Do you prefer to pay with cash, digital payment or cards?

Question

Screenwriter · Accepted Answer

According to what I'm paying for.

If I'm giving money at the farmer's market, people there like cash. I also get a 3% discount at certain places if I pay in cash: The vendor doesn't have to pay the usage fee that goes along with credit cards.

Also, at some fairs, if you pay the vendor in cash, it gives them a break. Cash is not reported as income. This is a little flying below the IRS radar, but I get a deal and the seller gets a deal too.

The only REAL issues besides credit and digital payments being reported to the IRS and therefore being taxed, is the fact that credit and digital payments SEEM like they're NOT money. You don't FEEL them the same way you feel cash disappearing from your wallet.

If I have $100 in my wallet and at the end of the day I have $25, I know I've spent 75 because THE MONEY IS GONE.

It is easy to overspend using credit and digital payments.

And, OF COURSE, credit card companies know this fact. You don't realize how much you've spent until you get the readout. Of course you COULD save all you receipts and examine them at the end of your shopping day, or go online and look at your spending, but who does that the day they shop?

And during holidays, vacations or in general, it is easy to whip out a card to pay for something, and most folk do not check their credit card balances the day of or add up receipts. It takes more effort to check your spending when you use credit.

With cash, your empty wallet tells you when you've hit your limit. Too bad cards don't have whistling chips that tell you you've hit your daily limit.

Sirenboobzilla · Accepted Answer

I usually carry around d $100-$200 in cash just in case. However I prefer to pay debit/credit. If someone steals my purse, most they get is $200 and I can easily replace block and replace the cards via my banking apps. It's also for that reason my phone is rarely ever in my purse.

Lliam · Accepted Answer

My wife gets paid a lot in cash, so we use cash as much as possible. We prefer it because there is no record of the transactions, it saves the vendors money, and it continues to circulate in the community.

We have CostCo cash back cards that we use for gas and sometimes for things like groceries. My wife pays it off every month so that there are no interest payments.

I have a credit card with a 1% interest rate. I use it for on-line purchases and for the occasional large purchase. I have about a $5,000 balance on it right now but don't worry about it because of the low interest rate. I pay $200 to it automatically every month.

We never use our debit cards for purchases. Credit cards have fraud insurance, debit cards don't. It's not hard to swipe someone's debit card number and clean out their bank account.

Massageman · Accepted Answer

I "prefer" to pay with cash. Anything small, or at garage sales, or the local farmer's markets, I will pay with cash. When I pay with (our one) charge card, it's going to get paid off that month anyway, so we HAVE the cash on hand to pay it off- we just like the points we get for freebies. We have some gift cards- from the charge cards and as we have received as actual gifts- and that's fine too. And when I tip, 99% of the time, that is going to be a cash tip: I don't put tips on charge accounts.

ohsheeT · Answer

Cash. Is the only way for me  If I can't buy it with cash then I don't want it or I don't need it if I want something I'll pay cash for it that way I'm never in debt to anybody or anything

Anonymous · Answer

I would prefer cash. I don’t like the idea of a cashless society. It just means people can track you easier, slowly things are being taken from us as far as our privacy. I think a lot of younger generations think oh yes it’ll make things easier. Which it may but it’s not that simple. There’s more behind it as far as the gov’t being able to watch your every move. It’ll be easy for them to freeze your bank accounts if they need to. I like cash, especially when it comes to gas. I know it’s a few cents but it’s usually 10 cents cheaper to pay cash.

Purpleronnie · Answer

Given the choice I would always pay by card / Apple Pay , it’s just so much easier. I only want to carry a credit card and phone. Pretty much everything I buy is on credit card settling at the end of the month / credit period. Paying in cash seems really old these days but unfortunately still necessary at times.

EmmaMary · Answer

For very small purchases I use cash... Anything else I use my debit cards.

DrPepper12 · Answer

Digitally for ALMOST everything when I can make a reasonable CHOICE between my privacy concerns, convenience and other considerations.

That said, IDGAF if 100 million anons & illegals FLOOD usa roads, NO GOVT agency or quasi-private should have your travel data like that let alone you GIVE IT AWAY for convenience or coercion!

molonski2 · Answer

Certainly here in Thailand I like cash not the cards , although it's changing , but cash solidly remains king..
In Australia, I don't care , but it's just easier to card.
With cash ( Thailand ) I get a feel for the speed of using 10k Baht , and I track it this way.

slickrick6600 · Answer

Cash is the only way don’t know why it’s so frowned upon, in my small farming town credit cards are frowned upon and it takes 5 minutes to do a transaction when someone tries to use one lol

zagor · Answer

Credit card most of the time. I used to pay cash a lot but Covid kind of broke me of that habit as I would rather take my card and tap it as opposed to handling currency that has been handled many times.

