fj12ryder wrote:
CA Traveler wrote:
fj12ryder wrote:
I haven't paid a dime of credit card interest in probably 30 years, that's a fool's game.
X2 Dear Fool's, Thank you for the interest free loan. Bob
And the merchant increase in price to cover their CC costs well that is the cost of doing business today.
Yep, except for gas and a few other items, you'll pay the same whether you use a card or pay cash. I have negotiated a price cut for paying cash, but it doesn't happen often. Like you say the price reflects the CC costs regardless.
my experience as well. We pay off the CC every month, don't pay a dime in interest and collect the benefits offered and don't have CC that have any annual fees. I don't "decide" what to buy based on CC "points, cash back or whatever". We just spend like we normally would but use the CC, in fact that makes it easier to see where expenses are going as well. And instead of monthly bills coming from the checking account, if the utility etc. takes CC w/o any fees, it goes on the CC. In the end, we get 5% + usually Kroger points on gas, and enough points on our Visa card to pay for all our airline tickets for planned travel every year.