Saturday hubby and went to Borders to browse. There was no intention to get anything, but we like to browse. We've cut back on our book buying by a large margin.
I decided to hang in the cafe while hubby looked and wanted a drink. So grab a $1.95 bottle of rootbeer and go to counter to pay.
I'm asked for my ID, despite giving the clerk my Borders Rewards card that tells her who I am and matches my debit card.
I refused, the barista didn't make too much of a fuss after I said it was a violation of Visa merchant terms. And yes I did use the argument that my ID a permit for driving, not a permit to use my own hard earned funds. The other barista at the cafe thought that was amusing.
A little while later I did find a book and was NOT asked for my ID when checking out, using the same debit Visa card. I asked for a manager and questioned him as to why the inconsistencies. Why was it I was asked for ID for a $1.95 drink, not asked for my purchase, nor was my husband asked when he made his over $60 purchase. There was no answer, other than the manager shrugging his shoulders and mumbling something about corporate. I've confirmed with corporate that it is up to the managers to decide the policy regarding IDs and yes, they are aware of the Visa merchant agreement.
Full Version: Border's inconsistencies
NO MINIMUM CHARGE ON A CREDIT CARD
NO MAXIMUM CHARGE ON A CREDIT CARD
NO FEE TO USE A CREDIT CARD
**NO ID ON A SIGNED CREDIT CARD**
But the rules don't automatically follow to DEBIT CARDS
Since you said you used a DANGEROUS DEBIT CARD
I thought BORDERS was out of business (maybe only selected locations)
NO MAXIMUM CHARGE ON A CREDIT CARD
NO FEE TO USE A CREDIT CARD
**NO ID ON A SIGNED CREDIT CARD**
But the rules don't automatically follow to DEBIT CARDS
Since you said you used a DANGEROUS DEBIT CARD
I thought BORDERS was out of business (maybe only selected locations)
This Border’s must be reported immediately - 1-800-VISA-911. What is their address?
CREDIT CARD SIGNATURE IS ALL THE ID NEEDED
When you pay for merchandise with a Visa card, MasterCard, or American Express any store that accepts these cards should accept yours too, no questions asked. It's part of the deal that merchants agree to when they become participating members.
They must check your signature and the card - electronically or by telephone - to be sure it's valid. Once the answer comes up yes, they can go ahead and charge. They can't ask you for any further identification - not a license plate number, Social Security number, proof of address, phone number or photo ID.
Your personal ID isn't needed because Visa, MasterCard, and American Express all guarantee payment on cards that have been properly checked. If the issuer mistakenly authorizes a sale on a bad card, it should make good. MasterCard says that merchants receive instant settlement. The contract MasterCard merchants sign specifically prevents them from asking for personal ID.
Unfortunately, not all merchants play by the rules. Some, apparently, haven't read them.
WHAT YOU CAN DO
MasterCard wants to hear about merchants who break their rules. Send the name and address and an account of what happened to MasterCard WorldWide 2000 Purchase St. Purchase, NY 10577 or call 1-800-300-3069. The merchant's bank will get a stiff letter, ordering it to investigate and bring the offending store into line - or pay a $2,000 fine. You may also report violations online:
http://www.mastercard.com/us/personal/en/c...violations.html
Visa enforces the same rules as MasterCard. "When we hear about a violation, we ask the bank that signed the merchant to get together with the merchant and see that the practice is stopped," Visa representative states. To report a merchant, send a letter to the bank that that issued your Visa card or call 1-800-VISA-911.
American Express also prohibits merchants from asking for IDs. "All a merchant is supposed to do is take an imprint, make sure the signature matches and swipe the card through the terminal, to get authorization."
CREDIT CARD SIGNATURE IS ALL THE ID NEEDED
When you pay for merchandise with a Visa card, MasterCard, or American Express any store that accepts these cards should accept yours too, no questions asked. It's part of the deal that merchants agree to when they become participating members.
They must check your signature and the card - electronically or by telephone - to be sure it's valid. Once the answer comes up yes, they can go ahead and charge. They can't ask you for any further identification - not a license plate number, Social Security number, proof of address, phone number or photo ID.
Your personal ID isn't needed because Visa, MasterCard, and American Express all guarantee payment on cards that have been properly checked. If the issuer mistakenly authorizes a sale on a bad card, it should make good. MasterCard says that merchants receive instant settlement. The contract MasterCard merchants sign specifically prevents them from asking for personal ID.
Unfortunately, not all merchants play by the rules. Some, apparently, haven't read them.
WHAT YOU CAN DO
MasterCard wants to hear about merchants who break their rules. Send the name and address and an account of what happened to MasterCard WorldWide 2000 Purchase St. Purchase, NY 10577 or call 1-800-300-3069. The merchant's bank will get a stiff letter, ordering it to investigate and bring the offending store into line - or pay a $2,000 fine. You may also report violations online:
http://www.mastercard.com/us/personal/en/c...violations.html
Visa enforces the same rules as MasterCard. "When we hear about a violation, we ask the bank that signed the merchant to get together with the merchant and see that the practice is stopped," Visa representative states. To report a merchant, send a letter to the bank that that issued your Visa card or call 1-800-VISA-911.
American Express also prohibits merchants from asking for IDs. "All a merchant is supposed to do is take an imprint, make sure the signature matches and swipe the card through the terminal, to get authorization."
