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Posted on 3/12/18 at 12:02 pm to Count Chocula
Debit. Cash is for 3rd world countries
Posted on 3/12/18 at 12:03 pm to CrimsonTideMD
This.
Use the creit card as if it were a debit card.
It earns us enough points to pay for the flights to at least one vacation a year.
Plus, if there's any fraudulent activity, the credit card companies handle it with a quickness since it's their money, not yours.
I had a couple thousand's dollars of fraudulent activity on my debit card 2 years ago. It took 3 months and a half dozen trips to BOA before I got my money back.
The last time I had fraudulent purchases on my credit card, 1 call put a stop to it and it was removed from my bill in 5 minutes
——
And:
And you get points
Helps credit scores
Posted on 3/12/18 at 12:04 pm to tigerinthebueche
quote:
Cash. Always.
I have no problem lying to the bums asking for money.
or the Government, which is why I have a lot of cash.
If at any point it's in a bank that's not how it works. The IRS has your bank information.
Posted on 3/12/18 at 12:06 pm to 1999
quote:
debit card should only be used to get cash out of the atm. you are leaving a lot of credit card rewards on the table
THIS!
I never use my debit card for anything except to pull cash out of the ATM. And I never use cash unless I have to or it's more convenient to do so (ex. barber shop, concessions at football games).
Unless you are financially irresponsible, you can get a lot of "free" money/points by just using your CC and paying it off in full at the end of the month. My family usually gets around $1,000 in "cash back" at the end of the year just in rewards. It's nice to have that for Christmas gifts for kids, etc.
Posted on 3/12/18 at 12:07 pm to Count Chocula
Credit cards and I usually have about $250 in cash
Posted on 3/12/18 at 12:10 pm to Dawgholio
quote:
Cash is for 3rd world countries
Cash is extremely valuable to have just about anywhere where you'll need to tip.
Posted on 3/12/18 at 12:10 pm to Mingo Was His NameO
quote:
If at any point it's in a bank that's not how it works. The IRS has your bank information
correct, that's why you don't take a check or put it in the bank.
Posted on 3/12/18 at 12:26 pm to Count Chocula
Debit
Posted on 3/12/18 at 12:29 pm to Count Chocula
quote:. You still tell them this. Unless your scared.
can tell bums and panhandlers I don't have cash.
I use cash for almost everything. You can’t track cash, but you can track a card.
Posted on 3/12/18 at 12:31 pm to Count Chocula
Cash...as for credit cards, we don't care for one another
Posted on 3/12/18 at 12:32 pm to CrimsonTideMD
I keep about $20 in cash on me “just in case” at all times. I think I’ve had the same bill in my wallet since January.
Posted on 3/12/18 at 12:34 pm to TH03
quote:
Cash is extremely valuable to have just about anywhere where you'll need to tip.
If they take credit cards, why not just tip on the card?
I know some places out there still don't take credit cards, but they are few and far between.
Posted on 3/12/18 at 12:38 pm to Count Chocula
I don't even own a debit card
Posted on 3/12/18 at 12:43 pm to yellowfin
quote:
I don't even own a debit card
This is smart and I've considered doing the same.
Cut up the debit card and ask the bank for an ATM-only card with no charge capability.
This post was edited on 3/12/18 at 12:46 pm
Posted on 3/12/18 at 12:43 pm to LSUBoo
quote:I don't trust bartenders with my card. Or most waiters for that matter.
If they take credit cards, why not just tip on the card?
Posted on 3/12/18 at 12:44 pm to Count Chocula
Card,
Cash is for suckers.
Cash is for suckers.
Posted on 3/12/18 at 12:45 pm to Count Chocula
Debit.. for the reason OP posted as well as being able to track not only number of purchases but the amount down to the cent. I hate having cash and change everywhere.
Posted on 3/12/18 at 12:48 pm to Count Chocula
Debit card. Don't have to handle cash. If I lose my wallet or get it stolen, I can cancel the card and no harm done.
I almost exclusively use rewards credit cards though and I just pay off the balance frequently so I don't get interest charges.
I almost exclusively use rewards credit cards though and I just pay off the balance frequently so I don't get interest charges.
Posted on 3/12/18 at 12:56 pm to Count Chocula
when asked credik or debik, always credik
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