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Author Topic: Why would anyone pay CASH for anything?????????????? Back to Topics
wamps

Champion Author
Michigan

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Message Posted: Jan 22, 2007 11:02:50 AM

Get with the program and start saving with rebate's on a credit card.
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deant99
Champion Author Ontario

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Message Posted: Apr 14, 2014 8:42:15 PM

been using a debit card for years, now that I'm a geezer I don't pay bank fees anymore
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Sneakers55
Champion Author Houston

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Message Posted: Apr 14, 2014 8:31:17 PM

Picked up the debit card Friday the 11th of April.

The bank even extended the expiration date out in the future.
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Sneakers55
Champion Author Houston

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Message Posted: Apr 3, 2014 10:17:22 PM

Another comment about the debit card: I used it at a total of four places but three of them were locations of the same merchant. Turned out the one merchant was recently in the local news as having a data compromise. Once I knew the card compromised was my debit card and not my credit card. I have one of each at that particular bank, but it wasn't clear to me at first which one to watch, so I watched both of them.
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Sneakers55
Champion Author Houston

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Message Posted: Apr 3, 2014 5:38:54 PM

Latest story on the replacement debit card that my bank was going to send me: Many days, no replacement card. I was out running errands this afternoon in light mist, ending up with Chick-fil-A. I hadn't had Chick-fil-A because the nearest one to me was torn down, and I didn't feel like braving the mall crowd to go to the one in the nearest mall. The light mist was getting heavier, and I thought it was a good thing that I didn't go out to eat.

The bank had in their records that they mailed me the debit card long enough ago that I should have gotten it a while back. So, they decided this time they're going to send it to the bank and have me pick it up in person. I have something weird about my snail mail. Sometimes, I have missing mail (but I have a ton of it that seems to come through) and when I go on vacation they somehow fail to realize that I've filed a vacation hold.
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playtimeCLE
Champion Author Cleveland

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Message Posted: Mar 25, 2014 6:55:10 PM

Why would anyone ask such a question? Not everyone lives your life!
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BayleeBuggy
Champion Author Toronto

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Message Posted: Mar 25, 2014 2:50:16 PM

I'm a bit behind time, but I'm sorry to hear about olefin. Thanks for posting that here.

My newest good reason for paying cash is lineups at registers -- the last time I was in one very busy store they opened up an extra register for those of us paying cash. So I finished long before those ahead of me in the original line - yay!
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nichols
Champion Author Halifax

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Message Posted: Mar 25, 2014 9:20:26 AM

use both, depending on if the discount for cash is better then the card reward
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Sneakers55
Champion Author Houston

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Message Posted: Mar 24, 2014 12:56:10 AM

I have a credit card that generates a rebate every time you have charged $5000 on it. The first time you do it in a year, you get $50. The second time, you get $52.50. The third time, you get $55.00. The fourth time, you get $57.50. The fifth and subsequent time, you get $60. I just got $50 on that particular card.
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gas_phil
Champion Author Sacramento

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Message Posted: Mar 7, 2014 6:44:16 PM

Nothing wrong using a credit card unless some counselor said to stay away from all credit cards. Bottom line is we have to pay in full every month and not carry a balance. It doesn't matter how big or small the bill is - just cringe for a second and then hit the pay full amount button. The 1% to 5% cashback is just a silly game that people here enjoy playing along.

The Discover Card people noticed I haven't use their card in a long time since I jumped-ship to another brand/card that gives away lots of good stuff. They emailed me an extra/bonus $500 cashback offer if I return to use it for a certain minimum x amount each month from this April thru Sept (payout at the end of 6 months). So I clicked on it to sign up in the account/website.
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Toadman7
Champion Author Dallas

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Message Posted: Mar 7, 2014 2:57:07 PM

I haven't heard of a lot of people (credit card users) becoming wealthy while using credit or worshiping at the Temple of the FICO.

We use debit cards and cash for everything, have not used a credit card in a couple years.
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Sneakers55
Champion Author Houston

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Message Posted: Mar 7, 2014 2:18:46 PM

On Mar 5, 2014 5:01:06 PM, Deno wrote from Pittsburgh:

>Rebates? Small merchants can & do legally add up to 5% surcharges for card transactions.

Not in all states. Ten states (California, Florida, and Texas among them) do not allow surcharges for credit. Around here, they are allowed to do a discount for the store credit card or the store stored-value card.

>Someone pays, and small merchants were tired of paying for your perks.

