# How do you pay? **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [March 6, 2012, 8:26pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019 "2012-03-06T20:26:05Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![King](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/king/32/7329_2.png) [@King](https://forums.speedlife.net/u/King)\ **Post date:** [March 6, 2012, 8:26pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/1 "2012-03-06T20:26:05Z")
Just curious what most people do…more interested in who uses charge and actually gets their annual fee worth in benefits, if so what benefits… ---
**Author:** ![cougarspeed](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cougarspeed/32/7468_2.png) [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)\ **Post date:** [March 6, 2012, 8:32pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/2 "2012-03-06T20:32:16Z")
I used to charge everything and pay it monthly and would get a few hundo a year from rewards cash back in doing so. Being lazy I just pay for everything by debit/cash now. ---
**Author:** ![Mike93](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/mike93/32/7325_2.png) [@Mike93](https://forums.speedlife.net/u/Mike93)\ **Post date:** [March 6, 2012, 8:38pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/3 "2012-03-06T20:38:02Z")
Credit card 99% of the time, pay balance off twice a month. My card is through HSBC, no annual fee and the rewards are good for flights. Definitely worth it, for me…as long as balances are paid to $0 I don’t know why cash/debit would even be considered. ---
**Author:** ![King](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/king/32/7329_2.png) [@King](https://forums.speedlife.net/u/King)\ **Post date:** [March 6, 2012, 9:05pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/4 "2012-03-06T21:05:16Z")
For those not familiar, credit cards can carry a balance…charge cards must be paid that month you don’t have a choice, like a traditional AmEx… ---
**Author:** ![\_Punisher](https://avatars.discourse-cdn.com/v4/letter/_/bb73d2/32.png) [@\_Punisher](https://forums.speedlife.net/u/_Punisher)\ **Post date:** [March 6, 2012, 9:07pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/5 "2012-03-06T21:07:39Z")
cash money ![http://tannervaughn.com/wp-content/uploads/2011/11/makeitrain.gif](http://tannervaughn.com/wp-content/uploads/2011/11/makeitrain.gif) ---
**Author:** ![Motocrossx23](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/motocrossx23/32/5120_2.png) [@Motocrossx23](https://forums.speedlife.net/u/Motocrossx23)\ **Post date:** [March 6, 2012, 9:29pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/6 "2012-03-06T21:29:26Z")
I steal 80% of my shit, the rest…I use Discover. ---
**Author:** ![Kramer](https://avatars.discourse-cdn.com/v4/letter/k/97f17d/32.png) [@Kramer](https://forums.speedlife.net/u/Kramer)\ **Post date:** [March 6, 2012, 9:35pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/7 "2012-03-06T21:35:12Z")
> [@King](#): > > For those not familiar, credit cards can carry a balance…charge cards must be paid that month you don’t have a choice, like a traditional AmEx… Hmm…i have an amex card with a small balance…i dont pay it off monthly…i guess im a bit confused ---
**Author:** ![PureEuroM3](https://avatars.discourse-cdn.com/v4/letter/p/3bc359/32.png) [@PureEuroM3](https://forums.speedlife.net/u/PureEuroM3)\ **Post date:** [March 6, 2012, 9:55pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/8 "2012-03-06T21:55:48Z")
No charge VISA with cashback gives me no reason to use anything else but credit. Just pay it off every two weeks and you’re golden! ---
**Author:** ![King](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/king/32/7329_2.png) [@King](https://forums.speedlife.net/u/King)\ **Post date:** [March 6, 2012, 10:01pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/9 "2012-03-06T22:01:11Z")
> [@strokingnova](#): > > Hmm…i have an amex card with a small balance…i dont pay it off monthly…i guess im a bit confused Then you probably have a blue card…those allow you to carry a balance but have a credit limit …traditional Amex ( green, gold, platinum, black) Have no limit, but you have to pay in full each month. ---
