Everyday expenses on credit card

[Lee_Bo]

Or just use savings?

Well I specifically have my savings account set up that I have to go to the bank to access it. So if I have to use my cc for emergencies, it gets paid off with my savings.

This process, over the 36 years I’ve been working, is allowing me to retire at 60.

 

[Roller]

Credit card for extreme emergencies, debit card for everything else.

That makes sense for people who tend to overspend when they use a credit card, can't afford to pay off the balance every month, and/or for whom the benefits don't warrant the yearly fee. But I use credit (Amex, if accepted) for almost all purchases. The rewards and protection, especially for damage, loss, or dispute, are very much worth it for me.

 

[Gutwrench]

The rewards and protection, especially for damage, loss, or dispute, are very much worth it for me.

Have you ever filed a warranty or loss type claim with Amex? How did it go? I’ve made a couple customer service type calls and the service was spectacular. Maybe that description is over the top, but the experience was excellent.

 

[Roller]

Have you ever filed a warranty or loss type claim with Amex? How did it go? I’ve made a couple customer service type calls and the service was spectacular. Maybe that description is over the top, but the experience was excellent.

I've done it a few times with great results. One was for a pair of $700 glasses that were damaged a few weeks after I bought them. Another was for a computer repair under extended warranty. Amex paid me quickly each time. And I agree with you about customer service in general. When I lost my Amex card last year, I had a replacement within a day or two. They also took care of transferring automatic payments from the old number to the new one.

 

[Apple fanboy]

Have you ever filed a warranty or loss type claim with Amex? How did it go? I’ve made a couple customer service type calls and the service was spectacular. Maybe that description is over the top, but the experience was excellent.

Well they do charge 1% more for retailers so they can afford to!

 

[satcomer]

I rarely use credit cards anymore and just use prepaid cards at online store because of all the hacks over the years! They can be bought at most grocery stores anymore!