Zero2Cool
14 years ago
I was reading this article here  and started wondering, what's the difference between paying via Debit or Credit?

My initial thinking is paying by credit holds a lower transaction fee because my bank, Chase, has enrolled me in some plan that rewards me if I use it at credit, rather than debit.
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zombieslayer
14 years ago
Use credit. The cards are protected better. Just be sure to pay them off every month.

My wife and I use our credit cards for everything. We keep all receipts and pay them off every week online. Note I said week and not month. I'm pretty anal about that.

She gets free coffee, I get cash back.
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djcubez
14 years ago
I have a VISA Check Card. I can either go debit or pay as credit. It's pretty sweet.
musccy
14 years ago

Use credit. The cards are protected better. Just be sure to pay them off every month.

My wife and I use our credit cards for everything. We keep all receipts and pay them off every week online. Note I said week and not month. I'm pretty anal about that.

She gets free coffee, I get cash back.

"zombieslayer" wrote:



This.

I have a credit card with gas-based rewards (shamefully BP, but card expires in 2 months). If I pay it off every month, I get 5% rebate on every BP purchase, 2% rebate on most food/lodging expenditures, and 1% back on everything else. I literally get payed to use my credit card. I have about a $350 check waiting for me from the last 6 or so months to reclaim whenever I want it. Consequently, I virtually never use cash or my debit card.
djcubez
14 years ago

Use credit. The cards are protected better. Just be sure to pay them off every month.

My wife and I use our credit cards for everything. We keep all receipts and pay them off every week online. Note I said week and not month. I'm pretty anal about that.

She gets free coffee, I get cash back.

"musccy" wrote:



This.

I have a credit card with gas-based rewards (shamefully BP, but card expires in 2 months). If I pay it off every month, I get 5% rebate on every BP purchase, 2% rebate on most food/lodging expenditures, and 1% back on everything else. I literally get payed to use my credit card. I have about a $350 check waiting for me from the last 6 or so months to reclaim whenever I want it. Consequently, I virtually never use cash or my debit card.

"zombieslayer" wrote:



I gotta get into that. I just feel like I'll forget to pay it off. Not that I can't. I'll just forget lol.

Actually my friends and I have been doing this cabin trip over spring break every year. On our way up North last year we stopped by Cabelas and picked up some ammunition. My roommate decided to grab the Cabelas' credit card. Now, no more than a year later we've decided to go back up north. A few days ago he stopped by Cabelas to pick up ammunition. He got $50 worth of ammo free because of how many points he racked up on his Cabelas' card. Frickin' awesome.
Zero2Cool
14 years ago
I have a debit card, do not have a credit card. I don't think there's an establishment on this planet that will give me one either, lol.

Do not ever name your children a Jr!!! Because if you screw YOUR credit, you take your kid down with ya!


I've been using credit on my debit card.
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musccy
14 years ago

Use credit. The cards are protected better. Just be sure to pay them off every month.

My wife and I use our credit cards for everything. We keep all receipts and pay them off every week online. Note I said week and not month. I'm pretty anal about that.

She gets free coffee, I get cash back.

"djcubez" wrote:



This.

I have a credit card with gas-based rewards (shamefully BP, but card expires in 2 months). If I pay it off every month, I get 5% rebate on every BP purchase, 2% rebate on most food/lodging expenditures, and 1% back on everything else. I literally get payed to use my credit card. I have about a $350 check waiting for me from the last 6 or so months to reclaim whenever I want it. Consequently, I virtually never use cash or my debit card.

"musccy" wrote:



I gotta get into that. I just feel like I'll forget to pay it off. Not that I can't. I'll just forget lol.

Actually my friends and I have been doing this cabin trip over spring break every year. On our way up North last year we stopped by Cabelas and picked up some ammunition. My roommate decided to grab the Cabelas' credit card. Now, no more than a year later we've decided to go back up north. A few days ago he stopped by Cabelas to pick up ammunition. He got $50 worth of ammo free because of how many points he racked up on his Cabelas' card. Frickin' awesome.

