use credit card or pay cash?

I don't have credit card but I can pay it on debit card. It is wise to pay in debit card because you can see how much you can afford & you can budget your savings. Be creative spender on those you need. Thanks happy mylotting!

I'd like to use credit card. Sometimes I want to reture back some stufe I don't like but lost the receit, they can return the money to my credit card derectly.

I always carry my credit card with me and prefer paying with a card. I know it is not advisable using credit card all the time as most of the time i end up spending more that i should. Because the card is with me i buy things in haste sometimes and repent later for excessive spending. whenever I get my credit card bill ,I take a resolution to keep the card at home but yet to be firm on my decision.

I go for CASH! Since I have no credit card yet and as of the moment, I have no plan of getting one, I still prefer to pay cash. The point is if you have a credit card you tend to shop more since you don't have to pay for them instantly. However as you shop more and more, you can't notice how much debt you need to pay until you received your bills from your credit card agency/bank. The good thing for cash is that as soon as you paid the items, then that's it,they're all yours, no worries about the bills :)

I usually use credit card when I went shopping. I don't like to bring too much cash in the wallet. It's convenient in paying by Credit card. I never let my credit card account out of control, so I didn't worry about how to pay my debts.

i usually pay in cash. I think I would spend too much money if i used credit card every time i'm buying something. I like to have cash with me so i know how much money i can spend.

I have been quite disciplined so far with my expenses.I almost always use cash or my debit card while shopping.That way I live eithin my means if I can say that.Of course I do use credit cards but very very rarely.I do not want to get into a credit cycle and be a ower to anyone!

I prefer paying in cash.I know my spending habits.having a credit card makes you think you have a lot of money,so you tend to spend and spend.I would rather discipline myself and use cash.with cash,when you don't have any amount in hand,you will see no reason to spend.I recently got a bonus,and while I am so tempted to shop,I will open a passbook account for my savings.I would like to save now so in the future,I have some money I can use for emergency needs.

i prefer to use cash but i really want to buy stuff online, but they only accept paypal so that a little bit sad. but i try to find a way, i dont really want a credit card right now, maybe when i really want soemthing online, i would apply for one.

Hi there..i don't have any credit card unless a debit card. but i never use it for shop or buying something. i prefer to pay cash. i think for some other people, credit card make them consumtive. i often heard someone isn't able to pay the bill because of her bad habit in using credit card.

same as you, i prefer to pay in cash. actually i have never used credit card before, partly because i think it's troublesome and partly because it is not necessary for me. having seen other friends' answers, i find most of us use debit cards. i agree with you, although i haven't used before. i believe using debit cards is better than using credit cards and more convenient than paying in cash.

I prefer use pay in cash to buy something. Because there is no other charge. If I use credit card I will pay for charge if my credit card is different.

I am just 17 and to get a credit card under my name i need to be 18 :/ So my next birthday i would surely like to use my credit card online like on ebay for major deals etc. Currently i have to pay in cash as there is no other option...

It is always good to pay in cash because why to pay extra taxes of the bank. We can utilize the money that we give for taxes to do some more shoppings...

So it depends even from goods i am buying as well!!So for normal buy i think cash is much comfortable and usable!!may be for some expenses as vacation or some products credit card can be better....

I pay with cash as well. Honestly, I don't have any credit cards at the moment. I've applied for one just for the sack of having one but I haven't heard back from the company yet. I rather pay by cash anyway. I agree it is easier to stay out of debt when you uses credit cards less frequently or even not at all.

I seldom use a credit card. I use a debit card for most of my purchases. With the debit I know exactly how much I can afford to spend.

Hi bwegirl! I prefer to use a debit card rather than credit card in shopping. When you use a debit card you will only use the money available for you to spend. I'm already paying a lot of bills so a credit card bill will just add up to my worries. Besides, if I need to buy something like a cellphone or appliances I can use my Savings Bank account. Credit card is just for emergency use. You should learn to control your self from overspending because if not you might end up unable to pay your debts.

Paying with cash is always the best to do. It's easier to because paying with cash you know how much you spent and you can keep count of it. From what I have heard of credit cards makes me not like them because it is not good to use credit cards your personal information can accidently be leaked which is not good. When you use cash it is way better and easier.

I always used DEBIT card for shopping but of course if there's a credit card offer i will not hesitate to use my credit card, if that can make me less a dime.hehehe. but anyway depends where and when to use credit cards,and when to used cash ..