Lot of my friends are using debit cards for their daily purchases nowadays. Me, still using cash at the grocery store, but also credit cards due to the protection and bonus points you can acquire. Rarely use checking acct. or coins. Just curious to know how everyone else is making purchases with.
Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons?
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villiageidiot
Leah's Biggest Fan!
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
Debit card, all the time. Hardly ever carry cash anymore!
Debit card, all the time. Hardly ever carry cash anymore!
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
My debit card or cash. I like to use cash mostly but I've started to use my debit card more since it comes out of my account anyway and I always monitor my account.
My debit card or cash. I like to use cash mostly but I've started to use my debit card more since it comes out of my account anyway and I always monitor my account.
Facetious
Moderated
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
About 90 % of my expenditures are paid with ATM or Cash. I write very few checks.
√ Visa for big purchases. It offers good protection in the event that something doesn't work out. It's important to pay the bill ASAP (like, when you receive it !) as opposed to letting it sit on your desk 'till the last minute !
Example - Let's say that you have $500 in your checking acct. and your visa bill is $700. You rush to the bank to deposit a $1500 check into your checking acct so that you have enough funds to pay off your Visa bill. Following the deposit transaction, your checking acct. will "read" as $2,000.00, however, the $1500 check hasn't yet "cleared". Depending on the bank, they'll likely charge you a finance percentage on the $200.00 that your acct was "short" even though the acct. originally reads as $2,000.00 ! The idea is to always keep a balance well above the amount of your bills inside your checking acct. This is how banks make money . . . . off of peoples' ignorance. Do take the time to understand the fine print ! If you don't understand all of the semantics, find out !
I would recommend a Credit Union or Regional Community Bank, all the way ! BTW :thumbsup:
The giant corporate banks generally treat us like garbage and find new ways to steal our money.
About 90 % of my expenditures are paid with ATM or Cash. I write very few checks.
√ Visa for big purchases. It offers good protection in the event that something doesn't work out. It's important to pay the bill ASAP (like, when you receive it !) as opposed to letting it sit on your desk 'till the last minute !
Example - Let's say that you have $500 in your checking acct. and your visa bill is $700. You rush to the bank to deposit a $1500 check into your checking acct so that you have enough funds to pay off your Visa bill. Following the deposit transaction, your checking acct. will "read" as $2,000.00, however, the $1500 check hasn't yet "cleared". Depending on the bank, they'll likely charge you a finance percentage on the $200.00 that your acct was "short" even though the acct. originally reads as $2,000.00 ! The idea is to always keep a balance well above the amount of your bills inside your checking acct. This is how banks make money . . . . off of peoples' ignorance. Do take the time to understand the fine print ! If you don't understand all of the semantics, find out !
I would recommend a Credit Union or Regional Community Bank, all the way ! BTW :thumbsup:
The giant corporate banks generally treat us like garbage and find new ways to steal our money.
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
I use checks for the rent and bills.
Cash for fast food.
Debit/credit card for online purchases, smokey treats and other such.
I use checks for the rent and bills.
Cash for fast food.
Debit/credit card for online purchases, smokey treats and other such.
Will E Worm
Conspiracy...
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
Cash (worthless Federal Reserve paper.)
:tongue:
Debit card online.
Cash (worthless Federal Reserve paper.)
:tongue:Debit card online.
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
Agreed Debit card. Who in the hell uses cash anymore:dunno: Hardly ever carry more than $40 or $50 bucks on me for emergencies.
Agreed Debit card. Who in the hell uses cash anymore:dunno: Hardly ever carry more than $40 or $50 bucks on me for emergencies.
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
That's exactly what I use. I've been screwed too many times by Citibank, Bank of America, Wachovia etc......
That's exactly what I use. I've been screwed too many times by Citibank, Bank of America, Wachovia etc......
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
Yeah, same here. I also use my debit if I don't have enough cash
Yeah, same here. I also use my debit if I don't have enough cash
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
For small things like cars, diamonds and Jimmy Choo's I use the cash left over after I've payed my pimp.
For larger transactions such as Villa's in the South of France I need to launder my cash through my fake business of knitting socks for kittens and only then, once it is clean and has cleared can I use a credit card.
For small things like cars, diamonds and Jimmy Choo's I use the cash left over after I've payed my pimp.
For larger transactions such as Villa's in the South of France I need to launder my cash through my fake business of knitting socks for kittens and only then, once it is clean and has cleared can I use a credit card.
METAL HEAD
Closed Account
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
cash most of time debit sometimes when i really have too.
cash most of time debit sometimes when i really have too.
Violator79
Take a Hit, Spunker!
Re: Cash/Debit Card/Credit Card/Check, What R U using most for your daily transactons
I pay with cash. When I pay a bill, I have my best friend come over and use his debit/credit card and I give him the money in return.
I pay with cash. When I pay a bill, I have my best friend come over and use his debit/credit card and I give him the money in return.
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