cybercat wrote:
> I was talking about using them and not paying off the balance. If
> you
> read the thread, you saw that the point JOAN objected to was my
> opinon that credit cards are not any more a "useful tool" for those
> who consistently pay them off every month than debit cards. It's a
> waste of time paying for things twice, once with a credit card then
> later that month when you pay the balance on the credit card. And of
> course, there ARE yearly fees on some of them. I don't use them now
> but I have in the past.

I use my debit card when I'm face-to-face with the seller. I use my
credit card number when I shop online (provided the internet seller
has a secure site; i.e., https. and is a reputable seller). Those
charges get paid off monthly. I seldom use cash nowadays.