Cash or Card

Mr. Manager · 12-04-2012 10:34AM #1

Just flicking through another thread there and someone said cash is king. Yea, cash is king if you fancy some impulse shopping.

Personally, I never ever carry cash on me. Everything I pay for goes on my cards. I find it stops me needlessly buying junk in the shops. If I've change on me it's too tempting to just nip in an get a coke or whatever.

People who say paying by card is slower than cash, try getting stuck behind some auld one paying for her food with a couch worth of coins.

Do you use cash or card?

suitseir · 12-04-2012 10:37AM

Both!

But I bet the AULD WAN is not in negative equity, is frugal, and doesn't have to worry about credit card interest!

Remember, you will be AULD some day too!:D

biko · 12-04-2012 10:38AM

99% of the time cash, card only for bigger purchases.

hairyprincess · 12-04-2012 10:39AM

Card I'd say about 95% of the time. There are a few places that either don't take cards or don't take them for less than €10 spend

Gee Bag · 12-04-2012 10:39AM

Neither, I barter.

Mr. Manager · 12-04-2012 10:39AM

suitseir wrote: »

Remember, you will be AULD some day too!:D

Yea an I'll still have a card so I'll continue to use that

jameshayes · 12-04-2012 10:40AM

card - never carry cash other than when drinking

Jesus Shaves · 12-04-2012 10:41AM

Cereal Rapist wrote: »

Yea, cash is king if you fancy some impulse shopping.

Personally, I never ever carry cash on me. Everything I pay for goes on my cards. I find it stops me needlessly buying junk in the shops. If I've change on me it's too tempting to just nip in an get a coke or whatever.

Oh dear lord, God forbid if you went in to a shop and bought yourself a can of coke, what has the world come too!

CardBordWindow · 12-04-2012 10:41AM

Cash is king! Just like Bertie, I only deal in cash.

Immaculate Pasta · 12-04-2012 10:42AM

biko wrote: »

99% of the time cash, card only for bigger purchases.

This.

I like to pay with cash for most things as I feel I have more grasp over my money and how much I have left. If I use my card all the time I lose track of how much I'm spending. Cards only for the large purchases.

Using a card in a pub or a bar though :mad: That's a big no no for me.

Mr. Manager · 12-04-2012 10:43AM

darokane wrote: »

Oh dear lord, God forbid if you went in to a shop and bought yourself a can of coke, what has the world come too!

It was an example. Shops sell other things funnily enough.

SunnyDub1 · 12-04-2012 10:43AM

I find I spend more when I use the card, cause it's like a "magic card" with endless money (I wish) you don't realize how much your spending

- then you check your bank AC aftyer a hard day shopping & spending and say to yourself - "sh*t how much did I spend shopping yesterday" Beans & toast for dinner this week it is :P

When you take out cash , you know exactly how much your spending. Take out the required cash and leave the "magic card" in the car or at home when entering the shopping center.

Credit cards are just dangerous all together :rolleyes: they are the best invention ever - until you realize you have the pay the money back

Biggins · 12-04-2012 10:44AM

Use my laser cards most of the time.

suitseir · 12-04-2012 10:46AM

Cereal Rapist wrote: »

Yea an I'll still have a card so I'll continue to use that

Of course you will.............my mother-in-law who only died recently was in her late 80's and always used a laser card! She was one of the first auld wans that I knew who used a ATM card when they came out first but then "moved onto" the laser and credit card! I was still using cash and cheques and this lady was educating me into card use! AND I worked in the Bank!

But remember, you WILL be that auld wan some day trying to key in your pin numbers SLOWLY and causing a queue!:D

brimal · 12-04-2012 10:47AM

Card all the time

FatherLen · 12-04-2012 10:51AM

Half and half I suppose, whatever is easiest at the time.

Biggins · 12-04-2012 10:52AM

Sweden looks like being the first to go cashless.
I can see over time, others going the same way.

A short section from one of many articles available:

Sweden could be first country to go cashless as even churches are taking cards for offerings

In most Swedish cities, public buses don't accept cash - tickets are prepaid or purchased with a cell phone text message.
A small, but growing number of businesses only take cards and some bank offices — which make money on electronic transactions — have stopped handling cash altogether.
'There are towns where it isn't at all possible anymore to enter a bank and use cash,' complains Curt Persson, chairman of Sweden's National Pensioners' Organization.

http://www.dailymail.co.uk/news/article-2117643/Sweden-Country-cashless-churches-accepting-cards-offerings.html

* http://theextinctionprotocol.wordpress.com/2012/03/19/sweden-goes-cashless-the-world-may-soon-follow/

* http://www.cbsnews.com/8301-202_162-57399610/sweden-moving-towards-cashless-economy/

* http://www.americanthinker.com/blog/2012/03/cashless_sweden_no_atm_fees_total_loss_of_freedom.html

Plazaman · 12-04-2012 11:00AM

hairyprincess wrote: »

Card I'd say about 95% of the time. There are a few places that either don't take cards or don't take them for less than €10 spend

This always struck me as strange one of my local shops won't allow me to use my debit card for purchases under €10 but the other one will take any amount. What's the downside for the shop? Surely they are encouraged to use a cashless system (although what the banks will and will not do nowadays leaves me baffled, you'd swear they hate cash).

Granted I know now to have cash on me if going to the first one but I always feel sorry for the people who are caught out then have to go to the ATM at the back of the shop while the till monkey stands there flicking her nails as she cannot void the previous transactions until the customer comes back with cash and god forbid she'd use the second till even though the queue keeps growing.

