How often do you use credit cards while shopping?

Most of the time im using credit card while shopping as I no need to carry much money out and can pay the purchased item later. I can also collect points to redeem gifts.

I don't own a credit card, and I'm not planning to until I'm financially secure and responsible enough to own one. I agree, you should only use a credit card in an emergency [for example, your car breaks down and you have no cash or debit card on you, but need it towed and the engine fixed]. Otherwise you might use it for things you don't need, and you can easily fall into debt. I believe if you're going to own a credit card, either use it responsibly or only for emergencies. I personally would rather use cash, it's a ton simpler. Plus I budget better because I know when it runs out that I can't buy anymore, so I watch what I buy and the prices better. I would also be fine with using a debit card, as long as I had a place to count up my receipts.

Hi Acematthews, I always tell myself that in the end I still have to pay when the card statement comes. So I usually try to control my spending, and not buy things that I can't afford. Moreover, in using a credit card means that I don't have to carry too much cash around. Plus I get points which I can collect towards redeeming gifts or vouchers. So it all boils down to exercising some degree of discipline when using a credit card. As to fraud, I stand at the cashier counter when I can see the processing of payment. If the staff has to take my credit card to somewhere else for processing payment, I will follow them.

i think im one of the few people who doesn't have a credit card when i shop i use the money i need i go to a cash point take out a fixed account using a debit card. Because that way i cant spend money that i dont have and cant buy more than wat i need and it stops me getting into debt.

I don't have a credit card.it is alright with me.I know my shopping habits.I will spend too much on clothes,shoes,lingerie,and perfumes,beauty products.I shop in cash so I can curb my spending.I don't even bring my ATM.I would just buy the items I really need and the ones I think are very worth of my money.

I feel that credit cards are a trap. I try to always use cash. Whatever I buy, I want to own it "free and clear". Those are two of my favorite words. "free and clear". I want to live my life debt free and credit cards with that ridiculous interest just keep people in debt for years.

Rarely. I mean, I have a credit card, but I only use it in emergencies, or when I don't have enough money on me for some reason (which I usually do, so while this sounds bad, it really does not happen so often. I am not a big fan of credit cards in general, so I try to avoid them as much as possible.