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Preferable payment method__Cash or credit cards.
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[QUOTE="Mikes smithen, post: 308054, member: 90053"] When it comes to payment, people have different preferences for cash and credit cards. Both payment methods have their advantages and disadvantages, and the choice between the two depends on individual circumstances and preferences. Here are some factors to consider when deciding whether to use cash or credit card: CONVENIENCE: Credit cards are more convenient than cash for larger purchases, as they eliminate the need to carry around large amounts of money. Additionally, credit cards can be used for online purchases and in stores that do not accept cash. SECURITY: Credit cards offer more security than cash, as they can be cancelled if lost or stolen. Additionally, credit card companies typically offer fraud protection and liability coverage. BUDGETING: Cash can be helpful for budgeting, as it allows you to physically see how much money you have left. When using cash, it is easier to stick to a budget and avoid overspending. FEES: Credit cards often come with fees, such as annual fees, interest rates, and transaction fees. Cash, on the other hand, does not have any fees associated with it. REWARDS: Credit cards offer rewards such as cash back, points, and airline miles, which can be beneficial for those who use credit cards responsibly. However, it is important to pay off the balance in full each month to avoid accruing interest and losing any potential rewards. CREDIT SCORE: Using credit cards responsibly and paying off the balance in full each month can help improve your credit score over time. Cash, on the other hand, does not have any impact on your credit score. Ultimately, the choice between cash and credit cards depends on individual circumstances and preferences. While credit cards offer convenience, security, and rewards, cash can be helpful for budgeting and avoiding fees. It is important to use credit cards responsibly and avoid overspending, and to always have some cash on hand for emergencies or situations where credit cards are not accepted. [/QUOTE]
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