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I would like to ask someone about his last payment using the expression "The last time". I know that I can say ; " When was your last or latest payment? " but I'd like to learn how to use the expression "The last time".

So how can I mix (When did you pay?) and (The last time)?

I thought of a few options but I don't know which is correct and sounds more colloquial (native).

  1. When was the last time you paid?

  2. When was the last time that you paid?

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I thought of a few options but I don't know which is correct and sounds more colloquial (native).

  1. When was the last time you paid?

  2. When was the last time that you paid?

I would say number 1 because:
1. It is less words and still makes sense
2. When I say this out loud I trip over the that it feels in the way, that may just be habit.

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Both work, but out of habit I'd be much more likely to say the first sentence. The 2nd one sounds a bit more formal, but you can omit the word that and no one would think much of it.

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