ReturnOfDOOK said:

GOOD ONE!

how ya'll gonna tell ppl how to handle their $$....


ya'll suck.....



but it is annoying.

luv4u said:

I remember this. It's because these people write so many checks to grocery stores per week. There's a limit.

ReturnOfDOOK said:

Bad PT...to little sleep makes PT a dirty girl...must get rid of her sick twisted mind....

When you use a debit card, you need to tell them to charge it as credit, not debit. When you charge it as debit, you get charged a fee much like you would if you used an ATM. When you process it as credit, the store gets the fee to process the credit transaction. If it ever prompts you to enter your PIN number, that means its trying to process it as a debit. Usually if you just hit the cancel button, it will ask you if you want Credit or Debit.

I LOATHE people who take forever to check out. If there's a line of people behind you, now is not the time to balance your checkbook, chat with the cashier about the weather and your grandkids, and putz around.

There's a special place in hell for people like that.

If low on money its better to write a cheque, cos paying by debit card the money comes out of your account that instant, yet cheques take 3-5 working days to clear, so sometimes it is better to write cheques..

Tom said:

Dayum, seems like it takes forever to pay by card in the states too!

REDFEATHERS said:

The student reasoning

PREDOMINANT said:

Umm, no not really.. but still sometimes its best to write a cheque, especially to workmen

fleshofyourflesh said:

What about those people, such as my best friend, who have checks but no debit card?

I've had a debit/credit for near a year now, but not everyone gets one just because they'e got a checking acount. Example, I have a checking account at First National Bank in my hometown, and THEY won't even give you one until you've had your account open for three months.

The place I have my savings account, you have to wait six.

My account at 5/3, I had no wait. It came in the mail two weeks later.

Check writing comes in handy when you don't have any money in the bank.

I'm glad we don't have checks anymore over here.

PS: I pay CASH!
[Edited 7/20/05 8:30am]

I don't anymore. I used to when I could write a check and it wouldn't show for a couple of days. Now it's just like using a debit card. They take the money out right away. DAMN technology, damn it to helllll!!!!


M

beret1022 said:

And then you got to worry when it bounces

Hotlegs said:

I would rather not use my credit card to buy groceries, like I don't want a big bill at the end of the month and worry about how I am going to pay it. At least it's paid for now when I use my debit, I then know how much money is in the bank that I have to budget with.

luv4u said:

my account gives me a 500 dollar overdraft privelege, so i can write checks up to 500 negative in my account, it's like a little cushion if things get tight.

REDFEATHERS said:

Exactly.

luv4u said:

Well, if I use my debit, it's going to hit me even worse.

AnckSuNamun said:

fleshofyourflesh said:

For real. I can't believe people are that annoyed by having to wait a minute or two for somebody to write a check. If you're in that big a hurry, maybe you shouldn't be at the grocery store in the first place.

RipHer2Shreds said:

If you go to high in grocery stores, the grocery store's registar writes the check out for you and all you have to do is sign.
[Edited 7/20/05 12:38pm]

REDFEATHERS said:

I agree with what you're saying b/c their talking some bullshit.
[Edited 7/20/05 12:37pm]

REDFEATHERS said:

be careful about this....most retailers and grocers changed over to e-check systems that withdrawl the funds overnight...i posted a thread about this change when it went into effect earlier this year.....


i use amex for all my purchases....then i pay it off at the end of the month..it helps me balance my budget as well as helps me rack up reward points....


and it helps keep my credit scores up...

sosgemini said:

Well everybody ain't able to have an AMEX

beret1022 said:

most credit card services offer rewards programs.....even for credit challenged folks..

Charter One offers a MegaRewards program for your debit card. There's some fees involved, like a $25 annual fee, and $5 each time you cash in your points for something, but you can still come out ahead. I cash in my points for $50 gift cards several times a year.

Hotlegs said:

I always here people say "You're going to charge your groceries...". Why the hell not? No, I'm going to suck it out of my checking account as fast as possible rather than putting it off. Get a life!

sosgemini said:

She's from England, they haven't caught up on the latest technology yet.