sarmaleDo you pay with cash or card?
Until the pandemic I used to be strictly cash only. Sadly the pandemic has shifted my habits quite a bit :/
Cash I don’t know why
Pandantic [they/them]What is your post’s body saying?
I asked if you sometime pay in some way because of something.
Sorry english is not my first language?
Edited the post
Thanks, I just didn’t understand! I pay at big cooperate stores with card, but when I’m shopping local or small, I bring cash because I know they are hurt more by credit card charges.
Evkob (they/them)I think they’re asking “If you use one only for specific circumstances, what are those circumstances?”
Yes, that. Edited it now to be more understandable
It's Maddie!I almost never use cash
WildlyCanadianExclusively card. Any cash I get is saved. Which is nice because I make a decent amount in cash tips at my job so I’ve got some decent savings from it
rzlaticcard almost exclusively.
local bakery or similar small shops doesnt work with cards and only do cash, so sometimes i have to work that way, but otherwise its card only.
I almost never have cash on me. It’s debit or credit always. Here’s my thought process on paying with cash. If I buy something that costs, say $4.55, and I hand over a $5 dollar bill, that item has really just cost me $5.00 because what am I realistically going to do with the 45 cents in change?
SeathruI put my change in a jar when I empty my pockets. About once a year I’ll take it by the bank and treat myself with the couple hundred dollars it cashes out to.
Are you just throwing yours away?
JWBananasAll of the sub-$1 coins that I have ever received as change in my lifetime would not add up to $100. But I also don’t use (or even carry) cash unless I absolutely must.
I’ve had like ~70 cents sitting on the shelf for over a year… like, what an I going to do with it? It’s just a pointless pile of coins. half the time those coins are in the wrong combination to pay for whatever other change in my next cash transaction, so I just end up with more coins…
I’ve got a jar too, but it definitely doesn’t fill up at anywhere near the rate yours does. My pay is direct deposited and every place I shop will take a card. I could either go to the ATM to get cash, use it to pay for things when I don’t have to, collect these small amounts of change, and take it all back to the bank eventually, or I could just not bother with any of these things.
Back in the day you take that .45 cents and throw it in a big old empty pickle jar with the rest of your loose change.
the problem is now the you just have a big pickle jar with 45 cents. Next year, I’ll have a pickle jar with 60 cents… maybe by the time I retire I’ll have a whole dollar of change…
Sure. At the current rate. But it’s likely that if you use cash more often then your pickle jar fills up sooner.
The amount of cash I use is only decreasing with every year.
PreciousDeclarationI rarely use cash, so the majority of all my purchases are made with a credit card.
Link.wav [he/him]Card, almost always. I rarely have cash on me.
The only exception is when I go to an event with lots of vendors. Then I take cash with me because I’m less tempted to spend more than I had planned.
Card. Gotta get that cash back.
Shady_ShiroeIn the US, I mainly use card at stores, but I like buying things from FB marketplace and tend to use cash unless seller doesn’t want to use cash.
tallwookiedepends on what I’m buying
Brazil
PIX
Norway.
The only ones using cash here are the elderly, immigrant workers and contractors that skip VAT. Been like that a long time. A restaurant chain here stopped accepting cash (illegal), and there was barely some buzz in the media. Buzz so brief I don't know how it ended.
breadsmasherI use gold doubloons
WeAreAllOneNice try WEF !
QuerellerCash, because I try to keep at least some privacy.
I guess I’ll be the oddball that pays mostly in cash. Mostly because I’m self employed and taking cash to the bank across town is one more errand to run. So I’ll pay with cash in person until it’s gone and then switch to card. Also saves the 3-4% card markup a lot of places charge here. I’m in the US.
Cash. feels better + Banks cant track me
dan1101Banks also seem willing to share their data with government agencies.
oaklynI haven’t seen cash for many months now. I make my every transaction with upi online/offline. It’s just in india. 😪😪
Card for anything that could possibly be issue later on so I have protection. Cash for local businesses and my favorite chicken place that doesn’t take cards.
