British Expats - Getting multiple credit cards

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British Expats (https://britishexpats.com/forum/)

- USA (https://britishexpats.com/forum/usa-57/)

- - Getting multiple credit cards (https://britishexpats.com/forum/usa-57/getting-multiple-credit-cards-825467/)

sir_eccles

Feb 19th 2014 6:34 am

Re: Getting multiple credit cards

Quote:

Originally Posted by hungryhorace (Post 11137628)

Yep, I'll grant you that one. Though, by using the debit card you're probably losing out on the credit card rewards of course.

It is possible that debit cards have rewards too.

Though for me, everything goes on my credit cards for the miles.

Hotscot

Feb 19th 2014 6:40 am

Re: Getting multiple credit cards

I use my United Rewards CC 99% of the time, paying it off every month.

Haven't paid for an international flight in 5 years:)

durham_lad

Feb 19th 2014 7:01 am

Re: Getting multiple credit cards

Quote:

Originally Posted by hungryhorace (Post 11137573)

What is the advantage to using a debit card for *any* purchase (apart from to avoid potential transaction fees)? I see none.

The only time I use my debit card for purchases is buying liquor at Specs who give a 5% discount for cash.

MidAtlantic

Feb 19th 2014 7:05 am

Re: Getting multiple credit cards

Quote:

Originally Posted by HannahJ38 (Post 11136880)

I wouldn't go overboard on credit cards, It's fine to have more than one, and it is good for credit score, as long as you can pay all the fees, but I would stick to one, if you are going to use the credit card, use it for one or two big purchases, such as booking a holiday but use debit cards for smaller purchases.

Most credit cards provide 100% cover against scammers, whereas debit cards don't. That's a big advantage in these Target times.

durham_lad

Feb 19th 2014 7:07 am

Re: Getting multiple credit cards

I like to have at least 2 credit cards for when one gets stolen or compromised. That has happened to us 3 times in the last 4 years, always while we are on a long trip. Never physically stolen, but the last time it happened the card was cloned. We had hold of our cards, and had been on holiday in Europe for 3 months, all sorts of charges at walk in stores such as Target and Gas stations started appearing in New York City.

Michael

Feb 19th 2014 8:33 am

Re: Getting multiple credit cards

Quote:

Originally Posted by sir_eccles (Post 11137610)

Cashback when checking out at the supermarket so you avoid ATM fees?

Discover Card gives cash back at supermarkets with no fees/no interest if you pay the balance in full monthly. You don't get rewards for the cash back but you do for everything else in that purchase.

If I use my Discover Card, a screen appears asking for the amount desired but if I use any of the other credit cards, that screen doesn't appear.

tonrob

Feb 19th 2014 11:08 am

Re: Getting multiple credit cards

Quote:

Originally Posted by hungryhorace (Post 11137573)

What is the advantage to using a debit card for *any* purchase (apart from to avoid potential transaction fees)? I see none.

Miles-earning debit card for transactions that can't be undertaken with a credit card. One of my personal favourites.

Pulaski

Feb 19th 2014 11:43 am

Re: Getting multiple credit cards

Quote:

Originally Posted by sir_eccles (Post 11137610)

Cashback when checking out at the supermarket so you avoid ATM fees?

So what do you need cash for? :confused: I think I survive on less than $20 cash a month.

Hotscot

Feb 19th 2014 11:54 am

Re: Getting multiple credit cards

The amount of cash I use is from recycled bottles and cans.

RICH	Feb 19th 2014 11:57 am

Re: Getting multiple credit cards

Quote:

Originally Posted by Pulaski (Post 11138257)

So what do you need cash for? :confused: I think I survive on less than $20 cash a month.

:goodpost: $5 for a take out lunch at the office that someone put on their card this week. The tenner I pulled out of my wallet had been there at least a month.

Pulaski

Feb 19th 2014 12:01 pm

Re: Getting multiple credit cards

Quote:

Originally Posted by hotscot (Post 11138271)

The amount of cash I use is from recycled bottles and cans.

If I get cash I get from the scrap yard I take it and deposit in the bank! :lol: .... Usually the scrap yard gives me a check.

Hotscot

Feb 19th 2014 12:17 pm

Re: Getting multiple credit cards

It generally goes in my cookie tin, saving for a new amp.

Bob	Feb 19th 2014 1:46 pm

Re: Getting multiple credit cards

Quote:

Originally Posted by hungryhorace (Post 11137573)

What is the advantage to using a debit card for *any* purchase (apart from to avoid potential transaction fees)? I see none.

Pain in the arse at some petrol pumps when you're out of state.

Same for debit cards actually for that matter....seem to work when you go inside to pay though.

Happened at a few places on our summer road trip, including Chicago.

sir_eccles

Feb 19th 2014 2:14 pm

Re: Getting multiple credit cards

Quote:

Originally Posted by Pulaski (Post 11138257)

So what do you need cash for? :confused: I think I survive on less than $20 cash a month.

Yes, me too. Though I always get scornful looks from the wife when I don't have a dollar to tip the complimentary valet which is becoming more and more ubiquitous here in Phoenix and harder to avoid.

RICH	Feb 19th 2014 2:23 pm

Re: Getting multiple credit cards

Quote:

Originally Posted by Bob (Post 11138353)

That's ironic (or understandable), as when my debit card got cloned a couple of years ago, it was 3 gas station transactions outside Florida, that triggered the bank to notify me of suspicious activity, and cancel the card.

Also in the local news just today, a local Hess station issued a warning as they found skimmers on (inside somehow) some of their pumps.

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