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| Topic | Do you typically pay your full credit card balance? |
| DarkTransient 06/22/18 6:08:36 PM #59: | When I had one, I'd spend on it, and each day transfer funds to it to pay it off completely. I was spending something like 4x my credit limit per month, but because I was never over the limit at any given time (due to also making these payments) it was never a problem. Meanwhile, dem reward pointz... But nowdays, I figured the rewards weren't worth the fees, and so I've gone back to just a debit card. Disclaimer: If what I've heard about US banks is true, you probably WILL get in trouble and hit with over-limit fees / interest or whatever if you try what I did, in the US. Banks are a bit nicer here. Also note, having one or the other is pretty much essential here. No one bothers with cash anymore, and some shops are starting to refuse cash over a certain value. Also, in the case of debit cards, they're $5 per year, or possibly even free, depending on the type; with almost no other fees (there's something like a 20c fee for using a different bank's ATM, that's pretty much it). The ones that you can actually use online / etc as if they were credit cards cost the $5; ones you can only use at ATMs or POS terminals are free. --- ... Copied to Clipboard! |
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