Recent Topics
New Oil Refiner (Frantz) purchased from Ed
by FlyNavyP3. 10/19/18 08:45 PM
1988 Dodge B250 Conversion Van Shocks?
by petes67bird. 10/19/18 08:44 PM
20KW Standby Generator Recommendations
by MParr. 10/19/18 08:15 PM
2003 Diamante, SHU 5W40, 6817m OCI
by Spetz. 10/19/18 07:48 PM
Can you tell a difference between a 305 and 350
by ram_man. 10/19/18 07:45 PM
Changing Fuids
by Snagglefoot. 10/19/18 07:38 PM
Subaru Forester tire pressure?
by Joeescape63. 10/19/18 07:30 PM
PC Duron Synthetic 5W40
by PeterPolyol. 10/19/18 06:43 PM
Shops not willing to do hard work?
by JHZR2. 10/19/18 05:55 PM
Wix 57173, 7400 miles
by JLTD. 10/19/18 05:09 PM
04 Pontiac GP AC Blower or AC Heat Controller
by clarkflower. 10/19/18 04:55 PM
What is Viscosity Index?
by BlakeB. 10/19/18 03:49 PM
Brake Fluid Difference
by Y_K. 10/19/18 02:54 PM
weber auto youtube talking about ATF
by bionictony. 10/19/18 02:30 PM
Acura MDX Key Problem- Urgent request please!
by methusaleh. 10/19/18 02:11 PM
Beef failures,,,yep
by CourierDriver. 10/19/18 01:07 PM
Rear brakes wearing faster than fronts?
by Ddub. 10/19/18 12:52 PM
Newest Members
unreng, lzhome, keninger, Werdage, Frank_C
66249 Registered Users
Who's Online Now
92 registered members (Appaloosa, AZjeff, BlakeB, bdcardinal, 99cyclone, 11 invisible), 1,480 guests, and 36 spiders.
Key: Admin, Global Mod, Mod
Forum Statistics
Forums67
Topics292,193
Posts4,875,827
Members66,249
Most Online2,494
Oct 17th, 2018
Donate to BITOG
Previous Thread
Next Thread
Print Thread
Hop To
Page 3 of 4 1 2 3 4
Re: How do you usually pay for things? [Re: ZZman] #4633519
01/13/18 11:50 AM
01/13/18 11:50 AM
Joined: Jan 2009
Posts: 6,292
New England
gathermewool Online content
gathermewool  Online Content
Joined: Jan 2009
Posts: 6,292
New England
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.


'14 Forester XT FA20DIT (Cobb Stage 1)
Edge 0W-40 + FU filter
'15 Legacy FB25 (OEM Stage, uh, neg. 7?)
Edge 0W-20 + FU filter
Re: How do you usually pay for things? [Re: ZZman] #4633537
01/13/18 12:05 PM
01/13/18 12:05 PM
Joined: Dec 2011
Posts: 1,742
War Eagle
toneydoc Offline
toneydoc  Offline
Joined: Dec 2011
Posts: 1,742
War Eagle
Credit card for everything. Get my rewards/points that way. Pay them off monthly


1994 Jeep 160k Mobil 5000 5w30
2014 Camry 35k Havoline 5w20
2018 Jeep Cherokee 2k FactFill
2014 HD Ultra 41k Mobil1 15w50
2012 Rav4 37k Pennzoil Platinum 5w20
Re: How do you usually pay for things? [Re: ZZman] #4633553
01/13/18 12:27 PM
01/13/18 12:27 PM
Joined: Feb 2013
Posts: 306
FL USA
Blueskies123 Offline
Blueskies123  Offline
Joined: Feb 2013
Posts: 306
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.

Re: How do you usually pay for things? [Re: ZZman] #4633671
01/13/18 02:40 PM
01/13/18 02:40 PM
Joined: Oct 2006
Posts: 1,656
Oshawa, Ont. Canada
irv Offline
irv  Offline
Joined: Oct 2006
Posts: 1,656
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.


2017 Chevy Impala 3.6 L.
2013 Ram 5.7 L Hemi Bighorn QC 4x4
2008 Chevy Malibu 2.4 L Ecotec
Pennzoil Platinum and/or Pennzoil Ultra Platinum for all 3.
Re: How do you usually pay for things? [Re: ZZman] #4633693
01/13/18 03:11 PM
01/13/18 03:11 PM
Joined: Oct 2002
Posts: 36,420
Great Lakes
Quattro Pete Offline
Quattro Pete  Offline
Joined: Oct 2002
Posts: 36,420
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.


