I spent the weekend shopping. I’m not one that likes to shop but in order to get the best deal sometimes I just have to bite the bullet and shop. Many times the first place I check has the best price but that is a whole other story.
So, this weekend my son and I had to shop. He had no desire to be there any more than I did but we suffered through. The entire day ended up being a conversation about credit cards. As we would go through each checkout, Kennedy would listen to see if shoppers were paying with debit or credit – I think we were the only ones with cash at the few stores we went to.
I have never paid any attention to who pays with credit and who pays with debit. But, Kennedy was quick to note how many people used a credit card even in the grocery store. In his limited understanding of shopping, he came to the conclusion that these people probably didn’t have much money. I on the other hand immediately thought maybe they just wanted airline miles.
Then I was talking to my neighbor and she was complaining about her husband using credit cards. He does pay off the cards each month but she is embarrassed when they go out to dinner and he uses his LL Bean card to get the points. She said she actually feels poor when they use the credit card.
I have never been one to use a credit card for minor purchases but I often used it for big purchases $500+. I also have never given much thought to the people who use cards as to if they can afford or not whatever the purchase.
So, I want you thoughts. Do you have a perception of people who use credit cards? Do you use your card for minor everyday purchases? Or are you in the Dave Ramsey credit cards are evil camp?