when you go shopping, do you use cash or credit card?

@Aniakim (351)
Cagayan De Oro, Philippines
September 5, 2008 5:59am CST
when i really, really want to buy something that's not included in my budget for that month, i use the credit card. and usually i count how many days until the bank charges me for my purchase so i could use my money on other important stuff.
2 people like this
10 responses
@lazeebee (5461)
• Malaysia
5 Sep 08
I don't carry much cash with me, so I would use the credit cards. Moreover, the banks award points for every dollar spent - so it's an incentive to use the cards. I've got to be careful, though, that I don't overspend!
@Aniakim (351)
• Cagayan De Oro, Philippines
5 Sep 08
yeah and there are a whole lot of perks too like discounts in restaurants, shops and spas just to name a few. thanks for the response. (",)
@hellcowboy (7374)
• United States
5 Sep 08
I do not trust credit cards because they are nothing but trouble and they cause you to go into debt really fast,I usually so cash when I go to a store,but now me and my fiance will put all our money into our checking accounts and use our debit cards if we want to purchase something,and that way we can purchase stuff online since we do shop online from places like WalMart.com every once in a while.
@Aniakim (351)
• Cagayan De Oro, Philippines
5 Sep 08
having a credit card is okay especially in emergency cases, and it's good too for your credit card standings with banks. just as long as you know your limits and you know you can pay for what you got, it takes discipline and responsibility. Thanks for the response. (",)
@Ravenladyj (22904)
• United States
5 Sep 08
I always always always use cash...LOL but thats becaue I dont own a Credit Card....and as much as it was handy to have when I did have one, i'd much rather NOT have one...
@Aniakim (351)
• Cagayan De Oro, Philippines
5 Sep 08
well it could come in handy. thanks for the response. (",)
@bowtieguy (5915)
• United States
10 Sep 08
I try and use cash if I have it otherwise I will just use my debt card if it is a small transaction, if it is a few hundred or more then I will just use my credit card and pay it off later.
• United States
5 Sep 08
At stores I mostly just use money, I really only use my credit card when I shop online. Unless it's my only option It's really easy to just stand behind people at stores and take a quick pic with your camera phone and scam people. If your a cashier at a store all you have to do is stick some play-doh under the counter and when they hand you their credit card causually pretend to accidently drop it, when you bend down to pick it up..when your standing back up smoothly press it aginst the play-doh to imprint all the info and wa-la instant credit card..,just don't let them see you do it. Of course I don't recomend you go out and try this or anything, just stating how easy it is to get people's credit card numbers, which is why I mostly just use mine online.
@Aniakim (351)
• Cagayan De Oro, Philippines
5 Sep 08
thankfully i haven't been victimized by scams like that. and credit cards nowadays are just like IDs, they have the picture of the card owner on it or if it doesn't, the sales clerk asks you for any ID just to confirm if you really own that card. Thanks for the response. Happy mylotting. (",)
@valanthe (50)
• Poland
5 Sep 08
When I do my everyday shoping I use cash. Whaen I buy more expensive things like clothes I pay by creadit card. Problem is that with credit card I don't really feel how much I spend. That's why I write down all my snpands. It helps me balane by monthly budget.
@Aniakim (351)
• Cagayan De Oro, Philippines
5 Sep 08
that's what i also do to keep track of my expenses. and if i shop using my credit card, i always keep the receipt from the credit card machine so that when it is reflected on the bill, i would know if the interest that the bank charge is exact.
@gemini_rose (16264)
5 Sep 08
I always use cash now, we have a credit card but we never use it. This is because the last time we did use it we ended up in heaps of debt. If I see something I want I have to write it down and then try to fit it in my budget somewhere either later in the month or the next month. If I dont have the cash, I dont have it!
5 Sep 08
I tend to use my debit card or cash depending on how much I have bought and how much cash I have on me at the time!! I try to use cash most of the time. I dont have a credit card and would never use one!! If I dont have enough money for something despite how much my budget is I wont get it even if I really want it!! i will save money until I can afford it.
• United States
6 Sep 08
Whenever I shop, I always use my debit card. I don't really carry cash on me anymore. I never really got into the habit of using credit cards, or at least I haven't anyway.
• India
5 Sep 08
credit cardssss