Originally Posted by Black Talon
Cash if I have it. Debit card if I donít.
yep, same here.
Here is another thing I do though. If I am asked "credit or debit", how I run it depends on the amount. Since credit cards charge 3% and debit cards charge $0.50 per transaction, if it's $15 or less I'll run it as a credit card (= $0.45), if it's more than $15 it gets debited.
I also always
run it as a credit card when filling up with gas. When filling up, if you use it as a debit card, the bank will hold out $75 until the actual charge comes in. If you run it as a credit card they will only hold out $1, and some weeks, than makes all the difference.