I've been asked about credit cards twice in the last 3 years, ,most cheques now come with a £200 cheque Gaurantee card so thiers no problem.
One good thing about credit cards is they make you look more established & reputable
what sort of customer are you aiming for? don't aim for the budget customer who can't afford to pay when they have a mishap.
in some ways you're thinking too much about the little things. Don't worry;
you'll do the job...
then they'll pay you...
either cash or cheque ...
no problem
mike