The PosterFormerlyKnownAs 61 Posted July 11, 2017 Curious. What percentage of your monthly spending is on credit cards, debit cards or in cash? My household is probably 90% credit card for reward points, 0 debit, and 10% cash. Share this post Link to post Share on other sites
penultimatestraw 473 Posted July 12, 2017 99% credit, 1% cash. Threw away my debit card, but I feel like I can trust you with my PIN. Also never used my reward points or frequent flyer miles. Need to look into that. Share this post Link to post Share on other sites
Bier Meister 1,514 Posted July 12, 2017 99% credit, 1% cash. Threw away my debit card, but I feel like I can trust you with my PIN. Also never used my reward points or frequent flyer miles. Need to look into that. You really should. I have visa that gives United pts. United has gotten pretty bad over the past 10 years or so. We have used miles for hotel rooms and car rentals.... Very helpful. Also get points with our amex.... Same thing. Share this post Link to post Share on other sites
NewbieJr 540 Posted July 12, 2017 Almost all credit card, which I pay in full each month. I collect a nice 2 or 3 percent reward on everything i buy. Doesn't sound like much, but it adds up. It's a nice little check to get every 3 or 4 months Share this post Link to post Share on other sites
MTSkiBum 1,594 Posted July 12, 2017 Credit card for 100% of purchases. Share this post Link to post Share on other sites
frank 2,147 Posted July 12, 2017 Straight cash, homie! Share this post Link to post Share on other sites
Hardcore troubadour 12,659 Posted July 12, 2017 Credit card for gas and expensive things. Cash for day to day purchases and your mom. Share this post Link to post Share on other sites
IGotWorms 3,315 Posted July 12, 2017 Credit card for the points. Travel points so my wife has no choice but to go on vacation with me Share this post Link to post Share on other sites
The PosterFormerlyKnownAs 61 Posted July 12, 2017 Credit card for gas and expensive things. Cash for day to day purchases and your mom. My mom said to say thanks - and no more coins moving forward. Share this post Link to post Share on other sites
Hardcore troubadour 12,659 Posted July 12, 2017 My mom said to say thanks - and no more coins moving forward. Not even Bit Coins? Share this post Link to post Share on other sites
supermike80 1,287 Posted July 12, 2017 Close to the dumbest question ever posted here. Why don't you ask if their d1cks are over 8" next Share this post Link to post Share on other sites
tanatastic 2,061 Posted July 12, 2017 Always debt, sometimes cash, sometimes credit. Assume same for most...except 90sbaby who ONLY spends bitcoins and scoffs if an establishment doesn't accept them (no one does, it's not money.). Share this post Link to post Share on other sites
peenie 1,690 Posted July 12, 2017 30% credit 70% debit Share this post Link to post Share on other sites
penultimatestraw 473 Posted July 12, 2017 Close to the dumbest question ever posted here. Why don't you ask if their d1cks are over 8" next Why? What is impressive about using a credit card for almost everything? Share this post Link to post Share on other sites
penultimatestraw 473 Posted July 12, 2017 Always debt, sometimes cash, sometimes credit. Assume same for most...except 90sbaby who ONLY spends bitcoins and scoffs if an establishment doesn't accept them (no one does, it's not money.). You mean debit or debt? I never use debit because they aren't safe as cc's in the event of fraud, and usually don't have any benefits like points/cash back etc. Share this post Link to post Share on other sites
edjr 5,567 Posted July 12, 2017 I use my Amex EveryDay Preferred Card for 90% of everything I spend. (sans mortgage, insurance) Cable bill, phone bill, groceries, amazon. everything that allows amex, I use it for., Share this post Link to post Share on other sites
Kopy 491 Posted July 12, 2017 80% cash 10% check 10% credit What's a debit card? *Also, only 1 automatic withdrawal bill wise. And that's an extra life insurance policy me and the mrs have. Share this post Link to post Share on other sites
edjr 5,567 Posted July 12, 2017 What's a debit card? Poor people's "credit card" had someone in line in front of me at the grocery store not too long ago. tried to buy like $18 worth of groceries, put their card in and then their code. "insufficient funds" Sad Share this post Link to post Share on other sites
Kopy 491 Posted July 12, 2017 I still go into the bank to cash my check every week. Out of 60 or so employees. Only like 3 of us get a paper check.. Share this post Link to post Share on other sites
edjr 5,567 Posted July 12, 2017 I still go into the bank to cash my check every week. Out of 60 or so employees. Only like 3 of us get a paper check.. My firm doesn't even offer paper check. Share this post Link to post Share on other sites
Kopy 491 Posted July 12, 2017 My firm doesn't even offer paper check.Same with my wife. Direct deposit or don't get paid. Share this post Link to post Share on other sites
TimmySmith 2,782 Posted July 12, 2017 Debit or cash. Share this post Link to post Share on other sites
parrot 789 Posted July 12, 2017 Debit or cash. This. Gas, groceries, etc = debit; incidentals = cash. About the only time we use credit is for online purchases or large purchases where it might be necessary to transfer funds. Share this post Link to post Share on other sites
parrot 789 Posted July 12, 2017 What's a debit card? A debit card is pretty much the same as writing a check. It comes right out of your checking account. Share this post Link to post Share on other sites
