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We played it both ways. In every case we asked for a discount if we paid by cash. Most vendors were willing to knock off about $100 for a cash (check) payment. If they would not negotiate a discount, then we charged it and got the rewards. Either way we won!
Agreed...as long as they don't charge a credit card fee (or give a discount for cash), we got the rewards.
Yes the points or miles would be wonderful but if you don't pay your balance in full each month, interest is getting tacked on so you are paying more in the end so why bother. It is a toss up, I say charge it if you are good about paying it off and won't find an excuse to use your savings elsewhere. I hate seeing people go in debt over a wedding. But anyways, my husband and I do this. I have the checkcard and he has the credit card, makes balancing so much easier! But no matter what that credit card is paid in full each month. It ups our point rewards tremendously!
oh we would definitely pay the balance each month! our wedding savings are in a do not touch account!
I didnt know to ask for a discount if we pay in cash... nice to know!
I would look into what extra protection you get from your existing card or one you may open. If a vendor disappears or goes out of business and you've paid by cash or check your money is more than likely gone, but sometimes credit cards will provide a refund with documentation.
We had plane tickets booked for about 6 months with an airline that went out of business before our flight, and one phone call to AMEX took care of things.
Hope this helps!
I spent a lot on my WF card and then this month I was able to cash in for a $275 reward on my card from the wedding expenses. The rewards were for just as much and I was able to just use it to pay down my balance which was nice.
We're paying for everything ourselves and we want to make sure that we don't have any leftover debt after the wedding. It's tough--and we kept it to $20,000!--but we started paying for it early, and really buckled down with our personal spending. We even have the honeymoon paid for already (besides food, souvenirs, etc.)! I'm really looking forward to coming back from the honeymoon without lingering wedding debt!
Use your CC to get the reward point, but pay it off immediately. That's what we did. My FI has a CC with awesome reward incentives, and we very rarely use his card because we hate being debt (like most people). But we definitely used it a lot for the wedding, and were able to get our rental car for our honeymoon paid for with the points, and also got $100 in cash deposited in his account, which we're saving for a special dinner on our honeymoon, so it paid off to use it! But we paid off the balances each month, so we never carried any debt.
We've been doing a combo -- some cash, a lot of credit card (but trying to pay off the balance each month!).
Wow, we've been writing checks this whole time and never thought to ask for a discount. interesting!
My FI and I are doing both also. The little things we pay cash and the large things (venue, deposits, flights) pay with a card to get rewards. But immediately after paying with the CC I pay go to my online banking and pay my CC back. I think its smarter that way too because you dont mess with your money just incase something needs to be disputed!
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I have yet to spend any money on the wedding, but the deposit for the reception venue is due this week. My question is, would it be worth it to charge my wedding expenses to earn rewards or miles and then pay off the credit card bills with my checking account where all our wedding savings are or just write a check directly to the vendors? I have a discover card and could get rewards to credit my account or I could open a card to earn travel miles to use for our honeymoon. What do you think?