Credit, debit and business card use is now at an all-time high. About 26 cents of every $1 in U.S. discretionary consumer spending is on plastic. VISA says debit card use is growing nearly four times as fast as credit card use. VISA reported this week it processed $721.1 billion in consumer and business purchases during 1999. This compares to $611.0 billion for 1998.  Growth in 1999 dollar volume was driven by the VISA Check card, which makes up more than 25% of VISA's today dollar volume. Dollar volume on the VISA Check card reached $183.8 billion in 1999, up 36% from 1998. There are now more than 84.5 million VISA Check check cards in the U.S. Non-traditional acceptance categories also drove VISA's growth. VISA volume at movie theaters, for instance, jumped 107% in 1999, as moviegoers spent $195 million with their VISA cards. At fast-food restaurants, where VISA volume rose 66% last year, some $616 million was transacted on VISA cards. Among recurring utility payments via VISA cards, card use for cable TV bills hit $1 billion last year.  VISA's suite of commercial card products also represented a major product growth category for 1999. Volume on bank-issued VISA commercial cards reached $45 billion in 1999, up 42% from 1998. There are now over 9.2 million VISA commercial cards in circulation, up 23% from year-end 1998.