Phone activated functions on an RV???

pnichols wrote:

toedtoes wrote:
I use my debit card because I simply don't want to deal with that payment to the cc company - for me, it's just one more thing to deal with.

I here ya regarding "just one more thing to deal with"! (K)eep (I)t (S)imple (S)tupid is the name of the game.

However, of course one doesn't have to do anything to service one's credit card(s) each month. i.e. I have our credit cards set up for autopay, so they take care of themselves.

To me, keeping track of a how much I can put on a debit card each month based on how much running balance I have in my checking account each month is as much effort as properly keeping on eye on a checking account versus the checks I would be writing against it each month. Way too much non-KISS hassle.

P.S. I just called my high payback points CC company. I'm almost eligible for $500 back from all the everyday stuff, groceries, and vehicle gas I've put on it the past few months ... nice.

I don't have enough going out in bills, groceries, etc., to get much back in the way of points. And so when I finally do get enough points to actually be useful, it has been well over a year since I started earning them and the friggin' program changes and they start eliminating points on an expiration, company transfer, etc., so my points are suddenly deleted down to an unusable amount... I finally just quit considering points programs as a benefit to credit cards.

As for auto-pay on the credit card - for me, that doesn't work as easily as just withdrawing from my checking for each purchase. With debit I don't lose track of what I'm spending on a regular basis and I don't have to adjust things after the fact. With my process, I adjust before I make the purchase. Just works better for me.

But again, I use all the tools available - debit, credit, cash, etc. I don't refuse to use any one type of transaction because they all have their purposes.