And yes I did use the argument that my ID a permit for driving, not a permit to use my own hard earned funds. The other barista at the cafe thought that was amusing.
===========================
GOOD FOR YOU
===========================
GOOD FOR YOU
I don't have credit cards. Neither does my husband. I gave mine up when I filed for bankruptcy. He gave his up when he paid the last one off. Our debit cards ARE our credit cards.
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
QUOTE (sanhima @ May 19 2009, 08:59 AM) 
I don't have credit cards. Neither does my husband. I gave mine up when I filed for bankruptcy. He gave his up when he paid the last one off. Our debit cards ARE our credit cards.
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
Point being...YOU RISK YOUR TOTAL CHECKING ACCOUNT BALANCE (and then some) EVERY TIME YOU USE A DEBIT CARD
(subject to fraud)
My credit cards do not risk even $0.01 of my checking account balance if FRAUD happened
QUOTE (GEORGE @ May 19 2009, 10:10 AM)
QUOTE (sanhima @ May 19 2009, 08:59 AM)
I don't have credit cards. Neither does my husband. I gave mine up when I filed for bankruptcy. He gave his up when he paid the last one off. Our debit cards ARE our credit cards.
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
Point being...YOU RISK YOUR TOTAL CHECKING ACCOUNT BALANCE (and then some) EVERY TIME YOU USE A DEBIT CARD
(subject to fraud)
My credit cards do not risk even $0.01 of my checking account balance if FRAUD happened
That's all well and good, but you did not answer my question:
QUOTE
So how else do you propose I pay for my merchandise?
If you don't have an answer, say so.
Again, I do not have credit cards. Lost them in my bankruptcy.
QUOTE (sanhima @ May 19 2009, 09:41 AM)
QUOTE (GEORGE @ May 19 2009, 10:10 AM)
QUOTE (sanhima @ May 19 2009, 08:59 AM)
I don't have credit cards. Neither does my husband. I gave mine up when I filed for bankruptcy. He gave his up when he paid the last one off. Our debit cards ARE our credit cards.
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
Point being...YOU RISK YOUR TOTAL CHECKING ACCOUNT BALANCE (and then some) EVERY TIME YOU USE A DEBIT CARD
(subject to fraud)
My credit cards do not risk even $0.01 of my checking account balance if FRAUD happened
That's all well and good, but you did not answer my question:
QUOTE
So how else do you propose I pay for my merchandise?
If you don't have an answer, say so.
Again, I do not have credit cards. Lost them in my bankruptcy.
THEN USE YOUR DEBIT...it is a little better than CASH
"I've confirmed with corporate that it is up to the managers to decide the policy regarding IDs and yes, they are aware of the Visa merchant agreement."
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
To clear another point up here, Borders does not accept PIN-based debit. Borders accepts credit cards only; therefore the debit cards are accepted only with a Visa or MasterCard logo and processed as credit requiring a signature (unless the purchase is under $25, then no signature is needed) and not pin based.
QUOTE (thelowpriceleader @ May 19 2009, 07:36 PM)
"I've confirmed with corporate that it is up to the managers to decide the policy regarding IDs and yes, they are aware of the Visa merchant agreement."
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
The POST OFFICE has a sign that says something like--->YOU MUST HAVE A SIGNATURE ON THE BACK OF YOUR CREDIT CARD...IT IS PART OF YOUR CREDIT CARD POLICY...WE WILL NOT ACCEPT ANY UNSIGNED CREDIT CARDS
QUOTE (GEORGE @ May 19 2009, 06:22 PM)
QUOTE (sanhima @ May 19 2009, 09:41 AM)
QUOTE (GEORGE @ May 19 2009, 10:10 AM)
QUOTE (sanhima @ May 19 2009, 08:59 AM)
I don't have credit cards. Neither does my husband. I gave mine up when I filed for bankruptcy. He gave his up when he paid the last one off. Our debit cards ARE our credit cards.
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
Point being...YOU RISK YOUR TOTAL CHECKING ACCOUNT BALANCE (and then some) EVERY TIME YOU USE A DEBIT CARD
(subject to fraud)
My credit cards do not risk even $0.01 of my checking account balance if FRAUD happened
That's all well and good, but you did not answer my question:
QUOTE
So how else do you propose I pay for my merchandise?
If you don't have an answer, say so.
Again, I do not have credit cards. Lost them in my bankruptcy.
THEN USE YOUR DEBIT...it is a little better than CASH
Yet you proclaim that debit is dangerous. So I'm damned if I do, damned if I don't?
QUOTE (thelowpriceleader @ May 19 2009, 08:36 PM)
"I've confirmed with corporate that it is up to the managers to decide the policy regarding IDs and yes, they are aware of the Visa merchant agreement."
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
Then someone is not on the up and up or they weren't that concerned at all that my ID was requested for a $1.95 drink, but not my book nor my husband's books. In the 10 years we've shopped at the various locations in our area (10 stores total, including Waldenbooks) we've never ever come across this. Ever. Before I filed for bankruptcy, we could spend upwards of $150 on books (hey, manga is expensive, especially if you don't get it for a couple of months). Not once were we ever carded.
