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Old 07-26-2015, 08:16 PM   #11
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credit card always...
you can set alerts online with your online bank to alert your mobile txt number (instant) or email for transactions exceeding any dollar amount that you set... alerting you instantly if your credit card number has been hacked or stolen

my limit is $75 or more... I always get a txt when buying groceries and exceeding that amount as I am walking out of the store, giving me peace of mind that the system to protect my card from fraud is working
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Old 07-27-2015, 01:00 PM   #12
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Gas purchase

I use a Amex from Costco, get 4%per gallon rebate up to $8,000 annually. If I am at home I get gas at Costco, get another 2% rebate. On the road I generally use Flying J for another 4% off. Of course I pay them off every month.

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Old 07-27-2015, 01:12 PM   #13
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I think when you scan a card at the pump the pump requests a initial payment for the maximum you can pay at the pump for using that card. This is based on the cards set limits, usually $75 to $125. When the transaction is finalized it reverts to the actual amount pumped. This is a problem with debit cards because it will freeze that amount and it will not be available until finalized and for some reason sometimes it ca take days ti finalize and you wouldn't have access to those funds.

I always use credit cards. Check rates and use Pilot Flying J to get additional $0.03 per gallon and just got a Sam's credit card that gives 5% back on gas.
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Old 07-27-2015, 01:23 PM   #14
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Always use a credit card. I recently had a minimart put a $99 hold on the account until they submitted the correct amount then it was corrected but it was there for over 24hrs. If that was a debit card it might put a dent in your reserves. The other thing you should do is let your credit card(s) issuer know that you will be traveling out of state or out of your normal purchasing area so they don't deny the charges. Just a simple phone call to the 800 number on the back, they appreciate knowing it. Some issuers don't care but if you have a Discover card (know from experience) or American Express (don't have one) they certainly want to know. Visa and MC are a little more lax unless it is a large charge. Also, if you use a credit card vs. a debit card if there is a dispute our money is not tied up until the dispute is resolved.
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Old 07-27-2015, 01:41 PM   #15
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I use a wex gas card. It can be used in over 100 different gas stations across the us and Canada. And has a $5000 credit limit. This way I can price shop for best fuel price. you also can get the different stations awards offered.
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Old 07-27-2015, 01:50 PM   #16
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I use the Pilot/Flying J card when I can and credit card otherwise.
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Old 07-27-2015, 01:51 PM   #17
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I have a small account which I think how much I will need, and that no one can dip into our regular bank account.
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Old 07-27-2015, 01:55 PM   #18
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Credit Card only - never ever Debit.
I had my CC compromised more than once at a gas station (once by the cashier) where the bank locked my card (MC) and called me - even in the middle of the night. They even call when I use my card for unusual transactions or in not (for me at least) common locations. I apparently bought 7 iphones last week, got a phone call at 10:30pm and the charges were immediately reversed. Peace of mind - priceless.
When your debit card gets skimmed you're screwed big time, that money is gone for good.
The only drawback is, you never want to miss a payment once.
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Old 07-27-2015, 02:04 PM   #19
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Quote:
Originally Posted by Cypressloser View Post
Credit Card only - never ever Debit.
I had my CC compromised more than once at a gas station (once by the cashier) where the bank locked my card (MC) and called me - even in the middle of the night. They even call when I use my card for unusual transactions or in not (for me at least) common locations. I apparently bought 7 iphones last week, got a phone call at 10:30pm and the charges were immediately reversed. Peace of mind - priceless.
When your debit card gets skimmed you're screwed big time, that money is gone for good.
The only drawback is, you never want to miss a payment once.
Good info! We never have gotten a debit card and this just reinforces why.
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Old 07-27-2015, 02:09 PM   #20
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We actually had two banks when I was working several years ago but when I retired I consolidated all of my accounts to one bank. But the one bank that we use for home is a local bank and does not have office outside of our state. So I kept the second account, in a national bank, open, and we just put money into it when we can. I also had a credit card from this bank that I kept just for travel purposes. So I do not use my home bank for travelling so that I know none of my purchases will affect my ability to pay my monthly bills. I also have alerts setup on both banks so that I am aware of any charges over the $75.00 limit. I have used Wal-Mart when they are available. I have a gift card that I can use and then move more money on it as it is needed. I find that this helps and so far we have not had any problems. I never us my debit card while away from home. I always use a credit card. I have a Pilot gas card but so far have not used it. I normally find diesel cheaper at other stations than at Pilot.
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