Does this mean I'm a creature of habit?
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i buy almost everything with a credit card. frequent flyer miles!
Here's hoping you're not ahead of me in a queue then.
Steve
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Here's hoping you're not ahead of me in a queue then.
Steve
in my experience, using a card is nearly always quicker then fishing for cash, having the clerk count back change, dropping some coins, etc.. stores in the US don't even ask for a signature, if it's a small purchase, these days.
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I went to my regular lunch place today, and ordered the usual, and my credit card was declined due to "Duplicate Transaction". :sigh: My eating habits have triggered fraud protection.
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i buy almost everything with a credit card. frequent flyer miles!
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Times must be bad when you're buying your daily food with a credit card. :(
Pete
Why must using a credit card imply bad times? I used to buy anything I could on my credit card. The rewards points bought me a free return ticket to Cape Town.
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Times must be bad when you're buying your daily food with a credit card. :(
Pete
I use my credit card only in reputed places, especially for high value transactions. I carry some cash for my daily expenses, but a lot of people find it convenient to swipe their card (as some of them have already pointed out). So, it's just a matter of preference.
"Real men drive manual transmission" - Rajesh.
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in my experience, using a card is nearly always quicker then fishing for cash, having the clerk count back change, dropping some coins, etc.. stores in the US don't even ask for a signature, if it's a small purchase, these days.
No PIN entry?
-- Kein Mitleid Für Die Mehrheit
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No PIN entry?
-- Kein Mitleid Für Die Mehrheit
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No PIN entry?
-- Kein Mitleid Für Die Mehrheit
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No PIN entry?
-- Kein Mitleid Für Die Mehrheit
not with a credit card. bank debit cards, yes. totally insecure, sure. but damned convenient!
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No PIN entry?
-- Kein Mitleid Für Die Mehrheit
I prefer PIN entry, mostly because I'm terrible at writing my own name. I tend to get bored at some random point through and then just make random scribbles, and it can be at a different point every time I sign...I'm surprised my bank doesn't think someone is trying to forge my name.
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I use my credit card only in reputed places, especially for high value transactions. I carry some cash for my daily expenses, but a lot of people find it convenient to swipe their card (as some of them have already pointed out). So, it's just a matter of preference.
"Real men drive manual transmission" - Rajesh.
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not with a credit card. bank debit cards, yes. totally insecure, sure. but damned convenient!
Here we're starting to have NIPed credit cards; they came along the chipped cards.
Watched code never compiles.
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Plus ATM fees to actually get cash add to the cost of using cash. On the other hand I get a small percentage of what I spend back when I use my debit card so I prefer to use that.
The ATM usage charges are negligible here in my country. If you use ATM machines of the card issuing bank, there will be no charge at all. If you use the ATM machines of other banks, the first few transactions (5 or so per month) are free and then they start charging you something like half an USD per transaction. Not something I'd sweat about. :)
"Real men drive manual transmission" - Rajesh.
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The ATM usage charges are negligible here in my country. If you use ATM machines of the card issuing bank, there will be no charge at all. If you use the ATM machines of other banks, the first few transactions (5 or so per month) are free and then they start charging you something like half an USD per transaction. Not something I'd sweat about. :)
"Real men drive manual transmission" - Rajesh.
Here it's often a few USD per transaction if it's not your bank's ATM. Luckily my bank refunds something like the first 20 per month (and honestly if you're withdrawing money that often you're probably not planning well). (Also: "ATM machine" is redundant ;P )
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I prefer PIN entry, mostly because I'm terrible at writing my own name. I tend to get bored at some random point through and then just make random scribbles, and it can be at a different point every time I sign...I'm surprised my bank doesn't think someone is trying to forge my name.
lewax00 wrote:
I'm surprised my bank doesn't think someone is trying to forge my name.
As to what I've heard from someone in the banking industry, they'll start worrying only if YOU raise a dispute about a fraudulent swipe of your card. Until then, it's assumed that everything is in good shape, even if you write 'OMGLOLBBQ' in place of your signature. :)
"Real men drive manual transmission" - Rajesh.
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lewax00 wrote:
I'm surprised my bank doesn't think someone is trying to forge my name.
As to what I've heard from someone in the banking industry, they'll start worrying only if YOU raise a dispute about a fraudulent swipe of your card. Until then, it's assumed that everything is in good shape, even if you write 'OMGLOLBBQ' in place of your signature. :)
"Real men drive manual transmission" - Rajesh.
Now I'm tempted to test that. But it makes sense, from my understanding pretty much anything constitutes a legal signature. I had a friend who signed things "go **** yourself" or something to that effect. [EDIT] Just remembered, somewhat related, but my bank has contacted my father for a suspicious charge on his card before he even noticed it, so they must pay some attention, but this may have been more location based.
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Now I'm tempted to test that. But it makes sense, from my understanding pretty much anything constitutes a legal signature. I had a friend who signed things "go **** yourself" or something to that effect. [EDIT] Just remembered, somewhat related, but my bank has contacted my father for a suspicious charge on his card before he even noticed it, so they must pay some attention, but this may have been more location based.
I actually have tested it once by doing a signature that's completely different while paying in an electronics store. But then there was no enquiry of anything about this transaction from the bank. Not a phone call, an email or anything. I assumed that they don't simply verify the signatures at all. The store cashier was supposed to match the signature I did with the one behind the card, but he didn't do it either. The transaction appeared along with other ones in the following month's statement.
"Real men drive manual transmission" - Rajesh.
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Now I'm tempted to test that. But it makes sense, from my understanding pretty much anything constitutes a legal signature. I had a friend who signed things "go **** yourself" or something to that effect. [EDIT] Just remembered, somewhat related, but my bank has contacted my father for a suspicious charge on his card before he even noticed it, so they must pay some attention, but this may have been more location based.
lewax00 wrote:
Just remembered, somewhat related, but my bank has contacted my father for a suspicious charge on his card before he even noticed it, so they must pay some attention, but this may have been more location based.
Quite possible. A few years ago I drove my sister back to college in NYC from my parents house in the Pittsburgh pa area (about 8 hours 1 way). I did the whole trip in a single day, only stopping to nap at a rest stop halfway home. Later that day when I woke the second time my CC company had left me voice mail asking about some suspicious charges (gas/dinner). Apparently when combined with the lack of airfare/hotel charges the lunch/brunch stops about 2h from my parents place weren't enough to convince their computers I'd actually been there. It was a very short conversation, after the obligatory BS: "If you're referring to W, X, Y, or Z (identified by business type and approximate location); they're legit."
3x12=36 2x12=24 1x12=12 0x12=18
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Times must be bad when you're buying your daily food with a credit card. :(
Pete
I use my credit card for just about everything. It saves me from needing to carry cash and I earn 1% or sometimes 5% cash back which ends up being between $100 and $300 per year. I don't pay any fee because I pay off the entire balance each month.
John
