Do you mostly use cash,write checks,or use a credit card to buy things??

Question

I use only my debit card...i rarely use cash or write checks.

Answer 1

Credit card. - i pay off my balance every month and earn reward point at the same time

I dont use debit card to purchase things any more (especially when they ask you to enter your pin number)

I think a while ago some companies lost some data that contain customer debit card number and pin number and i was one of the victim. Someone withdraw money from my bank account from an ATM in Chicago while i live in SF (my card is with me) Thank god the bank contact me the next day, give me a new account and refund me the money.

So my suggestion is never enter your pin number when you use debit card to purchase item. It is NOT safe!

As for check, i only use it when i have to.

Answer 2

I use my debit card mostly, but only when it won't leave my sight. If I'm going to a nice restaurant where the server takes your card and then brings the form to sign I take enough cash to cover the bill. Debit cards and credit card have a code number on the back which is required when ordering things on line or over the phone. You can not let that number fall into the wrong hands!!!! Guard your number and identity well.

Answer 3

I always use a credit card...

1) I get frequent flyer miles.
2) I pay off the balance every month.
3) It's fast at the stores...I still have a pet peeve with people writing checks...it takes soooo long!
4) They lend the most protection. You can report them stolen very easy (just had a friend who got his cc's, checks and license stolen. Credits cards were no problem, but the thief wrote bad checks and one major box store didn't catch him!

I know some people say that credit cards have high interest rates and that they'd never buy something they didn't have the money for. Well, I follow the same rules, but I just get a bill/statement once a month and pay it off instead of paying for it at the time of purchase!

Answer 4

Congratulations, you are in better shape financially than most of the US. Keep up the good work. I only write about 3 checks per month. If those bills could be paid on-line without losing the paper statements, I'd stop writing them. I quit using credit cards last month and plan to have them paid of by year end. I prefer cash to the debit card. I tend to spend less.

Answer 5

For larger amounts I write checks and use the debit card for smaller amounts. I don't use my credit cards. If I don't have the money in my checking account, I don't buy anything. Have been trying for 6 years to get out from under high interest credit card debt and am almost there. Won't go there again.

Answer 6

My advise is to use your credit card. For the benefit of the buyer protection plan most credit cards offer. Just don't buy past your means. Or if your atm has the credit card logo on it you will probably have the same benefit.

Good Luck

Answer 7

I'm like you, I use my debit card. I don't use credit cards, they are to easy to get and the interest will eat you up. You never get them paid if you pay the min. payment. If I don't have the resources in my debit account to buy things then I wait until I save towards it. I only write checks for household expenses.

Answer 8

I rarely carry cash, and only write checks for things where they won't accept my bank card or cash, such as my daycare. I think most people operate this way now days.

Answer 9

I use my mastercard for everything then pay it in full every month. I get tons of miles! Plus nobody can link it directly to my bank accounts should someone steal it. I'd rather dispute charges on my credit card statement than allow the bad guys to get thier paws on my bank accounts.

Answer 10

debit card and cash. credit cards only for emergency, checks for bills that have to be mailed.