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Is cash better than credit card when doing the shopping?
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"Good question shag and for me I like both. Here in France we have a limit that we can use our debit cards monthly which is a pain in the arse but you get used to it so once I’ve reached my limit I use cash. My limit was raised last week to €1500 but Eves is €6,000 a month. I went into a coffee shop last week that only took card no cash but the tip jar on the counter was cash bless them. So both for us. T" You have a limit on the amount you can spend on your debit card? Why would a bank do that as they make money in every transaction you put through it. Granted the EU has capped that amount to a tiny percentage but it is still a decent amount for banks. | |||
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"Good question shag and for me I like both. Here in France we have a limit that we can use our debit cards monthly which is a pain in the arse but you get used to it so once I’ve reached my limit I use cash. My limit was raised last week to €1500 but Eves is €6,000 a month. I went into a coffee shop last week that only took card no cash but the tip jar on the counter was cash bless them. So both for us. T You have a limit on the amount you can spend on your debit card? Why would a bank do that as they make money in every transaction you put through it. Granted the EU has capped that amount to a tiny percentage but it is still a decent amount for banks." Yes and the only reason I’ve got is just that it’s France and it’s not a massive credit society like the UK. When I first moved here I paid €10,000 into the bank and fucked off with the family to eurodisney and couldn’t work out why my bank card didn’t work so on return I went to the bank to ask why only to be told that my ceiling was €300 a month. You get used to not being able to use your own money just like most shops closing for lunch. On the way back from holiday yesterday I had a text from my bank telling me I had €29 left this month on my card but I have €12,000 in that account. I can draw cash out but I just can’t pay with my card. T | |||
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"Good question shag and for me I like both. Here in France we have a limit that we can use our debit cards monthly which is a pain in the arse but you get used to it so once I’ve reached my limit I use cash. My limit was raised last week to €1500 but Eves is €6,000 a month. I went into a coffee shop last week that only took card no cash but the tip jar on the counter was cash bless them. So both for us. T You have a limit on the amount you can spend on your debit card? Why would a bank do that as they make money in every transaction you put through it. Granted the EU has capped that amount to a tiny percentage but it is still a decent amount for banks. Yes and the only reason I’ve got is just that it’s France and it’s not a massive credit society like the UK. When I first moved here I paid €10,000 into the bank and fucked off with the family to eurodisney and couldn’t work out why my bank card didn’t work so on return I went to the bank to ask why only to be told that my ceiling was €300 a month. You get used to not being able to use your own money just like most shops closing for lunch. On the way back from holiday yesterday I had a text from my bank telling me I had €29 left this month on my card but I have €12,000 in that account. I can draw cash out but I just can’t pay with my card. T" Do they charge you for the bank account too? I have a Spanish one and they charge 100 euros a year just to have a debit card on it | |||
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"As somebody that runs an independent shop, credit cards will be the death of them" What’s the reason for this? I’m intrigued…. I had to make a pretty large transaction from a smaller shop the other week and wanted to CC it for the extra protection which I know you should really but they were really hesitant which was odd. Against my better judgement I went through with it but thought to myself I’m not sure I made the right decision there | |||
"Good question shag and for me I like both. Here in France we have a limit that we can use our debit cards monthly which is a pain in the arse but you get used to it so once I’ve reached my limit I use cash. My limit was raised last week to €1500 but Eves is €6,000 a month. I went into a coffee shop last week that only took card no cash but the tip jar on the counter was cash bless them. So both for us. T You have a limit on the amount you can spend on your debit card? Why would a bank do that as they make money in every transaction you put through it. Granted the EU has capped that amount to a tiny percentage but it is still a decent amount for banks. Yes and the only reason I’ve got is just that it’s France and it’s not a massive credit society like the UK. When I first moved here I paid €10,000 into the bank and fucked off with the family to eurodisney and couldn’t work out why my bank card didn’t work so on return I went to the bank to ask why only to be told that my ceiling was €300 a month. You get used to not being able to use your own money just like most shops closing for lunch. On the way back from holiday yesterday I had a text from my bank telling me I had €29 left this month on my card but I have €12,000 in that account. I can draw cash out but I just can’t pay with my card. T Do they charge you for the bank account too? I have a Spanish one and they charge 100 euros a year just to have a debit card on it " Most of the world charges fees for bank accounts. Free banking is generally an oddity unique to the UK. Hence why branches that had around 30 people a week using them closed - its just not financially viable to run a bricks and mortar site with that few people using it. Personal banking in the UK has always been heavily subsidised by mortgages, credit card, corporate and investment banking. It's cost heavy with lower profits than other sectors. Back the shopping question? For me it's debit card all the way. There's really no difference between cash and a debit card except not having to worry about having the right money on me at all times. | |||
