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Old 12-05-2018, 05:12 PM #21
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Default Re: do you have a credit card

I prefer to use a credit card rather than a debit card because with a credit card, you can challenge unauthorized uses and not have to pay them. With a debit card, someone can drain your account very easily. I also know that card skimmers are still a problem, especially at places like pay at the pump gas stations. I'm hoping that as the chip technology becomes more ubiquitous, debit cards will get safer. In the mean time, my husband and I just make sure to pay off our credit card every month, so it's practically a debit card.
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Old 12-07-2018, 06:16 AM #22
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Default Re: do you have a credit card

I have a Sams card, used ONLY at Sams. I have two VISA's, one through my bank and one with Chase. The one through the bank is my internet purchase card. the other is for incidental that I cannot pay cash for right at the moment. I am very good with money, it is something I pride myself on, but it is easy to get a little over your head even for the most responsible of us. How I keep it in check is I have a "little black book" and I write down the amounts I have spent when I charge something. It helps to see it in front of your face. When you can actually see where you are at it is easier to "check yourself before you wreck yourself". LOL!!
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Old 12-09-2018, 12:13 PM #23
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Default Re: do you have a credit card

I have 3 credit cards and I clearly can't use them right. One is maxed and another one is getting there.


Guess I'll never have a good credit score since I cant use a measly $300 credit limit right lol.
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Old 12-12-2018, 12:38 AM #24
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Default Re: do you have a credit card

I have a credit card and a debit card. I only really use my debit card; the credit card is a strictly emergency kind of thing; granted I have used it in the past when I had nothing on my debit card and really needed something, but I payed it right off.
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Old 12-12-2018, 09:29 AM #25
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Default Re: do you have a credit card

most people over 18 do have a credit card and or debit card. it is very rare to use actual cash now due to all the stores and such are computerized, digital scanning. not saying people dont still use cash because some do, just that many stores, community agencies like city bus lines, air ports, train stations,DMV, social security and others now require payment by credit or debit cards. many USA states now also require everyone over 16 to have either a drivers license or state ID issued from the department of motor vehicles.

there are also many states that have changed their social services (ie food stamps, money and medical insurance plans) over to a benefit card that gets scanned rather than paper.

the enjoyment of living in the computerized digital age, paper is on the decline and "cards" with a security chip are in.

I do have to say carrying a debit card and credit card and photo ID is so much easier to deal with then standing in line counting out paper and coins.
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Old 12-13-2018, 07:44 AM #26
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Default Re: do you have a credit card

Quote:
Originally Posted by amandalouise View Post
most people over 18 do have a credit card and or debit card. it is very rare to use actual cash now due to all the stores and such are computerized, digital scanning. not saying people dont still use cash because some do, just that many stores, community agencies like city bus lines, air ports, train stations,DMV, social security and others now require payment by credit or debit cards. many USA states now also require everyone over 16 to have either a drivers license or state ID issued from the department of motor vehicles.

there are also many states that have changed their social services (ie food stamps, money and medical insurance plans) over to a benefit card that gets scanned rather than paper.

the enjoyment of living in the computerized digital age, paper is on the decline and "cards" with a security chip are in.

I do have to say carrying a debit card and credit card and photo ID is so much easier to deal with then standing in line counting out paper and coins.

Making me feel like I live in the stone age then.


My state still doesn't accept debit/credit for bus fare and still makes us use cash to pay the fee for driver's license and state ID.


Another reason why I want to get out of my backwards state soon lol. Oh well at least cost of living is low.
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Old 12-13-2018, 03:48 PM #27
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Default Re: do you have a credit card

It really depends on where you are. There's a lot of businesses around here that have $5 or $10 credit card minimums. So if it's a place like a coffee shop, most people are going to use cash since a cup of coffee doesn't tend to be very expensive.

Regarding buses, I've been in a few different cities that have reloadable cards for frequent travelers, but if you're only using the bus on seldom occasions, you still have to use cash.

But I have to admit, the paper I miss the most is bonds and stocks! It was so much easier to give bonds and stocks as gifts when they were pieces of paper, especially to minors. Now you have to set up electronic trusts and what not. And it feels so much less like a present when you say "I bought you some stock and set up a trust for you. Sorry you don't get to unwrap anything...Happy birthday!"
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Old 12-19-2018, 05:32 AM #28
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Default Re: do you have a credit card

I have a debut card and a credit card. Bought my laptop with my credit card.
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Old 01-16-2019, 02:06 PM #29
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Default Re: do you have a credit card

I have not any credit card. But I want to apply credit card for my personal expenses. But my father always told me that instead of using credit focus more on your income and use that money on your personal expenses.
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Old 01-16-2019, 11:27 PM #30
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Default Re: do you have a credit card

It takes self-discipline but credit cards are very useful.


I have a few but really only use one. Pay it back before interest is added and it is pretty much like a debit card that pays me. I make a few hundred dollars a year from using my credit card with all the cash back programs. Plus, it keeps my credit rating high.



It is also useful if you have a legitimate emergency.


My only regret is that I can't use my credit card to make my mortgage payment(and pay it off the next day of course). That would be an extra 700-$800 a year in cash back and no interest on the card.
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