re: Why do people think “paying cash” gets them deals?

The only instance I've seen in modern America give a discount for cash is at a gas station.

I'm not paying $40 cash to fill up and have my change roll around just to save $0.10/gallon. I may fill up twice a month. If I pay cash, I probably save $3/month. That's $36/year, best case scenario. What am I supposed to do with all the change I have remaining? Leave it in grandma's coin purse? That's a pain to keep around and I have almost no reason to ever pay for anything in coins/small bills.

Many handyman/home improvement businesses ONLY accept cash. That's an entirely different conversation. All the work I've done on my house have asked for cash/check and never accepted credit cards. That's fine because I can go to the bank and pay an exact amount in cash since they will charge an amount that's easy to pay from an ATM withdrawal.

They real bullshite is businesses charging extra for credit/debit card transactions. Businesses can deduct those processing fees from their taxes and are essentially tipping themselves for customers not wanting to pay cash.

Be a responsible adult and pay your credit card bills. Never spend what you can't afford to.

My old job I heard "I don't trust credit cards" all too often from actual adults.

Literally paying cash at most food places gives you a deal, you avoid the 4% CC fee they add. Quickbooks takes a 3.75% for a CC charge, if I quote you $6,500 for your outdoor pergola, their is always a cash option savings for you, because i’m not eating that 4%, I pass that down to you.

Paying cash is influenced by immigrants because it facilitates the black market or underground economy. The foundation of shite hole countries and evading taxes here.

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What do you call someone with a credit score of 819 and paid cash for a car?

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Depends on the offered interest rate of the car versus the ROI that you could earn having that money working for you elsewhere.

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Well that's just wrong. What do you call someone with a credit score of 819 and paid cash for a car?

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smart

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My mechanic and tire guy both prefer cash.

Saves me the sales tax.

I’m not mad.

‘Merica!

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Same here.

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Start naming places. I've yet to visit a restaurant that still offers this in 2024.

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There is one restaurant around here that does a 4% discount with cash

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pay any fee with a credit card

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This is the biggest thing, especially post covid. All the card companies upped their transaction fees, and a lot of businesses are passing that along to customers in a surcharge. Or maybe you don’t pay attention to your receipts.

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Well that's just wrong. What do you call someone with a credit score of 819 and paid cash for a car?

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I clearly said "needing" to pay cash. You "want" to pay cash and you obviously have some credit or loan debt or you wouldn't have an 819 credit score.