Then again, some stores choose not to pass along the savings on the merchant fee (no merchant discount allowed on the store credit card in Texas) on to the customer.

>Actually, it's legal for any merchant, oil companies add 10-15 ¢/gal to cover your card
>purchase.

IMHO, merchants get a value for that swipe fee.
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Deno
Champion Author Pittsburgh

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Message Posted: Mar 5, 2014 6:01:06 PM

Rebates? Small merchants can & do legally add up to 5% surcharges for card transactions. Someone pays, and small merchants were tired of paying for your perks. Actually, it's legal for any merchant, oil companies add 10-15 ¢/gal to cover your card purchase. They don't eat the costs, we all do.
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gas_phil
Champion Author Sacramento

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Message Posted: Mar 5, 2014 4:44:54 PM

big news of the day is... Target's CIO quit...
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Sneakers55
Champion Author Houston

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Message Posted: Feb 27, 2014 12:15:08 AM

Got a robocall from one of my VISA cards. It reported that my card had been compromised and they wanted me to keep an eye on what is being purchased on it. (Nothing unusual.) They are going to send me a new card, and when I activate it the old card will be deactivated automatically. They stressed that I have Zero Liability no matter what.

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gas_phil
Champion Author Sacramento

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Message Posted: Feb 26, 2014 8:14:50 PM

the Discover card guys now advertise free FICO score with the account. So I logged in there to see and it was a very nice/good surprise!
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Sneakers55
Champion Author Houston

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Message Posted: Feb 24, 2014 12:47:46 PM

Spent a chunk on my American Express Blue Cash Preferred for January and February, had to pay my rent and then some on the card. My apartment management wanted a payment an amount in arrears in full and when I went into their system all I could pay was the amount they wanted and February's rent. Didn't have enough in my checking account to pay the amount they were due. I paid the amount due with my American Express card. Had enough charges for the amount to get $75.00 in rebates.
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Sneakers55
Champion Author Houston

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Message Posted: Feb 24, 2014 12:50:14 AM

I just got David Crosby's "Croz," his new 2014 project. I got it from amazon.com (I took the AutoRip option) so I can listen to it now and get the physical CD as a backup to the MP3 files. I used $5.91 of Chase Freedom VISA rewards points to partly pay for it. And I put the balance on the same card where I get a 1% rebate. I've had times on amazon.com where I only had to pay $0.01 with a credit card.



[Edited by: Sneakers55 at 2/24/2014 12:51:33 AM EST]
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Sneakers55
Champion Author Houston

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Message Posted: Feb 24, 2014 12:41:16 AM

I was out running around with my BFF and my BFF's Mom on a shopping expedition to the Texas City outlet mall yesterday. We were celebrating my BFF's spending 31 days without a drop to drink (it's up to 32 days now) and I said I'd buy her a pair of running shoes to celebrate that she's been sober for that long and to get back her former cheerleader body. Right now, she looks like she's pregnant. I needed to pay for my lunch and to gas up my Escape. Both times we stopped, I went digging through my wallet to figure out what card would get me the maximum rebate!

My BFF's Mom aborted the trip when she decided I was too tired to drive and we turned around and headed home. Thursday, we're going to try it again. My BFF has to go to the doctor in Galveston Thursday, so my BFF's mom is taking her. We'll go back by the Texas City outlet mall on the way home.


[Edited by: Sneakers55 at 2/24/2014 12:45:58 AM EST]
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Sneakers55
Champion Author Houston

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Message Posted: Feb 17, 2014 8:11:01 PM

If you haven't heard the news, OLEFIN passed away from a massive heart attack on Valentine's Day.

Wondering... is Betty (aka "Mrs. OLEFIN") is as much an extreme rebater as her late husband was?

More details are available in the "In Memoriam" section.
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Sneakers55
Champion Author Houston

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Message Posted: Feb 17, 2014 8:05:29 PM

On Feb 17, 2014 1:56:07 PM, jagunter1975 wrote:

>Using cash means no one tracks what you buy.

To a very limited extent. They can't tell you made a purchase of paper towels, orange juice, or highly needed clozapine.

On the other hand, there is a system that tracks purchases of clozapine. It has nothing to do with how you pay. It has everything to do with the fact that clozapine is such a desperate, last-resort drug (with such life-threatening side effects) that the FDA requires that patients who take it have to have regular and frequent blood tests.


