CC for the rebate and fraud protection.
Never never never use debit cards! You can be wiped out and there is no recourse...
there are totally different laws involved between the use of credit cards and debit cards .
read the fine print on viabor master card zero liability and it tells you with debit cards if a non visa network is used you aren’t covered .
like you have some control over how the bad guys use your card .
we always see the news segment seven on your side intervene when a ban k will not refund someone’s money when their debit card was used and there is a question about how these numbers were obtained.
i used my fidelity debit card to take out my pay check from a bank lobby atm .
it never saw the light of day anywhere else .
somehow my pin and card numbers were stolen internally.
the bank saw the card was never used anywhere else so no problem getting my money back .
had that card been used elsewhere i would have had a losing battle on my hands
Almost exclusively credit cards, sometimes cash, but never debit card.
There are 2 diners near me which have very similar prices on their menus. But way down on the bottom of the menu, one says the prices do not reflect a 4% discount if you pay cash. The other one says the prices do not reflect a 4% surcharge if you use your credit card. This makes price comparisons a little tricky because I will use cash at either place.
For many years we used cash for any local purchases. DH is averse to anything financial. He found using credit cards abstract and too complicated. Yes, it's very weird. But in trying to get him in touch with our money he asked if we could just use cash. So we did.
When Covid hit in 2020 he thought maybe cash was not such a great idea. I always loved optimizing the credit card cash rewards so we went back to using a couple of cards. We never carry a balance and pay no interest.
I keep him updated on which credit card to use for what purchase (2% on everything card except for the quarterly 5% on categories on another card) and he keeps a note in his wallet. So far, so good.
In 2021 I got my first smartphone and started paying for everything with Apple Pay. Just love that! Last summer I got a hand me down Apple Watch and now I pay with my watch.
I downsized my purse so well that I stopped using it and just carry a minimal wallet. I put a $20 bill in the wallet, just in case. It's been a year and I have not used it.
When we used cash all those years I had a supply of coins coming and going. I would roll those up and take them to the bank for bills. Last week I found I had a roll of quarters and a roll of dimes left and took those in.
I used to enjoy using cash. Direct, concrete, and ANONYMOUS. But I also like the cash rewards. I haven't kept track of how much, but it's better than none.
I have a debit card to the checking account but I don't think I've ever used it. And I wrote a check yesterday for Property Taxes.
Yeah, but, for me that $20 would have ended up buying a lottery ticket when it got to $900 million
You are a fan of the optional state lottery tax?