Credit card debt is at a record $1T plus...

[uallas5]

Wait a minute.

You guys not using debit cards for your day to day shit? Credit cards? Why?

I never use a debit card, I don't even know where it is in the house. I also hardly use cash

My CC's:
JetBlue - most purchases plus double points at restaurants & bars.
REI - REI purchases (10% back) and my cell phone bill, gets me free phone insurance plus 1% back.
Amazon - Amazon purchases - 5-6% back.
Lowe's - 5% back on DIY schtuff.

Wife and I pay off all balances monthly.

They do it in the US too. Usually 3%, sometimes 4 or more. Some do it, not all. Part of what's being discussed above.


What's weird is that the fee is added into the charge total. Then the rebate/bonus/points are calculated on the total. So you're be getting a rebate on the swipe fee charge. In some cases you may get 5% back on that 3% charge. Granted it's probably less than a penny in many cases, but still ....

The only time I've seen a swipe fee it's listed at the cash register, usually at small stores/bars/restaurants.

 

[Drach]

^^^ Like I said, mine was refunded in about 4 business days over a holiday weekend. Maybe it was the small amount. Maybe it was a known problem.

It seems like YMMV in the states.
Sorry Mai72. I hope you can post again soon.

 

[dank69]

They do it in the US too. Usually 3%, sometimes 4 or more. Some do it, not all. Part of what's being discussed above.


What's weird is that the fee is added into the charge total. Then the rebate/bonus/points are calculated on the total. So you're be getting a rebate on the swipe fee charge. In some cases you may get 5% back on that 3% charge. Granted it's probably less than a penny in many cases, but still ....

I use my credit cards for every purchase I possibly can. I've seen maybe one or two retailers in my life that charge a swipe fee, and it is posted at the register that they add a CC fee. The poster I was replying to made it sound like adding a swipe fee was ubiquitous where he lives.

 

[vi edit]

Between Hilton and Amazon I get a shit ton of free rooms and knick knacks. The Amazon card really starts to add up if you purchase through Amazon. I got like 35% off retail rates at Avis and then another $150 in Amazon credit afterwards. Plus every little household thing just adds a few bucks back that add up over time.

Hilton goes to Honors points that add up fast on $200+ hotel rooms. Plus I'm diamond with them and that gets free parking and breakfast. Worth a lot just for that.