"As somebody that runs an independent shop, credit cards will be the death of them What’s the reason for this? I’m intrigued…. I had to make a pretty large transaction from a smaller shop the other week and wanted to CC it for the extra protection which I know you should really but they were really hesitant which was odd. Against my better judgement I went through with it but thought to myself I’m not sure I made the right decision there " Section 75. Always use a credit card for any purchase over £100 if possible, even if its only an initial deposit. Much better if something goes tits up.  | |||
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"Good question shag and for me I like both. Here in France we have a limit that we can use our debit cards monthly which is a pain in the arse but you get used to it so once I’ve reached my limit I use cash. My limit was raised last week to €1500 but Eves is €6,000 a month. I went into a coffee shop last week that only took card no cash but the tip jar on the counter was cash bless them. So both for us. T You have a limit on the amount you can spend on your debit card? Why would a bank do that as they make money in every transaction you put through it. Granted the EU has capped that amount to a tiny percentage but it is still a decent amount for banks. Yes and the only reason I’ve got is just that it’s France and it’s not a massive credit society like the UK. When I first moved here I paid €10,000 into the bank and fucked off with the family to eurodisney and couldn’t work out why my bank card didn’t work so on return I went to the bank to ask why only to be told that my ceiling was €300 a month. You get used to not being able to use your own money just like most shops closing for lunch. On the way back from holiday yesterday I had a text from my bank telling me I had €29 left this month on my card but I have €12,000 in that account. I can draw cash out but I just can’t pay with my card. T Do they charge you for the bank account too? I have a Spanish one and they charge 100 euros a year just to have a debit card on it " Our banks charge yes and it’s about the same I think but here we still use chèques a lot and you can pay for some big ticket items with three chèques to spread the costs but if you bounce a chèque they take your account away and give you a basic kids type of account. T | |||
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"People often moan about banks but every time you use a card you and the retailer are paying them a percentage of the transaction. This is one of the reasons I prefer to use cash plus my preference for supporting independent shops." Banks charge businesses more for depositing cash. And insurance premiums are higher for cash heavy businesses to due to the higher risk. It also takes significantly longer for a business to manage cash over electronic payments in terms of everything from banking, till reconciliation, and safety. Swings. Roundabouts. | |||
"As somebody that runs an independent shop, credit cards will be the death of them What’s the reason for this? I’m intrigued…. I had to make a pretty large transaction from a smaller shop the other week and wanted to CC it for the extra protection which I know you should really but they were really hesitant which was odd. Against my better judgement I went through with it but thought to myself I’m not sure I made the right decision there Section 75. Always use a credit card for any purchase over £100 if possible, even if its only an initial deposit. Much better if something goes tits up. "I did say I know that I get better protection on larger purchases but at the time just went against my better judgement  | |||
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"Always use debit or credit cards for larger purchases. You have more come back,rights,claim times and indemnity claims can be made when something goes wrong. Use Cash, you don't have that protection." I don’t think there is much protection with a debit card as they fall outside the section 75. | |||
"Always use debit or credit cards for larger purchases. You have more come back,rights,claim times and indemnity claims can be made when something goes wrong. Use Cash, you don't have that protection. I don’t think there is much protection with a debit card as they fall outside the section 75. " You can do a Chargeback Claim with your bank, but you must contact the seller first with any issue. If they refuse to help or refund then you can go to your bank and start the process. Debit cards still have protection just not as much as a Credit Card | |||
"Always use debit or credit cards for larger purchases. You have more come back,rights,claim times and indemnity claims can be made when something goes wrong. Use Cash, you don't have that protection. I don’t think there is much protection with a debit card as they fall outside the section 75. " There is. You at least have the potential for a chargeback, which is impossible if paying cash. There's no paper trail with cash bar the potential for a paper receipt. Electronic transactions record the details of both the account being debited and credited, as well as being tine/date stamped. | |||
