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How do you pay - cash or card?

How do you pay - cash or card?

  • Always with my card

    Votes: 13 20.0%

  • Mostly with my card

    Votes: 32 49.2%

  • Mostly cash

    Votes: 16 24.6%

  • Always cash

    Votes: 3 4.6%

  • I can't decide

    Votes: 1 1.5%
  • Total voters
    65
Gaius46 said:
Something about this post makes me very sad.
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My best response would be a digital *shrug* I think there isn't much that I can do to alleviate that concern. I'm well aware that my searches are logged, my shopping habits on Amazon monitored, my ad clickthroughs stored, and on, and on. But I grew up on these conveniences and they are natural to me not accoutrements. I honestly rarely pay more than a moments thought to the privacy aspect because I think I (and I'd hazard a lot of people my age) have a different definition of privacy than the one others may have grown up with.
 
justabubba said:
obviously, you need a lighter key chain

my twenty-something kids laugh at me. i dont own/want a debit/credit card. while i was required to use a federal credit card for travel as a government employee, i have never used one for personal transactions. but i have my check book (anyone remember what those are ... wasn't a poll option) for emergencies
cash is truly king. my mechanic, dentist, handyman and other service providers prefer being paid in undocumented, i.e., unreported, cash. i never have a problem scheduling an appointment and usually negotiate a discount on any purchase above $100. if they accept plastic, that costs them 3% off the top. if the furniture and jewelry vendors do not give me about half off i go elsewhere
now, i do cheat. my wife is a professional artist and accepts plastic using the square. so, if i need to buy electronics to upgrade a guitar i am about to flip, she buys it for me

here is where the digital divide separates us by generation. my old fart cohort resents the collection of their purchasing/shopping data. my kids appreciate being tracked and offered discounts on items that their buying history indicates they may want

i do expect cash to become a thing of the past. and soon. the inability to track cash diminishes taxable revenue. cash facilitates the underground/illicit economy. once systems are in place to eliminate cash transactions, the government has good reason to convert to a purely digital currency
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That is a solid point. I really don't care that Amazon, NewEgg, or what have you tracks my purchasing and advertisement choices. I don't really consider it to have that much to do with my personal privacy as I conceive it, and I very much enjoy the benefits that I derive from it.
 
brothern said:
Sure. Just like my coworkers and I follow policy and don't ever give customers a run around if they are being annoying or if we have been instructed to protect the bottom line.
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just because you or your coworkers are poor employees and violate procedures and protocols doesnt mean my back will or even can. Since these policies and procedures are posted and guaranteed to me and the customer paperwork i sign has a security and fraud agreement in it they will have to stick to it.

and if they choose not to or invent something new or break the law/contract they could face penalties. Also if they could do it for any reason they want then the whole conversation is meaningless.

Bottom line is your post was factually not true for some banks/cases. Sorry that bothers you.
 
Perotista said:
I probably divide it up between card and cash fairly even. But when I get my credit card bills they are paid off in their entirely. I never have a running balance.
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I use bank card, not a credit card
 
CanadaJohn said:
Canadians, like me, took to debit card transactions like crazy when they first came out a couple of decades ago and I think we've led the world at some point or for some time in our use of them - upwards of 94% have and use the cards. I like using cash, when I'm budgeting, because I'm a little old fashioned and watching cash leave my hands and dwindle in my wallet is a little more painful than using a debit card and not seeing the money change hands. I try to avoid credit unless I'm purchasing a larger item, or paying for a pricey car repair, and intend to pay it off over a few months.
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That is a funny point, I think I'm exactly the opposite. Personally I spend cash much more liberally than I swipe my debit card. Cash just doesn't feel as real to me. When I've withdrawn it its only purpose is to be spent so it gets spent more quickly. On the other hand my debit card feels much more real because its money that was otherwise being 'saved' and I can psychologically feel the money flowing out of my bank account.
 
Sherman123 said:
My best response would be a digital *shrug* I think there isn't much that I can do to alleviate that concern. I'm well aware that my searches are logged, my shopping habits on Amazon monitored, my ad clickthroughs stored, and on, and on. But I grew up on these conveniences and they are natural to me not accoutrements. I honestly rarely pay more than a moments thought to the privacy aspect because I think I (and I'd hazard a lot of people my age) have a different definition of privacy than the one others may have grown up with.
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Okay fair enough. I'm more reacting I think to an implied attitude (which I may be misreading) that privacy doesn't matter.

