View Poll Results: How do you pay - cash or card?

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  • Always with my card

    13 17.33%
  • Mostly with my card

    41 54.67%
  • Mostly cash

    17 22.67%
  • Always cash

    3 4.00%
  • I can't decide

    1 1.33%
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Thread: How do you pay - cash or card?

  1. #51
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Gaius46 View Post
    In the U.S. debit cards can work as credit cards and be processed through the VISA or MasterCard systems. In that case a PIN isn't required. The only time you must use a PIN is if you go to an ATM. Though some places - it seems random to me - require entering the billing address zip code for purchase done through the VISA or MasterCard systems.
    Wow!
    Do they at least check if the signature is the same?

  2. #52
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Canell View Post
    Wow!
    It's actually pretty convienent, you couldn't, for example, order a pizza to delivered and pay for it with your debit card otherwise, and it must be profitable despite the losses because the service is still being offered.
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  3. #53
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Canell View Post
    On this side of the pond (Europe) when you buy something with a card you are asked to enter PIN. How would someone that stole your card or card number know your PIN if it is in your head only?
    Europe's card securities are safer than ours (Americans).

    Still, you should never underestimate the stupidity of the stores/restaurants you shop at. Credit/debit card numbers are written down at restaurants to "charge later." I've seen waiters make mistakes and over/under charged. Skimmers can easily be affixed to card readers, which easily beats the PIN entry.

    In other companies, I've seen numbers stored in Excel spreadsheets on the company intranet. Where I working in finance/accounting or others had instant access to hundreds of thousands of numbers and the corresponding names, expiration dates and CVVs.

    Quote Originally Posted by Canell View Post
    Wow!
    Do they at least check if the signature is the same?
    Not usually.

  4. #54
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Canell View Post
    Wow!
    Do they at least check if the signature is the same?
    Rarely, but even if they do, who can tell from that little line provided for your sig on the back. The cards need to be biometric. Most all of the times I use my card that way it's at places that are familiar with me anyway.

  5. #55
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    Re: How do you pay - cash or card?

    Always plastic when possible. I hate carrying change around.

    I already have one heavy bulge in my pants. I don't need another.

  6. #56
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    Re: How do you pay - cash or card?

    Quote Originally Posted by clownboy View Post
    Rarely, but even if they do, who can tell from that little line provided for your sig on the back. The cards need to be biometric. Most all of the times I use my card that way it's at places that are familiar with me anyway.
    I would recommend the PIN. At least some form of protection.
    Well, that's only if you don't care about your "shopping statistics".

  7. #57
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    Re: How do you pay - cash or card?

    Quote Originally Posted by brothern View Post
    HOLY @*)#&ING #)$(&*!! That's incredibly risky.

    If your debit card number manages to get itself stolen, you're held directly liable for the crook's purchases because it's linked directly to your bank account. Even if you keep little money in the account or have "identity theft" insurance - your bank and your insurance will still go after you. Their lawyers trot out the "You should have known better and used credit," and you have no counter argument. It'll further destroy your credit history and you'll never be able to borrow money / have credit again.

    It's why credit is 1,000x safer. The crook is using your credit, but the credit card company's money. Those companies take out insurance on identity theft, actively screen for fraudulent purchases and will be inclined to forgive you if you are able to quickly report the fraud. Basically you're enlisting the resources of the credit card to protect you.

    In addition - your "safety precautions" don't matter one stinking bit. Today's crooks do not go after you - they go after the gas stations, stores, restaurants and utility companies. That's because almost every company today stores your debit/credit information (without your consent or knowledge) and fails to sufficiently protect the information. It's mind-blowingly easy for a crooked employee to attach a skimmer to the card reader or for someone to hack a company database and sell the data. It sucks, because there's NOTHING you can do to prevent it.
    This is simply NOT true in all cases. I have no special card so my bank must be totally different thant what you are talking about. I use my debt card for everything also and there were faulty purchases on it totaling $800+ i got some of the chargers drop instantly, the majority of my money (784.54) was back in 72hrs and the last 90 was back in a week.
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  8. #58
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Gaius46 View Post
    In the U.S. debit cards can work as credit cards and be processed through the VISA or MasterCard systems. In that case a PIN isn't required. The only time you must use a PIN is if you go to an ATM. Though some places - it seems random to me - require entering the billing address zip code for purchase done through the VISA or MasterCard systems.
    Most times the zip code is required when the purchase is over X amount (arbitrarily set at the retailer) to verify with the billing address of the card.
    Building block or stumbling block.... choose.

  9. #59
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    Re: How do you pay - cash or card?

    Canadians, like me, took to debit card transactions like crazy when they first came out a couple of decades ago and I think we've led the world at some point or for some time in our use of them - upwards of 94% have and use the cards. I like using cash, when I'm budgeting, because I'm a little old fashioned and watching cash leave my hands and dwindle in my wallet is a little more painful than using a debit card and not seeing the money change hands. I try to avoid credit unless I'm purchasing a larger item, or paying for a pricey car repair, and intend to pay it off over a few months.
    "Liberals claim to want to give a hearing to other views, but then are shocked and offended to discover that there are other views." William F. Buckley Jr.

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    Re: How do you pay - cash or card?

    Quote Originally Posted by Gipper View Post
    Always plastic when possible. I hate carrying change around.

    I already have one heavy bulge in my pants. I don't need another.
    That colostomy bag can be pretty awkward, huh?
    "Liberals claim to want to give a hearing to other views, but then are shocked and offended to discover that there are other views." William F. Buckley Jr.

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