QUOTE (sanhima @ May 20 2009, 05:24 AM)
QUOTE (GEORGE @ May 19 2009, 06:22 PM)
QUOTE (sanhima @ May 19 2009, 09:41 AM)
QUOTE (GEORGE @ May 19 2009, 10:10 AM)
QUOTE (sanhima @ May 19 2009, 08:59 AM)
I don't have credit cards. Neither does my husband. I gave mine up when I filed for bankruptcy. He gave his up when he paid the last one off. Our debit cards ARE our credit cards.
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
Point being...YOU RISK YOUR TOTAL CHECKING ACCOUNT BALANCE (and then some) EVERY TIME YOU USE A DEBIT CARD
(subject to fraud)
My credit cards do not risk even $0.01 of my checking account balance if FRAUD happened
That's all well and good, but you did not answer my question:
QUOTE
So how else do you propose I pay for my merchandise?
If you don't have an answer, say so.
Again, I do not have credit cards. Lost them in my bankruptcy.
THEN USE YOUR DEBIT...it is a little better than CASH
Yet you proclaim that debit is dangerous. So I'm damned if I do, damned if I don't?
CREDIT CARDS YOU RISK $0.00 OF YOUR CHECKING ACCOUNT BALANCE (if fraud happens)
DEBIT CARDS YOU RISK EVERY SINGLE $1.00 DOWN TO THE LAST $0.01 (and then some) YOU CAN GO $100's NEGATIVE
THOSE ARE THE FACTS...I CAN'T CHANGE THE FACTS BECAUSE YOU DON'T HAVE A CREDIT CARD
Getting mad at me won't change anything
QUOTE (GEORGE @ May 20 2009, 11:30 AM)
QUOTE (sanhima @ May 20 2009, 05:24 AM)
QUOTE (GEORGE @ May 19 2009, 06:22 PM)
QUOTE (sanhima @ May 19 2009, 09:41 AM)
QUOTE (GEORGE @ May 19 2009, 10:10 AM)
QUOTE (sanhima @ May 19 2009, 08:59 AM)
I don't have credit cards. Neither does my husband. I gave mine up when I filed for bankruptcy. He gave his up when he paid the last one off. Our debit cards ARE our credit cards.
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
Point being...YOU RISK YOUR TOTAL CHECKING ACCOUNT BALANCE (and then some) EVERY TIME YOU USE A DEBIT CARD
(subject to fraud)
My credit cards do not risk even $0.01 of my checking account balance if FRAUD happened
That's all well and good, but you did not answer my question:
QUOTE
So how else do you propose I pay for my merchandise?
If you don't have an answer, say so.
Again, I do not have credit cards. Lost them in my bankruptcy.
THEN USE YOUR DEBIT...it is a little better than CASH
Yet you proclaim that debit is dangerous. So I'm damned if I do, damned if I don't?
CREDIT CARDS YOU RISK $0.00 OF YOUR CHECKING ACCOUNT BALANCE (if fraud happens)
DEBIT CARDS YOU RISK EVERY SINGLE $1.00 DOWN TO THE LAST $0.01 (and then some) YOU CAN GO $100's NEGATIVE
THOSE ARE THE FACTS...I CAN'T CHANGE THE FACTS BECAUSE YOU DON'T HAVE A CREDIT CARD
Getting mad at me won't change anything
George, you're reading waaaay too much into my replies. Apparently you haven't had a good debate in a while. If I was angry, you'd know it.
And FYI, I'm not the one who used an angry face, you did.
P.S. Don't forget that CAPS is the same as yelling, so please don't yell at me.
Thanks
QUOTE (sanhima @ May 20 2009, 03:36 PM)
QUOTE (GEORGE @ May 20 2009, 11:30 AM)
QUOTE (sanhima @ May 20 2009, 05:24 AM)
QUOTE (GEORGE @ May 19 2009, 06:22 PM)
QUOTE (sanhima @ May 19 2009, 09:41 AM)
QUOTE (GEORGE @ May 19 2009, 10:10 AM)
QUOTE (sanhima @ May 19 2009, 08:59 AM)
I don't have credit cards. Neither does my husband. I gave mine up when I filed for bankruptcy. He gave his up when he paid the last one off. Our debit cards ARE our credit cards.
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
I don't carry cash because I have had my purse stolen. I lost over $500 once because of it. So how else do you propose I pay for my merchandise?
Point being...YOU RISK YOUR TOTAL CHECKING ACCOUNT BALANCE (and then some) EVERY TIME YOU USE A DEBIT CARD
(subject to fraud)
My credit cards do not risk even $0.01 of my checking account balance if FRAUD happened
That's all well and good, but you did not answer my question:
QUOTE
So how else do you propose I pay for my merchandise?
If you don't have an answer, say so.
Again, I do not have credit cards. Lost them in my bankruptcy.
THEN USE YOUR DEBIT...it is a little better than CASH
Yet you proclaim that debit is dangerous. So I'm damned if I do, damned if I don't?
CREDIT CARDS YOU RISK $0.00 OF YOUR CHECKING ACCOUNT BALANCE (if fraud happens)
DEBIT CARDS YOU RISK EVERY SINGLE $1.00 DOWN TO THE LAST $0.01 (and then some) YOU CAN GO $100's NEGATIVE
THOSE ARE THE FACTS...I CAN'T CHANGE THE FACTS BECAUSE YOU DON'T HAVE A CREDIT CARD
Getting mad at me won't change anything
George, you're reading waaaay too much into my replies. Apparently you haven't had a good debate in a while. If I was angry, you'd know it.
