how many of you use credit or debit cards?

India
August 21, 2008 1:58pm CST
I want to from you guys as how many use credit or debit cards while shopping rather than giving direct cash in the counter.
3 people like this
11 responses
@Gwapako_28 (2142)
• Philippines
27 Aug 08
I am using my credit card for emergency like i dont have enough cash for groceries and our foods. But if i have cash, i prefer to pay cash than using my credit card...
• India
27 Aug 08
Your suggestion is good. Have a nice day.
@mykmari_08 (2466)
• Philippines
27 Aug 08
We used to have three active credit cards a year ago and I considered that we're fortunate enough to be approved of all three. But I found out a little later that it was the opposite. As expected, we overused it for practically anything, from the basic commodities to our luxuries. As a result, we exceeded our credit limits and sadly enough, they were barred from the card system. I have to admit that we weren't able to pay all of our monetary obligations with these three credit card companies. Luckily, I was able to pay-off the whole amount last January of the present year in one of these cards. The second one, we still have a thousand pesos or approximately two hundred twenty dollars. While the third one, we still owe the card company about eight hundred dollars. It was absolutely our mistake of overusing the cards and not paying the whole amount immediately. Penalties, surcharges, and additional interests have accrued on the bills already. So, I told myself to pay-off all of it as soon as our finances permit us and I'll try my best not to be tempted of using credit cards again. Now, we have no choice but to pay all our purchases in cash. Hopefully, we'll have enough funds to live by and not rely on the cards.
• India
27 Aug 08
Ok its good than friend, Enjoy the day.
@mcspocky (65)
• United States
23 Aug 08
I prefer to use cards and not carry any cash at all. I've been that way for around 7 or 8 years.
• India
25 Aug 08
@usagi412 (39)
• United States
21 Aug 08
usually i don't really use my credit card unless i have to. most of the time i just give cash to buy the stuff that i want on the store. but i would use the credit care for very expensive items because i get to get 1% back.
• India
25 Aug 08
@Shaun72 (15968)
• Palatka, Florida
21 Aug 08
I have a bank debt card but I don't use it when I go grocery shopping.
• India
21 Aug 08
okay..........
• United States
21 Aug 08
I don't have a credit card, but think I will get one in order to establish credit. I do however use a debit card. I think it is much more convenient than having to always carry around cash, and you can use it for internet purchases. Cash always has the problem of having to carry it around, and getting change back, and if cash is stolen, you have really no way to get it back, or "cancel" it. Definitely a fan of debit cards.
• India
21 Aug 08
Good to use debit cards rather than using credit cards. Have a nice day.
@rmuxagirl (7562)
• United States
21 Aug 08
I do use a credit card and debit card. In fact I got rid of my credit card recently and I kind of regret it. I realize if I still had it I wouldn't have to worry about having money for gas or other things that unexpectedly comes up, so I might look into other cards that I may apply for after I get this one completely paid off.
• India
21 Aug 08
Oh i see.
@nizhama2 (295)
• Malaysia
21 Aug 08
I have credit card but prefer go shopping by cash.I use my credit card for on-line purpose and pay my bills through internet and for the petrol too. My advice to anybody who don't have a credit card yet, try to avoid it, or if you have one, try to not make another one. I think the banker make a good money from our credit card, they know how to make us use it...
• India
21 Aug 08
Its true friend.Even i too use credit card rarely.But most of my friends use credit card for each and small things too.I advised them not to use,but they didn't listen,so i stopped telling them.
• India
21 Aug 08
Although i have credit and debit cards, i don't use them while shopping. I use direct cash for shopping.
• India
21 Aug 08
• United States
21 Aug 08
Well it depends, I usually use cash for my purchases because it is a lot easier for me, but for big purchases online I like to use credit as long as I have the money on hand to immediately pay the credit card down, I do this so I can build my credit score, making it easier to get loans for college which is coming soon. I just bought an airline ticket online for Sweden a few weeks ago, it was a little over $800 USD, so I used my credit card and had it paid off the next day, it felt reall good to finally buy that ticket! But anyways, when I buy food or regular need objects, I always use cash because it is kind of stupid to use credit on those things. When I shop online I only use paypal because that is a very easy way to have transactions while having the money on hand, I love paypal! Anyways, what do you use when you are shopping? Happy mylotting!
• India
21 Aug 08
Its good to go to Sweden.
• United States
21 Aug 08
i got a credit card. but i havent used ti yet. its aprepaid teen credit card im not old enuff to get a real one yet . wich i guess is a gud idea. so wen i do get it and put money on it i will b using it . i cant wait. yay.!!
• India
21 Aug 08
Oh i see.