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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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GasMiser718
Champion Author Detroit

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Message Posted: Dec 18, 2014 5:27:23 PM

Yeap
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BayleeBuggy
Champion Author Toronto

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Message Posted: Dec 18, 2014 3:51:00 PM

Sneakers, thanks for your reply a while ago. I didn't think it would be an easy direct formula, and sounds like none of it would apply around here.

According to local news, the TTC -- Toronto Transit Commission -- is going to start allowing people to use cards to pay for tickets and tokens. Since I of course have always paid using cash anyway, I didn't even realize tht everyone else has always had to.
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gas_phil
Champion Author Sacramento

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Message Posted: Dec 18, 2014 2:09:13 PM

I saw the Citibank double cashback commercial on tv last night. This looked quite interesting... like 1% flat on purchases and another 1% after paying (basically 2% for paying in full each month). I just pulled up my records (excel file) for the past 60 months and the overall/average cashback I have is 1.446% (includes the occasional/higher 5% special category, but with limited transactions). It's really just 1.241% average if I ignore the special/one-time $500 Discover bonus. So the new 2% idea looks very good... I just signed up on their website and some cards should be arriving in a few days:)
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wamps
Champion Author Michigan

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Message Posted: Dec 14, 2014 11:07:10 AM

It's been a while since I posted anything.

Here's a couple of credit card tips that only Old Wamps knows about.

Make a list of all your cards 3 digit security codes. Then, obliterate them from the cards. That way when you hand the card to a server, or whoever, to charge something they cannot see the security code.

The only time it's needed is when you are making an on-line or over the phone purchase. Also, I have found, in a phone purchase, if you ask them to submit the purchase without the code it will go thru.

Merry Christmas and Happy Rebate Charging
Wamps
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Sneakers55
Champion Author Houston

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Message Posted: Dec 4, 2014 5:05:30 PM

On Dec 4, 2014 2:27:39 PM, gas_phil wrote:

>I had to email my card company to send me some new cards
>(mag strip worn out lol).

You may get one with a chip, one of my banks is now issuing cards with chips. Other banks are saying the chips will be coming soon. Virtually all will have chips on their cards by December 2015. Guess they changed their mind on the subject after Target. Although Target was an early adopter of cards with chips, the first time around they used them for digital coupons.

I had a problem with a card once that I called the bank about. Seems the three-digit CVV2 code had rubbed off and I couldn't make phone orders with that card.
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Sneakers55
Champion Author Houston

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Message Posted: Dec 4, 2014 4:56:23 PM

Went out and bought two pairs of glasses today (one for computer/reading and another for TV watching/driving). It was expensive enough that I couldn't have bought them with the Double Cash card with the $1200 credit limit.

My optometrist said my left eye had improved since the last time I'd been in (it had been a while, don't know why I procrastinated because all it costs me is $20 and retired people have lots of free time).

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gas_phil
Champion Author Sacramento

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Message Posted: Dec 4, 2014 3:27:39 PM

I had to email my card company to send me some new cards (mag strip worn out lol).
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Sneakers55
Champion Author Houston

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Message Posted: Dec 4, 2014 10:54:23 AM

One of my credit cards sent out a notice that chip cards are now available now on request. Since one of my favorite Mexican restaurants has a chip reader, I figured that I'd get a card. Haven't got the card yet but it's going to the new house (as opposed to the apartment).

Most of the rest of the cards will be changing over in the next year.
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Sneakers55
Champion Author Houston

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Message Posted: Nov 23, 2014 11:15:56 PM

On Oct 15, 2014 9:30:05 AM, BayleeBuggy wrote:

>How much money do you need to put on a credit card in order to get
>a cash rebate of $100?

Depends on the credit card.

I've got a Citibank Double Cash Card that pays a 1% rebate on purchases, then pays another 1% rebate on payments. That works out to be slightly less than 2%. The only gotcha is it has a credit limit of $1200 so you can't have that much fun with it.

