what do you use for buying cold cash/ credit card ot atm??

Well, I do the same thing too. Since I don't have a credit card since my parents wont let me be their supplement. they just provided me atm cards.. When I buy things, definitely I prefer cash. then if I need more cash to buy more things, I just withdraw and withdraw.. hehehe.. Yup, its better if you dont bring a lot of money because who knows? you might get robbed at some place or even at the small. take care

I don't have any credit cards but I do have a couple of debit cards. I like to keep a little cash n my wallet at all times and so when I make a purchase I will use my debit card for anything except for low price items. This way if someone tries to rob me they will not get very much cash and my cards can be replaced (not so easily but it can be done). If yo carry lots of money and get robbed you cannot expect to have any of it returned. Some stores ask if the card s debit or credit, I try to use it as a debit all of the time so that the balance in my checking account will show it sooner. I try to check my account at least two or three times a week to make sure that no one is getting into my account.

We rarely use a credit card-only for travel or a car rental. We do use a debit card for 90% of purchases

Actually it depends on my needs. I use all of the above according to my preference. I use cash for extra little things, atm when the money in my purse is not enough and I needed to buy something badly and use credit card only when I need to spend something that costs a huge amount. Credit card for me is more convenient because I don't need to bring a lot of money especially when I go shopping. I am very disciplined in using my credit card so I have no problem with that.