(Closed) Paying with Credit Cards

posted 6 years ago in Money
  • poll: Did you earn points for your wedding spending by using credit cards?
    Yes, I put all of my wedding spending on credit cards, and I reaped the benefits! (Lucky duck) : (18 votes)
    16 %
    Yes, but only certain vendors accepted credit cards, so it was a mix of checks and credit cards : (56 votes)
    50 %
    No, all of my vendors only accepted checks/cash : (1 votes)
    1 %
    No, I had no idea you could earn points using credit cards! : (1 votes)
    1 %
    No, someone else took care of the payments : (4 votes)
    4 %
    No, I chose not to use my credit cards for wedding payments : (21 votes)
    19 %
    I don't have a credit card : (11 votes)
    10 %
    Other (please explain!) : (1 votes)
    1 %
  • Post # 3
    Member
    200 posts
    Helper bee
    • Wedding: July 2012

    I think you need an option like “I chose not to use my credit cards for wedding payments.”

    Post # 4
    Hostess
    1427 posts
    Bumble bee
    • Wedding: November 1999

    We put what we could on our CC’s for the points. We use this awesome one for eating out and entertainment that gives 5% cash back: Citi Forward card. We pay off our bills in full each month as the bills come in… Love the reward points!!!

    Post # 5
    Member
    3092 posts
    Sugar bee
    • Wedding: June 2013

    We have about a 50k wedding and only 2-3 needed checks ~1500k total.  So we racked up enough miles to book our flights from Seaatle, Wa to the DR roundtrip 🙂

     

    we also pay all of our bills and daily expenses on our miles card…so rent etc also helped.  And we NEVER carry a balance!

    Post # 6
    Member
    2065 posts
    Buzzing bee
    • Wedding: December 2011

    We used a mix of cards and checks. TOTALLY reaped the benefits. I’ve got about $650 cash back built up on my card that we’re using towards our delayed European honeymoon in April and a ton of that came from the wedding – it’s going directly to pay for a few extra hotel nights!

    Post # 8
    Member
    2058 posts
    Buzzing bee
    • Wedding: May 2013

    I tried to use my CC as much as possible (a Starwood AMEX).  A lot of my vendors didn’t accept CC or would have charged us a 3% – 5% service fee if we wanted to pay by credit card (since its what they have to pay).  So we chose checks in that case!  I really wish more vendors accepted credit cards though, that way we could get business class tickets with points for our honeymoon!!

    And we pay our CC bill off in full every month, so no interest either!

    Post # 10
    Member
    4159 posts
    Honey bee
    • Wedding: October 2011

    We put whatever we could on our credit cards to collect Air Miles!  But we always paid it back with money from our wedding fund bank account.

    And in every day life, we always use our cc’s so that we can collect the miles, and always pay it off each month so we’re not charged the interest.  May as well collect freebees!

    Post # 11
    Member
    2065 posts
    Buzzing bee
    • Wedding: December 2011

    @Mrs. Candy Apple:  Well, it’s the Chase Freedom card. It’s really points, but it converts to a cash option (10,000 points = $100) to pay your bill. I also get extra points for every purchase because I’m a Chase banking customer. We’re planning on putting most of the trip on the card (thus getting MORE points, yay!!) and using our trip savings and the points to pay for it.

    Post # 12
    Member
    14496 posts
    Honey Beekeeper
    • Wedding: June 2011

    Yup, I charged anything I can for the wedding and day to day things.  I almost exclusively use my credit card for everything from a coffee, to lunch at work, to buying a car. 

    Post # 13
    Member
    3886 posts
    Honey bee
    • Wedding: September 2011

    For my vendors that charged a fee for credit card use, I put the deposits by card, not just to get the points but to get the protections that a credit card offer in the (unlikely) event that the vendor disappears, goes bankrupt, doesn’t show up, etc.  It is a *lot* easier to get your deposit back from the credit card company than trying to join in the rest of the creditors at bankruptcy court. FWIW I did, once, have to use this protection, not wedding related though, when we’d booked a dinner cruise in a foreign country and found out that the cruise operator had gone out of business only when we decided to walk down to the harbor a day before the event and saw the Liquidator’s notice on the boat!  I was able to dispute the charge with one phone call and an email form, and had my purchase money back within a week.

    Anyway for the balances on those vendors, I paid cash, because even though I place a high value on my airline miles, I do not value them enough to pay 4 cents a pop (assuming the card has a $1 spend = 1 mile valuation).

    Post # 14
    Member
    3572 posts
    Sugar bee
    • Wedding: September 2011

    I found that a lot of vendors offered a discount if you paid fully in cash.

    Post # 15
    Member
    13015 posts
    Honey Beekeeper
    • Wedding: November 1999

    I put everything I can on the credit cards and pay it off as soon as the bill comes solely so I can get the airmiles…  Saving up for a trip to Italy!

    The topic ‘Paying with Credit Cards’ is closed to new replies.

    Find Amazing Vendors