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Little Help in Commerce Please.

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Salam. My problem is that, though i know the different methods of payments, i just tend to choose wrong methods when i attempt questions. For example, for a thing that requires a credit card, i might write a cheque is needed, and stuff like that. So i need help from someone who can give me a guideline on what factors to consider when making payments for these methods:
1. Credit Transfer
2. Cheques
3. Credit Card.
4. Debit Card.
5. Cash.
6. Bank Draft


It'll really help me out if you guys told me when to use which method and stuff. Thanks :D
 
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