Cheque books
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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)
SimonS wrote: So, how [does he] buy things over the web? I would assume he has a Visa debit card like my Barclays one, or else something like Switch which is accepted in quite a few places now. I don't know anything really about the Switch idea though - can anyone bring me up-to-date?
David Wulff http://www.davidwulff.co.uk
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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 :)]
Yes, I still use a cheque book. I do most of my bill-paying over the mail. I could pay many of my bills on-line, but the problem is, if the business in question is not set up to take on-line payment, then the bank just sends out a cheque anyway. I also make any charitible donations with cheque, so I have a record of it and can use it as a deduction on my taxes. :-D I rarely use cash, unless I have to. I have a Visa card that I pay off every month (therefore, I pay no interest) for most transactions (esp. groceries, retail, etc.) I could use a debit card, but it is more difficult to deal with things like fraud, since the money comes right out of your account, so you have to catch it quick. Many of the bills I pay though could be direct debited from my account... right now I only do one bill that way (the good ol' student loan), but I may do more of that in the future. Even if you win the rat race, you're still a rat.
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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 :)]
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
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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 :)]
not since God invented Quicken. that is, i use it as a place to get a check from, but not to do balancing, etc.
To explain Donald Knuth's relevance to computing is like explaining Paul's relevance to the Catholic Church. He isn't God, he isn't the Son of God, but he was sent by God to explain God to the masses.
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SimonS wrote: So, how [does he] buy things over the web? I would assume he has a Visa debit card like my Barclays one, or else something like Switch which is accepted in quite a few places now. I don't know anything really about the Switch idea though - can anyone bring me up-to-date?
David Wulff http://www.davidwulff.co.uk
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!
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I use fifteen or so a month. It's often easier to write a check than drop by the ATM at the bank, especially when I'm out playing darts and need a few bucks for beer and quarters. By the way, have you noticed that the drive-up bank teller machines have braille keypads? What's up with that? I sure hope the dog's driving! "Knock, knock." "Who's there?" "Recursion." "Recursion who?" "Knock, knock..."
I've noticed that too! :laugh: I have also seen signs showing the direction of the restrooms with braille writing. How are blind people supposed to find those???
Jason Henderson
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"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: Sheeaaaat. An American that can spell cheque correctly Strangely that was the first thing that struck me, but I let it pass incase someone had a go at me for racial comments again. :omg:
David Wulff http://www.davidwulff.co.uk
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I've noticed that too! :laugh: I have also seen signs showing the direction of the restrooms with braille writing. How are blind people supposed to find those???
Jason Henderson
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"Like it or not, I'm right!"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
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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 :)]
I find writing a cheque a pain in the arse. Besides, there's rarely a need to do it. The only times I have used my chequebook are for large student fee payments and a few times on ebay. Simon "This is an equal opportunities airline. The pilot is blind." Sonork ID 100.10024
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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: No. As a matter of fact I have never owned a cheque book. Sheeaaaat an old fogie like you never owned a cheque book? I thought it was like a de facto old fogie giveaway thing, going to have to rethink that one. It is fine for whippersnappers like me not to have cheque books, because we go broke through credit cards and online pron subscriptions paid by PayPal, but old fogies are supposed to have a cheque book. regards, Paul Watson Bluegrass Cape Town, South Africa The greatest thing you'll ever learn is just to love, and to be loved in return - Moulin Rouge Alison Pentland wrote: I now have an image of you in front of the mirror in the morning, wearing your knickers, socks and shoes trying to decided if they match!
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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!
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
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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
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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..."