About a week ago, I misplaced my credit card. At the time, I didn’t think much about it, and went ahead and canceled my card and had them mail me a new card. They told me it would be only 7-10 business days, and I assumed that was just a worse case scenario, but it turns out it wasn’t. It took a week and half for my new card to arrive.

I am somebody who prefers to us his credit card for as many purchases as possible. This way I don’t have to worry about losing spare change and I can keep better track of my purchases. I have a rewards card, but honestly, I don’t really care that much about the rewards. If I get rewards, so be it. I sometimes use them, sometimes I don’t.

Generally, I avoid auto-pay services like the plague. I know they can be budget busters. I buy refills for my phone every 6 months or a year, which is a bigger payment upfront, but I save later on. That does get withdrawn from the credit card, but not until next year. Always good to pay up front, borrowing sucks. I will have to update that later on. I do auto-pay by rent, electric and gas bill, and car and renter insurance directly from my bank. I don’t have cable TV or Internet, and haul my own trash to the transfer station. Fine, but those are essential, especially living in a rented apartment in the city. When I eventually move off grid, I won’t have any of those expenses except maybe car insurance.

I didn’t think it would be a real issue, until I remember my bus pass was linked to the credit card. I had forgotten my password to my CDTA Navigator bus pass service, so I had to get it reset because I was locked out of my account. So I had to wait a day for that to be reset by CDTA. Fine, but of course the buses take up to “two days” to sync money added to your card to the buses, because they load the fare data via wireless internet once a day, when the buses are returned to the garage for the night, and the fare boxes are unloaded. Fine. It turns out I had enough money to cover my bus fares but I kept a few extra quarters and bucks in my wallet.

Other then that, I didn’t anticipate much issues, although my debit card didn’t seem to work everywhere. I had that issue at Stewarts’ the other day. I don’t like only having the debit card, as I’d rather have two options for payment in case one card doesn’t work. I don’t carry much cash, and if my debit card fails for some reason, I really prefer to use my credit card. Moreover, the credit card is easier to manage – I don’t have to worry about overdrafting it – and it’s easier to review expenditures and pay it all off at once.

So be it.