"zombieslayer" wrote:



I'm not sure how retail credit cards work - if you just build up credit based on a purchase through their store or if it applies to ALL purchases. I think Discover and Bank of America give about 1% back for all purchases, and I know Marathon gas gives similar discounts as my BP card (becuase I looked into switching back in August) so look around and see how you can maximize your return.

My BP card is through Chase and they send me 10 day email reminders of when my bill is due, and I just pay it then, and like I said, I get 1, 2, or 5% kick back on EVERYTHING I buy (unless I purchase from another gas station). Pretty sweet deal!
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Zero2Cool (2-Apr) : The spotting of the ball IS the issue. Not the chain gang.
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Zero2Cool (1-Apr) : Touchbacks on kickoffs will now bring the ball to the 35-yard line.
beast (31-Mar) : It might of gotten more popular recently, but braiding hair (even men) in certain cultures goes back for centuries.
Martha Careful (30-Mar) : Is men braiding their hair a new style thing? Watching the NCAA men's tournament many players have done
Zero2Cool (29-Mar) : Ha. Well, it'd be nice for folks to reset their own password. Via validated email 😏
beast (29-Mar) : Monopoly was supposed to be an educational game, that show how evil capitalism was and how we should avoid it
beast (29-Mar) : Lol, I was thinking username would be better, as then I wouldn't have to keep an email up to date lol 😂
beast (29-Mar) : Zero2Cool (25-Mar) : I was thinking email because I think it'll make folks keep it up todate lol
wpr (29-Mar) : sure is
Zero2Cool (29-Mar) : Monopoly is a rip off of The Landlord's Game
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earthquake (27-Mar) : Which seemed strange to my 9 year old self, that you could be a fan for a team other than the one you play for
earthquake (27-Mar) : Nothing eventful happened, other than it being clear that he was a bengals fan
earthquake (27-Mar) : And we went and hung out with him one afternoon, I must have been 9 or so
earthquake (27-Mar) : That’s wild, when I was a kid my friend lived in the same apartment complex in De Pere
Mucky Tundra (27-Mar) : Only career highspot was a 200 yard rushing game while playing for the Cardinals
Mucky Tundra (27-Mar) : He is a former Packer. Drafted out of Northern Illinois. Didn't do much in GB.
dfosterf (26-Mar) : Despicable
Zero2Cool (26-Mar) : Former NFL. I think Packers too
Zero2Cool (26-Mar) : NFL RB Leshon Johnson has been charged in a massive dog fighting operation, with the FBI seizing over 190 Pit Bulls
Mucky Tundra (26-Mar) : Some real irony of a QB as short as Wilson playing for the Giants
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Mucky Tundra (26-Mar) : Russell Wilson signs with the Giants.
Zero2Cool (25-Mar) : I was thinking email because I think it'll make folks keep it up todate lol
wpr (25-Mar) : I don't think there is a significant difference. I use a user name for many. Others email.
Martha Careful (25-Mar) : email
Zero2Cool (25-Mar) : would it be better to use EMAIL or USERNAME to log into a site?
wpr (25-Mar) : Thanks Zero
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beast (24-Mar) : And the only time they have won the Championship in an even year, was the first time they did, in 2006.
beast (24-Mar) : Since 2007, there have been 10 odd numbered years, Wisconsin Women have won the Championship in 7 of those 10 odd numbered years.
buckeyepackfan (24-Mar) : Congratulations Lady Badger Hockey Team. NATIONAL CHAMPIONS!!
Zero2Cool (23-Mar) : I don't think it's completed yet. it was just announced last month, right?
dhazer (23-Mar) : did netflix ever release the Packers documentary
Zero2Cool (21-Mar) : And it is glorious!
beast (21-Mar) : Unsigned FA QB Rodgers is supposedly in the Steelers building
Martha Careful (19-Mar) : But I don't own a car! So can I still use it in my apartment?
Zero2Cool (19-Mar) : btw, new site auto updates
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