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"Always use debit or credit cards for larger purchases. You have more come back,rights,claim times and indemnity claims can be made when something goes wrong. Use Cash, you don't have that protection. I don’t think there is much protection with a debit card as they fall outside the section 75. There is. You at least have the potential for a chargeback, which is impossible if paying cash. There's no paper trail with cash bar the potential for a paper receipt. Electronic transactions record the details of both the account being debited and credited, as well as being tine/date stamped. " I get the trail being left should make traceability possible but I thought you don’t have any where near the actual protection should things go wrong as you do with a credit card. With the debit card a lot can depend on how sympathetic your bank is rather than you being protected in law with the credit card. I’m pretty sure you don’t have the same levels of protection with a debit card that you do with a credit card. *discliamer, I have no professional knowledge in this area*. | |||
"Always use debit or credit cards for larger purchases. You have more come back,rights,claim times and indemnity claims can be made when something goes wrong. Use Cash, you don't have that protection. I don’t think there is much protection with a debit card as they fall outside the section 75. There is. You at least have the potential for a chargeback, which is impossible if paying cash. There's no paper trail with cash bar the potential for a paper receipt. Electronic transactions record the details of both the account being debited and credited, as well as being tine/date stamped. I get the trail being left should make traceability possible but I thought you don’t have any where near the actual protection should things go wrong as you do with a credit card. With the debit card a lot can depend on how sympathetic your bank is rather than you being protected in law with the credit card. I’m pretty sure you don’t have the same levels of protection with a debit card that you do with a credit card. *discliamer, I have no professional knowledge in this area*. " You're correct. But it's a lot safer than cash. | |||
"Always use debit or credit cards for larger purchases. You have more come back,rights,claim times and indemnity claims can be made when something goes wrong. Use Cash, you don't have that protection. I don’t think there is much protection with a debit card as they fall outside the section 75. There is. You at least have the potential for a chargeback, which is impossible if paying cash. There's no paper trail with cash bar the potential for a paper receipt. Electronic transactions record the details of both the account being debited and credited, as well as being tine/date stamped. I get the trail being left should make traceability possible but I thought you don’t have any where near the actual protection should things go wrong as you do with a credit card. With the debit card a lot can depend on how sympathetic your bank is rather than you being protected in law with the credit card. I’m pretty sure you don’t have the same levels of protection with a debit card that you do with a credit card. *discliamer, I have no professional knowledge in this area*. " A bank has no right to refuse any chargeback claims made against a debit card if a customer wants to make one. They should process the claim regardless. It's not that hard a process to do start to finish. | |||
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"I prefer cash always " That is good | |||
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"Cash Cash Cash Unless online purchases " | |||
"Credit. Use someone else’s money. Use your own money to invest in investments and compound your cash at bank - and then just clear down the credit so you don’t pay interest. With credit you increase cash flow, improve time to value, beneficially insure your purchase, and profit. You can also add extra benefits like % cash back to further compounding net growth, and also deals like flexible timelines to pay back. Cash doesn’t actually exist as anything other than fiat, so it’s not like having gold or other commodities to spend therefore credit wins all round." That is good and yes, one should always use their own money too | |||
"People often moan about banks but every time you use a card you and the retailer are paying them a percentage of the transaction. This is one of the reasons I prefer to use cash plus my preference for supporting independent shops. Banks charge businesses more for depositing cash. And insurance premiums are higher for cash heavy businesses to due to the higher risk. It also takes significantly longer for a business to manage cash over electronic payments in terms of everything from banking, till reconciliation, and safety. Swings. Roundabouts. " A good friend works in the card industry which has many layers of charges and costs, all of which are passed on and he openly says people and businesses would be better off using cash. I have cards as sometimes they are needed and always ask the retailer what they would prefer. The answer is either cash or "we don't mind" but it's never card. | |||
"I tap my debit card. The only downside is you can't really see what you're spending until you get your statement, if it cash in your hand you can see it going. " exactly ditch the card stay in control | |||
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"I tap my debit card. The only downside is you can't really see what you're spending until you get your statement, if it cash in your hand you can see it going. " All you have to do is open your banking app on your phone. You don't need to wait for a statement. | |||
"I tap my debit card. The only downside is you can't really see what you're spending until you get your statement, if it cash in your hand you can see it going. All you have to do is open your banking app on your phone. You don't need to wait for a statement." Most of continental Europe use a healthy balance of both. | |||
"I was in Leipzig last summer and was amazed at the amount of places that were cash only. Here in Ireland everywhere takes card, even small country shops." on small purchases thats probably costing them a fortune, cash is king, i went in the local restaurant on the seafront the other day and ordered a coffee paid by card because i only popped out to move my vehicle and didn't bring cash which was in my room, when i went back to get another one he had put a sign up saying card payments over £10 | |||
