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Plastic society? Credit card or cash?

Home ▸ Archive ▸ Serious Business ▸ Plastic society? Credit card or cash?
B

Be Nice

Senior Member

1,120 posts
Dec 19, 2010 5:59 PM
I still pay cash for the little things. However, in the past 2 years I've used my credit cards more frequently because my purchases have been more costlier. Which do you chose to use?
Dec 19, 2010 5:59pm
V

vikingcaptain82

n00b

210 posts
Dec 19, 2010 6:03 PM
I had one credit card in my life. If I can't buy it with the money I have, I do not need it.
Dec 19, 2010 6:03pm
iclfan2's avatar

iclfan2

Reppin' the 330/216/843

6,360 posts
Dec 19, 2010 6:04 PM
I only carry cash if I know I am going somewhere that doesn't take CC. The only problem I have is that I may buy less if I actually saw the cash leaving me wallet instead of just a card. I'd like to add that I have never carried a balance on the card, pay it off every month. Just easier then carrying cash around.
Dec 19, 2010 6:04pm
GoChiefs's avatar

GoChiefs

Resident Maniac

16,754 posts
Dec 19, 2010 6:07 PM
Strictly use plastic. Same with iclfan, unless I'm going somewhere that doesn't take a card. Plus, mine is a debit card, not a credit card. I never use my credit card.
Dec 19, 2010 6:07pm
Q

queencitybuckeye

Senior Member

7,117 posts
Dec 19, 2010 6:08 PM
I'll carry the same $20 around for a month. Way easier to use the card and just pay for everything monthly.
Dec 19, 2010 6:08pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Dec 19, 2010 6:09 PM
I use a credit card and debit card. I rarely have cash. I do pay off the credit card every month, I carry no credit card debt.
Dec 19, 2010 6:09pm
LJ's avatar

LJ

Senior Member

16,351 posts
Dec 19, 2010 6:12 PM
check card mainly but I get out about $150 in cash at the beginning of the month and put whatever I don't spend into a emergency cash fund in my safe
Dec 19, 2010 6:12pm
CenterBHSFan's avatar

CenterBHSFan

333 - I'm only half evil

6,115 posts
Dec 19, 2010 6:16 PM
I have credit cards and almost never use them. I always use cash at the stores because like somebody else mentioned - it's easier not to spend so much if you have to be the one to physically hand it over.

The only time I use the cards is making online purchases, but even some of those are done by paypal.
Dec 19, 2010 6:16pm
Fab1b's avatar

Fab1b

The Bald A-Hole!!

12,949 posts
Dec 19, 2010 6:31 PM
Cash for everything! I have no credit cards or loans. I use a visa checkcard mostly for my purchases.
Dec 19, 2010 6:31pm
Ytowngirlinfla's avatar

Ytowngirlinfla

I wear real chevrons!

2,295 posts
Dec 19, 2010 6:39 PM
justincredible;606816 wrote:I use a credit card and debit card. I rarely have cash. I do pay off the credit card every month, I carry no credit card debt.

Exactly what I do. I pay it off every month and I get points from Navy Federal for using my credit card. I've accumulated enough points right now for over $200 in gift certificates. And that's only in the past year in spending. I rarely have cash and it's almost a PITA sometimes not to have cash. Hell everything out in cali mostly takes credit cards. Pop machines, vending, etc.
Dec 19, 2010 6:39pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Dec 19, 2010 6:40 PM
Ytowngirlinfla;606884 wrote:Exactly what I do. I pay it off every month and I get points from Navy Federal for using my credit card. I've accumulated enough points right now for over $200 in gift certificates. And that's only in the past year in spending. I rarely have cash and it's almost a PITA sometimes not to have cash. Hell everything out in cali mostly takes credit cards. Pop machines, vending, etc.

