Cash or Credit card??

I prefer cash to credit cards. Cash is so much less of a hassle. Credit cards are just keeping the cash in your pocket a little while longer.

I am soooo used to credit cards ... and I am not fond of carrying lots of cash around... i find it very convenient... Once a week though, I pay everything online to make sure when my bill arrives it is zero... I love to see my frequent user points go up.... maybe one day I could exchange them for a plasma Tv... (in 50 years lolz!)

I'm not carrying cash with me all the time. So i sometimes i used credit card, it's easy way of paying as long as you pay it on time and you not overspent. Sometims i used debit card too. Happy Myloting.

hi merctiu, Well with the economic development people have started to have more money in their pocket and when there is a girl with money, shpping is but natural. I do have 4 credit cards with me but i never shop with them as it is too much trouble going to bank and then pay them or deposit a check on the ATM of the bank soi prefer cash. Shopkeeper is much happier if you pay cash , so he doesnt have to pay commisiion to banks and i also have a check on how much i have spent and when u pay cash you always ask is it too costly or do i really need it?

Hello this is Siva ram from India shopping with the cash or with credit card are the same but if you have any offers fro the credit card company like gift vouchers and any cash back offers its only the best way to do the shopping with card,Thank you.

i pay goods in cash to spare me from worries later on. i don't want to worry about whether i have money to pay when the bills come. if paying cash, some of the small stores allow discounts rather than if u use credit cards.

Hello Marctiu, For me, I used to pay cash whenever I go shopping. But now I have a credit card and debit card. I normally will pay using my credit card or debit card. It is more convenience to pay using cards than cash as I don't need to carry too much cash to go out.

When shopping I usually use cash ,because credit is not timely repayment of interest will form.

in online shopping i use cash through gcash here in our country. or sometimes through bank deposit. but if i need to pay big amount then i normally pay it by bank deposit. or sometimes meet up. im so addicted to online shopping before though im glad coz it lessen now.

I pay in cash most of the time. I have no credit cards, just an ATM card where I can get cash. For bigger purchases, my husband has to buy them because he has the credit cards, and as you pointed out, it is not wise to bring large amounts of cash with you.

I prepare to shop and buy groceries with my credit card. For me its more convinient. You will not end up in debt if you know your limitations. I always check the total amount of my groceries before I decided to buy them all. I illiminate those that are not necessary if I know I exceeded to my budget. Credit card is not complicated at all and you will enjoy as well the rewards and promos they have. They also have tie up with different stores so if you need to purchase a big amount, ask for 0% interest installment plan.

HI marctiu,Shopping also is my hobby but I only use cash.coz I only bought my priority needs. I used only my credit card for emergency cases.Credit card is so tempting,we must know how to control in using it. Thanks and good day.

I totally agree with you marctiu, I also don't like to have debts with people. Therefore, I also prefer to use cash to spend on things I want to buy. In the oldies, chinese people always say ' By having a debt, you will not be rich' Therefore I don't and will not have a debt in my place. What ever I do, if I do not have the cash, I will not buy that thing until I have it in my hand.

well it depends if i am in a store that accepts credit card... coz there are other stores here in philippines that does not take credit card.. and they even sell cheaper ones.. so that's why for me??? well i dont have a credit card since i dont have a job as of the moment so right now... im using cash

we use cash. i have to agree with you that shopping is a hobby and credit is far too easy to get. why do you think so many people are drowning debt? its more of a 'i want it NOW' world than any time in the history of man.

Shopping has never been one of my hobbies. Don't get me wrong--I do like to buy things on occasion, but I'd much rather stay at home and curl up with a book I got from the library than go out and buy things I don't need because it's 'fun.' It's a much cheaper hobby than shopping! That aside, I do shop frequently for things I need, and I always make it a point to use my debit card when I pay. I'm enrolled in a program that gives me quadruple points for every dollar I spend. All I have to do is choose 'credit' when I swipe my card and sign for it instead of using my PIN. I use that card for just about everything I do--buying groceries, paying bills online, paying for my prenatal doctor visits--so the points add up really quickly. I just redeemed my points for a $40 cash credit to my bank account, so even though I pay a $25 annual fee for being enrolled in that program, it's earning me money.

Till date, i dont have a credit card since I feel that Credit cards always lead to debts since my friends who hold credit cards are finding it increasingly difficult to pay their bills. I generally have the feeling that if we spend using cash, we may feel the actual spendings we do and can spend according to that. For purchasing Costly items, I used Debit cards. I never want my Month's salary to be eaten up by Credit cards before it arrives in my account. Hence I prefer using Cash instead of Credit cards. Thanks for starting this discussion and have a great day. Happy Mylotting. Cheers:-)

If you are smart, then always a credit card will be better for you. The advantages are more than disadvantages if you know how to use a credit card. You can save atleast 10% on your monthly expenditure & that means on an average you can save $3000 a year! But if you don't know the complete techniques of using a CC & if you fail to make payments on time, then you had it, instead of savings, you can find a huge loss because of CC. I use a CC for all my shopping & for almost all the expenditures & there was a time period of 9 months where I didn't pay the bill & that too without any Interest! because I completely understood the concept of Balance transfer & I kept rotating the money from on card to another so that I didn't had to pay any interest Before using a CC, learn all the techniques & then use it wisely. Remember not to overspend because you have the balance & be in your limits so that you can make huge savings & benefits of CC. Happy Lotting

Hi Marctiu,If I am doing a big shopping,I prefer to use credit card for payment, I can get the points for my credit card and I no need to fork up cash at that point of time. It means I can dragged for another few weeks for the payment,wait til I received the credit card bill, only then I need to make the payment for my purchases. If I am shopping for small items with cost less than RM50, I prefer to pay by cash. I prefer not to carry so much cash when I am out for shopping. Credit card has made out life simple,just a small card and we can make any puchases as we like.

I use a debit card. I'm not fond of using credit cards because it's a liability and I don't carry cash because it's an eye catcher for thieves. Debit cards are more useful because I get to use my own money without carrying cash and it doesn't increase one's liability.