wiffleball 4,645 Posted July 12, 2017 1. Geesus Christ, people keep some cash on hand. If it's less than five bucks... 2. I remember going through Hurricane-related power outages; All these women and 20 somethings were walking around the few businesses that were open holding their plastic like it was their last hope. One bartender had a great line: "What am I supposed to do with THAT? - Swipe it down my ass-crack?" LOL 3. Personal pet peeve: The clerk who inspects your hundie like the ink's still wet. Yet, you could hand her Ronald Reagan's credit card and she'd swipe it right through. Share this post Link to post Share on other sites
TimmySmith 2,782 Posted July 12, 2017 This. Gas, groceries, etc = debit; incidentals = cash. About the only time we use credit is for online purchases or large purchases where it might be necessary to transfer funds. I don't have a credit card, even for emergencies. 2x in my life I ran up 30K worth of CC debt, both times right after buying a house. Not again any time soon. Even for points and rewards I wouldn't do it. Share this post Link to post Share on other sites
wiffleball 4,645 Posted July 12, 2017 If you're going to buy online, get a separate card and for the love of Pete, DON'T let them raise your credit limit above what you're comfortable with losing. Geesus, it's still the focking Wild Wild West out there. Share this post Link to post Share on other sites
edjr 5,567 Posted July 12, 2017 I don't have a credit card, even for emergencies. 2x in my life I ran up 30K worth of CC debt, both times right after buying a house. Not again any time soon. Even for points and rewards I wouldn't do it. My cvvnt mother did that to my father. think it was 10,000, was around 1985 Share this post Link to post Share on other sites
Kanil 519 Posted July 12, 2017 95% credit, 4.99% debit, 0.01% cash. Rewards for my credit card are better than my debit rewards. I also use Samsung pay for my credit/debit cards and get reward points from it. I only use cash when it's all that's accepted (beer vendors at games/concerts, etc..). Share this post Link to post Share on other sites
vuduchile 1,941 Posted July 12, 2017 40% credit card for the rewards 20% online bill pay thru the bank 20% debit card 20% cash Share this post Link to post Share on other sites
Kanil 519 Posted July 12, 2017 1. Geesus Christ, people keep some cash on hand. If it's less than five bucks... 2. I remember going through Hurricane-related power outages; All these women and 20 somethings were walking around the few businesses that were open holding their plastic like it was their last hope. One bartender had a great line: "What am I supposed to do with THAT? - Swipe it down my ass-crack?" LOL We keep a decent chunk of cash hidden away for emergencies. The only time we broke it out was when we were evacuated for the floods a few years ago. Share this post Link to post Share on other sites
listen2me 23 1,544 Posted July 12, 2017 Im pretty old school. I have way too much cash on me most times. At my golf course if I am just grabbing a cart in the pro shop....I am throwing cash down. I am not holding up everyone with a CC. In high school I worked at a golf course and the focking canadians would come down in groups of say 20 and everyone focking one would use a card. It took forever. The rare times they would be decent enough to have 1 guy pay and everyone throw cash at the dude later....id give them a discount just for using their head. Share this post Link to post Share on other sites
Kopy 491 Posted July 12, 2017 My cvvnt mother did that to my father. think it was 10,000, was around 1985Same here. Only difference is it was 98-99 ish. Share this post Link to post Share on other sites
Kopy 491 Posted July 12, 2017 Im pretty old school. I have way too much cash on me most times. At my golf course if I am just grabbing a cart in the pro shop....I am throwing cash down. I am not holding up everyone with a CC. In high school I worked at a golf course and the focking canadians would come down in groups of say 20 and everyone focking one would use a card. It took forever. The rare times they would be decent enough to have 1 guy pay and everyone throw cash at the dude later....id give them a discount just for using their head. I figure out what I need for cash for the week and deposite the rest. If an emergency comes up, it's the credit card.If I'm out of cash, and it's a day or 2 away from payday, I don't buy anything. It seems simple? I admit, I'm an old pollock who was raised by my grandparents. But I have know idea how people overspend? Share this post Link to post Share on other sites
wiffleball 4,645 Posted July 12, 2017 BTW - who is the OP? posterformerlyknownas... Share this post Link to post Share on other sites
BufordT 371 Posted July 12, 2017 I use my Amex EveryDay Preferred Card for 90% of everything I spend. (sans mortgage, insurance) Cable bill, phone bill, groceries, amazon. everything that allows amex, I use it for., Same card I use. If you use amazon a lot you should buy gift cards at your grocery store then use them when you make an order on amazon. You still get the bonus points. tml actually this goes for all gift cards. Share this post Link to post Share on other sites
tanatastic 2,061 Posted July 12, 2017 BTW - who is the OP? posterformerlyknownas... Don't know yet. Odd to make a chit chat topic like this with an obvious alias though. Share this post Link to post Share on other sites
edjr 5,567 Posted July 12, 2017 Same card I use. If you use amazon a lot you should buy gift cards at your grocery store then use them when you make an order on amazon. You still get the bonus points. tml actually this goes for all gift cards. Ironically, I use my amex points to buy gift cards on amazon Share this post Link to post Share on other sites
BufordT 371 Posted July 12, 2017 Ironically, I use my amex points to buy gift cards on amazon but you get 6% back when you buy them from the grocery store. your way gets you 1%. Share this post Link to post Share on other sites
