Who carries no cash?

[cypher1]

I keep 80-200 in my wallet. No particular reason other than to have it in case I ever need it. Having cash on hand doesn't temp me to spend anymore. Otherwise 95% of the time I pay with my credit card. I'm actually thinking of leaving my check card at home and getting an ATM card instead.

[shaggy]

This is my theory. I'm really surprised how many people have responded and said they carry no cash at all. I would never walk out of my house without money in my wallet.

I have a $20 under the orthotic in my shoe, too. Just in case I need to find my way home without my wallet, if you know what i mean.

[disneysteve]

I always carry cash and a credit/debit card. We should always be prepared at all times.

This is my theory. I'm really surprised how many people have responded and said they carry no cash at all. I would never walk out of my house without money in my wallet.

[amreen]

I try to carry a small amount cash. My wife helps with the "small amount" part because sometimes I go looking for a couple dollars that were there yesterday, only to find they had been deducted from my wallet without notification, permission, nor apology.

I have since been squirreling away an emergency 20 in my wallet's secret pocket in case a happy hour breaks out.

Lol! That's wise!

[JoeP]

I try to carry a small amount cash. My wife helps with the "small amount" part because sometimes I go looking for a couple dollars that were there yesterday, only to find they had been deducted from my wallet without notification, permission, nor apology.

I have since been squirreling away an emergency 20 in my wallet's secret pocket in case a happy hour breaks out.

[feh]

I carry a small amount of cash; generally less than $20. I use my CC for all purchases, unless the total is under $5.

[esb3357]

Honestly I would offer debit/credit card and then charge an extra processing fee. I know many companies that offer cash/credit cards but offer an extra charge. Honestly almost every place I have been to offers credit/debit. I rarely if ever carry cash. So I would be one of your customers who would have to be turned away. Heck I don't even carry a debit card. Just credit so I wouldn't be able to go to the atm.

[Like2Plan]

I know a lot of folks who don't ever carry cash, but I'm not one of them. DH and I get an allowance in cash every week so we always have some cash. Still, I'd say we use cash most often for tips when we travel. I prefer to use plastic whenever we can.

DH and I also see an opthamologist who doesn't take our insurance and doesn't take plastic so we have to remember to bring the checkbook each visit.

[Blessed]

The processing fees can be as high as $2.00 per transaction for some merchants. So if you buy something that costs $10, they're taking a beating.

I know from my boss that merchants can shop companies. She uses one that charges one and a half percent.

[rennigade]

I would probably be one of those patients who would have to reschedule since I never carry money. Actually I have been to offices where they only took cash/check...luckily they didnt make me reschedule and they did mail me a bill...However that was the first/last time I visited their office.

It kind of reminds me of restaurants/gas stations that only accept cash. It just leaves a bad taste in my mouth for some reason.

I would think most businesses would rather take the 2%-4% hit from people using credit cards and be guaranteed the money than take a risk of not getting the money at all (although in your case you can refuse service)

I have a family member who owns a small business. He used to never require money up front and was sometimes stiffed for $5kish. Even after going through lawyers/collection, some people just refused to pay so he was out...minus the small deduction he could take from that. He then started accepting cc's before he would perform the service and hasnt had a problem since. He said he's more than happy to loose 2% and have the money up front.

[FrugalTexan75]

I rarely carry cash. When I do have any amount of cash on me, it might take me a few weeks (or longer ...) to get it deposited since the only deposit ATM is 40 minutes away. I put everything on my cc's, and even when I *do* have cash on me, usually forget it is even there. I'd really be annoyed if I couldn't pay for my copays/doctor visits without a cc.

[~bs]

I almost never carry cash. For a long time I carried change for parking, but now they also take cards so I don't even do that anymore. I would be rather surprised if my Doctor's office didn't accept cards -- but they can and do also send invoices (at least they always give the option, but my 20 dollar co-pay is not a bank breaker).

I guess if I knew in advance I would not mind carrying cash, but I don't go to the doctor very often, so I might forget that. Also, unless it was always the same amount, I would probably find it pretty annoying. (But then again I haven't carried cash for years...)

Yeah, if the doctor charged more than $10 or $20 that I normally carry, and had no option to use a card, and required payment before leaving the office, I'd pretty annoyed actually.

[Mjenn]

I almost never carry cash. For a long time I carried change for parking, but now they also take cards so I don't even do that anymore. I would be rather surprised if my Doctor's office didn't accept cards -- but they can and do also send invoices (at least they always give the option, but my 20 dollar co-pay is not a bank breaker).

I guess if I knew in advance I would not mind carrying cash, but I don't go to the doctor very often, so I might forget that. Also, unless it was always the same amount, I would probably find it pretty annoying. (But then again I haven't carried cash for years...)

[neatdesign]

I stopped carrying cash sometime in the mid-1990s. It was so long ago that I don't even recognize U.S. coins at first glance anymore. At some point in the past decade the quarter, nickel and penny were all redesigned. I don't recognize them now. In my mind the quarter only looks like this and the nickel only looks like this and the penny only looks like this. Even though the penny is the same color as before, I still have to make sure it's actually a U.S. penny and not a British 1p or a Canadian penny.

On the off-chance that I DO need cash, I usually just buy something at the grocery store with my debit card and get cash back. That way I don't have to pay any ATM fees.

[amreen]

I carry both. I carry less cash for security reason but still I feel safe if I had some cash with my credit card.