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what's the most and least you've put on a debit/credit card?

post #1 of 33
12/14/06 at 8:46pm
Thread Starter 
funny story..

so i picked up my brother from school today.. like i always do (well since the past 2 weeks b/c i'm home for break) and he was like..

him:"man, i need to go to target.. i have a project/presentation to finish up and i don't think we have poster board at home. can we drop by? i don't have any money though."

me: .. i got you covered.

so since i finally got my debit card a couple months ago (like august) i haven't really carried cash with me.. just my debit card that i add $$ to and on every 2 weeks or so.

so we get to Target.. he gets his poster board.. yeah.. poster board is .45 cents. lol

so guess how much i charged to my debit?

.45 cents.

lol my little brother laughed at me. the cashier must have thought.."this kid has got to be joking."

lol so my question..

what's the most or least amount of money you've "charged" to your debit/credit card? i mostly just process/charge everything as debit.
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post #2 of 33
12/14/06 at 9:01pm
Haha! Yea I feel like such an idiot when that happens. A lot of times my parents don't give me money(they say to just put it on the card) so I end up charging like a dollar for a drink or random things like that. The cashiers do look at you weird lol.
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post #3 of 33
12/14/06 at 9:15pm
I pay for Slurpees with my debit card all the time.
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post #4 of 33
12/14/06 at 9:15pm
I literally use my debit card on everything. I have used it for dollar items many, many times. I never carry cash.
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post #5 of 33
12/14/06 at 9:17pm
Ditto!

If only vending machines took debit/credit.
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post #6 of 33
12/14/06 at 9:19pm
Yay for unlimited transactions!
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post #7 of 33
12/14/06 at 10:08pm
Quote:
Originally Posted by 2venus View Post
Ditto!

If only vending machines took debit/credit.
There is a mall by me that has these types if vending machines.
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post #8 of 33
12/14/06 at 10:11pm
2200 on a tv
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post #9 of 33
12/14/06 at 10:11pm
I've paid for my college semester, it was about $8000 one time, the least i've put on it is maybe like $10 or so.
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post #10 of 33
12/14/06 at 10:43pm
I got my first debit card not that long ago and I don't carry cash so I just use my CC for everything. the least I have used was for an eraser that was 75 cents
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post #11 of 33
12/14/06 at 10:44pm
I very rarely carry cash. Almost always use debit card.
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post #12 of 33
12/14/06 at 10:50pm
I usually use debit for $5+ transactions. I almost always carry some amount of cash, with about $200 total spread out in several pairs of pants and in my room.
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post #13 of 33
12/14/06 at 10:58pm
I hate debit cards and the fact they take money out right away, lol. I just can't get over the idea of having money dissapear when credit cards can be paid off at the end of the month I'd much rather be spending cash then running my debit card, at least then I can hold money in my hand.

Most I've ever run on a credit card was probably about $700 on Black Friday (PS3 and camera), and the least was maybe like $2 because I had to insure a $45 pair of jeans through u-pic.com as it was going to Belgium.

The reason why most people shy away from using cards for small stuff is because it costs merchants between $.20-.40 cents to run your card, and then the fee on top of that is another 1-2% of the transaction total. Most cashiers won't care but others will give you dirty looks because they know they are probably losing money on your $1 transaction, lol.

I don't carry that much cash on me usually, so on the rare occassions where I find myself needing to buy something but only have my credit or debit card on me, I'll usually try and buy some extra stuff to bring my total to $5 at least. This is why some smaller stores will charge people an extra 25 cents or dollar to run small transactions on a card.
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post #14 of 33
12/14/06 at 11:22pm
Quote:
Originally Posted by Melody View Post
Most cashiers won't care but others will give you dirty looks because they know they are probably losing money on your $1 transaction, lol.
I work as a cashier and I dont really see why any cashier would give you a dirty look, as its the company who is losing money and not them. I ring up 25 cent - $1 things all the time and I dont think twice about it b/c i use my card most of the time as well. I do have customers apologize to me for using their card for small purchases and I always wonder why they are apologizing b/c its easier for me to stand there and let them swipe their card than it would be for me to open the drawer and count change back to them.
I am so used to my stores liberal policy that i didnt even think about it when i wanted to get some copies and the guy was like "a credit card for twelve cents worth of copies, you've got to be kidding me"
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post #15 of 33
12/14/06 at 11:27pm
i try to use my debit as little as possible, especially when i go out to eat; it's easier to tip w/cash. i used to work in food service and if people paid with any kind of card, i usually assume they don't tip....and i'm 98% right.
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post #16 of 33
12/14/06 at 11:36pm
The least ive ever paid is like .91. For some reason canada customs didnt believe I paid $6 for my air intake off ebay..... Wtf, why would you charge duty on a $6 item. My bro was like i got a loony, I was like naw I got this and whipped out the cc
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post #17 of 33
12/14/06 at 11:37pm
I always use cash. ;D Like my mommy!
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post #18 of 33
12/14/06 at 11:38pm
Thread Starter 
Quote:
Originally Posted by Melody View Post
I hate debit cards and the fact they take money out right away, lol. I just can't get over the idea of having money dissapear when credit cards can be paid off at the end of the month I'd much rather be spending cash then running my debit card, at least then I can hold money in my hand.