And FYI, I'm not the one who used an angry face, you did.
P.S. Don't forget that CAPS is the same as yelling, so please don't yell at me.
Thanks
ANOTHER CAPSLOCK PHOBIC I SEE
Had I invented the internet instead of algore caps would not be yelling at all
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
QUOTE (GEORGE @ May 20 2009, 04:45 PM)
Had I invented the internet instead of algore caps would not be yelling at all
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
I'm not caps phobic. I look at it as a matter of common courtesy. I get yelled at all day at work by customers who probably send their complaints in all caps. I'd prefer to not be "yelled" at in posts.
I'm not quite sure what the post office has to do with caps. Would you care to elaborate (and no, I am not being sarcastic; I am genuinely interested).
QUOTE (sanhima @ May 20 2009, 03:55 PM)
QUOTE (GEORGE @ May 20 2009, 04:45 PM)
Had I invented the internet instead of algore caps would not be yelling at all
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
I'm not caps phobic. I look at it as a matter of common courtesy. I get yelled at all day at work by customers who probably send their complaints in all caps. I'd prefer to not be "yelled" at in posts.
I'm not quite sure what the post office has to do with caps. Would you care to elaborate (and no, I am not being sarcastic; I am genuinely interested).
GEORGE JOHNSON
1427 GEORGE ST
GEORGETOWN CO 80444
QUOTE (GEORGE @ May 20 2009, 05:30 PM)
QUOTE (sanhima @ May 20 2009, 03:55 PM)
QUOTE (GEORGE @ May 20 2009, 04:45 PM)
Had I invented the internet instead of algore caps would not be yelling at all
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
I'm not caps phobic. I look at it as a matter of common courtesy. I get yelled at all day at work by customers who probably send their complaints in all caps. I'd prefer to not be "yelled" at in posts.
I'm not quite sure what the post office has to do with caps. Would you care to elaborate (and no, I am not being sarcastic; I am genuinely interested).
GEORGE JOHNSON
1427 GEORGE ST
GEORGETOWN CO 80444
Okay, so if it's a requirement, why doesn't the Post Office refuse to deliver those letters that are improperly addressed and not in caps? Why am I not rung through the ringer when I send anything out Priority, Express or any package that is not in block letters?
QUOTE (sanhima @ May 20 2009, 06:34 PM)
QUOTE (GEORGE @ May 20 2009, 05:30 PM)
QUOTE (sanhima @ May 20 2009, 03:55 PM)
QUOTE (GEORGE @ May 20 2009, 04:45 PM)
Had I invented the internet instead of algore caps would not be yelling at all
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
You would be required to use caps every day or you would be banned from using the internet
If caps were so bad...why would the POST OFFICE require them???
I'm not caps phobic. I look at it as a matter of common courtesy. I get yelled at all day at work by customers who probably send their complaints in all caps. I'd prefer to not be "yelled" at in posts.
I'm not quite sure what the post office has to do with caps. Would you care to elaborate (and no, I am not being sarcastic; I am genuinely interested).
GEORGE JOHNSON
1427 GEORGE ST
GEORGETOWN CO 80444
Okay, so if it's a requirement, why doesn't the Post Office refuse to deliver those letters that are improperly addressed and not in caps? Why am I not rung through the ringer when I send anything out Priority, Express or any package that is not in block letters?
QUOTE (sanhima @ May 20 2009, 07:28 AM)
QUOTE (thelowpriceleader @ May 19 2009, 08:36 PM)
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
Then someone is not on the up and up or they weren't that concerned at all that my ID was requested for a $1.95 drink. In the 10 years we've shopped at the various locations in our area (10 stores total, including Waldenbooks) we've never ever come across this. Ever. Before I filed for bankruptcy, we could spend upwards of $150 on books (hey, manga is expensive, especially if you don't get it for a couple of months). Not once were we ever carded.
Crooked cashier may well be an identity thief who belongs in prison.
NO MINIMUMS
NO MAXIMUMS
NO SURCHARGES
NO ID
…And if any cashier ever attempts any of these stunts, immediately call 1-800-VISA-911.
http://creditboards.com/forums/index.php?showtopic=265954
QUOTE (Continental @ May 20 2009, 11:49 PM)
QUOTE (sanhima @ May 20 2009, 07:28 AM)
QUOTE (thelowpriceleader @ May 19 2009, 08:36 PM)
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
Then someone is not on the up and up or they weren't that concerned at all that my ID was requested for a $1.95 drink. In the 10 years we've shopped at the various locations in our area (10 stores total, including Waldenbooks) we've never ever come across this. Ever. Before I filed for bankruptcy, we could spend upwards of $150 on books (hey, manga is expensive, especially if you don't get it for a couple of months). Not once were we ever carded.
Crooked cashier may well be an identity thief who belongs in prison.
NO MINIMUMS
NO MAXIMUMS
NO SURCHARGES
NO ID
…And if any cashier ever attempts any of these stunts, immediately call 1-800-VISA-911.
http://creditboards.com/forums/index.php?showtopic=265954
...and for the rest of the story
MOST CASHIERS WOULD NOT BE WILLING TO GO TO JAIL FOR THEFT OF MONEY...why would they theft your ID
Not saying it WON'T happen...just that it is rare
I would be more worried about that 30+ year old cashier showing up at your door to visit your 15 YEAR OLD HOTTIE GIRL ABOUT A DATE
You gave him your ID...actually you forced him take your ID if you think about it
He just happened to see your address...................
