Woodalls Open Roads Forum: General RVing Issues: cash, debit or credit
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nephi007

Utah

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Posted: 01/29/13 11:37am Link  |  Print  |  Notify Moderator

We were going toward the La Push Indian Reservation and had to stop at a small general merchandise store with 2 gas pumps to fill up. Pulled out our visa credit card started pumping, got halfway and it stopped. Went inside, called credit union it seemes card was maxed out (we had been using it on the way and forgot the limit)so we whipped out the Amex fortunately clerk took it. So, how do y'all pay for things on the road. Cash,debit or credit?

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SRockwood

San Diego

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Posted: 01/29/13 11:41am Link  |  Print  |  Notify Moderator

Fuel is credit for cash back.

Everything else is cash. Consumer debt sucks (fell into that trap once).

LynnandCarol

Rockport, TX

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Posted: 01/29/13 11:44am Link  |  Print  |  Notify Moderator

Debit or cash! Also when making long travels we contact the debit folks and let then know so they can note our account. Once driving cross country they put a hold on our card thinking it was possibly stolen as it was being used in multiple states. credit cards are emergency only.

dave17352

LINCOLN, NE

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Posted: 01/29/13 11:53am Link  |  Print  |  Notify Moderator

I always use a credit card and as LynnandCarol said I inform the card company I will be traveling or they will indeed decline payment when out of town. I also pay my credit card in full each month. We like the traveler miles for flying. I always carry some cash and a second card in just incase one gets lost.


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enblethen

Moses Lake, WA

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Posted: 01/29/13 12:07pm Link  |  Print  |  Notify Moderator

We normally carry sufficient cash for about one tank of fuel.
We normally use the debit card first, then credit card and when in very remote area we have had to use cash as there computer system was down.
We do our banking on line, so we pay the credit card shortly after it clears. This may vary depending on the time of the month.
We have run into locations that will only allow one debit or credit card action for $75. When you are going to need $200+ to fill tank, this is a real hassle.


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vermilye

Oswego, NY, USA

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Posted: 01/29/13 12:10pm Link  |  Print  |  Notify Moderator

I also use a credit card for everything I can & pay it in full every month. While the 1%-2% cash back isn't all that much, why not? Like Dave, I carry cash for situations where I can't use the card, and do let the CC companies know when & where I'll be traveling.

The only place I'll use a debit card is at a bank ATM to make a cash withdrawal. After watching the hassles my daughter went through when her debit card was compromised, I avoid using it for anything else.


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OregonTRX4

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Posted: 01/29/13 12:13pm Link  |  Print  |  Notify Moderator

In the future I will stick to my credit card so that if(or when) the number is stolen, they are just racking up my card and not emptying my accounts. I had this happen once before even though the credit card was still in my pocket and the bank was very helpful and took care of it.

APT

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Posted: 01/29/13 12:16pm Link  |  Print  |  Notify Moderator

Credit cards for rewards, ease of disputing charges, ease of analyzing costs/statements, and security of "carrying" so much value in a small package.

Please let this thread not go down the debt free hill.


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Tucson

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Posted: 01/29/13 12:16pm Link  |  Print  |  Notify Moderator

We use all three as is most appropriate for our purchase. Our Chase card gets us 5% back on fuel for 2 quarters of the year so when that rebate is in play we always use it for gas. Debit card is for getting more cash and only at secure ATM's like inside of a bank. Cash always works but I rarely carry much on me. It is easy enough to stash a little where it cannot be found. You just cannot be too careful out there.

mbopp

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Posted: 01/29/13 12:17pm Link  |  Print  |  Notify Moderator

I carry enough cash for a tank of gas, everything else is credit. But - I have the money in the bank to pay it off every month.


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