FC Community
Discussion Boards => Off-Topic => Topic started by: tigerlilly01 on December 30, 2011, 03:36:45 am
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When you make small purchases at the store which do you use, cash, credit or debit? I most always use my credit card so I can get points.... I usually get about $100 back every 6 months or so if I use my credit card for all my purchases.
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If you are very good about completely paying off your credit cards on-time, then that is probably your best option; like you said, some cards will give bonuses like cash back rewards, miles / points for product vouchers, etc. However, knowing myself, I'm usually not consistent on making my payments on-time. Because of that, I tend to incur late charges and higher interest rates, so the amount that I'd get thru any rewards is usually more than offset by the penalties I end up paying. Thus I usually use my debit card instead; it still has the convenience of a card without having to worry about missing any payments. The only exceptions are using cash at a vending machine and cash at a bar I frequent (it is a cash-only bar).
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I am cutting down my usage of credit cards so most likely I use cash or my debit card. I always purchase gas with a credit car though.
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Mostly cash but do use debit or credit cards some time
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I usually use my debit card as a credit card to get a little cash back (not much), but everything counts now days.
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I use my debit card.....
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Almost always debit card, I never carry more than $5 cash anymore.
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Cash. Always. I don't want to deal with all of the fees.
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Almost always cash. It makes me feel richer and more like an adult if I have a few dollars in my wallet. AND i cannt over spend.
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Cash, you can use cash anywhere pretty much, except online, then i would go debit, not debt (aka. credit Card)
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i use my debit card mostly for small purchases because i have to make 12 purchases a month of to get 4.09% interest
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CASH WHENEVER POSSIBLE ,
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Debit :thumbsup: all the time. Sometimes I tip with cash on hand. :wave:
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debit only. i rarely have cash on me anymore and i don't
have any credit cards. we have talked about getting a
credit card through our bank and just using it like we would
a debit card so we can start building good credit. not sure
if we will...
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I am into the debit card now. Keeps me from spending to much money. When I have cash seems like everyone needs to borrow. They never know how much I have on a card.
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I use my credit card for almost all purchases because I get cash back on my purchases. Always looking to save money anyway that I can.
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I'm in for the rewards points and cashback option, so I heavily use credit card for most purchases. I use cash primarily when I cannot pay a different way for a purchase (i.e certain restaurants only allow cash).
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When you make small purchases at the store which do you use, cash, credit or debit? I most always use my credit card so I can get points.... I usually get about $100 back every 6 months or so if I use my credit card for all my purchases.
Just curious which credit card do you use?! Cuz the reward of mine seems so slow to get up there!!
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I use credit card so I can get some cash back.
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I hardly ever have cash so I always use my debit card on small purchases & use my credit card for the bigger ones.
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I use debit card mostly. I try to avoid using credit cards as much as possible
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I have stopped credit cards for a long time now!!! woohooo lol...now I use debit and cash only!!! It was neccesary!!!!
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Cash for food, credit card for other stuff.
I only had a debit card until a couple month ago and finally made a credit card. I love getting points :)
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If you are very good about completely paying off your credit cards on-time, then that is probably your best option; like you said, some cards will give bonuses like cash back rewards, miles / points for product vouchers, etc. However, knowing myself, I'm usually not consistent on making my payments on-time. Because of that, I tend to incur late charges and higher interest rates, so the amount that I'd get thru any rewards is usually more than offset by the penalties I end up paying. Thus I usually use my debit card instead; it still has the convenience of a card without having to worry about missing any payments. The only exceptions are using cash at a vending machine and cash at a bar I frequent (it is a cash-only bar).
That is why I use my paypal DEBIT card as credit and earn cash back on all of my purchases including but certainly not limited to paying bills !
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I use cash all the time from small to moderate purchases made at the grocery stores and credit cards for more expensive items at dept or other specialty stores. I don’t really shop a lot when it's not necessary. This post have revealed “something” I haven’t noticed before with the habit of credit/debit card usage.
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It REALLY depends on where you purchase and from what company. If it's online, I only purchase from name-brand or trust-worthy companies and I use my debit card. If it's on the streets and I don't know a store I would use cash because I don't want them to steal my card info or steal my card.
I don't have a credit card, and I will NEVER do because if you really need to borrow money to buy something then that's something you don't need or you shouldn't be spending money on at the money. Save up your money and then buy it!! If you really need to borrow, borrow a student loan or car loan or mortgage because those are NECESSITIES!! borrowing money for something like shoes or beauty spa trips is a waste!!
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I always use a credit card so that I can aquire the points as well.
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I rarely carry cash, so I almost always use by debit card to make purchases.
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95% of the time I use a debit card, rarely have cash on hand and don't like to use credit cards unless necessary.
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Cash, government can't track you as easily/
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Cash. I hate debt of any kind.
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I use cash or debit card, because if I have to use a credit card I do need it. I need to reduce my personal debt, so I
spend only what I have.
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I used to be cash only until I realized that I was losing out on cash back rewards by not using my credit card.
I always pay off the balance every month. My rule of thumb is to never put anything on my credit card that I
cannot afford to pay off when it is due.
I usually save up my cash back bonus until I have enough to purchase something I really want for myself.
One year, with a little help from Birthday and Christmas money, I purchased myself a new laptop.
For really small purchases, I still use cash but for the most part I use the card and earn away.
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Since I work online I do use credit. I do take advantage of the cash cash back rewards with my credit card. As much as possible however I do use cash. When I use cash I tend to get a lot of change.
The change I save and deposited into my bank account.I am able to save about $25-$30 a month or more just by saving change! :peace: :wave:
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I use my debit card only to withdraw cash from the ATM at my bank to keep a little cash in my wallet. For very small purchases or where only cash is accepted, it still helps to carry a small amount of cash in your wallet.
Other than that, I use my Costco American Express Card exclusively everywhere I can. With 3% cash back on gasoline, 2% cash back on restaurants and travel, and 1% cash back on virtually everything else, it's a no-brainer. I make sure I pay off the credit card in full every month by keeping close tabs on my spending. Otherwise, the fees would offset the rebates. Did I mention no annual fee? It's a game plan that works for me. :thumbsup:
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Definitely credit. I'm always looking to add miles to my preferred carrier's mileage program and it has definitely paid off. I'm flying back from Thailand to the US on Jan 20th for a whopping $64...
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My debit card can be used as a credit card meanining the money comes out of my checking account. I don't use Credit cards because I am fed up with paying those high interest to use the card.
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i am with you on getting the rewards, so I don't ever use cash unless I have to. I get rewards from my credit card and debit card, so I use both of them. For small purchases I use my debit card and I use my credit card for larger purchases.
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Debit, debit, debit that way it's a one shot deal and it's done. I don't want to pay interest on something I have already bought and paid for. Debit is best for me. It saves me money. :) :) :)
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We use our debit card almost exclusively because we don't keep cash around much anymore.
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Cash or debit. I never use credit cards.
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Cash
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I use cash if I'm out buying something and use debit when I'm buying online.
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Prefer using cash most of the time. but on expensive stuff I'll be using my debit card
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I like my creitd card just like u i get point and i up to over 7,000 that is 700 dollars of free money.
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Usually use cash, only use debit or credit cards if I can't get to the bank in time to get the cash.