Nixon wrote:lobbythis wrote:If you treat a CC like a debit card on a regular basis, your credit card companies must be laughing all the way to the bank.
I've never met anyone so paranoid about carrying cash or a debit card. What's even more funny is that you're willing to pull out big CASH advances, but bringing cash from home or a debit card is blasphemy. How does that make any sense? Only in the Church of MyFICO.
The only debit I carry with any degree of regularity is my Discover Checking. There is a small sum in there, and I use this card only for sub $2 purchases. 10c minimum cashback per swipe/use. 20c currently.
In short. I'm about the rewards. My Chase, NFCU, DATCU debit cards offer no such rewards, so I simply DO NOT carry them along with having that liability out there.
I will say that in regards to NFCU, they will send you a CUCard if you ask, which is just a basic ATM card that can't be used for pinless transactions. It's a decent compromise for being able to get cash when necessary.
Regarding the casino realm, I'll propose something that may be unpopular here. Casino credit. This is only useful if you typically only frequent a particular casino or in some cases a casino chain. It's same as cash in that there are no finance charges for it, and in most regards is the same thing as writing a check. In fact, in order to qualify for a particular amount of credit line they will actually verify your average daily balance is at least that much. I personally use it at my favorite casino in Vegas so I don't have to travel with a lot of cash. I have the money in my account, and it ends up being no different than writing a check to the casino cost wise. But it saves me from the potential issues of ATM limits and fees depending on your personal financial situation and personal discipline.