Do You Always Use Your Credit Card For Buying Things?  |
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I want to know whether you always use your credit card to buy things daily. For me, I always use my credit card to buy gas for my car, paying lunch/ dinner in restaurant, and buying things like clothing, etc. I always use my credit card in any possible ways. How about you?
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1. lilaclady (19664) | 2 months ago | Yes I try to use my credit card as much as possible as I have a card that rewards with points so I use it as much as possible but I always make sure I pay my card off each month.
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dodyast3 (758) | 2 months ago | Same with me. My card has a reward points too so I can deduct the points by end of the year to pay the annual fee. The balance of points, I can use it to buy voucher or something else. What can you do with your points?
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2. kent_help2smile (1677) | 2 months ago | I don't like to have a credit card for buy things. I might can't control my hands in swiping. I'd rather stay away from them. I'd rather suggest to have cash to spend what I want.
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dodyast3 (758) | 2 months ago | Some people may have the same thought as you. So far, I never have a problem of using it. I can always control my spending. If I think I already spend so much money during the weeks, I usually stay at home to reduce my expenses. Actually, I think the credit card helps me to summarize my spending in a month. Every month, I receive the bill/ bank statement for my credit card. It's stating all my expenses during the month, so I can review it and checking it whether it is too much spending or not.
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3. daliaj (2748) | 2 months ago | First of all, I don't have a credit card. I use my debit card and Paypal to purchase things online. I am scared about having a credit card because now a days there are lots of hackers and you will be a victim of their activities. I am not ready to take that risk. Even about using my debit card, I always double check my money and activated sms (text mesasge) option, so that I get a message whenever money is taken out from my account.
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dodyast3 (758) | 2 months ago | I am not using the credit card for online purchasing too. I think they don't have a good security. I only use my card for purchasing things in real stores. For online, I use paypal and alertpay.
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4. moonchild117 (338) | 2 months ago | I reserve using my credit card only for emergencies. If I used it for buying most of my stuff, I'd probably end up in debt! Haha! Though during the first few months, I used it to buy clothes and some groceries, but now I'm saving it for the rainy days.
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5. mesuaky (253) | 2 months ago | i also use my credit card often as it helps me circulate my money better. but i don't use it in all of my purchases, there are some things i still used cash. and since credit cards now a days have this promotions with other companies which gives discounts, i find it a much more benifit to my side. but i make sure i monitor my purchases cause some people tend to use credit card too much but not monitoring their budget end up in a lot of debts. thats why i do advice family and friend to watch out for this. never over use your credit card cause if you do you might wake up one day buried in debts.
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joy_evaldez (211) | 2 months ago | I utilized my credit card same as you do. I prefer to have credit mainly bacause purchasing airticket going back to Philippines is usually online. I do not want to hassle myself going to ticketing agency just beacuse of this. Also, when purhasing expensive items, we have the option to do it in installment with no interest. That way, we just have to pay a little amount every month instead of paying the full amount at one time. Lickily I have my husband who is very good in monitoring expenses and how to manage our spending. If its only me, I will tend to purhase so many things using my credit cards but will have a problem paying all those debts.
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6. dianmelydia (1632) | 2 months ago | I usually using my cash for my daily purchase. I only use my credit card on certain condition. I think using cash is not an old fashioned payment method because however there are a lot of merchants still prefering payment which made by cash money. But if we go travelling, especially to other country, i think using credit card could be a best option. But of course not every merchant accepting payment by credit card. So however we still need to have some cash money on our wallet. I think using credit card on a new place can helping us from fake money matter. Sometimes, as we don't know anything about a new place, perhaps we even don't know about their's currency, we could possibly be a fake money victim. So using credit card help us from such problem. But in my own place, i only use credit card in emergency condition. I always have enough cash on my wallet for my daily spend and so far there's no problem with it. I also think if we should be wiser on using credit card. However credit card is about owing, it's not our own money, we need to pay back the money later. Good luck and have a nice day. Happy mylotting.
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dodyast3 (758) | 2 months ago | Yes I agree with you. Credit card can be a good option while traveling, but we need to watch out the exchange rate. Usually, the rate from credit card is higher compare to regular rate.
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7. forestgold (352) | 2 months ago | Yes, i use my credit card to buy clothes, and food sometimes too. I try not to use it too much, as it is another thing to pay off each month, but i always pay more than the minimum payment, so as to try and get the balance down on it.
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8. homeshoppers (1064) | 2 months ago | i used to have credit cards before but every salary there's nothing left for me as i pay them all to my credit card. if i have credit cards i can't control buying things either online or not. so i decided to closed them all. now i a able to earn from my salary and i can sleep well without disturbing calls from them.
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dodyast3 (758) | 2 months ago | Yes I am paying my internet bill with my credit card too. I am planning to change my payment method of my cable to credit card soon. Unfortunately, we still cannot pay the electricity bill via credit card here. So I have to pay them through ATM. I also try to avoid the charges. It is the same as here, the charge is about 2-3 percent. Usually, the charge is applied to electronic stores, cell phone stores, and some other stores.
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