I've also got a American Express Blue Cash Preferred that pays a 6% rebate on the first $6000 of grocery store purchases, a 3% rebate for all purchases at gas stations and selected department stores, and 1% on everything else. It has a $75 annual fee, but you can get $360 in rebates at grocery stores.

The new house has a lot of cupboard space, which is one of the shortcomings in my apartment. The apartment does have a combination pantry and utility room.
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cltncguy
Champion Author Charlotte

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Message Posted: Nov 23, 2014 10:37:54 PM

Bookies and Drug Dealers are still pretty much on a cash basis
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Sneakers55
Champion Author Houston

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Message Posted: Nov 23, 2014 7:07:29 PM

On Oct 28, 2014 11:29:12 PM, I wrote;

>Scheduled to close on a house Thursday, November 6th. Lots of cash
>involved in that process. Wasn't able to use a credit card for anything.

Closed on the house November 6th. One big cashiers' check. And the bank apparently waived their $8 fee (at least they didn't charge it to my account, and I didn't give them any cash to pay it).

However, I was able to use a credit card to get my water turned on, my electricity turned on, and I'll be using one for U-verse when I get that turned on.
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Sneakers55
Champion Author Houston

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Message Posted: Nov 23, 2014 6:44:34 PM

On Nov 5, 2014 12:15:11 AM, pinbuster2005 wrote:

>With so many stores getting hacked lately paying with cash is the better way to go.

I'm not sure the stores agree. Too many expenses involved in handling cash.

And hacking is gong to get a lot harder. I got my third chip card a couple of months ago. I went out to have lunch and the merchant in question had a chip card reader. First time I had a merchant use the chip on the card for purchase authentication. I had an early Target VISA where they used the chip for coupons, and I had an American Express Blue Cash card with a chip they never used for anything that I could tell; it might be different if I traveled internationally. I even had card readers for both chips.

Cards with chips are going to be very prevalent by the end of 2015.

>If I get robbed sure I'll lose a few bucks

Or if you lose your wallet. I've lost a lot more money from losing a wallet than I have from losing a credit card.

>But if my card number gets compromised that could cause my identity to be
>stolen.

Nope.

There is very little data on a credit card magnetic stripe. Main thing is a 23-digit number (15-digit or 16-digit card number, 4-digit or 3-digit card verification value, 4-digit expiration date). It does have your name.

Virtually no chance of going from that 23-digit number and your name to any important data. Specifically, the Social Security Number (which everyone seems to use as a unique identifier). I was rather perturbed when I needed to get the results of a sleep study for my new doctor to look at. I went to my old doctor's office and gave them my name and my date of birth, and they printed out a copy of the sleep study results. My Social Security Number was all over the printouts. IMHO, they shouldn't be handing that out without a photo ID at least!

>I feel my identity is worth more than a couple of bucks.

You can't do anything with just a credit card number and your name other than run up charges. And it seems that the credit card companies pay extensive attention to where you're using your card. Just bought my first house a couple of weeks ago. Kept getting fraud alerts on my credit cards when I went out and bought painting stuff at Home Depot. I've got enough plastic that I was able to whip out another card and buy what I wanted. I soon learned to pay attention to my cell phone and the credit card company would text me to see if the charge was legitimate. I'd text them back that it was legitimate and swipe the card again.
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pinbuster2005
Champion Author New Hampshire

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Message Posted: Nov 5, 2014 1:15:11 AM

With so many stores getting hacked lately paying with cash is the better way to go. If I get robbed sure I'll lose a few bucks, But if my card number gets compromised that could cause my identity to be stolen. I feel my identity is worth more than a couple of bucks.
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BayleeBuggy
Champion Author Toronto

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Message Posted: Nov 4, 2014 4:33:35 PM

I went to a good quality craft show over the weekend -- the crafters only do two shows a year, and each one is payed separately. So yes, they all had nicely-lettered signs saying that they only accept cash. And no, some of the jewellery is not cheap!
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gas_phil
Champion Author Sacramento