'02 530i (Edge 0W-40)
'15 Q5 3.0T (Edge 5W-40)
'18 Charger SRT (FF)
Re: How do you usually pay for things? [Re: ZZman] #4633696
01/13/18 03:12 PM
01/13/18 03:12 PM
Joined: Nov 2008
Posts: 9,107
Phoenix
dishdude Offline
dishdude  Offline
Joined: Nov 2008
Posts: 9,107
Phoenix
My good looks. LOL


2018 Challenger SRT
Re: How do you usually pay for things? [Re: ZZman] #4633842
01/13/18 05:56 PM
01/13/18 05:56 PM
Joined: Feb 2010
Posts: 4,838
Central Texas
sleddriver Offline
sleddriver  Offline
Joined: Feb 2010
Posts: 4,838
Central Texas
Dude...are you collecting info on BITOG members to sell advertising or something?





Reminds me of the neighbors kid in Home Alone.....


1998 Volvo V70 T5 228,880 mi. Original Owner.
M1 10W-30 HM
"It's never a mistake to buy tools, defined broadly. They're not a cost, they're an investment." - J.B. Peterson
Re: How do you usually pay for things? [Re: ZZman] #4633917
01/13/18 07:21 PM
01/13/18 07:21 PM
Joined: Dec 2002
Posts: 41,190
'Stralia
Shannow Online content
Shannow  Online Content
Joined: Dec 2002
Posts: 41,190
'Stralia
Credit card everything and pay it off monthly.

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

Re: How do you usually pay for things? [Re: ZZman] #4633968
01/13/18 08:27 PM
01/13/18 08:27 PM
Joined: Sep 2009
Posts: 16,117
OH
fdcg27 Offline
fdcg27  Offline
Joined: Sep 2009
Posts: 16,117
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.


18 Accord Hybrid FF
17 Forester 18K VME 0W-20
12 Accord LX 96K SSO 0W-20
09 Forester 95K M1HM 10W-30
01 Focus ZX3 118K PP 5W-20
96 Accord LX 104K T5 10W-30
95 318i
Re: How do you usually pay for things? [Re: fdcg27] #4633972
01/13/18 08:40 PM
01/13/18 08:40 PM
Joined: Dec 2002
Posts: 41,190
'Stralia
Shannow Online content
Shannow  Online Content
Joined: Dec 2002
Posts: 41,190
'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.

Re: How do you usually pay for things? [Re: ZZman] #4633994
01/13/18 09:09 PM
01/13/18 09:09 PM
Joined: Oct 2012
Posts: 4,779
Taiwan
Ducked Offline
Ducked  Offline
Joined: Oct 2012
Posts: 4,779
Taiwan
Reluctantly

Re: How do you usually pay for things? [Re: fdcg27] #4634003
01/13/18 09:19 PM
01/13/18 09:19 PM
Joined: Jan 2009
Posts: 6,292
New England
gathermewool Online content
gathermewool  Online Content
Joined: Jan 2009
Posts: 6,292
New England
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.


'14 Forester XT FA20DIT (Cobb Stage 1)
Edge 0W-40 + FU filter
'15 Legacy FB25 (OEM Stage, uh, neg. 7?)
Edge 0W-20 + FU filter
Re: How do you usually pay for things? [Re: ZZman] #4634051
01/13/18 10:31 PM
01/13/18 10:31 PM
Joined: Oct 2005
Posts: 87
Boston, Massachusetts
Exit32 Offline
Exit32  Offline
Joined: Oct 2005
Posts: 87
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.


2018 Explorer 3.5 EcoBoost
2004 Buick Rainier V8
2002 T-Bird
1999 F250 V10
1967 Camaro
1966 Shelby Cobra
1966 Pontiac GTO
1965 Rambler American
1957 T-Bird
Re: How do you usually pay for things? [Re: ZZman] #4634165
01/14/18 02:33 AM
01/14/18 02:33 AM
Joined: Aug 2014
Posts: 1,329
Tasmania, Australia
hpb Offline
hpb  Offline
Joined: Aug 2014
Posts: 1,329
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.


MY16 Mitsubishi Outlander 2.2 diesel, 53,000km - Castrol 5w30
2006 Ford Falcon 4.0, 136,000km - Penrite Vantage 15w40, Ryco filter
Re: How do you usually pay for things? [Re: ZZman] #4634206
01/14/18 04:54 AM
01/14/18 04:54 AM
Joined: Dec 2009
Posts: 25,593
Regina, Saskatchewan, Canada
Garak Online content
Garak  Online Content
Joined: Dec 2009
Posts: 25,593
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.


Plain, simple Garak.

2008 Infiniti G37 - Shell ROTELLA T6 Multi-Vehicle 5w-30, NAPA Gold 7356
1984 F-150 4.9L - Quaker State GB 10w-30, Wix 51515
Page 3 of 4 1 2 3 4

BOB IS THE OIL GUY® Powered by UBB.threads™