Anonymous wrote:

Anonymous wrote:

Anonymous wrote:With my checking account. I actually don't have a credit card. I have my debit card (which is attached to my checking account) and a Gap credit card, but that's it.

I have Capital One, and heard they just came out with a credit card where you earn stuff on them. But I'm not good at understanding how that works, so I am only thinking about it, but may not do it.

You do have a credit card. A Gap one.

Well yes, but I can't pay any bills by using that card.

A Gap card isn't just for shopping at the Gap. It can be used like any other mastercard or visa. It might give you more benefits on purchases you make at the Gap, though.

If you are looking to get a different credit card and you are new to the world of credit cards, make sure to pick one with 0 annual fees.
Always pay it off in full at the end of each month so you never pay interest--then you don't have to worry what the interest rate is. If you can't control your spending well enough to do this, cancel the card. Yes your credit will take a hit from cancelling the card but it's still better than having credit card debt.
And see if you can find a card that gives you cash back based on your purchases. Never buy something just to get cash back or miles or whatever--you will never come out ahead on that. But if you are going to spend the money anyway, might as well get cash back. For example if you spend $100 on groceries each week and find a card that gives 2% back, that's like getting $104 free each year. https://www.nerdwallet.com/blog/top-credit-cards/best-no-annual-fee-credit-cards/ has a few good options--the Citi Double Cash Card others in this thread have mentioned seems like a good choice.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We have the Citi double-cash back card. We pay everything we can with the card and then immediately pay the balance. We average about $200 a month in cash back. Sometimes much more and sometimes less. I wouldn't do it if we weren't making money on it.

you spend 10000 per month?

Not PP but yes, we have that same card and spend that much every month.

Can you tell us what you are buying and rough costs? I’m geniually wondering if I’m missing cash back on things I didn’t think about charging.

Anonymous wrote:

Anonymous wrote:I am just learning to use a credit card as I recently got my first one. Should I be paying my bills through my CC or checking account?

CC only if 1) you get something back from CC (I get 2% cash back) and 2) you pay in full every month.

Otherwise, checking account.

+1 - With your bank you can pay many bills on line out of your checking account which makes bill paying super easy. If you use the CC, make sure you get something back and pay in full every month. If you miss one month you could well blow the annual cash back savings in one month.

Anonymous wrote:
CC always. I don't trust those websites with my checking account.

+1.

Anonymous wrote:

Anonymous wrote:With my checking account. I actually don't have a credit card. I have my debit card (which is attached to my checking account) and a Gap credit card, but that's it.

I have Capital One, and heard they just came out with a credit card where you earn stuff on them. But I'm not good at understanding how that works, so I am only thinking about it, but may not do it.

You do have a credit card. A Gap one.

Well yes, but I can't pay any bills by using that card.

Anything we can on the credit card.