Would you rather?

I don't really like using credit card, i would rather choose debit card or prepaid card instead...The risk about credit card is that you must know your every transactions and then make sure to pay them later on..That's uncomfortable to me..

I don't have a credit card. But even if I did, I would prefer payment by cash. I'm used to it..and I don't like taking credit. With cash, I know exactly how much I have and can buy. But with credit, unless one is very diligent about keeping track of how much one is spending, one tends to go overboard. I might not...but it's too much of a headache for me to check my balance and if I have overdrawn it...or try to stick to my limits by keeping track of my spending each time. It's more practical for me to use cash whenever I can...and use the card only when necessary..for an item I really really need to get and I might not have cash at the moment or I'm travelling and the credit card is then easier to use.

Hi, sofabnnn. I would rather just use cash instead. Every time that I spend money from my debit card, the bank charges me $1.00 just for using my card and making a purchase. These dollars add up sooner or later so I will just use cash for the remainder of my orders.

If I am going shopping, I am using my card since carrying cash could be a problem sometimes but I make it a point not to go over my budget since it will be my problem if I will spend so much but I still keep a small amount of money with me since some establishments will not accept credit card. Credit card can be an advantage if we can use it wisely but if you do not know how to use it properly, better have cash then. I know so many people whose debt in credit card is more than what they can pay and it really gives them huge headache on how to pay for their bills

I would prefer to use cash for any transactions, be it buying groceries, clothing, books, etc. I will use my credit card only when I want to earn some points from my credit cards which can be used to offset my bills, even if I have cash with me. Credit cards can be useful, however, its use should not be abused. If I don't have enough cash to buy something, I won't resort to using credit cards. That's my principle. I'll wait until I have the cash, then I will make the purchase.

Using cash is much better. Using credit card, u need to pay bills every month which include interests if u didn't pay within a year. It is very hard to calculate how much u have spend when using credit card.

I don't really use my credit cards anymore, because I got into a bunch of debt on them. I haven't closed them though. I do prefer to use cash because it is easier to keep track of.

There advantages and disadvantages in using a cash and credit card.Let me start discussing first with the use of cash.When you use cash especially in a grocery store, you don't earn points unless you have the card of the store that you can use to generate points.Secondly,it is risky to bring cash nowadays, because there are many criminals that roaming around due to economic crisis.on the other hand, if you have credit card on hand,you get to manage your finances.you can use the money that your holding for other things or you can keep it for emergency purposes.another benefit that you get when you have credit card is that you get to earn points in every transactions that you make.and you can save those points and you can convert it for a gift certificate or to pay off your balances in the card,depending upon as well on the features of the card that is being offered regarding points.on the contrary,credit card will not be beneficial to us if we are not going to use to it correctly.what i am trying to say is,if we are not going to pay off our balances on or before the due date,it will lead our account to become delinquent.so let's be careful.let's be wise. If i were to choose, i will go with the use of credit card.with the current situation of our life today,it is really hard to manage our finances.we just to be wise and intelligent for us not to suffer in the end.happy mylotting

That's really a personal preference. No one else can tell you what to do because it's whatever you're most comfortable doing. I'll give you an example. My husband and I hate carrying cash. It seems like whenever I carry cash I end up losing bits of it because I'm very forgetful and I drop things easily without realizing it. I've never had a problem using my card, though, and I pay careful attention to how much money I'm spending even with a debit card, but I also don't have to worry about having enough money on-hand for the things that I need when I go because when I shop it's usually on the fly and not that I actually planned on going shopping. My grandmother, however, likes to stick to her budget and physically having money helps her do that, so when she goes shopping she takes money with her instead of using her cards. If she's not holding enough money to pay for all of her groceries, she puts some things back and does without until next shopping trip because it's easier for her to keep track that way. So, really, it comes down to whatever's easier for you. The only thing you have to really be careful with with a card is that you don't overspend because it's really easy to spend more than you thought you did.

you shouldn't have got one. from what i'm hearing, credit cards are just another way for you to be spending money unconsciously. pay with cash everytime and just leave the credit at home.

you shouldn't have got one. from what i'm hearing, credit cards are just another way for you to be spending money unconsciously. pay with cash everytime and just leave the credit at home.

If you just pay attention to it, using cash is much more practical than using a credit card specially if you have access to your cash too. While usin credit cards is easier but the thing is you pay an extra sum of money for the interest being charged with those cards. Why pay more for you just pay what it is due at the counter? Im talking about rendering cash instea.If the counter said you have to pay 100 then you pay that amount only.But if you preffer paying more for convenience then its still your choice. Its just nowadays being practical is much more preffered then wasting money .