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using credit card for everyday purchases

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jacquelinemay9
New Contributor

Re: using credit card for everyday purchases

@distant Good info!

Message 31 of 47
distantarray
Established Contributor

Re: using credit card for everyday purchases


@jacquelinemay9 wrote:

Actually, before I found this site I used my debit card and cash for everything. Now I use CC for anything I can. A few smaller places prefer cash or debit so they don't have the swipe fee, so I respect that and pull out the debit. But everything else, CC. I think I've had the same $60 in my wallet for the last month. If I could find a way to pay my rent ($1400/mo) with a CC I absolutely would! Imagine the points I would accrue.... Smiley LOL


duplicate =)  

 

also there's the ice cream method to pay your rent but that's another story.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 32 of 47
jacquelinemay9
New Contributor

Re: using credit card for everyday purchases

Please elaborate! I rent from the owner of the condo, not a business or association if that makes any difference.

Message 33 of 47
distantarray
Established Contributor

Re: using credit card for everyday purchases

not allowed to discuss the ice cream flavors on this forum =) 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 34 of 47
jacquelinemay9
New Contributor

Re: using credit card for everyday purchases

Ohhhhh okay, I'll do a search. Thanks for the idea Smiley Happy

Message 35 of 47
distantarray
Established Contributor

Re: using credit card for everyday purchases

sorry couldn't help more some things are frowned upon on the forums =) tryin to keep the peace


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 36 of 47
cashnocredit
Valued Contributor

Re: using credit card for everyday purchases

Oh, there is one place I'd never use a CC or even a debit card,  Casinos.

 

Also bookies* and hookers* and my neighborhood cash only veggie stand.

 

Some things require cash.

 

*At least from what I've heard. I don't actually have first hand experience. I've led a deprived life.


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so my moniker is, well, rather out of date.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 37 of 47
dddewdrop
Valued Contributor

Re: using credit card for everyday purchases

    I use my debit card not my credit card because I am slowing gaining self discipline and am afraid I will be tempted not to PIF if I use my credit card too much. If you trust yourself to pay in full, then why not use the card if it will get you rewards? For me, for now, I used to be in a lot of debt and I just feel better paying cash or debit card.

Message 38 of 47
cashnocredit
Valued Contributor

Re: using credit card for everyday purchases


@dddewdrop wrote:

    I use my debit card not my credit card because I am slowing gaining self discipline and am afraid I will be tempted not to PIF if I use my credit card too much. If you trust yourself to pay in full, then why not use the card if it will get you rewards? For me, for now, I used to be in a lot of debt and I just feel better paying cash or debit card.


That sounds very smart. First know thyself.  Once you can handle it switch over to a CC but your caution is a good quality.


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 39 of 47
Open123
Super Contributor

Re: using credit card for everyday purchases


@distantarray wrote:

sorry couldn't help more some things are frowned upon on the forums =) tryin to keep the peace


In my view, I don't think anyone sees anything amiss or unethical about using this method to pay one's rent.  It's perfectly legitimate to gain rewards for one's self and bypass the 2.8% CC surcharge to pay rent.

 

PS - Now, the "pseudo" purchase is when it becomes something questionable, for some.

Message 40 of 47
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