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Message Posted: Nov 4, 2014 2:39:43 PM

I'm down to my last $20 bill in the pocket. Need to go to ATM later. I've been giving away hundreds in cash left and right. Giving as in giving (not as in buying things). Even the landscape guy (gardener) got a one month cash bonus/extra along with a regular/monthly check (I wrote Happy Thanksgiving on the envelope).
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Sneakers55
Champion Author Houston

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Message Posted: Nov 4, 2014 11:29:27 AM

Ordered a beef and broccoli a couple of days ago online. Forgot to key in my credit card number. Fortunately, I had a $20 to pay for it.
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cv
Champion Author Raleigh

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Message Posted: Oct 29, 2014 5:04:22 AM

Sooner or later cash gets involved.
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Sneakers55
Champion Author Houston

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Message Posted: Oct 29, 2014 12:29:12 AM

Scheduled to close on a house Thursday, November 6th. Lots of cash involved in that process. Wasn't able to use a credit card for anything.
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Tucsonhomes
Champion Author Tucson

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Message Posted: Oct 21, 2014 6:19:18 PM

Never had any cash anyway
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gas_phil
Champion Author Sacramento

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Message Posted: Oct 21, 2014 3:30:11 PM

I got my $500 Discover Card special reward already. lol I thought they said wait 6-8 weeks and it's only week ~3 now. Saw the extra $500 there when I paid the entire bill for this month. Fico score is 804 this month. It swings wildly between 790 and 842 for the last few months (don't care).
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gasfrugal
Champion Author New York

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Message Posted: Oct 15, 2014 4:23:37 PM

Sneakers, actually my CU provides one free set of 150 checks annually. I write so few checks that it takes me years to use one set ... as far as those retail stores go, I just don't want to deal with the statements and payments, I only shop them on their super sales. I just want to be done and if I have to use their card to get the sale price - so be it. I call them the "mark 'em up to mark 'em down stores" This way they can have a 40-50% off plus an addition 20~30% off if you use their card. Only a fool would believe they are saving 50~70%, so it is hard to calculate what their card really saved you. Just foolish to pay more for using cash.
I am sure I am in the minority, they make people use the card to get the sale price hoping they will run a balance that they can charge almost 22% annual interest on. Really a good deal for the store! Only a good deal for the consumer if you avoid the finance fee.
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BayleeBuggy
Champion Author Toronto

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Message Posted: Oct 15, 2014 2:06:17 PM

I realize that there cannot be an exact correlation between money charged and cash rebates, but there must be a way to get an approximate average. Someone who keeps good track should be able to compute an average over a year, or whatever period makes sense, and over a batch of card types.

gf, don't you have to pay for new books of cheques? I have known people who did that type of payment (using a CC but hen paying it off immediately), but it is a sign that they are losing it mentally and obsessing about money. Other people have the idea that they don't have enough on hand and go to their banks every day. Or even worse, they hide their cash and can never find it again. It has also happened that they accuse their caretakers of stealing money. I'm sure that is not your reason for doing the payments that way, but it did revive some unpleasant memories.
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gasfrugal
Champion Author New York

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Message Posted: Oct 15, 2014 12:29:45 PM

Just fyi ... two of my CC banks sent me new cards as a result of the recent breaches ... they advised me to watch my account, however, reminded me that I have ZERO Liability in the event that fraudulent purchases are made to the card...
As far as "how much" do you need to spend - well that's hard to calculate, why? Because some of the retailers use gimmicks to get you to use their card - like 20~30% all purchases when you use their card, which in my opinion have usury rates (20+%). The idea is not to accrue any interest - yet take advantage of the discount. To demonstrate how silly this can be - I use my card at one register - get my discount - on my way out the store I go to another register - write a check to pay for what I just bought. Yes, I write a paper check! Get the discount - pay no interest - pay no check fee ...
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BayleeBuggy
Champion Author Toronto

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Message Posted: Oct 15, 2014 10:30:05 AM

Sneakers, I do understand your reasoning, but it is different from mine. How much money do you need to put on a credit card in order to get a cash rebate of $100?