[Edited by: Sneakers55 at 2/17/2014 8:10:15 PM EST]
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jagunter1975
All-Star Author Austin

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Message Posted: Feb 17, 2014 2:56:07 PM

Using cash means no one tracks what you buy.
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gasfrugal
Champion Author New York

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Message Posted: Feb 9, 2014 6:10:21 PM

Congratulations Sneakers.... and everything you said ....
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gas_phil
Champion Author Sacramento

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Message Posted: Feb 9, 2014 1:38:14 AM

my new/recent pet spa-shop takes cash only.
they probably had too many issues with other type of payments.
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olefin
Champion Author Arkansas

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Message Posted: Feb 8, 2014 10:14:15 AM

If below $25 at some places, it's only a swipe, no signature required.

Any don't forget "Double manufacturers warranty up to one year."

Back before CC days I always hated pocket change.

This year will be big for cash backs, 2 cruises & weeks rent for an ocean front home near Galveston for a family vacation. :)
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Sneakers55
Champion Author Houston

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Message Posted: Feb 7, 2014 6:53:47 PM

On Feb 7, 2014 5:42:58 PM, olefin wrote:

>Today got email from one of our credit card Banks saying:
>"It’s been 7 years and $4,397.24 in cash back rewards* since you opened your account."
>Had I not used that credit card and used CASH, I would have received ZERO dollars!
>Besides all the other great advantages of using credit cards.

Swipe and sign, that's it.

No possibility of getting counterfeit money.

No change. No counting out change. No waiting for the cashier to count out change. No nuisances associated with change.

>BTW, have never paid a penny in fees or interest charges to any credit card company.

I have an American Express Blue Cash Preferred card. Annual fee of $75. Rebates of $800 in 2012. Spent less in 2013, only $375 in rebates.
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olefin
Champion Author Arkansas

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Message Posted: Feb 7, 2014 6:42:58 PM

Today got email from one of our credit card Banks saying:
"It’s been 7 years and $4,397.24 in cash back rewards* since you opened your account."
Had I not used that credit card and used CASH, I would have received ZERO dollars!
Besides all the other great advantages of using credit cards.

BTW, have never paid a penny in fees or interest charges to any credit card company.

I don't have debt & never use cash.
Some people just don't get it.

We got our Discover cash back card in 1986.
Would love to see the total cash back amount received from it!
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Sneakers55
Champion Author Houston

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Message Posted: Feb 7, 2014 6:35:06 PM

On Feb 7, 2014 4:13:03 PM, Toadman7 wrote:

>If you pay cash for everything, you won't have debt.

If you pay cash for everything, you have no recourse should the goods or services prove unsatisfactory. Credit cards? If the goods or services are unsatisfactory, you can request a chargeback from your credit card company.

If you pay cash for everything, you pay face value unless you want to haggle over everything. Credit cards? Plenty of rebates!

>There wouldn't be any worries about filling for bankruptcy.

About half of people use credit cards properly and don't revolve. If you more than very rarely revolve, you shouldn't have credit cards. Last time I revolved, I messed up on paying the bill. Still got rebates that were considerably higher than the interest charged.

[Edited by: Sneakers55 at 2/7/2014 6:41:17 PM EST]
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Toadman7
Champion Author Dallas

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Message Posted: Feb 7, 2014 5:13:03 PM

If you pay cash for everything, you won't have debt. There wouldn't be any worries about filling for bankruptcy.

And the last time I checked, 100% of foreclosures occur to homes with a mortgage.
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Sneakers55
Champion Author Houston

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Message Posted: Feb 7, 2014 4:21:19 PM

On the topic of not paying cash, I got my first Discover Card bill with a free FICO score on it today.

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Sneakers55
Champion Author Houston

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Message Posted: Feb 7, 2014 3:18:42 PM

On Feb 7, 2014 11:12:50 AM, olefin quoted me, then wrote:

><< I have been in businesses where you could charge your tip, but the
>tipped employee was allowed to take cash out of the till to get their tip.<<

>We always add the tip to the credit card bill.

So do I, but I was kind of surprised when I gave a $2 tip on the credit card bill and the tipped employee just reached in and took $2 in cash out of the register. At least their bosses aren't asking them to partake in the merchant discount.

>Never remember any place since we been using cash reward credit
>cards (1986) that did not allow the tip added to the bill.

Don't remember anywhere where they didn't allow the tip to be added on to a charge, cash reward cards or not.