Not saying it will happen...JUST THAT IT CAN
The post office does not *require* CAPS, but they do recommend and prefer them. Supposedly CAPS are easier for their automated mail sorter machines to read.
A good identity thief will be able to steal your identity after seeing your license for five seconds. The scam is relatively easy to pull off.
QUOTE (GEORGE @ May 21 2009, 09:17 AM)
QUOTE (Continental @ May 20 2009, 11:49 PM)
QUOTE (sanhima @ May 20 2009, 07:28 AM)
QUOTE (thelowpriceleader @ May 19 2009, 08:36 PM)
Wrong. It is their corporate policy to not ask for any additional ID. Also, it is their corporate policy to refuse to honor unsigned cards. They have signage posted in the checkout area stating that credit cards are gladly accepted if signed by the bearer. After I pointed out to Borders corporate that a location here was requiring ID, I received a call from the store manager who addressed it, told me what their policy is, and told me that if I had any other problems to please see her or one of the floor supervisors. This was when I learned they would no longer be accepting unsigned cards.
Then someone is not on the up and up or they weren't that concerned at all that my ID was requested for a $1.95 drink. In the 10 years we've shopped at the various locations in our area (10 stores total, including Waldenbooks) we've never ever come across this. Ever. Before I filed for bankruptcy, we could spend upwards of $150 on books (hey, manga is expensive, especially if you don't get it for a couple of months). Not once were we ever carded.
Crooked cashier may well be an identity thief who belongs in prison.
NO MINIMUMS
NO MAXIMUMS
NO SURCHARGES
NO ID
…And if any cashier ever attempts any of these stunts, immediately call 1-800-VISA-911.
http://creditboards.com/forums/index.php?showtopic=265954
...and for the rest of the story
MOST CASHIERS WOULD NOT BE WILLING TO GO TO JAIL FOR THEFT OF MONEY...why would they theft your ID
Not saying it WON'T happen...just that it is rare
I would be more worried about that 30+ year old cashier showing up at your door to visit your 15 YEAR OLD HOTTIE GIRL ABOUT A DATE
You gave him your ID...actually you forced him take your ID if you think about it
He just happened to see your address...................
Not saying it will happen...JUST THAT IT CAN
I have refused to show ID to various places and have yet to be told I can't take the items I've purchased.
Places I've refused to show ID:
Best Buy
FYE
local grocery store
Walmart
Target
I haven't posted here because honestly it was a matter of the cashier shrugging and going on with their duties. Only FYE gave me a hassle and told me they'd refuse to give me the item I just purchased. So I asked for my money back. After all, if they can't agree to be bound by the Visa Merchant agreement, they can't have my money. Period.
I only posted about the Borders incident because I found it interesting that they'd want to card me for a drink, yet let a more expensive purchase go.
QUOTE (Uncle Leo @ May 21 2009, 09:35 AM)
The post office does not *require* CAPS, but they do recommend and prefer them. Supposedly CAPS are easier for their automated mail sorter machines to read.
Thanks Uncle Leo. I guess someone forgot that requirement is no the same as preference.
QUOTE (sanhima @ May 21 2009, 11:34 AM)
QUOTE (Uncle Leo @ May 21 2009, 09:35 AM)
The post office does not *require* CAPS, but they do recommend and prefer them. Supposedly CAPS are easier for their automated mail sorter machines to read.
Thanks Uncle Leo. I guess someone forgot that requirement is no the same as preference.
WELL EXCUSE ME
So I am the ONLY customer the POST OFFICE has (that posts here) that uses all ALL CAPS for their mail
I guess the people who have ALL CAPS on the mail I picked up from the mail box today ARE ALSO WRONG FOR USING CAPS
I guess the people who have ALL CAPS on the mail I picked up from the mail box today ARE ALSO WRONG FOR USING CAPS
Post office, they do officially require all caps but it is not enforce because not everyone knows this.
QUOTE (GEORGE @ May 18 2009, 05:12 PM)
NO MINIMUM CHARGE ON A CREDIT CARD
NO MAXIMUM CHARGE ON A CREDIT CARD
NO FEE TO USE A CREDIT CARD
**NO ID ON A SIGNED CREDIT CARD**
But the rules don't automatically follow to DEBIT CARDS
Since you said you used a DANGEROUS DEBIT CARD
I thought BORDERS was out of business (maybe only selected locations)
NO MAXIMUM CHARGE ON A CREDIT CARD
NO FEE TO USE A CREDIT CARD
**NO ID ON A SIGNED CREDIT CARD**
But the rules don't automatically follow to DEBIT CARDS
Since you said you used a DANGEROUS DEBIT CARD
I thought BORDERS was out of business (maybe only selected locations)
The rules still apply to debit cards if it is ran through like a signature transaction and has a mastercard or visa logo on the card, if it is ran through as pin transaction the merchants can do what they want. Unless you are in a state that forbids surcharges, but banks can still charge a POS fee, but most banks do not.
