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Discussion in 'iPad' started by djrobsd, Apr 3, 2010.
Curious how many people are still buying stuff on credit versus paying cash...
I used my debit card which is the same thing as cash. I promised myself I wasn't going to use credit on my newest toy.
Credit, almost have a round trip in first class to Hawaii
You're crazy to pay cash when you can take advantage of the added CC benefits (though you need to make sure you pay it off with that cash you would otherwise be using.)
I've already been in a position to utilize the bennies when my $800 bike got stolen and when my iPhone 3G started acting up with the vibrate switch. In the former case it was covered by the purchase security protection (first 90 days) and the second by the automatically warranty double protection.
I used credit but just because thats how I make most of my purchases, I'll just pay it back on my bill like with anything else
Debit Card. Haven't used a cc in 20 years.
I used a $25 Best Buy gift card I had and then wrote a check for the remaining $504.99.
This is great in theory, but the majority of people have a hard time with impulse buys and then having to pay back things over time.
If everyone was like you, the credit card companies would be broke. So you should be thanking people who buy stuff on credit and pay it over time. It helps you with your benefits.
I paid cash for mine by the way.
Yeah, I only use credit for convenience (like note breaking a 20 if I want a soda) or emergencies. I used debit.
this poll is the equivalent of searching for ipad accessories on ebay and finding mostly ipad domain names.
Debit card always
Cash is king (debit card).
I never buy normal goods and services on credit. Buy & own is the only way to fly.
The last item I got on credit was a "cheap" VCR from Sears some 20 years ago. Ended up paying like $1,000 for it. After that, I went all cash.
My wife and I always use our Amazon CC for big ticket items in order to get points. However, we always pay the balance at the end of the month and have never paid interest on our card in the 6+ years we have had it.
This poll is terrible. I used an American Express charge card and there is no option to pay it back over time; it must be paid in full every month. Oh did I mention it also doubts my warranty to 2 years.
Reason I use it is:
1) Cash means after tax money. Using the plastic means it's a business expense.
2) Cash is an invitation people for to not report the sales tax and pocket it instead. Yeah, Apple won't do it, but if I get charged tax, I'll be sure it goes to Uncle Sam. Paying with plastic creates a paper trail.
3) It's much easier to keep track of expenses at the end of the month.
4) It's easier to get a refund if something goes wrong and the seller won't take it back.
Debit Card, writing it off on my taxes... woooo business expenses.
Used Cash. Don't do credit cards.
When I bought my iPhone 3GS it was a hassle to pay with cash. I had to basically buy a gift certificate or something like that so they had a card to swipe. It was a pain in the rear and took way to long. I emailed Apple the next day about the system and actually got a response. They were going to change so they could accept cash.
So, today when I got Barney (I refuse to all it iPad anymore) and pulled out cash, I was pleasantly suprised to see a cash drawer pop open.
Used my American Express for the extra warranty.
I used my Master Card for the same thing and the points. my next bill cycle begins in two weeks, so when I get my next statement, I will just pay it off all at once, its normally what I do when i buy a shinny new (expensive) toy.
Used VISA. I hardly ever buy things using cash nowadays.
Used my Visa card. Will pay in full when bill arrives. Why Visa?
Friday was 1st day of billing period so no bill for a month.
Earned points which pushed me to level for gift I want.
90 day theft/accidental damage covered.
Doubles Apple's one year warranty to two years.
Only an idiot would pay cash when you can get 1% cashback on purchases and extra warranty. It adds up quite a bit for me at the end of the year.
I pay it off at the end of the month, 1% cashback, and you have a float period where your money is working for you before you have to pay off the statement.
Exactly. When you pay in full, It's an interest free loan. You get rewards. Plus, using a credit card gives me purchase insurance and tracking. Cash does none of that. Credit is not debt.
I use credit for everything and pay in full at the end of the period. I never pay interest. Lenders pay me to use their credit cards by granting rewards.
Debit card of course.