I don't like taking my phone out more than needed so I haven't set up digital yet.

Surely · Answer

In the good ole days. At the start credit cards. Most places would give you a discount or skip charging sales taxes on cash purchases.
I have noticed that businesses are now charging a credit card fee on purchases.
I like to use cash when it could be beneficial to me.

ehatsham_hussain · Answer

I use cash as possible as.. Even digital payment is easy here. I use both methods equally

TheSpaceGnome · Answer

Cash and coins, because it will always work without the need for electricity. Currencies need to have physical forms for said currency to survive.

AviatorTom · Answer

I almost always pay with a credit card, whose balance I pay in full at the end of each month.

Julie4 · Answer

Contactless cards. But it seems that in China they just pay with their hand.

Anonymous · Answer

I was given a card to pay my utilities with. It was a gift from employer to all the workers. And it doesn't work. They only accept debt or cash. Guess it's the thought that counts.

dreamstar72 · Answer

95 percent of the time use a card and 4 percent of the time use digital payments, use cash very little.

LiamJHayden · Answer

Credit card for everything I can. Rewards, extra protection, free extended warranty. I never carry a balance and have never had an interest change.

Mangospacho · Answer

I use a personal check wherever I go. I make sure to go at the busiest time possible too so I can inconvenience the maximum number of people possible.

Static_In_The_Attic · Answer

Some say cash is king & I like to swipe with a credit card that earns rewards back. On the other side of things if I’m traveling & the place looks shady I pay with cash.

katiesmuff · Answer

Monthly payments digital, shopping either debit card or cash! We only use credit cards for very large purchases which we quickly pay off before interest is added.

NicholasRedone · Answer

There was a time I was a cash man. Then Covid came. Nowadays I just tap 💳 or insert 😋

Anetka99 · Answer

Definitely digital. Card in smartphone. I can't even remember when I paied by cash last time.

Iron_Man · Answer

Cash

jshm2 · Answer

I prefer to barter... Seriously, some places take only cash, others card. You often have little choice.

HungTexan · Answer

Depends on the situation. Normally credit card or debit card, but sometimes I get a better deal using cash.

12karen · Answer

Cash, when I pay with cards, I feel like the card is unlimited and it's not good for business

msc545 · Answer

Cards - easy to track and prove the payments.

Billlewis · Answer

Whichever one is necessary to buy her something.

NathanDavis · Answer

for convenience, phone...

LiamS95 · Answer

Credit card for both personal and business purchases as I get up to 3% cash back on my purchases.

Nikki1989 · Answer

Cards and most things are bought and paid for online.

Jennz6 · Answer

I get paid cash and I spend cash

Aphrodite2001 · Answer

Card easier to track your spending. Plus where I live they prefer you use card.

satinpetals · Answer

Typically cards but the others are useful at times

admles · Answer

Card or phone, I don't use cash. I keep a backup $50 in my wallet and it's been there over 5 years without being used

najekim · Answer

Depends on what is being purchased. Wouldn't really want to walk around with $1000 in my pocket to buy a computer or something.

Brady · Answer

Cash, I've nevr done digital payments n cash's safr than cards.

AmeerX · Answer

I am a cash person. I use digital too but not credit. It's either hard cash or debit cards.

thegreenyogi · Answer

I prefer to pay with cash. The old way.

Awantika03 · Answer

Card or digital

coxoabean · Answer

I prefer to pay with cash

strateguy632 · Answer

Cash less risk.

Account · Answer

Cash in smaller businesses, card in bigger ones.

DJB72 · Answer

Cash or card. Preferably cash.

artic73 · Answer

I prefer debit or credit cards but will use cash when I have it on me

exitseven · Answer

Cash, there is no paper trail.

iCuddleU · Answer

Cash only, unless I'm paying bills online.

Garud · Answer

digital payment

DryGermanGuy · Answer

„Nur Bares ist Wahres.“  - German proverb

Djaay · Answer

All the above or etc...

Talea · Answer

Card or digital. I never use cash.

Crazzyyworld · Answer

Before pandemic I used cash. Now card

trumpetplayerforlife · Answer

Card I almost never have cash on me anymore

petitedollbabee · Answer

Card.

Simslover92 · Answer

Card.

LadyBecks · Answer

Cash

jamesgoldman · Answer

Cash for business Cards for the everyday

Pete671 · Answer

cash in person or cc online,,,

Gabriella02 · Answer

Digital it’s cleaner then cash.

SmileyLady · Answer

Cards.

kaucky1 · Answer

How about paying with gold rubies or diamonds

Do you prefer to pay with cash, digital payment or cards?

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Do you prefer to pay with cash, digital payment or cards?

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