I need to correct you on one point. You do not risk your entire checking account balance when using a debit card everytime. Most banks have a daily authorization. It will be denied if someone trys to purchase something over that amount. I have mine set at $1,000
Here are my tips
Debit card tips.
Have two accounts preferably at a different banks both with debit cards.
Have one that is used only for web, mail, fax and phone transactions.
Have another checking that used for in person purchases and atms.
Do not use it at pay at pump, pay inside.
When using a pin cover the entry so people and camera do not see what you put in.
Lower your daily authorization limit to $1,000
QUOTE (GEORGE @ May 21 2009, 07:27 PM)
So I am the ONLY customer the POST OFFICE has (that posts here) that uses all ALL CAPS for their mail
I guess the people who have ALL CAPS on the mail I picked up from the mail box today ARE ALSO WRONG FOR USING CAPS
I guess the people who have ALL CAPS on the mail I picked up from the mail box today ARE ALSO WRONG FOR USING CAPS
Yeah, okay George.
Rather than trying to make a federal case out of this, I'll just have to agree to disagree. Unless they pass law requiring it and demand some sort of fine, I'll continue addressing my envelopes my way and you can do it your way.
There. Everyone's happy now.
IF ANYBODY CARES THE POST OFFICE has high speed OCR readers
They read CAPS faster and easier than lower case letters
Not that some would care because they still think that CAPS ARE YELLING (some stupid internet SCAM)
THE POST OFFICE has high speed OCR readersThey read CAPS faster and easier than lower case letters
Not that some would care because they still think that CAPS ARE YELLING (some stupid internet SCAM)
The reason you were IDed for a 1.95 drink was because the person selling you the drink took it upon themself to ID credit card users. This is often how this ID required policy gets started in a store. One employee does it, trains others to do it, and before long the entire store is doing it and it turns into a "policy" that nobody knows the actual origin of. Since most retail managers and customers are unaware of the card acceptance rules prohibiting them from requiring ID, the policy stays in place.
QUOTE (GEORGE @ May 22 2009, 11:38 AM)
IF ANYBODY CARES THE POST OFFICE has high speed OCR readers
They read CAPS faster and easier than lower case letters
Not that some would care because they still think that CAPS ARE YELLING (some stupid internet SCAM)
THE POST OFFICE has high speed OCR readersThey read CAPS faster and easier than lower case letters
Not that some would care because they still think that CAPS ARE YELLING (some stupid internet SCAM)
You get so worked up over some of the strangest stuff.
QUOTE (thelowpriceleader @ May 22 2009, 12:10 PM)
The reason you were IDed for a 1.95 drink was because the person selling you the drink took it upon themself to ID credit card users. This is often how this ID required policy gets started in a store. One employee does it, trains others to do it, and before long the entire store is doing it and it turns into a "policy" that nobody knows the actual origin of. Since most retail managers and customers are unaware of the card acceptance rules prohibiting them from requiring ID, the policy stays in place.
Had the credit card companies wanted businesses to ask for ID...why did they put a signature strips on the cards in the first place???
Why did they put into effect massive high speed authorization computers so you no longer have to call in credit cards for a purchase???
Why did the credit card companies tell businesses to not make ID a requirement to finalize the sale???
Wow..George are you the type of person who won't let go until everyone agrees with you and conforms to your way of thinking? You just can't get by with out having the last word can you?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
QUOTE ('sanhima date='May 26 2009, 12:42 PM)
Wow..George are you the type of person who won't let go until everyone agrees with you and conforms to your way of thinking? You just can't get by with out having the last word can you?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
All I can say to that is--->BUH BYE
...and now for the rest of the story
Not everybody has an easy time reading lower case letters
For some including me...CAPS are way easier to read
More headaches are caused by the lower case letter than any CAPS ever will
Had I invented the internet (instead of Algore) CAPS as yelling would just be another internet myth
But what does your FEAR OF CAPS have to do with CREDIT CARDS
Not everybody has an easy time reading lower case letters
For some including me...CAPS are way easier to read
More headaches are caused by the lower case letter than any CAPS ever will
Had I invented the internet (instead of Algore) CAPS as yelling would just be another internet myth
But what does your FEAR OF CAPS have to do with CREDIT CARDS
QUOTE (GEORGE @ May 26 2009, 02:46 PM)
QUOTE ('sanhima date='May 26 2009, 12:42 PM)
Wow..George are you the type of person who won't let go until everyone agrees with you and conforms to your way of thinking? You just can't get by with out having the last word can you?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
All I can say to that is--->BUH BYE
sanhima, Just in case you dont know what George did. He just put you on ignore. He had me on ignore for quite awhile. I even had George on ignore for awhile. I took him off ignore, because I wanted to make sure when he talks about debit cards it is accurate and not misleading. I know at lot about debit cards and you could even call me the debit card defender. If you want to look at a previous thread. You could see, me and George are at a stalemate with debit cards vs credit cards. Neither of us gave an inch.
QUOTE (webworm98 @ May 26 2009, 02:23 PM)
QUOTE (GEORGE @ May 26 2009, 02:46 PM)
QUOTE ('sanhima date='May 26 2009, 12:42 PM)
Wow..George are you the type of person who won't let go until everyone agrees with you and conforms to your way of thinking? You just can't get by with out having the last word can you?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
All I can say to that is--->BUH BYE
sanhima, Just in case you dont know what George did. He just put you on ignore. He had me on ignore for quit awhile. I even had George on ignore for awhile. I took him off ignore, because I wanted to make sure when he talks about debit cards it is accurate and not misleading. I know at lot about debit card and you could even call me the debit card defender. If you want to look at a previous thread. You could see, me and George are at a stalemate with debit cards vs credit cards. Neither of us gave an inch.
