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[Poll]
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How Do You Usually Pay For Purchases?
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| Cash |
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| Debit Card |
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| Credit Card |
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| Debit |
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| Other |
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Total Votes : 29
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(last vote on : 7/26/2008 11:48:19 PM)
(Poll will run till: -- )
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 7:21:53 PM
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Roberta_
Posts: 6917
Joined: 9/28/2007
From: East Bay Area
Status: offline
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quote:
ORIGINAL: rogasinger4Him
Cash whenever possible. I find I will spend less and think more about whether or not I really need the item if I'm spending my cash.
I agree!
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 9:22:14 PM
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humbleinspirit
Posts: 17908
Joined: 4/13/2005
From: Just Outside of Boston
Status: online
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As Dave Ramsey says, it hurts when you spend cash as you feel the pinch of parting with your cash instead. From personal experience, I believe it!
BTW, I do not want to derail my own thread, but how is it quicker to pay for purchases with a debit card? I have seen a commercial within the past few months that made it look like a bad thing if you actually paid cash instead of debit! Truth be told though, not only does it take longer for a debit transcation to process, but it does cost the merhant more also.
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 9:28:48 PM
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Roberta_
Posts: 6917
Joined: 9/28/2007
From: East Bay Area
Status: offline
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quote:
ORIGINAL: humbleinspirit
As Dave Ramsey says, it hurts when you spend cash as you feel the pinch of parting with your cash instead. From personal experience, I believe it!
BTW, I do not want to derail my own thread, but how is it quicker to pay for purchases with a debit card? I have seen a commercial within the past few months that made it look like a bad thing if you actually paid cash instead of debit! Truth be told though, not only does it take longer for a debit transaction to process, but it does cost the merchant more also.
When I was cashiering, I found that it was much faster for people to pay with cash than it was debit.
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 9:36:49 PM
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Miss Giggles
Posts: 4271
Joined: 4/18/2005
From: MI
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I spend just as much with cash as I do with debit. But I use a software program to do "virtual envelopes" and keep a budget.
Debit cards are quicker in certain places than cash because the receipt prints almost instantly. Esp at McDonalds or in the self checkout lines at the grocery store.
Some people hold up the line counting up a bunch of singles to pay but then those are the same people that don't have their checkbook ready, can't find their id, etc.
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 9:43:57 PM
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humbleinspirit
Posts: 17908
Joined: 4/13/2005
From: Just Outside of Boston
Status: online
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Stores actually ask for ID? This is one of the reasons why I do not use a debit card at all. (well most of the time anyway.)
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 9:46:12 PM
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humbleinspirit
Posts: 17908
Joined: 4/13/2005
From: Just Outside of Boston
Status: online
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Not around here I have not seen it at all. In fact I do not think that they even ask for ID for a credit card anymore either! 
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 9:46:25 PM
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Roberta_
Posts: 6917
Joined: 9/28/2007
From: East Bay Area
Status: offline
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A lot of customers just hand the check to the cashier and let her run it through the machine so that all they have to do is sign it.
quote:
Stores actually ask for ID?
They're supposed to, especially if it says to on the back on the card.
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 9:49:54 PM
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Miss Giggles
Posts: 4271
Joined: 4/18/2005
From: MI
Status: offline
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Most of the stores do that here with the checks but few people know about it and some won't let the register fill it out. (I've cashiered off and on)
You don't have to sign if its under 25.00 at most places.
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RE: How Do You Usually Pay For Purchases? - 7/12/2008 11:36:40 PM
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ta_mosquito
Posts: 11460
Joined: 3/31/2005
From: from MN, now in Ontario :D
Status: offline
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I don't like using cash because I have a hard time accounting for it. On the debit card or credit card, I at least get a statement (or online) showing me how much I spent. With cash, I have to remember or write it down (which I don't do), and I often forget where and how much I spent.
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Tricia
"There's a fine line between being open-minded and empty-headed." ~Michael Coren
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RE: How Do You Usually Pay For Purchases? - 7/14/2008 10:40:07 AM
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christsstar
Posts: 5090
Joined: 4/8/2005
Status: offline
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stores will ask for ID if the cashier actually swipes it and you're not processing it as a debit, but rather credit (PIN vs. signing).
I am nervous about using my debit card as a debit card because of stories of stolen identity that way. I much prefer to sign for my purchases. Then again, self check-outs don't have any sort of monitoring on who's using the credit card. I've been tempted to sign it as, "This card is stolen," to see if anyone catches it. But if they did, I don't want to deal with explaining it.
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RE: How Do You Usually Pay For Purchases? - 7/19/2008 3:12:41 PM
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humbleinspirit
Posts: 17908
Joined: 4/13/2005
From: Just Outside of Boston
Status: online
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quote:
ORIGINAL: christsstar
stores will ask for ID if the cashier actually swipes it and you're not processing it as a debit, but rather credit (PIN vs. signing).
They do not ask me up here at all, and I have used my credit card a lot!
quote:
I am nervous about using my debit card as a debit card because of stories of stolen identity that way. I much prefer to sign for my purchases. Then again, self check-outs don't have any sort of monitoring on who's using the credit card. I've been tempted to sign it as, "This card is stolen," to see if anyone catches it. But if they did, I don't want to deal with explaining it.
Yes, that is what worries me about using a debit card also.
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RE: How Do You Usually Pay For Purchases? - 7/21/2008 11:38:52 AM
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_MavericK_
Posts: 5035
Joined: 4/4/2007
From: Texas, wild and free
Status: offline
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at our store, we have to take an ID with checks, even if they wrote their DL# on the check. Its a hassle for everyone.
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Suddenly, I don't like Ike quite as much as I have in the past.
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RE: How Do You Usually Pay For Purchases? - 7/21/2008 11:41:13 AM
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Roberta_
Posts: 6917
Joined: 9/28/2007
From: East Bay Area
Status: offline
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See, I don't understand why showing an ID is a hassle. I've only found it to be a hassle if the customer fights it or doesn't have it on them.
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RE: How Do You Usually Pay For Purchases? - 7/21/2008 11:46:55 AM
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_MavericK_
Posts: 5035
Joined: 4/4/2007
From: Texas, wild and free
Status: offline
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where I live, they argue. They ALWAYS argue. Prolly cuz half of them are on probation.
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Suddenly, I don't like Ike quite as much as I have in the past.
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. 
Christine 
Mart, I thought that at least 90% of the customers argued about it. After working there, I realized that it's pretty even divided between two groups. 
