Do you use credit card or cash?

[rareboy]

Debit for anything under my self-imposed DEBIT card limit and credit for everything else.

I have had several hundred dollars in my wallet for emergencies (if systems are down or the restaurant or vendor does NOT take cards)...but the same bills have been there for 3 months.

I must have been asleep this morning.

 

[rareboy]

I should offer a service for people who don't want to have germ laden money around. Pack it up and send it to me. And get it and all those awful germs out of your house.

You aren't going to microwave it for them are you?

 

[Harke the Boeotarch]

Debit and cash. I get denied hotelrooms at times because they only take credit cards.

 

[me203]

You aren't going to microwave it for them are you?

Would this microwaving be to try to kill germs? If so, of course not! Can't take a risk that a germ would survive. No, my service will be get rid of that awful cash, and never worry about it and all the germs on it again!

 

[Dargelos]

Always cash money. It's too easy to spend it when it's not real.
Large shops are trying to stop us luddites by making the checkouts card only, no cash. With the effect that when I am in the long queue for the one till that accepts cash while there is nobody using the seven other tills that are card only, I am vowing to never come back to this place again. But then you go to the other store and its just the same there. In a low income area like this there are many of us who live hand to mouth and have minimal access to bank services.
Do big companies give a fuck about their poorer customers? I'm not sure, does anyone know?

 

[me203]

It's too easy to spend it when it's not real.

Good point!

 

[me203]

Large shops are trying to stop us luddites by making the checkouts card only, no cash.

I know there are even smaller businesses that have taken a card only approach.

With small businesses, I prefer paying in cash. I figure it saves them the cost of processing the payment card. It's a trivial amount, but i want to do as much as I can to help them do well. I shudder to think of a time--which could well be coming--when the only two choices for shopping are Walmart and Amazon.

Do big companies give a fuck about their poorer customers? I'm not sure, does anyone know?

As a general rule, I don't think big corporations give a fuck about any of their customers, poor or otherwise. All they care about is money. When they pretend to care, it's only for image to keep customers happy enough to keep pouring that cash in. Perhaps, though, I'm cynical.

 

[Kahaih]

I know of a couple smaller businesses that make it known that they only do electronic transactions so they don't have to keep cash on the premises. They've been robbed too many times.

 

[unloadonme]

With small businesses, I prefer paying in cash. I figure it saves them the cost of processing the payment card. It's a trivial amount, but i want to do as much as I can to help them do well.

And, of course, it helps them to avoid tax. Cash doesn't leave the electronic trail that card payments do.

As a general rule, I don't think big corporations give a fuck about any of their customers, poor or otherwise. All they care about is money. When they pretend to care, it's only for image to keep customers happy enough to keep pouring that cash in. Perhaps, though, I'm cynical.

I don't think that's at all cynical.

 

[LeicsDom]

Debit for anything under my self-imposed credit card limit and credit for everything else.

I have had several hundred dollars in my wallet for emergencies (if systems are down or the restaurant or vendor does take cards)...but the same bills have been there for 3 months.

I seldom have more than £10 in my pocket at any time
So few places don't take plastic

 

[TickTockMan]

Credit is the way I usually go. I want the points. I even put all my bills on my credit card.

 

[gsdx]

Always cash money. It's too easy to spend it when it's not real.

I put off getting a credit card for a very long time until I determined that it was vital for online shopping or fees and such. I finally gave in and got a Visa from my bank and had them put a $2,000 limit on it. I have never changed it, nor have I ever reached that limit.

I also took a page out of my mother's credit card book. If she didn't have the money in the bank to pay it off, she didn't use it. I follow that rule religiously.

 

[rareboy]

^For the last 30 years, we have had the rule of paying off the card in full every month and really only have it because stores stopped accepting cheques in the days before direct debit. For many years we kept it at a minimum limit, but inflation took over.

I still keep a really low limit on the debit card though as a security measure.

 

[rareboy]

I seldom have more than £10 in my pocket at any time
So few places don't take plastic

That was my thinking too, until one day a few years ago, the whole electronic banking network was down and we needed to buy gas and get some groceries while on the road.
So I gave in.

Sometimes though, I will just put two hundred dollars in the glovebox so I don't carry a lot of cash in my actual wallet. The last time it came in handy, I was able to give a lovely man something for helping us to change our tire in crappy weather while we were in an area without cell phone coverage and dressed in suits.

 

[unloadonme]

... we have had the rule of paying off the card in full every month ...

I do exactly the same. Credit card interest rates are punitive.

 

[peeonme]

I use cash for gasoline as it saves a dime per gallon.

 

[unloadonme]

I use cash for gasoline as it saves a dime per gallon.

Are traders in the US allowed to charge more for goods if payment is made by credit card? That's not allowed here.

Card surcharge ban means no more nasty surprises for shoppers

Hidden charges for paying with a debit or credit card will be banned from today (13 January).

www.gov.uk

 

[rareboy]

Certainly not in Canada, but some small stores will have a minimum purchase amount in order to use a credit card.

 

[peeonme]

Are traders in the US allowed to charge more for goods if payment is made by credit card? That's not allowed here.

Card surcharge ban means no more nasty surprises for shoppers

Hidden charges for paying with a debit or credit card will be banned from today (13 January).

www.gov.uk

The gas stations show both prices on their signs

 

[unloadonme]

Certainly not in Canada, but some small stores will have a minimum purchase amount in order to use a credit card.

Yeah, sometimes you see that here (in small businesses usually), but the price of the goods is still the same.