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Old 10-18-2014, 10:24 AM   #111
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what a convoluted mess finance/ credit cards have become!!
"Oh what a tangled web we weave, when first we practice to deceive."

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Old 10-18-2014, 10:56 AM   #112
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When refunds are needed it can be quicker with a credit card vs. cash. One downsize to paying cash is that some stores will give a refund via mailing a check to the customer.

I brought a couch with mostly cash and use my debit card for the remaining balance of about $20. I waited longer than the 12 business days for the check which didn't include the small amount from my debit card as I was instructed it would. It too another 6 days for the debit card credit to hit my checking account. If I had to do it over again I would use a CC and turn around paying off the purchase in full when the statement arrives. And some stores will keep records of credit card transactions which comes in handy if you don't have the receipt with you. (Target, Lowes, Home Depot)

My previous couch was damaged while in warehouse storage and they issued a check for replacement. I felt rushed to get this matter taken care of and ended up changing my mind on the replacement couch. As I waited for the refund to arrive I did find the perfect replacement couch elsewhere.

Great choice for "Living within my means" and camping for one...

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Camping History: 45 Trips / 133 Nights / 3736 Miles
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Old 10-18-2014, 11:22 AM   #113
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Location: West Michigan/Fort Myers
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We use an Amex card from the Executive membership at Costco. I use it for everything and even charge my cell phone bill on it. I do this because of the rebate I get back. It adds up and we never have a amount we can't pay at the end of the month. Amex is great if you have a disputed charge or a store fails to provide what you bought. Amex will handle the dispute for you and almost always we have a good outcome. As for the retailer I don't think they want to go back to taking checks from everyone. I used to be a restaurant manager in the early 80's and bad checks cost us a lot in loss and time chasing down the deadbeats. I don't carry much cash.

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