Wednesday, May 5, 2010

Credit vs. Debit

So today I went to Wal-greens to get some of our disposable pictures that we took while snorkeling developed. They turned out great (although some of them of us with our masks on were HILARIOUS. Our faces were all smushy. Maybe I'll post one soon.) Anyway, I paid with my debit card, but I always select "Credit." And here's why:

I get REWARDS! I get 4 points to each dollar I spend because I pay 25 dollars a year to be a part of the Chase Rewards program. I'm definitely buying into their scheme to spend more, but I really have accumulated lots of points over the last year or two. (We RARELY redeem them...which is what they probably hope you will continue doing...haha)

Anyway, stores desperately want you to enter your "pin number" because they actually have to pay 1.8% of the transaction amount to the credit card company when you select Credit. That's why they make it very difficult for you to get away from a debit transaction. They have you hit some random button that you don't know about until you ask, then the cashier has to select "credit," etc. This whole scenario that usually happens at least once a day makes me assume that I'm being judged. This is what I assume is going on inside the head of the store clerk when I push or say "credit." :

"This stupid young girl is probably in so much credit card debt that she doesn't know how to stop. She even buys her groceries on credit?/She is buying a pop at the gas station with CREDIT? Get a hold of yourself. Did you know you have to pay those back?!" ...etc etc.

I always want to say, "this is actually going to be taken from my bank account just like a debit transaction would, but I'm trying to get rewards." lol. I care too much what other people think.

Has anyone else ever felt this way? or am I a total weirdo?

PS. I completed one of my bucket list tasks on our Jamaica vacation! Can anyone guess what it was?!? (see posting from a long time ago)

PS2. I'm going to be developing a second blog as more of a way to develop myself as a writer...a more professional blog! Updates to come

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