Using Credit Cards for EVERYTHING?

[Anonymous]

I have read over and over again that some of you folks use a credit card instead of cash/debit for every thing you buy, including paying your bills with a credit card. I am learning SO MUCH about credit that I never knew.  What bills are you paying with a credit card? 

[MarineVietVet]

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@Anonymous wrote:

I have read over and over again that some of you folks use a credit card instead of cash/debit for every thing you buy, including paying your bills with a credit card. I am learning SO MUCH about credit that I never knew.  What bills are you paying with a credit card? 

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I have auto pay setup for my water, cable, XM radio, gas and DSL bills each month. I think that's all of the recurring expenses.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[pizzadude]

Pretty much everyone takes CCs these days, with the exception of some utlities.  I pay Gas Company, Sewer and Electric by bank account autodraft, but everything else goes thru a CC or Debit Card.

[llecs]

water, cable/phone/internet, power, ADT, car insurance, umbrella insurance policy, cell phones, and kiddos' school tuition. The only check I ever write is to the trash folks because they don't take debit/credit.

[Anonymous]

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@MarineVietVet wrote:

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@Anonymous wrote:

I have read over and over again that some of you folks use a credit card instead of cash/debit for every thing you buy, including paying your bills with a credit card. I am learning SO MUCH about credit that I never knew.  What bills are you paying with a credit card? 

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I have auto pay setup for my water, cable, XM radio, gas and DSL bills each month. I think that's all of the recurring expenses.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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Do you still use cash or debit for anything? 

[MarineVietVet]

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@Anonymous wrote:

 

Do you still use cash or debit for anything? 

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Not often but yes I use cash and my debit card from time to time.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

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@llecs wrote:
The only check I ever write is to the trash folks because they don't take debit/credit.

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I haven't written a check in a LONG---LONG time but, I do use debit for a lot of things that I guess I should start using a credit card for. 

[Anonymous]

Is there a "reason" for using credit sometimes and debit other times? 

[laz98]

we use plastic for everything.  we do use our debit card to pay things, but we use it like a credit card, no pin number.  so to me it's just another credit card.  the only thing i can't pay with a credit card is the exterminator that we have come once in a while, & i could probably ask them to take a credit card over the phone, i've just never bothered to ask.

[llecs]

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@Anonymous wrote:

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@llecs wrote:
The only check I ever write is to the trash folks because they don't take debit/credit.

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I haven't written a check in a LONG---LONG time but, I do use debit for a lot of things that I guess I should start using a credit card for. 

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There's nothing wrong with a debit card, IMO. I find a CC easier because I can never ever remember when these transactions occur. I don't want to be juggling balances on my checking acct too other than to stroke a e-check and pay the CC bill off. I also don't trust bank's billpay services. That's me I guess.

In terms of cash, I'd rather use cash for everyday purchases. I still use cash for gas, groceries, everyday purchases, meals out, etc. However, when I have cash in hand, my temptation is to spend it all. When I have $0 in my wallet, I tend to tighten my spending and I won't use my CCs because in my mind I'm broke, though I could easily hit the ATM for more.