Do you refuse to pay on card under a certain amount?

molerat

Card / Google Pay for me on almost everything. Points worth 1p per £8 spent on my Tesco credit card and 2p per £1 spent on my Tesco debit card in Tesco - every little helps. Santander 0% card kept close to the limit so I re-spend the monthly payment. I generally use under £40 per month cash.

18cc

I pay for everything with card BUT if it is a small amount I usually ask if it is OK or would they rather I pay cash - invariably the answer if they don't mind - card or cash. So I use card.

JuicyJesus

I'm struggling to think of a reason why I would refuse to pay by card if the option is available. What would I gain from it?

Wheres_My_Cashback

Rarely use/have cash, just some loose change in the car which has been there for a couple of years.
Probably receive/write 2-3 cheques per year, but only because I have to due to antiquated systems.
Haven't used a debit card in 10+ years, absolutely everything goes on credit cards, different cards for different types of purchases or spending amount dependent upon which one will return more in cashback/points for that particular purchase.
Pay 5p for tea at work so have dozens of 5p transactions per month on my statement.
Purchase up to 19 5p teas pm via my Tesco c/card as Tesco do not claim for them and write balances off under £1 ;-)

JES_F1

I too use a card or mobile everywhere, rarely paying cash. The main reason is to get cashback but it's also quicker and easier than cash. I also find it a good way to monitor what I'm spending.


Our work restaurant used to have a £5 minimum spend for cards. They dropped that earlier in the year and have found that most purchases are now by card, and have even seen an increase in sales, particularly for drinks.

Robisere

I use my contactless card for everything < £30, and the debit or credit card for everything else. But Louth is my nearest town, it's a market town (3x a week) and I need cash to buy there. However, there are 3 ATM's in the market place, so no need to get cash unless I actually see something we want or need. In town there are just two places which require cash. Our small village shop, run by volunteers, has not only card payments but contactless. Which rather shows up the 2 town outlets which refuse to enter the 21st century! The couple who run our village shop retired here and decided they were bored by inaction, they also would much rather customers pay by card, but understand that there are elderly people in the village who are only used to cash.

I would never be embarrassed to pay by card: last week I bought one bottle of milk by contactless in Heron. No one gives a hoot nowadays.

Missus_Hyde

It does depend on how much cash I have on me (I do like to keep a little knocking around in case I need it) but by and large I pay for most things on a card.

The other day I paid £2.50 for a cup of coffee; the girl in the cafe said they only took card payments for £5 and over, so she took £5 on my card and gave me £2.50 in change.

Nick_C

Newly_retired wrote: »

I don’t have a set lower limit, but in practice it is usually anything over about £7. I still need cash to pay the bin man, put in a collection tin, buy from a market stall or antique fair.

Huh? ?????

payless

Having purchased my shopping, realised I needed another bag... so 5p on card ( either that or break into a note).

Card for almost everything. Cash maybe for some parking and restaurant tips (prefer to give cash to server, but pay bill on card).

JustAnotherSaver

To go off at a slight angle here...


Why do some of you use credit cards for 'everything' (or most things)?


I understand the protection for things costing £100+ but why would you buy (for example) a newspaper on a credit card specifically (as in anything and everything)?