I strongly prefer using credit cards... cash can get cumbersome, and change is annoying.
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1,885 hits 1.5 (25 votes) Share Favorite | Flag 10 years ago by Electric

Do you prefer to pay for things with credit cards or cash?
I strongly prefer using credit cards... cash can get cumbersome, and change is annoying.


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10 yrs ago, 3 mos ago - Sunday 10/24/10 - 10:08:01 PM EST (GMT-5)
I prefer to use debit. I don't like carrying cash because I'm irresponsible with it.
10 yrs ago, 3 mos ago - Monday 10/25/10 - 12:10:29 AM EST (GMT-5)
I don't like using my debit card, which is why I only carry that. It helps me not spend money. If I have cash, I'll just blow it.
10 yrs ago, 2 mos ago - Monday 10/25/10 - 5:46:28 AM EST (GMT-5)
Cash.

Cause if I have my debit card I'd be all 'oh i have 300 dollars IMMA SPEND IT'
where if i just get cash out before i can be all 'oh i only took out 25 bucks so ill only spend 25 bucks'
10 yrs ago, 2 mos ago - Monday 10/25/10 - 1:58:22 PM EST (GMT-5)
I like using debit cards, but I've avoided getting one for everyday use. It's much much easier to keep your spending under control if you pay for everything in cash.
10 yrs ago, 2 mos ago - Monday 10/25/10 - 1:59:21 PM EST (GMT-5)
I prefer cash, but usually use debit if it's over $60 (or somewhere around there).
10 yrs ago, 2 mos ago - Monday 10/25/10 - 8:10:39 PM EST (GMT-5)
Cash
10 yrs ago, 2 mos ago - Monday 10/25/10 - 8:12:56 PM EST (GMT-5)
Cash. Has to be cash. When I pay on card I have no sense of transaction (I think mostly because the person at the till always gives me my card back) and end up spending much more than I planned.
10 yrs ago, 2 mos ago - Monday 10/25/10 - 8:17:23 PM EST (GMT-5)
I don't have a credit card but when I use my debit card (which is more often than not) I spend too much. So I prefer using cash because I spend less. But I never remember to withdraw it.
10 yrs ago, 2 mos ago - Monday 10/25/10 - 9:41:58 PM EST (GMT-5)
I have a credit card with the same bank that I have my mortgage.

When I use my credit card, 1% of what I buy is credited as a payment towards my mortgage.

I use my card for almost everything.

But I pay it in full each month.
10 yrs ago, 2 mos ago - Monday 10/25/10 - 9:46:51 PM EST (GMT-5)

Cash.

I just like it. Especially coins. Especially paying with perfect change. [Yes, I am one of THOSE people. MUAHAHAHAHAAH!]
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 1:23:15 PM EST (GMT-5)
Debit, or cash - no interest
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 2:39:05 PM EST (GMT-5)
When both are available, I prefer to use credit/debit and save the cash for a situation where that might be the only accepted form of payment. My wife feels almost exactly the opposite. She'd rather we use what is in hand rather than what is in the bank.
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 8:20:28 PM EST (GMT-5)
cash
it's the only way i really keep track of purchases and keep aware of how much i've truly spent/have in the bank

but i make one purchase a month with my credit card so i can build some credit when i pay it back right away
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 8:27:25 PM EST (GMT-5)
On Tuesday 10/26/10 - 6:50:53 PM Shredder249 wrote:
credit card, but only on the internets. it gives me free insurance against damaged/lost goods

I don't think I know of any other means of payment on the Internet.
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 8:33:37 PM EST (GMT-5)
On Tuesday 10/26/10 - 6:50:53 PM Shredder249 wrote:
credit card, but only on the internets. it gives me free insurance against damaged/lost goods
On Tuesday 10/26/10 - 8:27:25 PM IRLIteach wrote:
I don't think I know of any other means of payment on the Internet.

Paypal.
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 8:51:12 PM EST (GMT-5)
Doesn't Paypal involve a credit card at some point?
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 8:54:30 PM EST (GMT-5)
You can use your bank account.
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 9:22:00 PM EST (GMT-5)
I prefer cash, unless it's for an amount that I'd feel unsafe carrying in cash (40+)
And I hate using my debit card for big amounts too because I can never remember how much money is in my account (it's always a very SMALL number).
And I don't have a credit card. So yep.
10 yrs ago, 2 mos ago - Tuesday 10/26/10 - 10:20:06 PM EST (GMT-5)
cash because then I know it's paid for and don't have to think about it anymore.
10 yrs ago, 2 mos ago - Wednesday 10/27/10 - 7:10:52 AM EST (GMT-5)
Cash, I get paranoid with credit cards. I feel like I'm going to spend all my money. Because I can't see the cash getting handed over- I feel like it's not actually real.
10 yrs ago, 2 mos ago - Thursday 10/28/10 - 4:15:51 PM EST (GMT-5)
I don't think I've seen any cash in months.
And I don't miss it, either.
10 yrs ago, 2 mos ago - Friday 10/29/10 - 11:39:55 AM EST (GMT-5)
I use a credit card as much as possible - but I only have cashback credit cards. That means I reduce the cost by using a credit card, as well as delaying payment for a few weeks.

For larger payments credit cards are essential, due to the extra protection offered to UK card users under the Consumer Credit Act.
10 yrs ago, 2 mos ago - Sunday 10/31/10 - 5:42:31 PM EST (GMT-5)
Credit card. BUT i'm careful in using it at a mom-n-pop store/restaurant. Those acceptance fees are horrendous. Imagine some old couple who runs a fried chicken place. They have to compete on volume with the KFC down the street. But they have to pay 2.5% of the total transaction value to Visa to accept your card. 2.5% could = the entire profit margin for the restaurant. So they're not making any money off of serving you.
10 yrs ago, 2 mos ago - Monday 11/1/10 - 10:43:23 AM EST (GMT-5)
How are you so sure that KFC's profit margins are more than 2.5%?

10 yrs ago, 2 mos ago - Monday 11/1/10 - 10:47:27 AM EST (GMT-5)
It's a safe assumption that profit margins are tighter for a mom & pop store than for an international corporation.

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