which do you use

[kdemers0]

I mostly used my credit card to take advantage of the cash back, but my bank is starting to have some cash back deals for using debit card certain places so I use that a little more regularly now!

[bshee58]

I only use a debit card, no credit cards, they tend to get you in trouble, like using checks, been stop using checks.

[candyterrius]

I used to have a debit card, but not anymore after I switched to another bank. Nowadays I pay with cash for gas and groceries. I earn cash back bonuses with my credit card to pay for bills and online purchases. I am good at controlling how much is spent on credit as I always pay off the entire balance when the credit card statement is due. It builds up your credit score. I am diligent at recording my debits and credits on an Excel sheet I have setup with a formula for myself to track down my current balance instead of using the traditional check register. I enjoy working with numbers.

[candyterrius]

I never have cash on me, I spend it if I do. So I 99% of the time use my debit card, I even have been in the grocery store and spent $1.00 using it, lol

I know it is convenient to carry a debit card, however, I think you should always keep some cash in your wallet just in case. I am not sure what state you live in, but some markets, restaurants or stores don’t accept debit/credit cards if your purchase total is below the $10 or $20 minimum.

[natashaspy]

I try to keep our credit cards locked up in the safe...usually use my debit card.  rarely have cash on me anymore. seems like I spend it a lot faster if i'm using cash.

[cathy37]

I use my debit card for most of my purchases.  Most of my bills are paid online.  I only write about 3 checks per month because everything else is paid online.

[ancmetro]

   I do not carry cash with me because of possible muggings.
   I use travelers checks, money orders or plastic only.
   I use my PIN number all the times to avoid using an
   electronic signature.

[ljrjess69]

i like to use cash,,,easyer to keep track of,,,,,,,,

[autumnsparklemom]

Debit and Credit. Only use cash occasionally.

[holmesch22]

I use prepaid debit card

[Cbsteffen]

I would say I use my credit card the most often.

[PGS28]

Mostly debit cards

[gaylasue]

I generally use my debit card for small purchases.  Larger purchases I will use my credit card so that I can earn reward dollars for my vacation fund.

[Gerianne]

I use my debit card.
I shop online.
I go a bit further to protect myself from fraud.
I calculate my spending.
I call the bank and tell them how much I am going to spend; I average it as close to the actual total for that day.
They set my purchasing limit to that amount; no more no less.
When my purchases have been authorized, I call the bank and have my purchase limit set down to zero. It's worth the effort to protect myself.
Even though a person isn't using their card, debit or credit, the purchase limit is set at a high amount all the time.
People think they are free to spend all they want...unless or until they are hacked.
 "It's easy to get card replaced." It's also easy for someone else to have fun at your expense.

[bremer51]

Cash or debit card first.  Then the credit card, which I pay in total each month.