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>>>>I typically only keep a small amount of cash on me, which I'll sometimes use if making a small purchase. For bigger purchases, I ALWAYS pull out the plastic, to get my cashback rewards. Because of this behavior, the average total for my credit purchases completely dwarfs my cash purchases.>>>>


This is in part what I am trying to get at. The question still remains do you (or on average people who behave as you are) charging more when they use the card than they would have spent had they used cash. In other words do you more easily justify those large purchases, or are they a little bit larger than they would have been, because you know you will use a credit card to pay for them and get the reward??

I for example always use my credit card, gas, groceries, lunches, dinners out, afternoon diet coke for MD, utility payments, etc. But I fail to see how I am spending more as everything I buy is according to a budget, groceries, utility payments, gas, etc. I would have spent the same amount had I used cash or a debit card. BUT AGAIN I WONDER WOULD I (OR OTHERS YOU DO AS I DO) HAVE BUDGETED THE SAME HAD I KNOWN THAT I WOULD BE USING CASH. I think so but I really would like to see what, if anything, the scientific literature says. Unfortunately, I have seen very very few studies of behavior regarding spending habits with a credit card, and as far as I can tell none of these looked at any other factors that might explain the behavior.
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