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#4633519 - 01/13/18 10:50 AM Re: How do you usually pay for things? [Re: ZZman]
gathermewool Offline


Registered: 01/09/09
Posts: 6063
Unless there's a discount to do so, I use credit cards for everything. My Amex blue card for everyday purchase for which it offers good rebates, such as grocery shopping and fuel. When it's cheaper we add the minimum number of purchases to obtain 15% off for our Amazon Subscribe-and-Save - 5 items - and use our Amazon card to get an additional 5% cash-back. Things like Muesli, Clif bars, diapers, etc. can be much cheaper if purchased this way.

The only time I pay cash, is if a discount is offered. The guys who recently refinished our hardwood floors complained when I offered to pay with my Amex card, preferring check. I reminded him that they initially said that credit cards were 100% A-OK to use when we were shopping around, and that, when we asked if there was a cash discount (i.e., paying by cash/check) they said that they did not offer one. I compromised a little and used my Amazon card, instead of my Amex, after he said that Amex would cost him more.

I pay off my cards every month, so I don't pay any interest. Even if I occasionally decided to carry a balance for more than one statement period, I'd still make out, since I'm gaining hundreds of dollars per year in cash-back.

//

With that said, I try to use cash only for local mom-and-pops places, even if it means going out of my way to draw cash from the ATM.

I also use cash for Craiglist-type purchases, such as for the wheel/tire setup I purchased from someone on one of the Subaru forums I frequent. Saves us the 3% Paypal fee.

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#4633537 - 01/13/18 11:05 AM Re: How do you usually pay for things? [Re: ZZman]
toneydoc Online   happy


Registered: 12/16/11
Posts: 1699
Loc: War Eagle
Credit card for everything. Get my rewards/points that way. Pay them off monthly
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#4633553 - 01/13/18 11:27 AM Re: How do you usually pay for things? [Re: ZZman]
Blueskies123 Offline


Registered: 02/17/13
Posts: 289
Loc: FL USA
100% venture travel rewards CC,even for things as little as a dollar. First I get travel points, then have the credit card linked to Mint which tracks all my spending. I have not carried pocket coins in years. Once a year I cannot use a credit card for something less than a dollar, I just leave the coins with the cashier.

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#4633671 - 01/13/18 01:40 PM Re: How do you usually pay for things? [Re: ZZman]
irv Online   content


Registered: 10/08/06
Posts: 1138
Loc: Oshawa, Ont. Canada
Costco executive Mastercard CC for everything that will accept it. It's amazing the money we get back every year by just using it. It more than pays for the card itself, which is a great deal, imo.

Many think it can only be used at Costco, which is entirely untrue.
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#4633693 - 01/13/18 02:11 PM Re: How do you usually pay for things? [Re: ZZman]
Quattro Pete Offline


Registered: 10/30/02
Posts: 35963
Loc: Great Lakes
Originally Posted By: ZZman
I am more of a cash, debit card and check guy. In order of amount of use, what do you use?

I don't get paid in cash, so having to go to a bank or ATM to withdraw it to pay for things is just extra hassle that I avoid as much as possible. Everything gets paid for with rewards CC. The only thing I pay cash for is my haircut.
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#4633696 - 01/13/18 02:12 PM Re: How do you usually pay for things? [Re: ZZman]
dishdude Offline


Registered: 11/14/08
Posts: 8824
Loc: Phoenix
My good looks. LOL
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#4633842 - 01/13/18 04:56 PM Re: How do you usually pay for things? [Re: ZZman]
sleddriver Offline


Registered: 02/06/10
Posts: 4710
Loc: Central Texas
Dude...are you collecting info on BITOG members to sell advertising or something?





Reminds me of the neighbors kid in Home Alone.....
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#4633917 - 01/13/18 06:21 PM Re: How do you usually pay for things? [Re: ZZman]
Shannow Online   content


Registered: 12/12/02
Posts: 40156
Loc: 'Stralia
Credit card everything and pay it off monthly.

