Social Security goes to a different bank.

Yay, i'm ok.

hey, glad it works for you.
My pension and S/S both go to the same credit union.
Never had a problem.

Pay cash for my face to face purchases.
Monthly payments for power and water are direct pay from the bank. Amazon is also direct pay.
Our one and only card is for buying things that have no other options like airline tickets and rental cars. It mostly sleeps in a safe place.

Yes, I am a Luddite.

Purchases cost no more, but I get about $300 cash back every year.
Why wouldn't you?

That 2% comes from somewhere. Not that long ago I owned a smallish business that accepted credit cards. It cost us in the range of 2 - 4% each time our customers used a card.

Of course we did not absorb those costs, we just raised our prices to cover it. So in reality, our customers paid those fees for us. Every so often someone would ask for a cash discount which we gladly gave when asked.

Since I am not in the business of making banks rich, We pay cash and always ask for a cash discount. Usually the smaller the store, the easier it is to get it.

It's a no brainer for us.

Plus, a debit card takes the money from your account IMMEDIATELY!
A credit card leaves the money IN your account until you pay the bill at the end of the month. It's called 'float'.
We have an interest bearing account (not much, but a little) in a credit union.
Why not take advantage of all the benes you can?

How sweet of you to think of sharing that with us!

The checking account has the retirement checks and social security feeding into it. It is used to pay bills with surplus transferred to the savings account. There is NO debit card for this account ever for this account.

One credit card (the one with the best record of reversing fraudulent charges) is used for on-line buying.

One credit card (with the best cash back offers) is used for day-to-day purchases from brick and mortar stores.

One credit card is used for travel expenses (airline, rental cars, hotels, meals).

Cash advances are taken on a debit card on a brokerage account with the broker on notice that he could lose the whole account if I get jacked around with fraudulent activity ( I notify him when I will be traveling)