[Yugocean]

Many people, especially women, are fond of shopping; they should use cash instead of a credit card to save money.

It would seem strange to you that when the cashback offer is with the card, how will using cash instead of the card lead to savings? Won't it cost more? 
However, I thought carefully before making this thread.

Think about it: a "credit card" encourages you to shop on credit, so while shopping, you may end up making unnecessary purchases in the name of cashback, but the expenses will not be covered by cashback.

If you shop with cash, then you will not be able to exceed your shopping budget. This will control the habits of shopping enthusiasts.

[Shavkat]

Honestly. I never had credit cards in hand. The primary reason is that I do not want to be like others. They use credit cards without thinking. In the end, they are buried with so many debts because of it.

[nela13]

If you have real money in your wallet, it's much harder to spend than if you use a card. With the card, we don't see the money and sometimes we only realize how much we spent when we look at the bank account.

[augusta]

yes I totally agree with you having a credit card will make you spend more but when with the cash you will spend less.

[Fergal]

I've recently started using Google Wallet on my phone to make most payments. It really is too easy to pay in this way, it doesn't feel like spending money at all. Sometimes I have even noticed myself paying for something, without knowing how much I was actually paying - a very bad habit. Based on this, I can understand how implementing your tip, would help control spending and save money.

[Yugocean]

Thanks, you liked this.
I myself don't use credit card, I only have a debit card, and that too I only use to withdraw a limited and fixed budget (cash) from ATM. Not more, this keeps my spending under control.

[harimuktisob]

That's right, because keep in mind that credit cards have an interest rate that causes you to pay more than the original price, even regarding your annual fee. So it would be better if you save before buying, rather than using a credit card even if you want to

[kinansusantini]

You don't need to pay for an annual fee if you are not applied for credit card user and it will save you more than if you are using credit card

[misha]

Credit is only good when we are shortage of cash ..it's good only in emergency when we need to buy something but we don't have cash

[oldbuddy]

Thanks to the Internet, I always have money in my account, so I always use a credit card for purchases and never carry cash that I might lose with no protection to recover it. I just bought a new computer from Amazon on my credit card and earned Cash Back even though I paid off the purchase the next day. Over the last year I earned over $1,000 USD in Cash Back rewards. It all comes down to discipline and financial responsibility.

[misha]

credit is good only when we are shortage of cash..

[Vehlijanta]

This is why it's better to shop with the help of a debit card as it's same as cash

[darkuszerx]

I will never touch some kind of credit card because it is better to pay with cash or debit rather than credit card

[vbludwig]

It is great to use cash or debit than you need to use a credit card. Because cash or debit can save you more by not paying anything in debt

[Yugocean]

Credit card busines is how they create for businees. People keep coming to tell us to use credit card, and I understand that I do not even need.

[dvanbasten]

I am a wasteful person, so I choose not to have a credit card and prefer to use cash.

[Yugocean]

Don't apply for credit card = problem solves, just reject promoters who promote credit card.

[Mika]

You can actually save money by using credit cards. You can earn points when you use credit cards, you can convert your points to cash discounts or other benefits

[blackstar2022]

Though, carrying cash is better than cards,but I prefer credit card because it is more convenient and safer. Am living in an environment that have high level of insecurity and uncertainty. One of my friends was robbed immediately he finished withdrawing money from ATM

[Pousinha]

You can actually save money by using credit cards. You can earn points when you use credit cards, you can convert your points to cash discounts or other benefits

Yes, of course! In my case, I use 2 credit cards to get more interest through investments, in addition to seeing clearly how much my couple is spending. Explaining better: my credit cards cost zero. No annuity, no monthly fees. As I can pay what I purchase only later, after a month, I don't need to withdraw investment to buy food, medicines and other medical cares (my circumstances are very curious: as my income from my business is not enough, my couple needs my investments to make ends meet), not until they generate interests and return to my currency account after their deadline. It's very better since I'm using credit cards, but I understand my situation is very uncommon and other people, instead, need to get rid of their credit cards to save money.