Train station urinals are said to have less germs than most people's credit and debit cards, according to a new study. A test conducted by financial services marketplace LendEDU tested cards, cash and a variety of common items. They found that the cards tended to be dirtier than cash and a urinal, but not as dirty as a New York City park bench. The group recommends using hand sanitizer or using your smartphone to pay for things when possible.