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"Debit card mostly cash occasionally, don't have a credit card, use PayPal a lot. But may go back to using cash more, I had an old bank account in Belgium that they just recently closed and 4 months later I'm still waiting to get my money back after having to provide accounts to show money origin and checking for money laundering. Made me realise what if I was needing that money then banks have total control of if you can have your own money or not, same as whenever there is a run on a bank." exactly interest rates are crap buy a safe and keep yer money at home easily accessed | |||
"Credit. Use someone else’s money. Use your own money to invest in investments and compound your cash at bank - and then just clear down the credit so you don’t pay interest. With credit you increase cash flow, improve time to value, beneficially insure your purchase, and profit. You can also add extra benefits like % cash back to further compounding net growth, and also deals like flexible timelines to pay back. Cash doesn’t actually exist as anything other than fiat, so it’s not like having gold or other commodities to spend therefore credit wins all round." Couldn't agree with you more, its exactly what I do ,I'm often changing bank accounts to get free money for changing, takes a little time but worth it | |||
"I prefer cash always " Me to!  | |||
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"Debit card mostly cash occasionally, don't have a credit card, use PayPal a lot. But may go back to using cash more, I had an old bank account in Belgium that they just recently closed and 4 months later I'm still waiting to get my money back after having to provide accounts to show money origin and checking for money laundering. Made me realise what if I was needing that money then banks have total control of if you can have your own money or not, same as whenever there is a run on a bank.exactly interest rates are crap buy a safe and keep yer money at home easily accessed "I know someone who did that a decade ago. Just because their bank declined a card transaction that was down to them not having enough money in that specific account, and loads in a non connected savings account. They thought they were punishing the bank. Til a house fire happened. Money burns and insurance companies normally cap cash claims somewhere in the low hundreds. They lost their entire savings. | |||
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"Good question shag and for me I like both. Here in France we have a limit that we can use our debit cards monthly which is a pain in the arse but you get used to it so once I’ve reached my limit I use cash. My limit was raised last week to €1500 but Eves is €6,000 a month. I went into a coffee shop last week that only took card no cash but the tip jar on the counter was cash bless them. So both for us. T" Hi, ty, yes, it is a good question too, that is good that you also like to use both as well | |||
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"As somebody that runs an independent shop, credit cards will be the death of them" I always try to pay cash at small buisinesses | |||
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"As somebody that runs an independent shop, credit cards will be the death of them I always try to pay cash at small buisinesses" I have my own business. If I took cash it would be a major headache. I'd have to travel to either a bank or post office to pay it in, which means frequent trips or keeping it at home in the meantime. All my bills need paying, whether work or personal. They go out of my bank account so that needs quick and easy funding. Automated payments are also so much easier for accounting. I can think of a few businesses where cash would be more desirable. There's plenty popping up on high streets frequently....... | |||
"You cannot go overdrawn with cash. You cannot get yourself in debt with cash. For those on low or fixed income, cash makes budgeting possible using the envelope method." That's got nothing to do with the method of payment, you can budget using a card as well, including with your banking app. And you can still go to a cash machine and withdraw cash into your overdraft amount. | |||
"You cannot go overdrawn with cash. You cannot get yourself in debt with cash. For those on low or fixed income, cash makes budgeting possible using the envelope method. That's got nothing to do with the method of payment, you can budget using a card as well, including with your banking app. And you can still go to a cash machine and withdraw cash into your overdraft amount." You and I clearly move in different circles. Try having nice little white middle class views such as yours and living on benefits as some of my family and neighbours do. Tell you what, get a shovel for Christmas then you can dig a hole in the sand and bury your head in it. | |||
"Debit card mostly cash occasionally, don't have a credit card, use PayPal a lot. But may go back to using cash more, I had an old bank account in Belgium that they just recently closed and 4 months later I'm still waiting to get my money back after having to provide accounts to show money origin and checking for money laundering. Made me realise what if I was needing that money then banks have total control of if you can have your own money or not, same as whenever there is a run on a bank.exactly interest rates are crap buy a safe and keep yer money at home easily accessed
I know someone who did that a decade ago. Just because their bank declined a card transaction that was down to them not having enough money in that specific account, and loads in a non connected savings account.