Canadian banks are very large, but are also solid. They avoided all of the real estate loan problems that plagued the US not that long ago. I don't know if that was entirely bank policy, or govt. regulations, but whichever way it happened it was much better for everyone here.
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Sneakers55
Champion Author Houston

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Message Posted: Oct 13, 2014 1:11:34 PM

On Oct 12, 2014 11:59:26 AM, BayleeBuggy wrote:

>The most frequent comment on the article is one I agree with big time -- WHY
>would anyone use a CC at the DQ anyway?

To get hundreds of dollars of gloriously tax-free rebates. I've heard Canadian banks are ripoffs, so you probably don't get rebates up there.

I had a pimply-faced kid comment that he was glad he didn't have to buy his lunch on a credit card. I didn't have the heart to tell him about the several hundred dollars of tax-free rebates I get on an annual basis.

>Cash is so much faster and safer!

Cash is faster with a kid who has trouble making proper change? Credit card networks in the US go through in about two seconds. On the other hand, we're getting chip and PIN and it takes ten seconds for the smart card to do a handshake with the reader.

And as to "safer," what part of "ZERO FRAUD LIABILITY" do you not understand?
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Service66
Champion Author Indianapolis

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Message Posted: Oct 13, 2014 11:11:15 AM


Given ID theft, info theft, Target, Home Depot, Chase bank, etc, etc, why wouldn't one carry cash?

The only real reason to use plastic is to repair bad or build nonexistent credit. Credit scores are used for a lot of things

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BayleeBuggy
Champion Author Toronto

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Message Posted: Oct 12, 2014 12:59:26 PM

I've just read a news report that people in 46 states in the US have had their credit cards hacked into by machines at Dairy Queens! The report is in a Toronto paper, so I won't bother linking it -- there must be more info from US sources. We do have DQ here, but apparently the theft wasn't a problem here.

The most frequent comment on the article is one I agree with big time -- WHY would anyone use a CC at the DQ anyway? Cash is so much faster and safer!
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gas_phil
Champion Author Sacramento

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Message Posted: Oct 3, 2014 6:54:03 PM

I just checked the Discover Card account/website and yaaaay it said "Cashback Bonus Awarded, $500, please allow 6-8 weeks...". This extra $500 cashback is in addition to the $350/whatever they already gave me. About 6+ or 7 months ago they noticed I quit using their card (because I jumped-ship to another rewards card that has lots of toys). So they emailed me a challenge to re-use their card for a minimum of $X amount each month, for 6 straight months. That was easy since I already do that anyways, took up their challenge and luckily made it. (I still use the other card for other places that don't do Discover and got another $185 in the same 6 months.)
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BayleeBuggy
Champion Author Toronto

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Message Posted: Sep 29, 2014 11:00:18 PM

I've never tried to guy anything big from craigslist, but have gotten some nice stuff, including things that were free. I've also sold a couple of things, and given away a few more. The only problem I've had was once a seller said that her dog was sick and she had to drop everything else. Of course I respected that, but after waiting a few days I got back in touch and she said that the had just finished selling the items to someone else. I did write her a nasty email, but no one was out any money.
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Sneakers55
Champion Author Houston

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Message Posted: Sep 28, 2014 11:08:17 PM

On Sep 18, 2014 10:08:59 AM, BayleeBuggy wrote:

>Most of the things I buy are not eligible for using CCs or getting rebates,
>since they are private sales or from farmers' markets or craigslist, etc.

