Do you ever feel bad about paying with a credit card?

For just about anything you want to get off your chest about credit cards.
benhollberg
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Postby benhollberg » Tue Jun 04, 2013 8:10 pm

I never feel guilty about paying with a credit card, don't care in the slightest. If someone doesn't want to take my credit card then they lose my business. I am a ticket broker and as a merchant I understand that people like to use credit cards, I'm not going to lose a sale over a small swipe fee. Not to mention that in my business having people pay over the phone or online with a credit card is a huge convenience for me.
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Postby FastSRT8 » Tue Jun 04, 2013 9:04 pm

Exactly. Business' that nickel and dime really rub me the wrong way.



benhollberg wrote:I never feel guilty about paying with a credit card, don't care in the slightest. If someone doesn't want to take my credit card then they lose my business. I am a ticket broker and as a merchant I understand that people like to use credit cards, I'm not going to lose a sale over a small swipe fee. Not to mention that in my business having people pay over the phone or online with a credit card is a huge convenience for me.
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Postby credit_card_fonz » Tue Jun 04, 2013 9:40 pm

If I use say one card just for gas and one card just for eating out, it's easy to see just how much I'm spending. I normally tip in cash and pay cash for a few small things or if it's a business where I know the owners. I've used credit cards for years and it's had to get used to cards being accepted almost everywhere. I've even seen vending machines that take credit cards....charge a snicker's? With swipe technology credit cards can be accepted using a cell phone and any small even mobile business can now accept credit cards, which is something that's hard to get used to.

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Postby benhollberg » Tue Jun 04, 2013 9:48 pm

credit_card_fonz wrote:If I use say one card just for gas and one card just for eating out, it's easy to see just how much I'm spending.


Can't believe I forgot about this, next to the rewards this is an excellent reason to use credit cards, or even debit cards. Being able to see exactly how much you spend in a day, week, month, year or whatever is amazing. Also just great for keeping track of what you buy.
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Postby sblfilms » Tue Jun 04, 2013 11:27 pm

I grew up in a family of entrepreneurs and own two businesses myself. A lot of business owners are pretty shortsighted about swipe fees. One of the things a lot of business owners don't understand is that in the aggregate, credit card wielding customers spend an average of nearly 20% MORE than cash/check paying customers. The 1.5-3.5% fees are EASILY covered by the increase in average transaction and the increased number of total transactions.

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Postby Bksuper » Tue Jun 04, 2013 11:51 pm

No, doesn't bother me. If I pay cash, I greatly inconvenience myself, lose the float, protections, and benefits, and the rewards. Usually I get more in rewards than they have to pay for their swipe fee.
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Postby Terry » Wed Jun 05, 2013 9:58 am

swipe_masta wrote:Now more than ever, swipe fees are a burden on merchants. I'm curious as to how many of you sometimes feel bad about paying with credit...
There are places that I frequent where I would never use a cc like where I go to get my hair cut, the used bookstore, and a family run coffee shop. I also always try to tip in cash after I pay with my cc.

On the flip side, the new credit card laws kicked in this year where merchants can charge a swipe fee on consumers for using cc. Has anyone come across an establishment that enforces this? If so, do they have a sign or tell you that they will charge for using a cc?


I live in a state that prohibits charging customers a swipe fee. As far as using my card at a merchant, if they do not take my card of choice, they do not get my business. :)
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Postby Snowman » Wed Jun 05, 2013 10:10 am

I prefer using my cards wherever I go since it's easier. Now if I know that I am going to a place that takes cash or check only then that is really the only time I use it. Other then that everything goes on the card....and honestly, no, I don't feel bad using my cards anywhere.
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Postby tanyasf » Wed Jun 05, 2013 2:44 pm

I guess in here,The people will said "NO"

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Postby Dylan1982 » Thu Jun 06, 2013 2:38 am

I use my Freedom card EVERYWHERE I go!! Love the rewards I get from it..

What I really hate, is when a business says there is a $10 minium purchase to use your CC.. That is BS!!
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