Which Card Do You Use Most Often?

Debit card.

Debit card. I only use credit cards where they won't take my debit card.

Debit.

My credit card is maxed.

definitely debit...I don't have any credit cards. No money, no purchase for me.

Debit card as I've never owned a credit card. I know this must seem old-fashioned, but if I haven't got the money for something, I don't buy it.*

* with the obvious exceptions of my house and my car

Credit, I don't use the debit.

Don't have any credit cards. I use my debit card every day and most everywhere I go, including fast food places. I rarely carry more than $5-$10 on me at any time. I generally make over 100 debit card transactions a month.

Only downside to not having a credit card is that I can't rent a car anywhere. Haven't needed to for years so no big deal.

Same here. I only use credit when they don't take debit, and then I pay the bill off when it comes.

I don't own any credit cards anymore. At one point I had several platinum cards and several gold cards and half a dozen department store cards. Dumb, dumb, dumb. I prefer to pay for my purchases with one payment now -- not several hundred.

> if I haven't got the money for something, I don't
> buy it.

This is my philosophy as well, but I do use a credit card (and for nearly everything). I use the card to get the points, which I plan to use for travel. I pay off the bill in full at the end of every month, and never need to pay interest.

I probably use debit slightly more. I use credit for personal stuff and debit for household stuff that comes out of a shared account. I imagine it's pretty close, though.

now debit, use to be credit

I have a card that can be used as either credit or debit (it's all debit on the back end though). I used to use it mostly as credit because I thought it would cost me some fee to use it as a debit card (like that $1 charge for using an ATM from another bank). But, recently, I noticed that it doesn't seem to do that. So, I've been trying to use it more as a debit card. I do slightly prefer typing in my code compared to signing the slip of paper. But, I don't really like it when they ask me if I want cash back. I never want cash back.

An old boss of mine was a member of the Motley Fool and he had up to 12 credit cards at any one time. He was always on the lookout for anyone offering 0% interest on balance transfers and would immediately max out the card and put the money into a series of high interest saver accounts.

He controlled it all with an Excel spreadsheet so that he knew that on any given day he had to transfer funds from Card A to Account B and from Account C back onto Card E. He reckoned he made over $16k/year moving money around.

I would've started doing it too, were it not for the fact that I'm hopelessly disorganised!

Debit.

Wow. That's a pretty smart idea. I'm nowhere near savvy enough to pull off something like that though. Good for him.

The Ace of Spades

I only have a debit card.
My Mum taught me to not do credit.