QUOTE (webworm98 @ May 26 2009, 03:23 PM)
QUOTE (GEORGE @ May 26 2009, 02:46 PM)
QUOTE ('sanhima date='May 26 2009, 12:42 PM)
Wow..George are you the type of person who won't let go until everyone agrees with you and conforms to your way of thinking? You just can't get by with out having the last word can you?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
All I can say to that is--->BUH BYE
sanhima, Just in case you dont know what George did. He just put you on ignore. He had me on ignore for quite awhile. I even had George on ignore for awhile. I took him off ignore, because I wanted to make sure when he talks about debit cards it is accurate and not misleading. I know at lot about debit cards and you could even call me the debit card defender. If you want to look at a previous thread. You could see, me and George are at a stalemate with debit cards vs credit cards. Neither of us gave an inch.
That's okay. He's on ignore too. So he can say what he wants. If ever decides that he wants to agree to disagree, I'm sure he knows how to use the PM feature.
QUOTE (webworm98 @ May 26 2009, 02:23 PM)
QUOTE (GEORGE @ May 26 2009, 02:46 PM)
QUOTE ('sanhima date='May 26 2009, 12:42 PM)
Wow..George are you the type of person who won't let go until everyone agrees with you and conforms to your way of thinking? You just can't get by with out having the last word can you?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
I consider using caps as a form of yelling because when I first starting using computers and e-mail, oh about 15 years ago, it was how I was trained. Blame the IT trainer at the time for that one. Besides WHENYOUUSECAPSITSOMETIMESLOOKSLIKETHISWHICHCANBEREALLYREALLYANNOYINGANDGIVEPEOPL
EHEADACHES.
Why can't you just accept that I conceed and let it go. I would hate to have a real argument with you. I swear it would be like arguing with my ex all over again. Never lets a thing go and harps on it forever. And now you know why he's the ex.
I'm done here George. So why not relax and go torment someone else's post?
All I can say to that is--->BUH BYE
sanhima, Just in case you dont know what George did. He just put you on ignore. He had me on ignore for quite awhile. I even had George on ignore for awhile. I took him off ignore, because I wanted to make sure when he talks about debit cards it is accurate and not misleading. I know at lot about debit cards and you could even call me the debit card defender. If you want to look at a previous thread. You could see, me and George are at a stalemate with debit cards vs credit cards. Neither of us gave an inch.
DEBIT vs CASH...DEBIT "CAN" be better many times (but not always)
QUOTE (GEORGE @ May 27 2009, 01:11 AM)
DEBIT vs CASH...DEBIT "CAN" be better many times (but not always)
Stolen cash vs stolen debit card.
Stolen cash, you can never get your money back
Stolen debit card, chance you can prevent the money from being stolen by call the banks hotline. Even in extreme cases you can call Mastercard and Visa emergency number and they can hotlist your card as long as it has a Mastercard or Visa symbol.
The reason, I know this. I had mine stolen while I was at the checkout on a Sunday. I left a urgent voicemail to block my card on Sunday. It was blocked on a Sunday. No charges came in. It also helped because I have my daily authorization limit set at $1000
If money happens to be taken, in most cases the bank will credit your account.
QUOTE (webworm98 @ May 27 2009, 05:51 AM)
QUOTE (GEORGE @ May 27 2009, 01:11 AM)
DEBIT vs CASH...DEBIT "CAN" be better many times (but not always)
Stolen cash vs stolen debit card.
Stolen cash, you can never get your money back
Stolen debit card, chance you can prevent the money from being stolen by call the banks hotline. Even in extreme cases you can call Mastercard and Visa emergency number and they can hotlist your card as long as it has a Mastercard or Visa symbol.
The reason, I know this. I had mine stolen while I was at the checkout on a Sunday. I left a urgent voicemail to block my card on Sunday. It was blocked on a Sunday. No charges came in. It also helped because I have my daily authorization limit set at $1000
If money happens to be taken, in most cases the bank will credit your account.
CASH IS GONE FOR GOOD
No bounced checks can be "CAUSED" by loss of the cash
DEBIT is better than carrying $3,000 cash for a purchase
Both are not super special
Neither (in my opinion) is better than a credit card
QUOTE (GEORGE @ May 27 2009, 07:59 AM)
QUOTE (webworm98 @ May 27 2009, 05:51 AM)
QUOTE (GEORGE @ May 27 2009, 01:11 AM)
DEBIT vs CASH...DEBIT "CAN" be better many times (but not always)
Stolen cash vs stolen debit card.
Stolen cash, you can never get your money back
Stolen debit card, chance you can prevent the money from being stolen by call the banks hotline. Even in extreme cases you can call Mastercard and Visa emergency number and they can hotlist your card as long as it has a Mastercard or Visa symbol.
The reason, I know this. I had mine stolen while I was at the checkout on a Sunday. I left a urgent voicemail to block my card on Sunday. It was blocked on a Sunday. No charges came in. It also helped because I have my daily authorization limit set at $1000
If money happens to be taken, in most cases the bank will credit your account.