Yeah, I mainly use my credit card for the cash back rewards. I've got over $400 saved up right now. I had over $500 but cashed some in for some giftcards last month.
Dec 19, 2010 6:40pm
ClayAikenation's avatar

ClayAikenation

Member

89 posts
Dec 19, 2010 6:41 PM
Before going out on a night on the town- i always take out cash. Prevents opening bar tabs and keeps your expenses in check!
Dec 19, 2010 6:41pm
coyotes22's avatar

coyotes22

Go Tigers

11,298 posts
Dec 19, 2010 6:47 PM
Cash for me, or the Debit card. No more credit cards for me.
Dec 19, 2010 6:47pm
karen lotz's avatar

karen lotz

TuTu Train

22,284 posts
Dec 19, 2010 7:05 PM
Usually carry the same little bit of cash in my wallet for a month or so at a time. I have a credit card but haven't used it in a couple years. I use my check card for pretty much everything I buy.
Dec 19, 2010 7:05pm
tk421's avatar

tk421

Senior Member

8,500 posts
Dec 19, 2010 7:35 PM
Plastic. Speaking of credit and debit cards, when are the U.S. card companies going to get their heads out of their asses and implement the chip and pin technology that Europe is using? Can't believe we are so far behind in this stuff still using the magnetic strips.
Dec 19, 2010 7:35pm
B

bigkahuna

Senior Member

4,454 posts
Dec 19, 2010 8:40 PM
debit card, which is the same as cash. I just hate walking around with a pocket full of change all day or just having it laying around somewhere.
Dec 19, 2010 8:40pm
Curly J's avatar

Curly J

Self Pwner in Training.

7,282 posts
Dec 19, 2010 8:55 PM
I use a debit card or a credit card for most of my purchases. If the purchase is for me and the wife I use the debit card. If its for me, like my cigars, I use my credit card.

Which I do pay of monthly, if not after every purchase.
Dec 19, 2010 8:55pm
GoChiefs's avatar

GoChiefs

Resident Maniac

16,754 posts
Dec 19, 2010 9:34 PM
CenterBHSFan;606833 wrote:but even some of those are done by paypal.

That is what my card is. I love it.
Dec 19, 2010 9:34pm
LJ's avatar

LJ

Senior Member

16,351 posts
Dec 19, 2010 9:42 PM
tk421;607057 wrote:Plastic. Speaking of credit and debit cards, when are the U.S. card companies going to get their heads out of their asses and implement the chip and pin technology that Europe is using? Can't believe we are so far behind in this stuff still using the magnetic strips.

The RIF cards? Chase uses them, there are some major security concerns with them though.
Dec 19, 2010 9:42pm
M

Manhattan Buckeye

Senior Member

7,566 posts
Dec 19, 2010 9:53 PM
Discover. 1% cash back on all purchases, 5% cash back on select purchases that change quarterly. Can add to that if you accept gift cards. Best deal possible. A record of how you spend your money, fraud control and no need to use cash + the cash back (which isn't taxed since it is considered a rebate and not income).

My Dad was an original Sears/Discover holder - he's easily cleared 5 figures in rewards, heck by now he's probably closer to 6 figures. He somehow managed to put his mortgage/car payments on the card.
Dec 19, 2010 9:53pm
dwccrew's avatar

dwccrew

Not Banned

7,817 posts
Dec 19, 2010 10:27 PM
Cash is still king in my book. Rarely use the one CC I have and I never carry a balance on it.
Dec 19, 2010 10:27pm
Cat Food Flambe''s avatar

Cat Food Flambe'

Senior Member

1,230 posts
Dec 20, 2010 12:01 AM
Both - wife and I have a cash budget for day-to-day stuff, like lunches, quick trips to the grocery store, etc.

Credit card for anything else - but we actually pay off the balance on-line once a week just for reasons of self-discipline. You only have to miss a payment once to get into deep doo-doo.

To those of who don't believe in credit cards - try traveling on a regular basis without one. Even using a debit card is difficult - a two-or three city road trip will result in hotels and car rental places reserving several hundred dollars of your checking account. I stayed at a hotel in Seattle last week which the serious Led Zepplin fans amongst you would recognize - their stated policy is that they reserve $500 on your card plus $100 per night to cover "potential contingencies".
Dec 20, 2010 12:01am
#1DBag's avatar

#1DBag

Nothing to see here.

786 posts
Dec 20, 2010 12:32 AM
Livestock and concubines
Dec 20, 2010 12:32am
Tobias Fünke's avatar

Tobias Fünke

formerly "sjmvsfscs08"

2,387 posts
Dec 20, 2010 12:37 AM
Cash or debit. Mostly debit.
Dec 20, 2010 12:37am
C

Con_Alma

Senior Member

12,198 posts
Dec 20, 2010 5:50 AM
Almost every expenditure I can goes on American Express.
Dec 20, 2010 5:50am