IMHO, they should call Craigslist "Scamlist." My BFF's BF tried using it to find houses for sale by owner. Seems most of the listings were from entrepreneurs who were willing to sell you a list of houses for sale by owner for $199. He also tried to buy a used truck but found most of the listings were from dealers.
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Sneakers55
Champion Author Houston

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Message Posted: Sep 28, 2014 11:02:33 PM

Bought lunch for three with cash even though I could have gotten a $1.80 rebate for using a credit card. I wanted to thin out the amount of cash in my wallet.
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BayleeBuggy
Champion Author Toronto

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Message Posted: Sep 18, 2014 11:08:59 AM

Sneakers, my general rule is not to spend more to get more rebates; it's to spend less overall whenever possible. Most of the things I buy are not eligible for using CCs or getting rebates, since they are private sales or from farmers' markets or craigslist, etc.
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TheRealDeal78
Champion Author Bakersfield

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Message Posted: Sep 18, 2014 3:38:05 AM

I pay with my debit card. I usually don't carry more than $10 cash on me. I only have one credit card and I use it for emergencies only. It keeps me out of debt.

[Edited by: TheRealDeal78 at 9/18/2014 3:38:29 AM EST]
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Sneakers55
Champion Author Houston

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Message Posted: Sep 17, 2014 9:38:29 PM

In the "rebate getting department," I got a Citibank Double Cash MasterCard. You get a 1% rebate when you charge something, and you get a 1% rebate when you pay it off. It beats Quicksilver. However, Citibank only gave me a $1200 credit limit so I can't have too much fun with it.
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Sneakers55
Champion Author Houston

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Message Posted: Sep 12, 2014 1:26:23 AM

Can't buy a house with a credit card, so I'm going to use cash.

Then, I can get a home equity loan if I need cash.
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gasfrugal
Champion Author New York

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Message Posted: Sep 11, 2014 9:41:15 AM

I use my CCs as much as possible - but here is an example of where that makes no sense: One of our local Gas Stations:
$.98 a gallon addt'l for credit!!!
Personally I do not use that station - absurd!


[Edited by: gasfrugal at 9/11/2014 9:41:42 AM EST]
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Sneakers55
Champion Author Houston

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Message Posted: Sep 2, 2014 6:37:44 PM

Went to the Harris County Public Library today and bought a print card. It was 50¢ for the card and 10¢ per sheet printed. Would have done it at home but the person I was with wanted to do it at the library. The machine that spits out print cards takes dollar bills. Unfortunately, the smallest thing I had was a $20 but the library will make change.
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Sneakers55
Champion Author Houston

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Message Posted: Aug 26, 2014 3:08:25 PM

On Aug 26, 2014 7:19:32 AM, cltncguy wrote:

>So the govt. doesn't have a record of every purchase you make

Government records purchases of significant items no matter how you make them. The rest of the stuff would be rather boring. Why would the Government care if you purchase a pint of ice cream?

That said, you're not paranoid if everybody is really out to get you.
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BayleeBuggy
Champion Author Toronto

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Message Posted: Aug 26, 2014 2:14:53 PM

The funny thing about my plan to use a cheque is that when I got to the place I didn't have the right chequebook with me, so ended up paying cash. And the total was more than 10% cheaper than it would have been the other way.

Lots of farmers' markets around this time of year, so of course all the customers pay cash. I bet even someone who boasts of getting the best deals by credit would trade that perceived advantage to get the yummy summer fruits and veg!
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gas_phil
Champion Author Sacramento

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Message Posted: Aug 26, 2014 12:36:58 PM

Yeah. That's annoying but we can't stop our lives and move back into the forest or somewhere lol.
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cltncguy
Champion Author Charlotte

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Message Posted: Aug 26, 2014 8:19:32 AM

So the govt. doesn't have a record of every purchase you make
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ncclyde
Champion Author Charlotte

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Message Posted: Aug 26, 2014 5:16:37 AM

weekend before last I made a couple of small purchases, and used cash for them all. one of the vendors only takes cash, and one adds sales tax if you use a credit card. many of the other vendors have different prices, with the cash price being anywhere from 5-10% lower.

