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. #81
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    Re: How do you pay - cash or card?

    Quote Originally Posted by CanadaJohn View Post
    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.
    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 When I've withdrawn it its only purpose is to be spent so it gets spent more quickly.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.

  2. #82
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Sherman123 View Post
    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.
    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.
    Last edited by Gaius46; 10-30-13 at 04:31 PM. Reason: typos
    Don't be a grammar nazi - Marcus Aurelius, Meditations, Book 1 #7

  3. #83
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    Re: How do you pay - cash or card?

    Quote Originally Posted by disneydude View Post
    Sounds like paranoia. Do you really believe that your bank cares what your moves and habits are? Maybe for marketing purposes, but beyond that.....
    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.

  4. #84
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    Re: How do you pay - cash or card?

    Quote Originally Posted by tacomancer View Post
    I use bank card, not a credit card
    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.
    This Reform Party member thinks it is high past time that we start electing Americans to congress and the presidency who put America first and their political party further down the line. But for way too long we have been electing Republicans and Democrats who happen to be Americans instead of Americans who happen to be Republicans and Democrats.

  5. #85
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Sherman123 View Post
    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.
    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.
    "Liberals claim to want to give a hearing to other views, but then are shocked and offended to discover that there are other views." William F. Buckley Jr.

  6. #86
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    Re: How do you pay - cash or card?

    Quote Originally Posted by AGENT J View Post
    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.
    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.

  7. #87
    I'm kind of a big deal

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    Re: How do you pay - cash or card?

    Quote Originally Posted by brothern View Post
    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.
    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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  8. #88
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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? :wink2
    :



    I have never used a debit card, never had one. Always paid cash.

  9. #89
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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?
    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.
    Quote Originally Posted by LowDown View Post
    I've got to say that it is shadenfreudalicious to see the rich and famous fucquewads on the coast suffering from the fires.

  10. #90
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    Re: How do you pay - cash or card?

    Almost always with a debit card. I carry very little cash on me, and I hate to use credit cards.
    "God is the name by which I designate all things which cross my path violently and recklessly, all things which alter my plans and intentions, and change the course of my life, for better or for worse."
    -C G Jung

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