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using credit card for everyday purchases

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Anonymous
Not applicable

using credit card for everyday purchases

Hey i am looking for some advice and everyone here has always been helpful so thought i would post my question. I have two credit cards right now, a Discover It that i have had about two years and an Amex Blue Cash Preferred that i have had less then a month. Do you guys prefer to use a debit card or cash for small purchases (like 5 bucks at a fast food restraunt), or do you use your credit cards for everything? i am tempted to use my credit cards for everything as i always pay my balance in full each month and thought even a little cash back is money in the bank, but just feel weird putting a hamburger on a credit card. just wanted some advice on what others do. thanks!

Message 1 of 47
46 REPLIES 46
Leadberry
Established Contributor

Re: using credit card for everyday purchases


@Anonymous wrote:

Hey i am looking for some advice and everyone here has always been helpful so thought i would post my question. I have two credit cards right now, a Discover It that i have had about two years and an Amex Blue Cash Preferred that i have had less then a month. Do you guys prefer to use a debit card or cash for small purchases (like 5 bucks at a fast food restraunt), or do you use your credit cards for everything? i am tempted to use my credit cards for everything as i always pay my balance in full each month and thought even a little cash back is money in the bank, but just feel weird putting a hamburger on a credit card. just wanted some advice on what others do. thanks!


It's 2013.  I use the CC's for everything and don't think anything of it.  Smiley Tongue

   
FICO Scores 800+
Message 2 of 47
HiLine
Blogger

Re: using credit card for everyday purchases

I always use my credit card for better fraud protection. Sometimes I do feel guilty about the higher swipe fee that vendors have to pay though... Robot Sad

Message 3 of 47
cashnocredit
Valued Contributor

Re: using credit card for everyday purchases

Sure. Use it everywhere you can.  Change gets lost and is messy. CCs take less time, I'm not against cash but don;t use it as muich anymore.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Message 4 of 47
enharu
Super Contributor

Re: using credit card for everyday purchases

just use ur CC for everything.

and set up automatic full payment at the end of every week.

That way, you are always in check with how much money you actually have vs. how much you had spent and what you still need to spend on.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 5 of 47
Anonymous
Not applicable

Re: using credit card for everyday purchases

I use my CCs for everything I can. No matter if it is a 2 dollar or 200 dollar purchase. It keeps me at ease knowing my debit card numbers are not being exposed; also, no matter how small the amount, it is adding to the rewards.

Message 6 of 47
09Lexie
Moderator Emerita

Re: using credit card for everyday purchases

Message 7 of 47
Open123
Super Contributor

Re: using credit card for everyday purchases

These days, credit cards.

 

I never use debit cards anymore. 

Message 8 of 47
ObeyJohnny12
Established Contributor

Re: using credit card for everyday purchases

I normally use cc for everyday purchases however I only use it if the purchase is 5 dollars and up, I feel weird using it to pay off a dollar soda or water bottle. i always carry at least 5 bucks for these types of situations.
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Message 9 of 47
asteroidblues86
Regular Contributor

Re: using credit card for everyday purchases


@ObeyJohnny12 wrote:
I normally use cc for everyday purchases however I only use it if the purchase is 5 dollars and up, I feel weird using it to pay off a dollar soda or water bottle. i always carry at least 5 bucks for these types of situations.

I do the exact same thing. CC for everyday purchases but cash for anything super cheap.

Message 10 of 47
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