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I'm regularly asked at shops/supermarkets with something like:

> ポイントカードはお持ちでしょうか

My understanding is that the person is asking if I have a point card. I've
also read [What's the difference between でしょうか and ですか at the end of a
question?](https://japanese.stackexchange.com/questions/12977/whats-the-
difference-
between-%E3%81%A7%E3%81%97%E3%82%87%E3%81%86%E3%81%8B-and-%E3%81%A7%E3%81%99%E3%81%8B-at-
the-end-of-a-question) that adding a でしょうか basically just means that person is
guessing or wondering if I have a point card.

What is the appropriate way to say "No, I don't have one"?

I understand 持ち comes from もつ (to have).  
But I'm not sure if I should say:

  * 持たない (negative of もつ)
  * もっていません (progressive, "not carrying one right now")
  * simply ない (seems off because the question is not using ある）
  * or some other?

I've tried all 3 and they seem to understand.  
But maybe there's one that's most appropriate.
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2019-01-31T09:13:05.580
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2019-01-31T12:52:18.897
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question
word-choice nuances
Appropriate "No, I don't have" response to "お持ちでしょうか"
First, the でしょうか ending serves a softening function and demonstrates
uncertainty, making the question sound less direct, akin to 'I wonder if you
might have a point card?' rather than 'Do you have a point card?'.

The clerk is asking if you currently have your point card on your person and,
indirectly, if you would like to use it. As this is a continuous/progressive
state of possession, you would not use もつ or the negative equivalent もたない. Not
owning a point card (encompassing past present and future - infinitive form)
you would use もつ or もたない. Upon hearing this though, the clerk might think that
you might want one.

Possible answers include: もっていません/もってません, もっていない/もってない（です）, ない（です）, or simply
いいえ. You can also start with いいえ, then add one of the other responses (This
would be my recommendation).  
Some people might use けっこうです or だいじょうぶです, but that sounds like you're saying
'No thank you' (turning down an offer), which while understood to be a
response in the negative still sounds wrong, as it is not actually answering
what was asked.
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2019-01-31T11:02:47.957
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2019-01-31T11:35:18.583
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answer