- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: What purchases per month do you put on your credit card?
Posted on 5/25/18 at 11:54 am to tigerbaittrick
Posted on 5/25/18 at 11:54 am to tigerbaittrick
quote:
You should never use your debit card anymore these days other than to get cash out of an ATM. Too much risk in having someone hack your card.
agreed. i've even gone so far as to have my debit card unlinked from my savings account and joint checking account. the debit card only goes to my personal checking, and i never have a large balance. only 1-2k for emergency cash.
0
Posted on 5/25/18 at 11:54 am to CBandits82
Everything but my house note. Pay it off every month.
I haven’t paid for a flight in 10 yrs. Works well for us.
I haven’t paid for a flight in 10 yrs. Works well for us.
Posted on 5/25/18 at 11:55 am to CBandits82
quote:
I'm thinking about using my credit card for everything and just paying it off at the end of every month to take advantage of getting cash back.
This is exactly what I've done for more years than I can remember and it works great! As mentioned, you just have to be disciplined enough not to get yourself in a bind.
I see Mint has been suggested, I've used it before but personally not a fan. I use YNAB and couldn't be happier. It's basically zero-based budgeting (envelope budgeting) but the way YNAB treats Credit cards is tailor-made for what you want to do. Upon every purchase it moves money from the appropriate category to your Credit card, assuring that money will be available when the CC bill arrives at the end of the month.
It's a subscription service, but the money you will save using the App will far exceed the cost of it. I highly recommend it to anyone wanting a clearer picture of exactly where their money is going.
Posted on 5/25/18 at 1:34 pm to CBandits82
We pay for everything with a credit card except water bill, electric bill. That's only because they charge to pay with a credit card.
Posted on 5/25/18 at 1:37 pm to CBandits82
Everything I can.
Posted on 5/25/18 at 1:41 pm to CBandits82
quote:
what expenses do y'all put on your credit card per month?
Every single expense we have except the mortgage & water bill goes on credit card & paid off at the end of the month.
This post was edited on 5/25/18 at 1:43 pm
Posted on 5/25/18 at 2:06 pm to CBandits82
Everything that doesn't incur a charge beyond what my cashback bonus is.
Posted on 5/25/18 at 2:27 pm to CBandits82
quote:
I basically want to shift from using my debit card all the time to using my credit card.
You're missing out on a ton of cash back. I get anywhere from $30-$60/month depending on what the rotating bonus % category is. I put everything on my CC except mortgage, electric and water billl only because I can't.
Not to mention you control your bank account and when you want $$ to come out. I like the fact that I generally only move money from there maybe 3-4 times a month and am a little more liquid in between just in case of emergencies.
Posted on 5/25/18 at 2:39 pm to Brettesaurus Rex
quote:
You're missing out on a ton of cash back. I get anywhere from $30-$60/month depending on what the rotating bonus % category is. I put everything on my CC except mortgage, electric and water billl only because I can't.
Not to mention you control your bank account and when you want $$ to come out. I like the fact that I generally only move money from there maybe 3-4 times a month and am a little more liquid in between just in case of emergencies.
Posted on 5/25/18 at 4:04 pm to CBandits82
I put everything that gives me the option or doesn't charge me an extra fee on my credit cards.
Posted on 5/25/18 at 5:04 pm to CBandits82
Literally everything except cash only and very small purchases. If I get a haircut, I'm giving my barber cash. If I buy a Coke, I'm handing cash over. If I get a Coke and some beef jerky, though, that's going to get put on the credit card.
I get 2% of all purchases deposited into a brokerage account, so charging as much as I can to the card and paying off every month is my game there.
I put the down payment on my last vehicle on my credit card to get the 2% back.
I get 2% of all purchases deposited into a brokerage account, so charging as much as I can to the card and paying off every month is my game there.
I put the down payment on my last vehicle on my credit card to get the 2% back.
This post was edited on 5/25/18 at 5:06 pm
Posted on 5/25/18 at 8:43 pm to TheWiz
TheWiz, what card gives you 2.5% cash back?
Posted on 5/25/18 at 8:59 pm to CBandits82
work cafeteria and convenience store.
work at amex hq[not for amex we rent a floor] and it's either amex or cash behind security
work at amex hq[not for amex we rent a floor] and it's either amex or cash behind security
This post was edited on 5/25/18 at 9:00 pm
Posted on 5/25/18 at 9:49 pm to CBandits82
I put everything on my card except car note and rent.
Pay it off every Thursday and Sunday night before going to bed.
Pay it off every Thursday and Sunday night before going to bed.
This post was edited on 5/25/18 at 10:34 pm
Posted on 5/25/18 at 9:49 pm to CBandits82
Electric bill, water bill, health insurance.
Posted on 5/26/18 at 12:01 am to NaturalBeam
quote:
Everything. I get about $2500/yr cash back. Never paid a dollar in interest.
What card and plan do you have? Also, how much are you averaging on it monthly?
Posted on 5/26/18 at 6:18 am to rpg37
quote:CapitalOne Venture. It’s 2% back of all purchases regardless of category, but it will only pay the 2% as a reimbursement of travel expenses, which is the only way I redeem points. If you want a true cash back, it’s only 1%. There’s also a $99/yr fee. There’s probably slightly better deals out there, but I haven’t looked.
What card and plan do you have? Also, how much are you averaging on it monthly?
I average about $10k/month on the card. My mortgage and wife’s car note are the only things not on it, and some small random things throughout the month. Unlike a previous poster, if I buy a coke for a dollar, it’s going on the card.
Posted on 5/26/18 at 8:38 am to NaturalBeam
What card are you using? We don't get near that unless we want to use it for travel. Which we typically do.
Posted on 5/26/18 at 9:04 am to BACONisMEATcandy
Yeah I should’ve said it is for travel - but I spend at least that in mandatory unreimbursed travel so it’s the same as cash back to me.
Posted on 5/26/18 at 9:08 am to NaturalBeam
ok thats about the same for us then. I just view that as getting my $450 back for the CSR 
Page 2 of 3
Back to top
Follow TigerDroppings for LSU Football News