They thought they were punishing the bank.
Til a house fire happened. Money burns and insurance companies normally cap cash claims somewhere in the low hundreds.
They lost their entire savings. "really omg...... Buy a safe thats fireproof | |||
"You cannot go overdrawn with cash. You cannot get yourself in debt with cash. For those on low or fixed income, cash makes budgeting possible using the envelope method. That's got nothing to do with the method of payment, you can budget using a card as well, including with your banking app. And you can still go to a cash machine and withdraw cash into your overdraft amount. You and I clearly move in different circles. Try having nice little white middle class views such as yours and living on benefits as some of my family and neighbours do. Tell you what, get a shovel for Christmas then you can dig a hole in the sand and bury your head in it." That's some massive assumptions there and you can stick that shovel somewhere else. I've struggled MASSIVELY financially for years, I'm in debt and I'm paying it off. You don't know anything about my background either and you just think I'm some sort of middle class wnkr who thinks everyone on benefits is thick and lazy when I've had to use food banks myself. I can budget just fine and saying you can't without having an envelope says more about your attitude to that sort of thing than mine. | |||
"You cannot go overdrawn with cash. You cannot get yourself in debt with cash. For those on low or fixed income, cash makes budgeting possible using the envelope method. That's got nothing to do with the method of payment, you can budget using a card as well, including with your banking app. And you can still go to a cash machine and withdraw cash into your overdraft amount." I don't have a banking app or telephone banking and my bank recently closed my branch in town i had to travel 30 miles each way  | |||
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"Oh and most bank accounts offer overdraft facilities at least with cash if you haven't got any you can't get into debt "You can still withdraw cash into your overdraft amount. If you don't have an overdraft then obviously it'd be the same with a debit card. | |||
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"Oh and most bank accounts offer overdraft facilities at least with cash if you haven't got any you can't get into debt
You can still withdraw cash into your overdraft amount. If you don't have an overdraft then obviously it'd be the same with a debit card."I'm a great believer in paying with cash I'm afraid in fact i go out of my way to use it, occasionally i have no choice mind | |||
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"As somebody that runs an independent shop, credit cards will be the death of them I always try to pay cash at small buisinesses I have my own business. If I took cash it would be a major headache. I'd have to travel to either a bank or post office to pay it in, which means frequent trips or keeping it at home in the meantime. All my bills need paying, whether work or personal. They go out of my bank account so that needs quick and easy funding. Automated payments are also so much easier for accounting. I can think of a few businesses where cash would be more desirable. There's plenty popping up on high streets frequently....... " I think a lot of people forget that business banking costs and getting change/coins costs. It's not as simple as saying card charges are small business killers. Admin is much easier on cashless systems. | |||
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"You cannot go overdrawn with cash. You cannot get yourself in debt with cash. For those on low or fixed income, cash makes budgeting possible using the envelope method. That's got nothing to do with the method of payment, you can budget using a card as well, including with your banking app. And you can still go to a cash machine and withdraw cash into your overdraft amount. You and I clearly move in different circles. Try having nice little white middle class views such as yours and living on benefits as some of my family and neighbours do. Tell you what, get a shovel for Christmas then you can dig a hole in the sand and bury your head in it." Wow. How rude are you. You give people on lower incomes a bad name. If you wish to disagree with the man's point of view try to be a tad respectful and then any responses will be respectful too. Or maybe just grow up and act your age. | |||
"I use both. I'm pretty good at controlling my spending however I do it so cards aren't a problem for me and I pay my credit card in full every month. I use cash because I want to keep physical currency in circulation " That is good you use both too and same here. I am also prettt good at controlling my spending | |||
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"To answer your question OP - I use credit card for almost everything because if there is an issue then I can claim straight back from the credit card company plus it is just easier to use the wallet stored in my phone. I always pay off my bill every month." That is good | |||
 which happened beginning of month and the texture of the notes are now more slidy if thats a word lucky it was only £5
But no i would go back to cash cause then i would not be overspending on things i cant really shouldnt be buying as that is tempting fate. | |||
