View Poll Results: How do you pay - cash or card?

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  • Always with my card

    13 17.33%
  • Mostly with my card

    41 54.67%
  • Mostly cash

    17 22.67%
  • Always cash

    3 4.00%
  • I can't decide

    1 1.33%
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Thread: How do you pay - cash or card?

  1. #21
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    Re: How do you pay - cash or card?

    Cash is the king, but not because of the privacy concerns. Just paranoid fear of debt. The first-generation immigrant mentality, I guess. I do use credit cards that give good points, but only up to 15% of the limit, and only when I know for sure that I will be able to pay off the entire balance the same month.

  2. #22
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    Re: How do you pay - cash or card?

    I mostly use a credit card.

    It provides me with a quick method of tracking my expenses, I get cash back on the card, and it's paid in full every month.

    If I want to buy something I don't feel like any one having a record of, I pay cash.
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  3. #23
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Canell View Post
    Hi all

    Simple question here: do you pay cash or with your card?

    I would say that paying with a card is quite dangerous in terms of privacy - the bank knows all your moves and habits, what you buy, where you go and when you go. I'm not comfortable with that to say the least.

    So, what do you think?
    I agree that the potential is there to be dangerous. I'm married so I don't really get to decide what all my habits are. Some of them are picked out for me. I love cash but my wife believes cash disappears much faster than using a debit card. She gets violently ill when I take out cash. I answered truthfully on this survey because I do mostly use a card but I certainly prefer cash for the exact reasons that you stated.

    This gives the bank and potentially the government all of my spending habits. I'm not comfortable with that. I know that data currently isn't being used to suck my brain out or anything but I don't like giving away that kind of power. Using a bank card also sets you up for overdraft fees when you miscalculate your check book. That has probably happened 3 times in my life so I suppose that's not a sufficient argument for switching to a pure cash spending regimen.

    I use my card but I would be overjoyed if I could switch to a pure cash mode of commerce engagement but I'm married to someone who breaks out in hives when she sees large sums of money.

  4. #24
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    Re: How do you pay - cash or card?

    Quote Originally Posted by ChezC3 View Post
    They track that too bud, sorry to say...
    How???

  5. #25
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    Re: How do you pay - cash or card?

    Quote Originally Posted by vasuderatorrent View Post
    How???
    I'm retired, but I buy and sell. There's nothing like cash to buy and sell. It makes everything a little cheaper. Consistently.

  6. #26
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    Re: How do you pay - cash or card?

    Quote Originally Posted by DaveFagan View Post
    I'm retired, but I buy and sell. There's nothing like cash to buy and sell. It makes everything a little cheaper. Consistently.
    You can't really haggle when the vendor has access to the full balance of your credit card. Cash does improve your capacity to negotiate. I don't think a shrewd money manager could deny that.

  7. #27
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    Re: How do you pay - cash or card?

    I use cards mostly for online payments. Also, for very large lump sum payments because I don't like carrying a lot of cash on me.

    But most of the time, like in everyday purchases -> when eating out, or going to the supermarket or whatever, cash.
    I usually keep some money on my cards at all times just in case... but rarely enough to be able to buy rather costly things online but enough to have to make supermarket payments if I forget to carry cash on me.

    I never, ever, carry credit cards or get credit cards. Just debit cards. I was offered a credit card from both banks that I have accounts at, I rejected both. No thank you... no credit cards for me.

  8. #28
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    Re: How do you pay - cash or card?

    Cash is still king.

  9. #29
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Canell View Post
    Hi all

    Simple question here: do you pay cash or with your card?

    I would say that paying with a card is quite dangerous in terms of privacy - the bank knows all your moves and habits, what you buy, where you go and when you go. I'm not comfortable with that to say the least.

    So, what do you think?
    Sounds like paranoia. Do you really believe that your bank cares what your moves and habits are? Maybe for marketing purposes, but beyond that.....
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  10. #30
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    Re: How do you pay - cash or card?

    Quote Originally Posted by americanwoman View Post
    Most everything with card, heck I just bought a car with a credit card. We were just looking for a small 1-2 year loan to get a nice used car and when the girl offered a 0% interest credit card for 12 months I was sold. It was a little tricky finding a dealer that took the card without hesitation but it worked out. A lot of people I told were surprised you could buy a car with a credit card, I didn't even think about it either until the girl at the bank mentioned it.
    I have bought several cars using a credit card. The financing for a credit card was superior to car loans just a few years ago but now 72 and 84 month car loans are available. Car dealers have to pay a transaction fee when you use a credit card to pay for a car. I'm sure it would be common for a car dealership or businesses selling big ticket items to refuse credit card payment. A lot of credit cards give out cash advance checks that allows you to pay for things without costing the vendor the credit card processing fee. Car dealership will quickly take those checks as payment.

    The monthly payment of a $10,000, 60 month, 6% loan is $193.33 per month. The monthly payment of a $10,000 balance on a credit card is $200 a month but you can buy $200 of gas on that same card, then pay $200 payment on that same card. You basically avoided making a car payment that month. The credit card offers a very flexible form of financing but don't abuse that flexibility, it can get you in serious trouble.

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