Not sure when I got my first cash rewards card, but I had one VERY early from CoreStates Bank (now part of Wells Fargo) when nobody else I was aware of paid a cash rebate on a credit card. Used to have all my old cancelled checks, but I decided to trash them as I was getting to the point where I had a bunch of irrelevant hoarded stuff. It was fun reading the old bills from the 1990s, but I don't miss the bad old days when long distance was a dime a minute on a wireline instead of "all you can eat" for $40 on a cell phone. My long distance bills back then looked like my cell phone bills do now, but then I'm paying for two smartphones and a tablet. I have a Discover Card that dates back to 1990. And that was the second Discover Card I had. The first one was soon after when Sears first brought out the Discover Card (in 1985) and as a result virtually nobody else took it lest business go to a competitor. Later on, when their market penetration increased, I got the Discover Card I have now.


[Edited by: Sneakers55 at 2/7/2014 3:19:34 PM EST]
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olefin
Champion Author Arkansas

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Message Posted: Feb 7, 2014 12:12:50 PM

<< I have been in businesses where you could charge your tip, but the tipped employee was allowed to take cash out of the till to get their tip.<<

We always add the tip to the credit card bill.
Never remember any place since we been using cash reward credit cards (1986) that did not allow the tip added to the bill.

So happen I recently went to our local Subway for their $5 foot long. But that day their credit card machine was not working. Had just returned from a trip to TX & forgotten had gave all my cash in my billfold except $2 to a family member. The nice young girl said no problem, she would pay for it. The next time we went by I paid her, plus another $5 bill. :)

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Sneakers55
Champion Author Houston

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Message Posted: Feb 7, 2014 6:48:51 AM

On Feb 6, 2014 5:54:18 PM, playtimeCLE wrote:

>Some people get paid in cash, so they buy in cash.

I had an aunt who worked for Kmart. They took in a lot of cash, so they paid in cash.

Tipped employees get a lot of their tips in cash, so I'd figure the would spend their tips in cash. I have been in businesses where you could charge your tip, but the tipped employee was allowed to take cash out of the till to get their tip.

I would expect that the number of people that get paid in cash would decline in this millennium.
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playtimeCLE
Champion Author Cleveland

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Message Posted: Feb 6, 2014 6:54:18 PM

Some people get paid in cash, so they buy in cash. Its simple really.
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Sneakers55
Champion Author Houston

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Message Posted: Feb 6, 2014 6:44:11 PM

Had a legal expense yesterday that had to be paid by cash or cashier's check. Didn't want to carry around that much cash, so I went to the bank and got a cashier's check.

And on the rebating scene:

Wells Fargo VISA (flat 1% on all purchases0 - got $25 cash back as a statement credit.

Lunch - got 5% rebate on delivery Chinese food with Discover Card.
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Sneakers55
Champion Author Houston

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Message Posted: Feb 2, 2014 12:54:08 AM

On Jan 17, 2014 1:40:24 AM, I wrote:

>Got an E-mail from Target. I'm apparently in the group that got their name,
>address, E-mail address, and phone number compromised.

Target decided that everyone who was in their customer database was potentially compromised. One of the business news channels I watch made a comment that a Target vendor was responsible for the compromise because they had a password compromised.

>I'm going to get a year of free credit monitoring out of it.

Already signed up for my free credit monitoring, as much good as that's going to do. FICO says that I have too many credit cards already, and I'm not going to buy a house.
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Sneakers55
Champion Author Houston

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Message Posted: Jan 28, 2014 2:27:17 AM

Extreme rebating on yesterday's purchases:
Lunch - 5% on Discover Card
Fuel - 5% on Chase Freedom VISA
Groceries - 6% on American Express Blue Cash Preferred
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Sneakers55
Champion Author Houston

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Message Posted: Jan 21, 2014 7:40:30 PM

Law enforcement in Texas is catching people with credit cards that have logos of Mexican banks and data that was cloned from cards used at Target. The first six digits of a credit card number indicate which financial institution issued the card, so they may be able to catch an inconsistency between the embossed card number and the number that is assigned to the bank if they're looking that hard.
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gasfrugal
Champion Author New York

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Message Posted: Jan 19, 2014 8:43:21 AM

> Two words you should remember: "ZERO LIABILITY."

Absolutely..... been there ... sure its an inconvenience... but only a minor one... safe and secure online!!!

Like I have posted before ... you don't need a CC to be hacked ...
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Sneakers55
Champion Author Houston

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Message Posted: Jan 19, 2014 5:38:25 AM

On Jan 18, 2014 12:28:18 AM, probedude2 wrote:

>One word: TARGET...