Most I've ever run on a credit card was probably about $700 on Black Friday (PS3 and camera), and the least was maybe like $2 because I had to insure a $45 pair of jeans through u-pic.com as it was going to Belgium.

The reason why most people shy away from using cards for small stuff is because it costs merchants between $.20-.40 cents to run your card, and then the fee on top of that is another 1-2% of the transaction total. Most cashiers won't care but others will give you dirty looks because they know they are probably losing money on your $1 transaction, lol.

I don't carry that much cash on me usually, so on the rare occassions where I find myself needing to buy something but only have my credit or debit card on me, I'll usually try and buy some extra stuff to bring my total to $5 at least. This is why some smaller stores will charge people an extra 25 cents or dollar to run small transactions on a card.
see.. but that's the kinda isht that gets you in trouble.. lol

"i'll charge it.." and that goes on a bill.. and you have to pay that off..

but with debit..

it's an X amount that's sitting in your checking account.. of say.. $300.. and each time you use it.. it just deducts.. which i find better.. b/c you don't have to worry at all about paying off a bill or worrying about not having any $$ to pay off the bill at the end of the month.

my friends always get caught in that trap.. they don't have debit.. they just have credit cards.. and right now.. my one friend.. she's $15,000 in DEBT b/c she had 3 cards that each had $5000 spending limits.. and she maxed out all of them and didn't have the $$ to pay them back.

debit IS cash.. it's just on a card... a credit card is a X amount of money that the cc company essentially lets you "borrow" and then at the end of the month.. whatever $$ you used on it.. you gotta pay back to them.. debit is SO much easier.. b/c it's YOUR own $$ you're spending and there's no need to pay anyone/company back for what you spent with the card.. it's safer, i.m.o.
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post #19 of 33
12/14/06 at 11:41pm
lots of places here only take cash (mostly food places), so I have to carry at least 20 bucks around with me. I'd kinda feel foolish doing 45 cents on debit though.
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post #20 of 33
12/14/06 at 11:49pm
prolly something like .50 and 6k for the family trip to Australia.
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post #21 of 33
12/14/06 at 11:51pm
i love using debit for everything.. u dont have to carry all that change.. and ya i do use my debit for under dollar things sometimes with that weird cashier look staring at you.. but all u gotta do it wink and lose the tension
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post #22 of 33
12/15/06 at 12:16am
I don't know what the lowest is...I try to make at least $2.50 purchases on my CC and I hardly use my debit.

I don't feel comfortable posting my purchase amount, but a couple months ago I went over my credit limit by $3k+ (I thought I had a much higher limit since my other card has a pretty high limit) and they never cut up my card or penalized me for it. My friends were amazed that my card was still alive!
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post #23 of 33
12/15/06 at 12:19am
Quote:
Originally Posted by fr4nkst3r View Post

so we get to Target.. he gets his poster board.. yeah.. poster board is .45 cents. lol

so guess how much i charged to my debit?

.45 cents.
you could have at least bought the homeless guy waiting outside a cup of coffee!!!
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post #24 of 33
12/15/06 at 1:13am
Thread Starter 
if there was a homeless guy outside.. i would have.

in the city.. there would be.

but in the suburbs.. there isn't. haha
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post #25 of 33
12/15/06 at 1:23am
Quote:
Originally Posted by fr4nkst3r View Post
see.. but that's the kinda isht that gets you in trouble.. lol

"i'll charge it.." and that goes on a bill.. and you have to pay that off..

but with debit..

it's an X amount that's sitting in your checking account.. of say.. $300.. and each time you use it.. it just deducts.. which i find better.. b/c you don't have to worry at all about paying off a bill or worrying about not having any $$ to pay off the bill at the end of the month.

my friends always get caught in that trap.. they don't have debit.. they just have credit cards.. and right now.. my one friend.. she's $15,000 in DEBT b/c she had 3 cards that each had $5000 spending limits.. and she maxed out all of them and didn't have the $$ to pay them back.

debit IS cash.. it's just on a card... a credit card is a X amount of money that the cc company essentially lets you "borrow" and then at the end of the month.. whatever $$ you used on it.. you gotta pay back to them.. debit is SO much easier.. b/c it's YOUR own $$ you're spending and there's no need to pay anyone/company back for what you spent with the card.. it's safer, i.m.o.
Yeah I know what you mean... I guess in theory, I still only spend what I have because I don't let myself get into 'real' debt and I have paid things off every month with very few exceptions, but the bank account has been looking mighty sad lately.

Realisticly, I'd probably buy less if I just accepted the fact that the money is as good as gone the moment I punch in the pin number. So far I have managed to stay out of trouble, but recently my main credit card just increased my limit by $6,000, and I do NOT have $6,000 in my bank account but it's hard to just stop buying R&Rs and think, "Oh I have a higher limit now, I can pay it off later..."

However, I think that if you can maintain debt, it's better to carry a small balanace than to wipe your bank account completely dry by using just your debit card. I have a friend who only ever ran his debit card for purchases, and by the end of the last quarter he had ZERO money left and his parents refused to give him any more. (We're all college students and he was pissing his money away on drinks/cigerettes. His own fault, so no one felt that sorry.) He then had to more or less depend on other people for food for a few weeks, because he didn't have a credit card to charge up groceries on. And he couldn't drive anywhere because there was no credit card to get gas with.
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