**Author:** ![snowracer101](https://avatars.discourse-cdn.com/v4/letter/s/258eb7/32.png) [@snowracer101](https://forums.speedlife.net/u/snowracer101)\ **Post date:** [March 6, 2012, 10:08pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/10 "2012-03-06T22:08:56Z")
> [@King](#): > > Then you probably have a blue card…those allow you to carry a balance but have a credit limit …traditional Amex ( green, gold, platinum, black) Have no limit, but you have to pay in full each month. anyone have an AMEX platinum or black? What are the perks? A co worker of mine got approved for a black (he went a year putting 100% of his purchases on his AMEX card) and said it seemed the benefits didn’t outweigh the annual fee from what I hear, the past few years, AMEX has dropped the ball with the higher end cards… practically giving them out…and lacking on the benefits ---
**Author:** ![Freek](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/freek/32/7357_2.png) [@Freek](https://forums.speedlife.net/u/Freek)\ **Post date:** [March 6, 2012, 10:53pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/11 "2012-03-06T22:53:18Z")
I rock it old skool. Cash is king! ---
**Author:** ![SnowboardinWNY](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/snowboardinwny/32/5182_2.png) [@SnowboardinWNY](https://forums.speedlife.net/u/SnowboardinWNY)\ **Post date:** [March 6, 2012, 10:59pm UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/12 "2012-03-06T22:59:52Z")
Usually cash, I hate credit card receipts and don’t throw them out like I do cash receipts. ---
**Author:** ![misteroman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/misteroman/32/7423_2.png) [@misteroman](https://forums.speedlife.net/u/misteroman)\ **Post date:** [March 7, 2012, 4:00am UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/13 "2012-03-07T04:00:23Z")
All cash or discounted gift cards that are paid for with cash ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [March 7, 2012, 4:14am UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/14 "2012-03-07T04:14:54Z")
Credit and pay it off each month. I’ve got a Wells Fargo card that kicks 1% back to my mortgage principal. Between gas, daycare, groceries, utilities auto-pay and all the other shit it ends up being a pretty nice payment toward the mortgage each year. If we traveled more I’d switch to a miles card but we’re not big travelers. ---
**Author:** ![POOPRA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/poopra/32/7188_2.png) [@POOPRA](https://forums.speedlife.net/u/POOPRA)\ **Post date:** [March 7, 2012, 5:05am UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/15 "2012-03-07T05:05:31Z")
I usually try to use cash at local businesses and restaurants, everything else I put on the card. ---
**Author:** ![GV1390](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/gv1390/32/5432_2.png) [@GV1390](https://forums.speedlife.net/u/GV1390)\ **Post date:** [March 7, 2012, 5:48am UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/16 "2012-03-07T05:48:37Z")
Debit/Cash. ---
**Author:** ![LUKE\_L](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/luke_l/32/7462_2.png) [@LUKE\_L](https://forums.speedlife.net/u/LUKE_L)\ **Post date:** [March 7, 2012, 6:12am UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/17 "2012-03-07T06:12:38Z")
Gas/Groceries are typically Credit/Debit but I typically have cash on hand for everything else. Anyone else write checks/snail mail for bills? I do. ---
**Author:** ![ProgRocker](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/progrocker/32/5434_2.png) [@ProgRocker](https://forums.speedlife.net/u/ProgRocker)\ **Post date:** [March 7, 2012, 6:13am UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/18 "2012-03-07T06:13:37Z")
Cash usually for Bars and Debit for everything else. I almost never carry cash. ---
**Author:** ![livin4hockey](https://avatars.discourse-cdn.com/v4/letter/l/d2c977/32.png) [@livin4hockey](https://forums.speedlife.net/u/livin4hockey)\ **Post date:** [March 7, 2012, 6:14am UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/19 "2012-03-07T06:14:07Z")
Discover almost everything then pay it off once or twice a month. ---
**Author:** ![Londonmax](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/londonmax/32/5914_2.png) [@Londonmax](https://forums.speedlife.net/u/Londonmax)\ **Post date:** [March 7, 2012, 6:21am UTC](https://forums.speedlife.net/t/how-do-you-pay/221019/20 "2012-03-07T06:21:15Z")
Rubber Band Man ![http://media.mtvne.com/manual/intl/warner/2009/USATV0300677_640x480_01.jpg](http://media.mtvne.com/manual/intl/warner/2009/USATV0300677_640x480_01.jpg) [Next page](https://forums.speedlife.net/t/how-do-you-pay/221019.md?page=2)