With every potentially privacy invading technology I decide to use I do give some thought as to whether or not the convienence is worth the potential loss of privacy. I'm trying to get my home to be completely paperless (all bills delivered electronically, all records stored electronically etc) because I hate paper. There's potential loss of privacy - emailed bills and documents can be intercepted - but it's worth the loss of privacy to insure that I don't lose the papers. Much of those are stored in google docs or dropbox or SugarSync or backed up via an online backup solution because losing those records - or years of photos - to a house fire would be a disaster. Again there's a potential loss of privacy there but I deem it worth it to insure important documents are safe.

Same with Amazon and other online retailers. Use them all the time but the convienence is worth it.

I can live with less privacy if the counterbalancing convienence is worth it to me.
 
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disneydude said:
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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Well, may be. But just look at the "spy" scandals this year, chancellor Merkel being the latest. Nobody was thinking they were being spied but they were.
Better safe than sorry. :)
 
tacomancer said:
I use bank card, not a credit card
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If a bank card is a debit card, I have heard too many horror stories coming from people who had their card stolen etc. and the money out of their bank account was gone forever. The credit card will not charge you and it also give for the most part buyers guarentees.
 
Sherman123 said:
That is a funny point, I think I'm exactly the opposite. Personally I spend cash much more liberally than I swipe my debit card. Cash just doesn't feel as real to me. When I've withdrawn it its only purpose is to be spent so it gets spent more quickly. On the other hand my debit card feels much more real because its money that was otherwise being 'saved' and I can psychologically feel the money flowing out of my bank account.
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Whatever keeps you cautious is best - you run into problems when none of money, debit, or credit feels like real money and you spend it freely - and there are lots of people in this world who feel just that way.
 
AGENT J said:
just because you or your coworkers are poor employees and violate procedures and protocols doesnt mean my back will or even can. Since these policies and procedures are posted and guaranteed to me and the customer paperwork i sign has a security and fraud agreement in it they will have to stick to it.

and if they choose not to or invent something new or break the law/contract they could face penalties. Also if they could do it for any reason they want then the whole conversation is meaningless.

Bottom line is your post was factually not true for some banks/cases. Sorry that bothers you.
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LMAO! I don't care about "factually true" in all instances. It has been my past job in the financial services to encourage both financial safety and literacy. In this case, it's the point that debit cards should only be used for (1) ATMs or (2) cash back services. Most everything else should be put on credit. It's a proactive step to ensure both your financial health and mine.

Secondly - just because you feel a false sense of security that your bank can bail you out (or your assertion that they will), is exactly the attitude that causes issues like the 2008 financial crisis or our astronomically high levels of personal indebtedness. It's the unwillingness to understand or take ownership over the fact that you're being financial reckless with your money.
 
brothern said:
LMAO! I don't care about "factually true" in all instances. It has been my past job in the financial services to encourage both financial safety and literacy. In this case, it's the point that debit cards should only be used for (1) ATMs or (2) cash back services. Most everything else should be put on credit. It's a proactive step to ensure both your financial health and mine.

Secondly - just because you feel a false sense of security that your bank can bail you out (or your assertion that they will), is exactly the attitude that causes issues like the 2008 financial crisis or our astronomically high levels of personal indebtedness. It's the unwillingness to understand or take ownership over the fact that you're being financial reckless with your money.
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nothing false about it or reckless

since they have an insurance policy on it just like the credit card/debt card and credit cards they offer theres no difference for MY finical institute.

I guess it was my personal indebtedness and unwillingness to understand or take ownership that made me ask my CU these questions and read the contracts/agreements so that i understand them and know the fact that me using a thier card is no different than thier other cards when it comes to fraud security/protections.

you tell a cute story though, thanks, ill keep doing what im doing and be factually protected just like if i used their credit card. Its weird you seem so angry.
 
Canell said:
Hi all

Simple question here: do you pay cash or with your card? :)
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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? :wink2
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:
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I have never used a debit card, never had one. Always paid cash.
 
Canell said:
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? :wink2:
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In the US I never carried cash on me; I paid with debit card for everything. In Europe that's not possible because they're technologically at least 10 years behind the US, so I'm forced to use cash like a barbarian.
 
Almost always with a debit card. I carry very little cash on me, and I hate to use credit cards.
 
