I get the convenience for things like paying rent, taxes, etc., but the main reason I don't use credit cards for small things is how much less convenient it is. Much easier to hand over 50 Kr than go through the routine of: gesture to indicate I'm paying with card / make way over to machine at the end of the bar (waiting if someone else is using it) / insert card / enter pin / pause to confirm it went through. Even if I have to wait to receive change, it's usually still faster.
The downside being that you have very little consumer protection if you buy something that is broken.
I buy everything through my Mastercard credit card. I always pay my bill at the end of the month so I never pay anything extra for it.
It has saved me countless of times when I have ordered stuff online or bought stuff in stores that they have refused to take back. And on top of that I get bonus points that have given me free flights.
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I get the convenience for things like paying rent, taxes, etc., but the main reason I don't use credit cards for small things is how much less convenient it is. Much easier to hand over 50 Kr than go through the routine of: gesture to indicate I'm paying with card / make way over to machine at the end of the bar (waiting if someone else is using it) / insert card / enter pin / pause to confirm it went through. Even if I have to wait to receive change, it's usually still faster.
The downside being that you have very little consumer protection if you buy something that is broken.
I buy everything through my Mastercard credit card. I always pay my bill at the end of the month so I never pay anything extra for it.
It has saved me countless of times when I have ordered stuff online or bought stuff in stores that they have refused to take back. And on top of that I get bonus points that have given me free flights.
I doubt a credit card is going to do much for me if I receive substandard beer or coffee. :)
I do use credit-cards for purchases of physical items. European cards don't typically give cash-back or bonus points, though.
The main reason I use credit cards for everything including small things is that it's so much faster and more convenient.
Also, I don't carry coins anymore, and I rarely carry bills either (I'm in the US).
make way over to machine at the end of the bar
Really? Here in Portugal portable payment terminals are nearly ubiquitous. The rest is very true, though.