How low do you go with a debit card?

[Ari]

I hate having masses of change jangling about. I used to only used a debit card for purchases over £10 but now I use it for everything. I paid for an 89p bottle of water with it yesterday. No change - perfect!

Unusual, or do lots of people buy small change items with theirs?

[anonymous-user]

paper 25p but use the self service ones to not look like a cheapskate, not sure why i think that.

[HTP99]

I'm the same, I hate change in my pocket and a bit like the Queen; I generally never have cash on me, I have bought a packet of gum using my debit card.

[t400ble]

Contactless really is the way forward

Buying beers in the Wetherspoons last night and just used my card. 1 second zap and its paid for.

[megapixels83]

I don't use my debit card but I use my credit card for anything as long as the shop doesnt have a limit.

In New York I bought a 50cents bottle of watet on my USD credit card, shop keeper didnt bat an eyelid.

[DaveJns]

I thought this was going to be about the 'tesco' current account - the card looks massively naff! Not a bad rate though.

Back on topic, I'm the same and use it for everything. I used to feel guilty but even cashiers seem to prefer it these days - it's only one button on the till for them these days and no change to count.

[Council Baby]

Generally use cash for everything under £100, helps me know where I stand with spending when pissed, and keeps receipts to a minimum.

The other thing is I always keep cash in one pocket and cards/wallet in another, never risk losing both.

[Johnny]

Yep, use my Amex for contactless on everything I can. Think I got 'nana from Waitrose at work the other day, 30p.

Rarely have change on me and it just seems so last century having to find some when I want something from the vending machine and need it.

[Jasandjules]

I don't think many places over here accept them for less than £5 or so.

[ZOLLAR]

Council Baby said:

Generally use cash for everything under £100, helps me know where I stand with spending when pissed, and keeps receipts to a minimum.

The other thing is I always keep cash in one pocket and cards/wallet in another, never risk losing both.

Do hookers give receipts now?

[Hasbeen]

I have $1000 a fortnight go into my operating account. Once a fortnight I draw the spending allowance I give myself, & that's it. If I run out of cash, I stop spending. Nothing like a bit of discipline to avoid excess debts.

The remainder is designed to cover, with a bit to spare, all my fixed expenses. Rates, registrations, insurances, phone, internet, groceries & usually has enough built up for tyres & servicing costs etc.

I have a debit card on that account, but have never owned a credit card.

[RizzoTheRat]

megapixels83 said:

I don't use my debit card but I use my credit card for anything as long as the shop doesn't have a limit.

Same here, I've bought a mars bar on my credit card before now. When I get between 0.5% and 3% cashback on my credit card why would I use cash or a debit card?

Went on holiday to Iceland last year and didn't use cash at all, they even have drink/chocolate vending machines that take cards. The bloke we went diving with took credit card payment in his van a couple of miles from the nearest building.

[mike-r]

Never have cash, takes ages to get rid of properly. I was chased out of the supermarket the other day for leaving 3p in the self service dispenser because it didn't understand 'keep the change'.

[Carthage]

I generally use cash, partly because I'm on a teeny budget, and also because I often have to use an annoying 5p toll bridge.

[FailHere]

Council Baby said:

The other thing is I always keep cash in one pocket and cards/wallet in another, never risk losing both.

Assuming that you manage to hang on to the garment that contains the pockets.

[Jezzerh]

Rarely carry any coins at all and use cards to pay for everything. Only issue is when you use a car park that has old fashioned coin-only machines, then I'm fked!

[Martin_M]

I've started to rely on it more and more over the years, the downside being that I think it's easy to fritter money away than when I have actual cash in my pocket.

I hate paying an additional fee for using my debit card (and not even when I'm under a minimum spend!) as per my local convenience store.

[Council Baby]

FailHere said:

Assuming that you manage to hang on to the garment that contains the pockets.

Never failed to yet, even by hand

Zollar - it's a legitimate business expense!

[Alucidnation]

People that use debit/credit cards for anything less than a fiver are a pain in the ass and hold the que up for everyone else.

[Council Baby]

Alucidnation said:

People that use debit/credit cards for anything less than a fiver are a pain in the ass and hold the que up for everyone else.

Agreed, but u took an e.