[Yugocean]

Generally the rules are different in every country and banks, somewhere there is a discount on card payment, somewhere there is a higher expenditure. So if you choose to pay by card, then keep your expenditure in mind by carefully considering its pros and cons.

For example -
Bank charges extra for this - so don't use
Bank or merchant offers a discount on this - then use
The bank charges a fee but the merchant gives a discount - so compare the two and use the card only if you avail the discount/cashback.

Example 2 -
Many banks charge a fee on credit card but not on debit card, because they want people to invest in their bank in advance (they use this investment to facilitate credit card holders). Use debit card only to avail all benefits that bank offers.

[Treborika]

I normally use cash when doing offline purchases. However, I can use my credit card in supermarkets when paying with a card attracts some discounts on the shopping.

[JASPREET]

I always do that Yugocean and that's how I am able to save on my expenses and get cash back on my payments

[augusta]

I understand you we should try to use our card only when they are no charges using the card.

[Starry]

I use credit card quite often for cash back and rewards. I don't need to pay for annual fee for my credit card and I always pay my credit card bill on time. Never pay any interest or penalty.

[augusta]

I use credit card quite often for cash back and rewards. I don't need to pay for annual fee for my credit card and I always pay my credit card bill on time. Never pay any interest or penalty.

This is the way to go every one that want to do away with card charges should go this route to get it right

[Vehlijanta]

Banking system is such so if you don't use it smartly you'll be charged with hefty fee

[augusta]

Another thing is to be careful when using your card you can overspend with your card which is not good

[Treborika]

I normally use my bank cards on shopping in malls when there is an offer or discount on special items.

[Luis911]

I understand you we should try to use our card only when they are no charges using the debit card

[augusta]

Yeah it will help one to save money that way especially from unnecessary charges