Do you prefer using cash to shop or use a credit card ?

@kharen (1488)
Philippines
August 22, 2008 12:00am CST
Some people take precautions now a days that they just bring their credit cards than bringing their money when they go shopping but looking at it, It's a debt with interests that's added maybe as payment for the security that you won't lose money to bad guys. But there are still some that uses and brings their money to shop just to avoid having debts with these interests but it really is dangerous if someone spies you with all these money just to shop. Are you one of those who bring money or you use credit cards?
18 people like this
66 responses
@zer0charly (5618)
• Philippines
22 Aug 08
well, it depends on what kind of things will I buy. If that is appliances or cellphones, I will probably use credit cards for it. you can get lots of benefits from buying appliances and cellphones using credit cards. you can pay appliances and cellphones in 6 or 12 months with 0% using your credit cards, and it will help you to save a lot. If I'll just buy clothes or things on the grocery stores, I'd probably use cash for it.
• Philippines
1 Sep 08
wow. thanks for the best response!
@jaded22 (828)
• Philippines
22 Aug 08
Cash since I don't have any credit cards. lol. However, when I'm with my mom and we shop, for sure a credit card swipe is on the way. Good day!
1 person likes this
• Philippines
22 Aug 08
I too don't have any credit cards so I rather use cash. Wait a minute I don't have cash too. Anyways if I have both, I prefer credit card for safer reasons, just don't give out your account # to anybody and it would be fine but it has interests. And know your limitations it is easy to use your credit card but it's hard to be a responsible credit card user.
@bhebie9 (65)
• Canada
22 Aug 08
Our city have a high employment rate, so crimes are really rare here. I prefer bringing cash rather than using my Debit card.
1 person likes this
• Canada
25 Aug 08
Just because I don't use credit cards, that doesn't mean I don't have a bank account. I would NEVER bring a huge amount of cash with me, unless I'm blowing it all out on a shopping spree or something. And yeahh... the gangs w/e I'm don't ever step foot on shady places. If I somehow happen to have to pay 1K+, I'd use those plastic cards--which I know without will power, will take over my life. I still prefer cash.
• United States
24 Aug 08
I always use credit card don't like carrying cash around with me it is to dangerous here
1 person likes this
@Crysi23 (515)
• United States
23 Aug 08
I prefer using cash when I have the cash on me but other than that I'll use my debit card. I don't own a credit card.
@Chevee (5915)
• United States
23 Aug 08
I am a card person, My paycheck is direct deposit so I don' really carry cash, I have credit cards but they are mostly used for emergencies. I use bank cards that my bank issues, I go debit or credit from that card.
1 person likes this
@ganda8831 (816)
• Philippines
22 Aug 08
I do both. I bring money at the same time I use my credit card. If I see something I like but it's quite expensive, I charge it to my plastic. But if my cash can pay for it, I use the cash.
1 person likes this
@kissie34 (2296)
• Philippines
22 Aug 08
Since I don't have a credit card then I prepare cash ... Well, I agree with you.. I don't want to apply any credit card because I am afraid that I might not able to pay my debts.. Then if you don't pay your debt, it will increase it because of the interest that the bank is adding, the more it is really hard to pay it.. I have known many people who have this kind of problem.. They can't now pay all of their debts because it is getting bigger due to the interest added every month and some additional payment.. Until now, they didn't pay their debts in the bank.. I don't know what will happen to them..
1 person likes this
• India
22 Aug 08
Hi friend, i have no credit card. So i am not used to. But my parents have this. However they never use it. Only when it use in emergency. If they have money in hand the pay cash. Using credit card is sort of headache. But i use my debit card for shoppin
1 person likes this
@BriNbai (912)
• United States
22 Aug 08
It depends on what im buying.If I purchase something really expensive then I use a credit card that way I get rewards from the credit card company. Also for things like bills and groceries I use cash and shopping for clothes I mostly use credit cards. But since I barely buy big expensive items and I dont go shopping often my cards get barely used..that way I'm not way in debt and I can pay off the credit cards as they are used.
1 person likes this
@guybrush (4660)
• Australia
22 Aug 08
I prefer using cash. When I buy the groceries, I always get the money out of the machine first, because I'm worried if I get to the counter and the card doesn't work, I'll be really embarrassed! I'm always worried I'll forget the PIN or something, or that I won't be able to see to press the buttons. All those silly machines are different, and I get a bit flustered - especially if I've forgotten my glasses!
1 person likes this
@chrislotz (8203)
• Canada
29 Nov 08
I use my credit card for all my purchases. The reason I do is so I can manage my money better. I know how much I spent that month and I know I have to pay it back that month' so I keep my money to pay it. Then I know how much I am spending and can budget myself better. I used to pay for everything with cash but I was finding I was almost always broke so since I started doing it this way, I can see where my money is going and I can cut back where I need to. It doesn't work for everybody though. My daughter tried it after she saw me doing it and she found that at the end of the month she didn't have enough money to cover it all and she ended up oweing more and having to pay interest on it. So she has now paid it off and only uses cash to make her purchases. Alrighty then, talk to you later my friend, Have a good day, Chris
@abhiroop85 (2828)
• Scottsdale, Arizona
4 Sep 08
i always use a credit card or sometimes a debit card for shopping ,as it is easy to carry and i think it is secured than liquid cash ,so i use it although i know it has some risk.
@gabbana (1815)
• China
30 Aug 08
i take credit cards with me everyday and i use them a lot and i hate them. why? it makes me feel that i have lot of money on hand, and also makes me feel i'm not spending my money. and a month later, i pay back my credit painfully.
@msedge (4012)
• United States
29 Aug 08
I don't use credit cards.I use cash and my debit card when shopping.With that i can control my expenses.Using credit card is dangerous of having no control of spending and end up paying large debts.
@Thoroughrob (11750)
• United States
27 Aug 08
I prefer cash at a store. I can get into too much trouble with cards.
@shajian (213)
• India
26 Aug 08
I prefer to use credit card for my purchases. But i always try to clear the bills before the due date.
@ahgong (10064)
• Singapore
26 Aug 08
I prefer cash over card anytime! The trick to using a card is to ensure you have that kinda money before you spend it. So if the card has a limit of $2000, ensure you have at least $2000 on standby at all times. Then when you use the card, pay it up as soon as possible! This will reduce the chance of incurring interest when you forget to pay on time! Then once the standby money is used, replace it! You can afford to take a little longer as you are using your own money. Sort of taking a loan from yourself, minus the interest. That way, you can enjoy the benefits of the card, and still spend like you are carrying cash around!
• Singapore
25 Aug 08
For me, I normally pay by card if it is accepted. This because I can accumulate reward points... more freebies for no extra cost so why not? Sometimes though, if the amount is small, I would just pay cash. I just feel it would be simpler and faster for all. Cheers!
@mflower2053 (3227)
• United States
25 Aug 08
I like using my debit card and think that every place should accept them. I hate carrying around cash and yes it could be dangerous if you don't keep track but I think it is easier then writing a check for things. Checks should be used for paying bills.