Used to do debit card, but get about $500 in rewards this way.

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#4633968 - 01/13/18 07:27 PM Re: How do you usually pay for things? [Re: ZZman]
fdcg27 Offline


Registered: 09/25/09
Posts: 15838
Loc: OH
Small purchases, like under a hundred bucks or so, cash.
Gas? Always CC, since this is the most convenient option.
You might be a little ahead using a credit card for every purchase given the rewards but you need to review your statements very carefully for fraudulent charges and the more transactions you have the harder this is to do.
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#4633972 - 01/13/18 07:40 PM Re: How do you usually pay for things? [Re: fdcg27]
Shannow Online   content


Registered: 12/12/02
Posts: 40156
Loc: 'Stralia
My CC has an online portal (and a phone App if I desire), which I check a couple of times a week.

Buy something on ebay, it will show up within 20 minutes.

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#4633994 - 01/13/18 08:09 PM Re: How do you usually pay for things? [Re: ZZman]
Ducked Offline


Registered: 10/25/12
Posts: 4432
Loc: Taiwan
Reluctantly

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#4634003 - 01/13/18 08:19 PM Re: How do you usually pay for things? [Re: fdcg27]
gathermewool Offline


Registered: 01/09/09
Posts: 6063
Originally Posted By: fdcg27
Small purchases, like under a hundred bucks or so, cash.
Gas? Always CC, since this is the most convenient option.
You might be a little ahead using a credit card for every purchase given the rewards but you need to review your statements very carefully for fraudulent charges and the more transactions you have the harder this is to do.


You're absolutely right. If I wait more than a week to review my credit card purchases, I have to spend extra time thinking about whether they're all legit or not. This isn't because I purchase a ton of things, but because not every purchase shows up with readily identifiable nomenclature. "BEST BUY" or "Walmart" or "Shell" are all no-brainers, but sometimes an address is what's listed or some weird name for the store attached to the gas station, instead of "Shell" or something. It's similar for online purchases, for which multiple purchases are sometimes lumped together as one total amount. For Amazon purchases, for instance, I typically double-check the amount by logging on to Amazon to ensure things like Subscribe-and-save discounts are appropriately applied.

Sometimes, pending charges will be erroneously high. I need to check a day or two later to ensure the final credit amount is as expected.

I typically check my recent purchases online every few days, which makes things a lot easier. I use my credit card for nearly everything, but even I don't purchase so many things that reviewing all purchases every few days isn't incredibly easy. A fraudulent or unusual charge would stand out.

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#4634051 - 01/13/18 09:31 PM Re: How do you usually pay for things? [Re: ZZman]
Exit32 Offline


Registered: 10/21/05
Posts: 86
Loc: Boston, Massachusetts
Sam's Club MasterCard for everything. We get 5% cash back on gasoline (anywhere); 3% cash back on restaurants and travel; and 1% cash back on everything else. There's no annual fee (other than belonging to Sam's Club), and I always pay the bill in full every month.

My wife and I travel a lot, and we eat out almost every meal. We get $700 - $1000 cash back every year.
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#4634165 - 01/14/18 01:33 AM Re: How do you usually pay for things? [Re: ZZman]
hpb Offline


Registered: 08/28/14
Posts: 1231
Loc: Tasmania, Australia
Debit card, with Tap 'n' Go, Pay Pass, Contactless Pay, whatever you want to call it. Wife does the same but with her Apple watch. Shows up instantly on our bank statement. Rarely use cash.

Paying anything with a cheque (check) is pretty much unheard of in Australia. I don't know anyone who owns a chequebook.
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#4634206 - 01/14/18 03:54 AM Re: How do you usually pay for things? [Re: ZZman]
Garak Offline


Registered: 12/05/09
Posts: 24719
Loc: Regina, Saskatchewan, Canada
Generally, I used credit cards. I carry no balance, but get cash back, so there's no reason not to. I do a few cash transactions, generally if it's something small.
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Plain, simple Garak.

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