I use credit card for most purchases, but for most of the smaller ones, and some not-so-small, I prefer cash.
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gas_phil
Champion Author Sacramento

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Message Posted: Aug 25, 2014 3:26:47 PM

The other day in the news they said Discover gave away $1B in cashback last year.
Earlier I was on the Discover website paying this month's bill. Of course it hurts!!
But anyways I noticed they have a "Cashback in Action" link near at the top. It shows a big map and some latest cashback activities for the state that we click on. I clicked on CA state for fun and oh wow some lucky dude or a Miss Supershopper redeemed $12k cashback this month!! I randomly clicked on a few states and saw have some supershoppers in Indiana, Georgia and Illinois too lol.
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Sneakers55
Champion Author Houston

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Message Posted: Aug 25, 2014 12:16:43 AM

On Aug 7, 2014 8:07:52 AM, I wrote:

>Capital One's "Hassle-Free Rewards" lives up to its name. I have mine
>set up to take place automatically. I was monitoring my account ands
>found they do the auto-redemption right after the statement cycles.

I ran up some more spend and they auto-redeemed another $25.00, So, it's not necessarily right after the statement cycles.
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Sneakers55
Champion Author Houston

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Message Posted: Aug 11, 2014 11:29:11 AM

On Jul 29, 2014 10:38:55 AM, BayleeBuggy wrote:

>I took a lawnmower to get repaired, and the place has the policy
>of cash or cheque only. That's a bit of a surprise, since so many
>businesses refuse to take cheques.

Buc-ee's (a Texas convenience store chain famed for their scrupulously clean restrooms) would take checks up to very recently from Texans. Most counties aggressively prosecute the crime known in Texas Law as "theft by check." Guess the ones that don't ruined things for the check-writing population. Buc-ee's, fortunately, accepts cash, credit cards, and debit cards. So you're not going to starve or go without gas.

>I think I will write one, since I haven't done that in so long!

My BFF and her BF have been helping me sort through my apartment. We found a batch of checks from a closed account from two apartments ago.
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BayleeBuggy
Champion Author Toronto

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Message Posted: Aug 10, 2014 6:42:25 PM

We now have a farmers' market nearby, and of course they all deal only in cash. And now I'm full of fresh local veggies -- great!
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Sneakers55
Champion Author Houston

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Message Posted: Aug 7, 2014 9:07:52 AM

Capital One's "Hassle-Free Rewards" lives up to its name. I have mine set up to take place automatically. I was monitoring my account and found they do the auto-redemption right after the statement cycles.

I got my first $100 in rebates to go with my $25 minimum payment. I'll be paying more next month as they have my cable TV and electric bills and I don't want to get to revolving them...
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Sneakers55
Champion Author Houston

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Message Posted: Aug 6, 2014 11:52:19 PM

American Express has an offer where you can register your card, then you get $10 off for a cell phone bill of $75 or more. Not only that, the code is good for three uses so you can get a total of $30 in rebates.
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Sneakers55
Champion Author Houston

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Message Posted: Aug 6, 2014 9:25:44 PM

I went into amazon.com and deleted all my expired credit cards and all of them except my Chase FREEDOM VISA (pay with points) and my Discover Card (pay with points).

Then, I added my Capital One QUICKSILVER VISA.
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Sneakers55
Champion Author Houston

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Message Posted: Aug 6, 2014 8:58:23 PM

I need to make an appointment with my pdoc (she sees me every three months, and it turned out she had a commitment for the week I was scheduled at my last appointment - I was driving when they called me, and I said I'd rather be somewhere I could write down the date and time).

I got a 90-day supply of my generic Depakote ER (which looks just like the branded Depakote ER because it's an authorized generic produced by Abbott), my generic Geodon, and my generic Zoloft today. My 90-day supply of trazodone got shipped a couple of days ago.

I currently have my pharma expenses charged to my American Express. I'm going in and changing it to my Capital One QUICKSILVER VISA.
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BayleeBuggy
Champion Author Toronto

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Message Posted: Jul 29, 2014 11:38:55 AM

I took a lawnmower to get repaired, and the place has the policy of cash or cheque only. That's a bit of a surprise, since so many businesses refuse to take cheques. I think I will write one, since I haven't done that in so long!
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