Cheque books
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On our men's room, handily underneath the word MEN are the three braille characters. But how do you know whether you are standing in front of a sink or a urinal? That's what I'd like to know? :) Chris
If you whack the bottom, it's probably the sink. "Knock, knock." "Who's there?" "Recursion." "Recursion who?" "Knock, knock..."
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Yeah but don't you have to pay a little extra the more you spend for the extra facilities of a credit card over a debit card? I always use my switch card online as I've always assumed, perhaps wrongly, that using my mastercard would cost me more. Simon "This is an equal opportunities airline. The pilot is blind." Sonork ID 100.10024
I assume you'll get charged if you spend more than the credit limit on your card, but if you keep your card empty, then that shouldn't be a problem (unless you've either got a very low credit limit on the card, or you're paying for rediculously expensive stuff!) If you pay off the full amount at the end of every month, then you'll never get charged interest -- Help me! I'm turning into a grapefruit!
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I assume you'll get charged if you spend more than the credit limit on your card, but if you keep your card empty, then that shouldn't be a problem (unless you've either got a very low credit limit on the card, or you're paying for rediculously expensive stuff!) If you pay off the full amount at the end of every month, then you'll never get charged interest -- Help me! I'm turning into a grapefruit!
benjymous wrote: If you pay off the full amount at the end of every month, then you'll never get charged interest Not a problem for me, the card's on direct debit. :D Thanks for the tip, I'll start using the credit card from now on. Simon "This is an equal opportunities airline. The pilot is blind." Sonork ID 100.10024
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With traditional credit cards, you hand over the card (or the number), and the money is taken from your credit card account, which you then have to pay off With a switch card, the money is taken directly from your current account. Using switch cards online is pretty dangerous, as there's no fraud protection (whereas with a credit card you'll automatically be covered for any fradulent transaction over £50) However a since a switch card is tied to your bank account, you won't be able to spend more money than you have (so if you're at the maximum of your overdraft, the switch card won't let you take anything) So really credit cards can be thought of as a replacement for cheques, and switch cards a replacement for cash (or at least that's how I use mine) My parents buy everything on credit card, but always pay off the full amount each month (as they get 10% cashback on everything they spend with that card) -- Help me! I'm turning into a grapefruit!
Your description of a Switch card sounds exactly the same as my Barclays Connect Visa (i.e. they are both debit cards), except that I am covered for transactions as if it were a credit card online or offline. Why would anyone want to (or indeed need to) use Switch then? Is it just a left over form previous schemes? I've never liked the idea of a credit card - I only spend the money I physically have "in my hand" so to speak, so the idea of having to owe it to soemone and then pay it back seems a little, well, pointless. If I don't have the money to spend, I don't spend it. I'll leave getting myself into debt until I buy my first house.
David Wulff http://www.davidwulff.co.uk
Listening to quiet music can seriously damage your credability.
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On our men's room, handily underneath the word MEN are the three braille characters. But how do you know whether you are standing in front of a sink or a urinal? That's what I'd like to know? :) Chris
Why would you need to know if its the men's room, you're blind, you can't see anyone. Go in the ladies room for all I care. :laugh:
Jason Henderson
quasi-homepage
articles
"Like it or not, I'm right!" -
Sheeaaaat. An American that can spell cheque correctly. No. As a matter of fact I have never owned a cheque book. Michael Martin Australia mjm68@tpg.com.au "I personally love it because I can get as down and dirty as I want on the backend, while also being able to dabble with fun scripting and presentation games on the front end." - Chris Maunder 15/07/2002
Michael Martin wrote: An American that can spell cheque correctly LOL, I tried really hard to get it right :) James "Java is free - and worth every penny." - Christian Graus
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Your description of a Switch card sounds exactly the same as my Barclays Connect Visa (i.e. they are both debit cards), except that I am covered for transactions as if it were a credit card online or offline. Why would anyone want to (or indeed need to) use Switch then? Is it just a left over form previous schemes? I've never liked the idea of a credit card - I only spend the money I physically have "in my hand" so to speak, so the idea of having to owe it to soemone and then pay it back seems a little, well, pointless. If I don't have the money to spend, I don't spend it. I'll leave getting myself into debt until I buy my first house.
David Wulff http://www.davidwulff.co.uk
Listening to quiet music can seriously damage your credability.
David Wulff wrote: I've never liked the idea of a credit card - I only spend the money I physically have "in my hand" so to speak, so the idea of having to owe it to soemone and then pay it back seems a little, well, pointless. If I don't have the money to spend, I don't spend it. I keep my credit card on hand for emergencies; so far I haven't needed it in a real emergency. The few times I have used it, it was because I didn't know when exactly my deposit was going to make it into my account. So I did any purchases that would cause an overdraft on my credit card. Oddly enough Amazon.com doesn't care one bit whether I use my credit card (MC) or my debit card (Visa) :rolleyes: James "Java is free - and worth every penny." - Christian Graus
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Does anyone use them anymore? While cleaning my desk I found my cheque book which hasn't been used since April 19, 2001 and that was only to make a credit card payment because my credit card company hadn't allowed online payments yet. Now all I only use my debit card and on occasion my credit card. Just curious ;) James "Java is free - and worth every penny." - Christian Graus [Edit: I went out of my way to try to spell it correctly for most of you so don't be too harsh if I slipped up :)]
They are still used a bit over here.. but not as much as they used to be.
"When a friend hurts us, we should write it down in the sand, where the winds of forgiveness get in charge of erasing it away, and when something great happens, we should engrave it in the stone of the memory of the heart, where no wind can erase it" Nish on life [methinks] "It's The Soapbox; topics are optional" Shog 9
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Why would you need to know if its the men's room, you're blind, you can't see anyone. Go in the ladies room for all I care. :laugh:
Jason Henderson
quasi-homepage
articles
"Like it or not, I'm right!"Don't be giving them ideas! A pair of dark glasses, a cane, and we can get away with anything:-D "Knock, knock." "Who's there?" "Recursion." "Recursion who?" "Knock, knock..."
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Colin Davies wrote: I refuse to have a credit card So, how do you buy things over the web? If I didn't have a credit card then I'd actually have to have the money to buy things. Not a good thought. :~ Cheers, Simon "Sign up for a chance to be among the first to experience the wrath of the gods.", Microsoft's home page (24/06/2002)
My "Business Services Manger" at the bank drafts a creditcard transaction for me, and handles it. Which means I can't ask her to book me into pr0n sites etc. :-( All I have to do is email her with a link and details of what I want in the shoppinbg cart and it's handled. But it costs me close to 25$ US per transaction, so I generally buy books at Amazon.com by the score. Or other stuff only when the price is right. Yes, it is an inconvenience. But I HATE credit. Regardz Colin J Davies
Sonork ID 100.9197:Colin
I am sick of fighting with Martin, I think I will ignore his posts from here on in, and spend the time working on articles instead. Christian Graus