Pagaba con tarjeta de crédito
decia, oyo
decia, oia
dijo, oyo
dijo, oia

Explanation:

Pagaba con tarjeta de crédito casi siempre. ( hoy / casi siempre )

She/he paid with a credit card usually.

Hoy, in Spanish language, means today. If that was the case, it would mean that the action that occurred is totally over, so we would use another tense. We would used pagó, which is a preterite tense, in the third person singular form.

Because the correct answer is casi siempre, which means, usually, we would use a imperfect tense, in the third person singular form, just like we did. We use this tense for some actions in the past, that don't seem like they've ever finished, as well as for actions that we don't know when they started and when and if they finished.

cuando era un niño durante el verano salía a jugar con mis mejores amigos, ¿verdad?