Perotista said:
If a bank card is a debit card, I have heard too many horror stories coming from people who had their card stolen etc. and the money out of their bank account was gone forever. The credit card will not charge you and it also give for the most part buyers guarentees.
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I don't know what "lending institutions" you or your friends deal with, but honestly I've never heard such "horror stories".

I do read the news and I see plenty of stories of muggings that happen at atm's.

I have also never heard of anyone being able to walk into their bank and report that hours after removing cash from their account, they were robbed at gun point of all the money, and then the bank says, no problem, we'll just give you more cash. How much were you robbed of?

If I lose my wallet or card, I can have my credit/debit card "turned off" and inactivated.

If I have cash in my wallet.......gone. Forever.
 
Dragonfly said:
I don't know what "lending institutions" you or your friends deal with, but honestly I've never heard such "horror stories".

I do read the news and I see plenty of stories of muggings that happen at atm's.

I have also never heard of anyone being able to walk into their bank and report that hours after removing cash from their account, they were robbed at gun point of all the money, and then the bank says, no problem, we'll just give you more cash. How much were you robbed of?

If I lose my wallet or card, I can have my credit/debit card "turned off" and inactivated.

If I have cash in my wallet.......gone. Forever.
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Like I said, I heard stories about the Debit cards so I won't have one. I do carry credit cards and a small amount of cash.
 
RabidAlpaca said:
In the US I never carried cash on me; I paid with debit card for everything. In Europe that's not possible because they're technologically at least 10 years behind the US, so I'm forced to use cash like a barbarian.
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The amount of truth in this post is overwhelming. Thank you.
 
Both. When i dont have cash, my card. When i have cash, with cash.
 
AGENT J said:
nothing false about it or reckless

since they have an insurance policy on it just like the credit card/debt card and credit cards they offer theres no difference for MY finical institute.

I guess it was my personal indebtedness and unwillingness to understand or take ownership that made me ask my CU these questions and read the contracts/agreements so that i understand them and know the fact that me using a thier card is no different than thier other cards when it comes to fraud security/protections.

you tell a cute story though, thanks, ill keep doing what im doing and be factually protected just like if i used their credit card. Its weird you seem so angry.
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Yes I am, because there seems to be an unending parade of idiots like you who believe they are able to metaphorically drink and drive without a seat belt ...

.... but then complain to everyone else when they get royally screwed.
 
Perotista said:
Like I said, I heard stories about the Debit cards so I won't have one. I do carry credit cards and a small amount of cash.
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I once heard stories about December 21, 2012 being the end of the world.....
 
brothern said:
Yes I am, because there seems to be an unending parade of idiots like you who believe they are able to metaphorically drink and drive without a seat belt ...

.... but then complain to everyone else when they get royally screwed.
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you like to make stuff up huh?
guess my CU and the insurance/security policies and agreements i read are just all wrong. Guess the fact that it factully happened to me and i got all my money back was just fantasy. Its all a lie and only your opinion matters. lol

can you point out where i complained? oh thats right i didnt it was only you complaining.

like i said, cute story, keep being mad while i keep living in reality where the fact remains your post was wrong.
 
Isn't this a simple matter of asking your bank or lending institution how they deal with stolen debit cards or numbers?

Talk to your bank. Don't listen to stories from people.

Actually talk to your bank and ask questions. Specifically about fears of debit card fraud and how you'd be protected.

Doesn't that make more sense?
 
vasuderatorrent said:
How???
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How? How many cash registers you know that don't have a camera perched over the top of it?

Most CC surveillance systems nowadays are internet based. I can be sitting in my condo in Florida watching what's going on in my store in Oregon. As has been shown, anything on the internet can and will be traced. If the government wants to get into your CC feed the barely there firewall blocking outside intrusion isn't going to stop them.

If that isn't enough, the government as was shown in the video I provided and the link is doggedly determined to set up a society of snitches.

Also, banks record the serial numbers of cash. The money those banks send out to ATM's or to businesses or are out of their drawers are on file. Their money counting machines have this capability.
 
Dragonfly said:
I once heard stories about December 21, 2012 being the end of the world.....
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That's okay, the fact is if I had a debit card I would be nervous as all get out and I wouldn't use it. It would be locked in my safe and do me no good to have it. So why have one in the first place. I have what I am comfortable with. To me that is all that matters.
 
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