which card you use to purchase TF and toys?

[TFtoys]

^ so Visa is more secured than Debit ?

[Cheers Ian]

I use either Debit or Credit - PC Financial.

The PC points really add up quickly. In 8 years I've probably accumulated over $1000.00 worth of free groceries.

Cheers!
-Ian

[Richter]

Originally Posted by jourdo

I'm not a big fan of the store credit cards either. As for what I actually use... I put everything through on my TD travel rewards card.

^
This

This summer I bought 2 plane tickets Vancouver to Toronto, and a hotel room for 2 for a week, and a rental car for that time all on points.

Travel points are awesome!!

[TFtoys]

I don't like to travel, but if if I could collect some points by using the cards while I am paying my tuition and textbooks.

[pud333]

Originally Posted by Aernaroth

Honestly, the rewards systems on all those cards are so minor, it really doesn't matter which you use, because it'll take you seven forevers to earn enough "points" to redeem them for anything worthwhile.

This.

I just use my regular MC for virtually all purchases and just pay off the balance right away. The WM MC looks more like a regular credit card specific to WM perks (eg: Canadian Tire MC), than it does a third party retail card (eg: Future Shop, Brick, etc). Though don't take my word for it since I haven't specifically checked it out. The latter are brutal. Sometimes the interest rate can be upwards of 25%. Avoid those at all costs.

Bottom line: If you can't pay for your toys or basic entertainment goods like a TV, DVDs, etc. in cash, then you cannot afford it. Just sayin'.

[Mumps]

I just use normal debit. I don't want to bother with any of the thousands of points cards... My credit card is for online purchases, and emergencies only.

[Benzo]

I mostly use my debit card. if I'm making a big purchase then I will use my visa or mastercard.

[CBII]

Normally debit. Never a credit card and especially never one of those stupid store CC's. Have you seen the interest on those things. I don't have a signel CC that has more then 12.99% max for interest. My fave is the 3.99% mastercard I have. So nice not getting jacked by interest rates.

Right now I'm a cash only guy. If I have the cash I'll consider buying it. If not then it waits till next payday when I get my cash again.

[BadJeff]

Originally Posted by CBII

Normally debit. Never a credit card and especially never one of those stupid store CC's. Have you seen the interest on those things. I don't have a signel CC that has more then 12.99% max for interest. My fave is the 3.99% mastercard I have. So nice not getting jacked by interest rates.

Right now I'm a cash only guy. If I have the cash I'll consider buying it. If not then it waits till next payday when I get my cash again.

Keep in mind if you have good credit you can negotiate those high store cc rates..
I use my Canadian Tire mastercard for everything. Rate is under 10% and as an "elite" member i get heaps of canadian tire cash.
I use the card as if it were my debit card and just make a payment everytime i use it. If i'm going to spend the money might as well get CT Cash for a kickback.
Did i mention i love Canadian tire cash....

[jourdo]

Originally Posted by CBII

Normally debit. Never a credit card and especially never one of those stupid store CC's. Have you seen the interest on those things. I don't have a signel CC that has more then 12.99% max for interest. My fave is the 3.99% mastercard I have. So nice not getting jacked by interest rates.

Interest rates are only an issue if you carry a balance. I'm a pay it off every month guy, so I figure I might as well get something for spending my money on everyday items.