CASH IS GONE FOR GOOD
No bounced checks can be "CAUSED" by loss of the cash
DEBIT is better than carrying $3,000 cash for a purchase
Both are not super special
Neither (in my opinion) is better than a credit card
How many time do I got to tell you. You can avoid the bounce check problem if they are able to take some money.
Lower you daily authroization limit for your debit card to $1,000
Don't write checks or only write one check for the mortgage/rent or use ACH
With some landlords, I wouldnt use a check or a debit card or ach, I would use cash or a money order.
You can do most thinks with a debit card, you can do with a check.
Here are my tips again
Debit card tips.
Have two accounts preferably at a different banks both with debit cards.
Have one that is used only for web, mail, fax and phone transactions.
Have another checking that used for in person purchases and atms.
Do not use it at pay at pump, pay inside.
When using a pin cover the entry so people and camera do not see what you put in.
Lower your daily authorization limit to $1,000
I'll keep things as they are DEBIT CARD FREE
If $1,000 is so good...why not $500 or $250 or $20 as a daily limit???
If $1,000 is so good...why not $500 or $250 or $20 as a daily limit???
QUOTE (GEORGE @ May 27 2009, 05:53 PM)
I'll keep things as they are DEBIT CARD FREE
If $1,000 is so good...why not $500 or $250 or $20 as a daily limit???
If $1,000 is so good...why not $500 or $250 or $20 as a daily limit???
$20 get real.
Some banks do $250 and $500 for your information. Which I think is two low.
Some banks have high or no limits. (I think no limits are crazy)
This way you can use it for your every days needs and on the weekend and holiday's. Get it to low, you might be able to use it on Saturday but you might not be able to use it on Sunday.
It can get more confusing, some banks have limits like this
Signature transactions $1,000
Pin transaction $2,000
Atm transaction $200 (Some banks consider this a part of the other limits)
At least my bank has
$2,500 daily limit (both pin and signature transaction) and $200 atm limit
I lowered mine to $1,000
That is why you got to find the right bank that will work with you, if you have problems.
QUOTE (webworm98 @ May 27 2009, 04:52 PM)
QUOTE (GEORGE @ May 27 2009, 05:53 PM)
I'll keep things as they are DEBIT CARD FREE
If $1,000 is so good...why not $500 or $250 or $20 as a daily limit???
If $1,000 is so good...why not $500 or $250 or $20 as a daily limit???
$20 get real.
Some banks do $250 and $500 for your information. Which I think is two low.
Some banks have high or no limits. (I think no limits are crazy)
This way you can use it for your every days needs and on the weekend and holiday's. Get it to low, you might be able to use it on Saturday but you might not be able to use it on Sunday.
It can get more confusing, some banks have limits like this
Signature transactions $1,000
Pin transaction $2,000
Atm transaction $200 (Some banks consider this a part of the other limits)
At least my bank has
$2,500 daily limit (both pin and signature transaction) and $200 atm limit
I lowered mine to $1,000
That is why you got to find the right bank that will work with you, if you have problems.
I can get $20 to $100 CASH from the register with WALMART--STORE and WALMART--DISCOVER
I need a DEBIT card why???
QUOTE (GEORGE @ May 29 2009, 01:19 PM)
QUOTE (webworm98 @ May 27 2009, 04:52 PM)
QUOTE (GEORGE @ May 27 2009, 05:53 PM)
I'll keep things as they are DEBIT CARD FREE
If $1,000 is so good...why not $500 or $250 or $20 as a daily limit???
If $1,000 is so good...why not $500 or $250 or $20 as a daily limit???
$20 get real.
Some banks do $250 and $500 for your information. Which I think is two low.
Some banks have high or no limits. (I think no limits are crazy)
This way you can use it for your every days needs and on the weekend and holiday's. Get it to low, you might be able to use it on Saturday but you might not be able to use it on Sunday.
It can get more confusing, some banks have limits like this
Signature transactions $1,000
Pin transaction $2,000
Atm transaction $200 (Some banks consider this a part of the other limits)
At least my bank has
$2,500 daily limit (both pin and signature transaction) and $200 atm limit
I lowered mine to $1,000
That is why you got to find the right bank that will work with you, if you have problems.
I can get $20 to $100 CASH from the register with WALMART--STORE and WALMART--DISCOVER
I need a DEBIT card why???
Huh? I never said you. The reason I am defending debit cards is if you use them wisely (Not meaning not using the card). You should have a very little chance of fraud or money being taking from your account. Believe it not, the same applies to credit cards.
As I said in another thread anything can be dangerous if not used wisely.
Here is how I do things with debit cards
Pay cash at merchants that I dont trust or does not have a swipe terminal.
Use Pin or signature at merchants. I may use the pin side more but I am not sure.
Pay inside for gas.
Atm Daily limit is $200
P.O.S. Daily Limit is $1,000
Overdraft coverage
Only write 2 checks
My separate account
Most of the time it has a low balance. No overdraft coverage
Use for web, phone, mail, fax orders and bill payments.
I keep about $100 to use at places I dont trust or in case my card does not work.
I keep about $100 to use at places I dont trust or in case my card does not work.
======================================
Why would ANYBODY give business to a company that they don't trust
======================================
Why would ANYBODY give business to a company that they don't trust
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