When Use Credit or Debit Card?? (work, spend, dollar, Akron)

[TexasLawyer2000]

Originally Posted by mathjak107

Correct , the preferred does not have restaurants as a category anymore.

RoyaleWithCheese indicated he/she used the reserve... not the preferred.

[mathjak107]

Originally Posted by TexasLawyer2000

RoyaleWithCheese indicated he/she used the reserve... not the preferred.

I cant see the reserve category’s listed anymore so I assumed they were the same as the preferred were

[Nov3]

Debit- each and every time I don't have cash on hand.

Yes I can file a claim with my bank if a transaction was compromised. They have the liberty to draw out the 60 day investigation . Yet most times within three days I receive the funds back and they update .

Credit cards- prefer not to be hostage to their rules and convoluted computation schemes. They change the goal post so often. A debit doesn't. It's a pay at time of purchase.easy peasy.

[mathjak107]

Originally Posted by Nov3

Debit- each and every time I don't have cash on hand.

Yes I can file a claim with my bank if a transaction was compromised. They have the liberty to draw out the 60 day investigation . Yet most times within three days I receive the funds back and they update .

Credit cards- prefer not to be hostage to their rules and convoluted computation schemes. They change the goal post so often. A debit doesn't. It's a pay at time of purchase.easy peasy.

Huh ?

All I do is push pay on my credit cards …done …nothing else to do except spend my rewards or cash back .

Nothing is ever a problem with a debit card , well that is until its a problem…

[RoyaleWithCheese]

Originally Posted by mathjak107

I cant see the reserve category’s listed anymore so I assumed they were the same as the preferred were

I made that assumption as well. It is a shame to lose it, I am going through tons of points with that.

[RoyaleWithCheese]

I guess getting 3% points on dining then getting a another 1.5% when applying points using PYB (4.5% return) isnt going to be beatable with any other card.

[oneasterisk]

Like most I pay everything with a credit card, never with a debit. I've received so many rewards over time and never pay finance charges. Rewards are funded by those that carry balance and are charged finance fees.

Also if retailers are already pricing things with credit card use in mind, then there is no benefit for me not to use the credit card. I can't remember the last place I went to that had a discount for paying in cash.

[RoyaleWithCheese]

Originally Posted by oneasterisk

Also if retailers are already pricing things with credit card use in mind, then there is no benefit for me not to use the credit card. I can't remember the last place I went to that had a discount for paying in cash.

Yeah, if they believe that the credit card fees are already factored into the prices, then they are paying for my rewards.

[highlanderfil]

Originally Posted by oneasterisk

I can't remember the last place I went to that had a discount for paying in cash.

Certain small stores do, especially if you charge a small amount. But Amex is doing a lot to help small businesses in that regard.

Many gas stations, too. Good thing Costco and Sam's Club only accept credit cards and their gas is cheaper, on average, than the competitors'.

[k350]

I use my CC for all purchases, never use my debit card.