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"I mainly use my debit card. I often have plans to withdraw cash and use that, but the plans last about a week. Can't stand the cash is king propaganda. Do what works for you. If using cash gives you a greater sense of control, great. If you use a credit card for protection and flexibility, great. If you use your bank card or phone because you cant be arsed to queue at a cash point, you go girl! " How does a credit card give you greater protection and flexibility exactly I've been fleeced by the banks then fleeced by people supposed to be giving me a service, never fealt more insecure than with a credit card, pay by cash don't be lazy | |||
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"Credit. Use someone else’s money. Use your own money to invest in investments and compound your cash at bank - and then just clear down the credit so you don’t pay interest. With credit you increase cash flow, improve time to value, beneficially insure your purchase, and profit. You can also add extra benefits like % cash back to further compounding net growth, and also deals like flexible timelines to pay back. Cash doesn’t actually exist as anything other than fiat, so it’s not like having gold or other commodities to spend therefore credit wins all round. Couldn't agree with you more, its exactly what I do ,I'm often changing bank accounts to get free money for changing, takes a little time but worth it " Credit doesn’t always make sense, like a new kitchen or bathroom without adding any more utility, manufactured furniture or car is going to depreciate very fast and leveraging credit on depreciating items is a really bad idea and it removes almost all negotiating power. | |||
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"I have se both. Credit cards for purchases over £100. That way you have some recourse should something go wrong with your purchase. Everything else is cash because I prefer it that way. After hearing of people having to leave their groceries in the trolley because the card networks were down, I think I’ll stick to cash." That is good you use both too, those are also good points and yes, sometimes the card networks can be down as well | |||
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"I mainly use my debit card. I often have plans to withdraw cash and use that, but the plans last about a week. Can't stand the cash is king propaganda. Do what works for you. If using cash gives you a greater sense of control, great. If you use a credit card for protection and flexibility, great. If you use your bank card or phone because you cant be arsed to queue at a cash point, you go girl! How does a credit card give you greater protection and flexibility exactly I've been fleeced by the banks then fleeced by people supposed to be giving me a service, never fealt more insecure than with a credit card, pay by cash don't be lazy "Card is so much better if you have problems with faulty goods etc. They are also great to provide an audit trail for claiming expenses from work, hotels, airfares etc. Some hotels demand a card when checking in, so bars, room service etc can be charged to card. I'm happy for anyone to check on how I use my money, I've got nothing to hide. Everything we earn, salaries, expenses, bonus etc is all documented. If you want to know what I spend, just ask I'm not important enough to hide anything. Some cards are brilliant when travelling like Starling and Monzo. American Express have been great when having problems working abroad, I lost my card and a man came to my work with a replacement within 48 hours. I only carry cash for tips and the odd drink etc. But each to their own. Tesco's probably know more about my spending habits than any government agency, how else can they make targeted savings for you. They will know if you have kids, your day to day health, holiday spending, diet, brand loyalty etc etc. I reckon supermarkets could tell me more about myself than I remember. I don't see where lazy comes into the equation. | |||
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"I would say it is that it is better, because with cash you are more in control of your spending and you get the idea of how much a thing costs. I would even say that your mentality over spending is different depending if you are doing the shopping with a credit card or cash, because you are just swiping with the card and t dooesnt give you a sense of the cost in the same way. What is your view about it and what do you use when doing the shopping. I mostly use cash, but only credit card with more expensive things. I like the feeling of the cash when you hold it and the coins too "Why are you more in control with cash? If anything you’re less in control - there’s more risk of being given short change, receiving counterfeit coins or notes, or losing your cash before or after purchase. It’s easy to keep track with card. Especially if you have an app the sends notifications to your device every time your purchase. I’d say the only benefit of cash is that it prevents you being tracked | |||
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"I mainly use my debit card. I often have plans to withdraw cash and use that, but the plans last about a week. Can't stand the cash is king propaganda. Do what works for you. If using cash gives you a greater sense of control, great. If you use a credit card for protection and flexibility, great. If you use your bank card or phone because you cant be arsed to queue at a cash point, you go girl! How does a credit card give you greater protection and flexibility exactly I've been fleeced by the banks then fleeced by people supposed to be giving me a service, never fealt more insecure than with a credit card, pay by cash don't be lazy
Card is so much better if you have problems with faulty goods etc.