Credit card for the rewards, paid monthly. Keep cash for tipping and small stuff.
ares35cash. i don't buy much because i can't afford to, and what i do is purchased in a real store.
not even well fargo or boa would make a fake account using my data.
card for everything pretty much except drugs and tipping
Cash for small every day things. Otherwise some card for logging my budget. When I draw cash I log it to “everyday things”.
Germany
US: Credit card only, almost exclusively using Apple Pay. If I somehow obtain cash, I deposit it so that I can spend it using a card instead and earn the rewards. I actively use about half a dozen cards, choosing the right one for each transaction to maximize rewards.
While its solid you’re into the efficiency of it all, as an outsider it seems like an added headache to remember which card would be best for which outlet / type of transaction. I personally just maintain a few cards and only switch once I’ve reached about 50-60% the limit.
N-E-NCanada, rarely pay with anything but CC. The Wealthsimple Cash card has been great too
Card almost exclusively, but I keep small amounts of cash on hand just in case. Usually end up using it at farmer’s market or maker mart type situations.
Almost everyone uses their card or phone here in Sweden. A lot of places stopped accepting cash.
berkeleyblueSwitzerland.
Apple Pay for almost everything with very very few exceptions. I have stopped going to places that don’t take cards at some point (with a few very pimited exceptions). Cash is just not convenient and totally unnecessary these days. And accepting cards is easier than ever.
Do people still carry cash these days? Maybe if I was going to a garage sale or some private transaction… but even for those it’s more convenient to do an e-transfer.
Some businesses don’t even have cash registers any more, just a card reader.
ManosTheHandsOfFateI sometimes carry cash. I’ll say one thing, paying with cash makes it easier to avoid the tipping creep problem we’re seeing at businesses that have traditionally not had tipping.
I live in the US and 95% of the time I use credit cards; I carry very little cash for tipping and quick purchases. I have about 3 cash back cards that I rotate depending on what I’m purchasing and pay them off every month. The points I earn I’ll use for traveling. I never use my debit card except for when I go to the bank
Card whenever possible. Faster and more secure in almost every aspect.
Germany
Could be a Berlin thing, but I found it so weird when I was there in early 2020 that most places didn’t accept card.
I can’t even remember the last time I had cash in my wallet
FleppensteynWhen in the Netherlands, I once had to apply for government benefits. They had to scrutinize all my bank transactions for a full year in the process. I’ve heard they need it for 5 years now. I started using ATMs more, saving up cash, in case I need to go through such a process again.
I do use card almost always now since it’s touchless but I’m not willing to give up cash.
I usually carry around $30 with my cards, if I'm budgeting it can help make there be a limit as to what I can buy without having to rationalize my purchase to myself. Also, nice to have if needed, even if that isn't everyday.
I always pay with credit card whenever I can for the rewards, then pay it off fully.
FizzCash, new Zealand. Here we get charged a fee for cc that’s 3% that’s a scam in my opinion and there’s probably a fee for eftpos as well so I just use cash.
Card and also New Zealand. I tend to find the cc or EFTPOS fees only get directly added by small businesses like local dairys or restaurants. Otherwise, it’s generally considered an operating cost and as such is accounted for in the price, so you pay for it regardless of how you pay.
Dairy is where 80% of my transactions are to be fair
Nah it’s been years since I was charged fees for eftpos.
Paywave though, the vendors are getting shafted for that since it’s credit. So of course they’ll pass it on
Portugal
I pay almost exclusively using MBWay or Card.
Cash and only cash. I live in Europe, so basocally wherever I decide to travel, my euros will be accepted, otherwise I’d rather get ripped off by an exchange than give a single piece of metadata to my bank :)
Travelling to places with a different currency outside the EU, I take my debit card and on the very first day withdraw some of the local currency from an ATM.