Carter P Fly · 12-04-2012 11:03AM

I use my lazer as much as possible. Any cash i have on me gets spent on rubbish so not carrying cash saves me on impulse buying.

I avoid using the crdit card exept for large purchases and online when a lazer option is not available.

Vicxas · 12-04-2012 11:08AM

Card mostly now, but for anything under a tenner id usually do cash

gerrycollins · 12-04-2012 11:12AM

credit card or debit card vs cash?

got a visa debit card(moved bank) and its great because you cant us laser on most internet sites.

also it faster to update to your account so no over spend

plus im paranoid of money slipping out my pockets

Yawns · 12-04-2012 11:14AM

Cereal Rapist wrote: »

People who say paying by card is slower than cash, try getting stuck behind some auld one paying for her food with a couch worth of coins.

Try getting stuck behind some auld one paying for anything with her card. First she still has to root around in the hand bag for the loose card, then has to examine it at the tip of her nose for 20 seconds. Now we proceed to wait as she ignores the cashier and tries to insert the card the wrong way for the 4th time.

Now comes the longest part. Remembering the PIN! Oh what was it now. Que another minute whilst she turns the cogs. Oh yes it was such n such cos I remember the war was won in that year or someone was born....

Now when it turns out that that pin was the wrong one or the card was declined, the auld dear suddenly remembers that it was a different card she was supposed to use as that one was expired 2 years ago...

Before you ask, they will still have trouble with the contactless cards when/if they come about. Also you can of course be saved a few minutes of waiting behind this type of person if they hand their card straight to the cashier, but that only saves so many steps, they still have to remember their pin.

I honestly prefer card, but I don't get one people point card out as better with an example of auld ones at checkouts with purse of coins. They are slow at all methods of payment. Card for me on most transactions these days and I try to carry less cash. Like above it gets spent on rubbish.

gurramok · 12-04-2012 11:16AM

Too much fraud has occurred with Debit\Credit cards, ya know skimming and the likes. Plus the govt tax on cards is also an incentive to use cash.

Mr. Manager · 12-04-2012 11:17AM

I can honestly say I've never had such hassle with elderly folk paying by card.

JohnMarston · 12-04-2012 11:18AM

This thread reminds me how much i simply love standing behind someone in tesco trying to pay with their card

Duggy747 · 12-04-2012 11:31AM

Person comes into my shop and tries to buy €2.50 headphones with a card.

I tell them I can't accept cards for anything under a tenner.

Person looks furious and sickened so much that they pull out a fistful of coins from their pocket.

JohnMarston · 12-04-2012 11:36AM

Duggy747 wrote: »

Person comes into my shop and tries to buy €2.50 headphones with a card.

I tell them I can't accept cards for anything under a tenner.

Person looks furious and sickened so much that they pull out a fistful of coins from their pocket.

I could imagine the look on their faces if something cost €9.99

hightower1 · 12-04-2012 11:36AM

JohnMarston wrote: »

This thread reminds me how much i simply love standing behind someone in tesco trying to pay with their card

and how great it is when Im the only one in the queue thats actually ready to pay before I get to the till. It still astounds me why people decide to get their payment ready AFTER bagging it all up? Were they super busy while standing in queue with a blank expression on their face? Where they simply not expecting to have to pay or what? Is it that tough to take the time to get approx cash or card ready to go rather than hold everyone up rooting around for it later on?

readyletsgo · 12-04-2012 11:40AM

I use laser and CC for some things, but when I am in getting a 'quick' coffee, and the person in front of me is using their cc/laser to pay for a €1.50 coffee, ANNOYS THE HELL OUTTA ME!!!!

Take €20 out of your account, or if you dont have €20 in your account dont use your card for such a small amount, delaying everyone,(happens more often than you'd think) as the staff person doesnt really care/pay attention to the money going through so can leave the person standing there with their card in the machine waiting for the staff to process it. BAH!

pickarooney · 12-04-2012 11:40AM

Plazaman wrote: »

This always struck me as strange one of my local shops won't allow me to use my debit card for purchases under €10 but the other one will take any amount. What's the downside for the shop? Surely they are encouraged to use a cashless system (although what the banks will and will not do nowadays leaves me baffled, you'd swear they hate cash).

Granted I know now to have cash on me if going to the first one but I always feel sorry for the people who are caught out then have to go to the ATM at the back of the shop while the till monkey stands there flicking her nails as she cannot void the previous transactions until the customer comes back with cash and god forbid she'd use the second till even though the queue keeps growing.

I always presumed it was to pressure you into buying more stuff to make it up to a tenner. There's no logic behind a company like Lidl refusing custom for the sake of a 10c bank charge.

I use my card about 85% of the time, cash only for the markets.

Biggins · 12-04-2012 11:42AM

hightower1 wrote: »

and how great it is when Im te only one in the queue thats actually ready to pay before I get to the till. It still astounds me why people decide to get their payment ready AFTER bagging it all up?

O' get over it for gods sake!

If they had their card/cash ready, the process will be speeded up by what, a few seconds?
Jeasus H Christ!
Is your life moving that fast that you can't spare extra seconds at a ruddy till?
Jeasus your life must be moving at a constant bloody hectic speed!

If they were as quick as possible paying, handing over their card first, instead we would still get people possibly moaning over "Jeasus, they take all day to fill their bags" instead!

Moan, moan over stupid seconds spent at a till.
Jeasus, what a sad life it must be to be that bitter over such a small thing at the end of the day!

There are far bigger things to give out about!
Sad, just sad!

Cash or Card

Cash or Card 88 votes

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