According to a study I saw a while back, people are likely to spend more money when shopping with a credit card than when they use cash. It's a psychological thing. When you have the hard cash in your wallet, you don't want to waste it. When I used my debit card to shop I remember I used to spend a lot of money but when I started withdrawing the money I was to use for shopping, I was less eager to spend as much money. You guys ought to try it. Test out the theory for a month or two and note the difference.