Do you really put EVERYTHING on your credit cards?

Sheridan · ‎04-26-2015

I've seen posts about how people put ALL expenses on their credit cards and I'm wondering if this is normal or just personal preference. Is there a major advantage to doing it? I mean besides the rewards or bonuses?

revjamesl · ‎04-26-2015

I pay as many bills this way and then pay the balance in full each month. Why not capitalize on the rewards the credit cards give? It's pretty common with folks who are mature with money and want companies to pay to use their product.

Anonymous · ‎04-26-2015

@Sheridan wrote:
I've seen posts about how people put ALL expenses on their credit cards and I'm wondering if this is normal or just personal preference. Is there a major advantage to doing it? I mean besides the rewards or bonuses?

Yep. Absolutely everything... Well charge card too. As long as you always PIF then what does it matter if it's credit? Most of us are after perks/rewards. Also credit cards offer much better protections than cash or debit so that's a HUGE DEAL for me.

killer_queen229 · ‎04-26-2015

I charge when I dont have money on me at all or enough money on me. Otherwise I pay cash and pay my bills.

myjourney · ‎04-26-2015

Everything except that $1 I gave the homeless lady outside of Red Lobster the other day

Wish it could have been put on a card as well

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

Anonymous · ‎04-26-2015

Yes. Mine as well get the rewards. I have used all I get. Can't imagine going back to using debit again.

NRB525 · ‎04-26-2015

With 16 CC to keep busy, yes, each card is either carrying a BT offer, or used for at least one charge per month. Sometimes a BT card gets some charges, as lately there have been several specific offers from BofA, Citi, and Discover.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

VinnyVee · ‎04-26-2015

I too put everything I can on credit. Why not get money back for the money you're spending anyway? I just use credit like a debit card.

(started in the mid 500s on all 3, 11/13)
As of 5/22/15 EX: 698, EQ: 700, TU: 703
Barclay Rewards: $2750, Capital One Quicksilver one: $4300, Discover IT : $300, Amazon Visa: $100. Best Buy Credit Card: $3000, Kohl's Charge: $300, Express: $2600, Overstock $1650, Chase Freedom $4700, AMEX Everday $1500, Serta iComfort $4700, Walmart $1600, Target $300

Anonymous · ‎04-26-2015

@Anonymous wrote:
Yes. Mine as well get the rewards. I have used all I get. Can't imagine going back to using debit again.

I think I've used my debit card maybe twice in the 6 years I've had it lol. It feels unsafe, and no rewards is no fun

Anonymous · ‎04-26-2015

@Anonymous wrote:
Yes. Mine as well get the rewards. I have used all I get. Can't imagine going back to using debit again.

What is a debit card?