They are also great to provide an audit trail for claiming expenses from work, hotels, airfares etc.
Some hotels demand a card when checking in, so bars, room service etc can be charged to card.
I'm happy for anyone to check on how I use my money, I've got nothing to hide.
Everything we earn, salaries, expenses, bonus etc is all documented. If you want to know what I spend, just ask I'm not important enough to hide anything.
Some cards are brilliant when travelling like Starling and Monzo.
American Express have been great when having problems working abroad, I lost my card and a man came to my work with a replacement within 48 hours.
I only carry cash for tips and the odd drink etc.
But each to their own.
Tesco's probably know more about my spending habits than any government agency, how else can they make targeted savings for you.
They will know if you have kids, your day to day health, holiday spending, diet, brand loyalty etc etc. I reckon supermarkets could tell me more about myself than I remember.
I don't see where lazy comes into the equation.
"YOU unfortunately are the person thats causing the problem, your paper trails and receipts oh and IF anything goes wrong IF, the problem is you are trackable so freedom doesn't exist for you, they know where you are at all times and it doesn't bother you because you haven't done anything wrong well neither have i but freedom for me is THEM not knowing where i am, cash is king. If i have a problem with something i take it back and they replace it i obviously keep the receipt even though i paid by cash, its a miracle i know and i never pay by card, phone, watch and don't have telephone banking, i have cash cos cash is king you can't spend more than you've got because you don't have it, you can keep track of what you are spending, cash is king. | |||
"I mainly use my debit card. I often have plans to withdraw cash and use that, but the plans last about a week. Can't stand the cash is king propaganda. Do what works for you. If using cash gives you a greater sense of control, great. If you use a credit card for protection and flexibility, great. If you use your bank card or phone because you cant be arsed to queue at a cash point, you go girl! How does a credit card give you greater protection and flexibility exactly I've been fleeced by the banks then fleeced by people supposed to be giving me a service, never fealt more insecure than with a credit card, pay by cash don't be lazy
Card is so much better if you have problems with faulty goods etc.
They are also great to provide an audit trail for claiming expenses from work, hotels, airfares etc.
Some hotels demand a card when checking in, so bars, room service etc can be charged to card.
I'm happy for anyone to check on how I use my money, I've got nothing to hide.
Everything we earn, salaries, expenses, bonus etc is all documented. If you want to know what I spend, just ask I'm not important enough to hide anything.
Some cards are brilliant when travelling like Starling and Monzo.
American Express have been great when having problems working abroad, I lost my card and a man came to my work with a replacement within 48 hours.
I only carry cash for tips and the odd drink etc.
But each to their own.
Tesco's probably know more about my spending habits than any government agency, how else can they make targeted savings for you.
They will know if you have kids, your day to day health, holiday spending, diet, brand loyalty etc etc. I reckon supermarkets could tell me more about myself than I remember.
I don't see where lazy comes into the equation.
YOU unfortunately are the person thats causing the problem, your paper trails and receipts oh and IF anything goes wrong IF, the problem is you are trackable so freedom doesn't exist for you, they know where you are at all times and it doesn't bother you because you haven't done anything wrong well neither have i but freedom for me is THEM not knowing where i am, cash is king. If i have a problem with something i take it back and they replace it i obviously keep the receipt even though i paid by cash, its a miracle i know and i never pay by card, phone, watch and don't have telephone banking, i have cash cos cash is king you can't spend more than you've got because you don't have it, you can keep track of what you are spending, cash is king. "Thanks for your sage advice but I'm happy for "THEM" to track me. BTW who exactly are "THEM"? As I'll keep a look over my shoulder when shopping. How do you get your salary paid, by cash? Well I'm off to spend some of my hard earned. Will go in one pub and pay by cash and the next by card and see if it makes any difference in the being tracked stakes. Can you check who is tracking me, are they different to who is tracking you? I'm just a normal person, are you someone special who needs to be tracked and checked during the day. Are you sure it's not just your carer who is checking on your spending, letting you have a few bob for sweeties from time to time. | |||