Two words you should remember: "ZERO LIABILITY."
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dinah8270
Champion Author Lansing

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Message Posted: Jan 18, 2014 6:07:44 PM

Well, I was remembering you because you're the one who told me about Honeybells a few yrs. ago & we just got our annual large box of them shipped up here --Mmm mm. Ordered of course on my Mastercard. (I now use the Speedway Mastercard and end up earning a free $200 gas card with my extra Speedy Rewards points about ev. 3 mo. or so.)

[Edited by: dinah8270 at 1/18/2014 6:07:00 PM EST]
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gasfrugal
Champion Author New York

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Message Posted: Jan 18, 2014 9:32:31 AM

Happy New Year Wamps ...
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probedude2
Champion Author Akron

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Message Posted: Jan 18, 2014 1:28:18 AM

One word: TARGET...
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wamps
Champion Author Michigan

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Message Posted: Jan 17, 2014 1:45:02 PM

Still here and thinking bout' ya'all, but not taking the time to post anything.
Here's my latest C-Card adventure, at the end of 2013 I signed up for the Capital one 1.5% on everything card and got a $100 bonus for signing up and charging $500.00 on it within the first 90 days. Well it was just before Christmas so I had met the $500 limit the first week. They took the $100 bonus plus another $10+ off of my first statement. So far I like the card, but what usually happens is after a while they change the way they pay the rebates or some other non-sense and I'll drop them like a hot potato.
I have the new card hooked to my E-bay account so I can get the 1.5% on my Florida Bonnet Creek stay this year, plus my 2% in e-bay bucks.

Thanks to all of you for thinking bout me

Wamps
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olefin
Champion Author Arkansas

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Message Posted: Jan 17, 2014 8:00:15 AM

<Probably saved enough money on credit card rebates that he doesn't have to worry about gas prices any more.<
LOL, good one!
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Sneakers55
Champion Author Houston

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Message Posted: Jan 17, 2014 2:44:09 AM

On Jan 16, 2014 11:24:22 AM, dinah8270 wrote:

>what happened to "w a m p s" ?

Probably saved enough money on credit card rebates that he doesn't have to worry about gas prices any more.
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Sneakers55
Champion Author Houston

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Message Posted: Jan 17, 2014 2:40:24 AM

Got an E-mail from Target. I'm apparently in the group that got their name, address, E-mail address, and phone number compromised. I'm going to get a year of free credit monitoring out of it.
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dinah8270
Champion Author Lansing

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Message Posted: Jan 16, 2014 12:24:22 PM

what happened to "w a m p s" ?
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gasfrugal
Champion Author New York

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Message Posted: Jan 12, 2014 10:01:39 AM

Yea, just read that one also on Neiman Marcus.
Read a computer situation that has nothing to do with credit, but the crazy state of Massachusetts put a guy in jail because Google sent an automatic invite to his former girlfriend that had a restraining order against him. The invite was automatic, he apparently did nothing to cause it to launch.
Apparently, according to the article, there is a blog dating back to 2011, complaining about Google and others doing this type of thing without the users awareness. There is an "implied consent" when one clicks they read the terms and conditions. The catch, however, is there seems to be no way to stop it, or delete people from the list they collected when you clicked ok to the Ts and Cs!!! Poor bast*d, having to go to jail because the state of Massachusetts considers this a violation of a restraining order!

I for one will no longer use GMAIL...


[Edited by: gasfrugal at 1/12/2014 10:01:38 AM EST]
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Sneakers55
Champion Author Houston

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Message Posted: Jan 11, 2014 6:28:12 PM

Just got a news story that Neiman Marcus was also hit by a data spill.
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olefin
Champion Author Arkansas

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Message Posted: Jan 11, 2014 5:45:57 PM

From what I read Target says that "the stolen information includes names, mailing addresses, phone numbers or e-mail addresses for up to 70 million individuals."

Most of the above information is already available on the internet.

No mention of taking the most important one, Social Security numbers!

I've been through two that were worse than Target's nightmare.

VA had a security breach a few years ago, millions of veterans private information was taken. Including Social Security numbers. VA gave us all free credit protection for a year. Same thing happen couple years ago at a medical supply firm that I use. Again received another free year of credit protection.

Years before both the above happen I requested my credit frozen at all three credit bureaus.

Stolen credit card numbers doesn't worry me.
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