Eeny meeny miney moe, which of my cards are a go. I have a debit card and two credit cards.
For many many years, I used the debit card ALL the time because it seemed safer in terms of household budgeting to take the money immediately out of the checking account. It’s too easy to get behind by over-spending with a credit card. I did that ONCE when I was young and stupid but not stupid enough that I didn’t know better, banker’s daughter that I am.
I almost never use the debit card since it got hacked a couple years ago. It wasn’t that much money in the grand scheme of things but I did not buy $200 worth of Bombas socks and I fergit what else and I didn’t want to pay for that stuff since I didn’t buy it. The bank caught it and it wasn’t hard to get it refunded but because it was a *debit* card, I had to spend some time on the phone and file a claim (or whatever, I fergit the term.
I decided to re-jigger my personal payment system. Since that incident, I use one particular credit card for almost everything. I have an alert set up for every Monday morning at 7:00 AM to remind me to pay off my balance and I do it religiously. People have asked me why I do it weekly. Because I am not hit by the sticker shock of a monthly bill. I can afford that sticker shock but whyyyyyy? It takes maybe 30 seconds to pay the bill.
So that credit card expired on Sunday. The replacement card still hasn’t arrived. I know the bank sent it because when I looked at that account online, it gave me instructions for activating the new card. But… We were out of town and had the mail held and I think there was a snafu somewhere in there. So I reported the card lost and am now waiting for a new one.
All right, the last day my credit card was active, I was at the Plum buying [g]rocks (inside joke) and tried (for fun) to use my debit card. The u-Scan asked me if the card was debit or credit and I picked debit and it was a no-go. So I used my (still active) main credit card. Later on, I remembered that my debit card can also be used as a “credit” card (I do not understand this).
Today. I went to the Plum. I made sure my own personal shopper was there so if I couldn’t make my debit card work, I could get her to swipe her personal card and I would Venmo the money to her. As it turned out, telling the uScan I was using a *credit* card did the trick.
Later, I met the GG at the Sidetrack Bar & Grill in *Yp*silanti (not *Yip*silanti) and I tested out an alternate credit card that only gets used to autopay a newspaper subscription. I warned the bartender that it might not work while assuring her that we were good to pay our tab via other means. It worked and all was cool.
Being it was the Sidetrack, we saw Amtrak whiz by once but it happened too fast to get good pics. But then this “railtruck” came along. It rises up off its rubber tires onto “train wheels” so it can drive down the tracks to do maintenance.