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> Credit Card Info, Unnecessary info kept by park(s)?
jan-n-john
post Nov 17 2012, 03:22 PM
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QUOTE(Lindsay Richards @ Nov 16 2012, 12:33 PM) *

The bottom line here is that in our society, there is still a risk to using a credit card for anything. Even paying your electric bill online can be a problem. We all have two options, we can pay cash or we can use credit cards and use due diligence in keeping up with our accounts and making sure that any discrepancies are found and corrected immediately. The thieves are very clever and very computer savey. I bank online and check them daily over the internet. I enter all receipts into Quicken and check off the bills as they come in. If there is a problem, I know right away and get it corrected.

But of course paying with cash brings its own risks. Cash can easily be lost or stolen. There are also hassles of getting cash -- if you don't use any card, you need to go to the bank and get cash across the counter, and the less cash you want to risk carrying the more frequently you have to go. You can use a debit card at an ATM, or for extra cash when you do a transaction at a store, but then you're back to using plastic in order to use cash! Clearly going principally to cash is not a viable option for most of us, especially when traveling around in our RVs.

Keep in mind that even in the case of fraud, you're total loss is limited to $50 in most cases provided you haven't been negligent. Generally you won't even have to pay that. And the CC companies are pretty good at spotting potentially fraudulent use, too good in fact since it's a pain when they put a hold on your card for things like buying gas in two different states within a short time period.

Modern living.
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Florida Native
post Nov 18 2012, 09:45 AM
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I stopped carrying change about 5 years ago. I carry bills, but never have any change in my pocket. I pay for everything with my debit card. All my bills are paid online. Every once and a while I I write a check. We keep quarters in the cars and my wife has a whole Tupperware dish of quarters for washers and dryers when we camp. We took the motor home through a toll road in Orlando yesterday and I asked the lady for $5 worth of quarters. Right into the Tupperware it went. I put all receipts into Quicken electronic check book and check my online account every morning. This works well for us.


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jan-n-john
post Nov 18 2012, 07:26 PM
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QUOTE(Lindsay Richards @ Nov 18 2012, 10:45 AM) *

I stopped carrying change about 5 years ago. I carry bills, but never have any change in my pocket. I pay for everything with my debit card. All my bills are paid online. Every once and a while I I write a check. We keep quarters in the cars and my wife has a whole Tupperware dish of quarters for washers and dryers when we camp. We took the motor home through a toll road in Orlando yesterday and I asked the lady for $5 worth of quarters. Right into the Tupperware it went. I put all receipts into Quicken electronic check book and check my online account every morning. This works well for us.

My wife too has that tupperware thing full of quarters. She loves doing laundry, anyplace, anytime.

I generally pay cash for things under $25 or so, depending on my mood. But I use a credit card not a debit card for the most part. I like the float. But I never fail to pay in full when the bill is due, using my bank's free bill payer service of course.
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Florida Native
post Nov 19 2012, 08:32 AM
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We use BOA credit/debit card and there isn't much float. I can make a purchase and drive right home and check my online banking records and it is already out of my account. The only exception seems to be when at a restaurant. The meal comes out immediately, but it is conditional and if you leave a tip on the card, it can take 3 or 4 days for the tip to comes through. We usually leave the tip in cash to avoid confusion. Being a waiter back in the last century, I am a good tipper. I have gotten over that foolish feeling of putting $2 on the card. I really like Quicken as it is just like an electronic check register, but puts everything into categories, so you can keep a good handle on what you are spending. There are also free similar versions of this type of program. I also have Carbonite online backup, so all records are out in the "cloud" if the computer dies.


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