BINGO!
I'm not the only one. I've had to replace my bank card twice in the last month due to hacking and getting my account number stolen. Paper is sounding better and better every friggin' time..
Q2
Old ladies paying with personal checks...
- Thread starter RoJoHen
- Start date
BINGO!
I'm not the only one. I've had to replace my bank card twice in the last month due to hacking and getting my account number stolen. Paper is sounding better and better every friggin' time..
Q2
Plus, when they run a check through that machine, to verify it, there might be a chance that info can be hacked.
Shops, I'd agree.
However for parking permits, our local council (UK) won't accept anything else. I'd like to pay by card, but they don't have the facility for that. They also won't take direct debit in this particular case as they want you to fill out a form every time.
For the last ten or so years, I've used one personal cheque a year and it's always been for this.
Work is a different matter. We still use them there for one-off payments fairly regularly.
I don't see the problem paying with checks.
I am the primary caregiver for my grandmother. She is in her late 80s, and is legally blind (macular degeneration, she has 7% vision). We lost my grandfather almost a year ago - he was murdered, and we are still waiting for that trial to start ... so much for swift justice! - and with him gone, I now take care of all bills, shopping, etc., that she needs.
She has never liked to keep large amounts of cash (as in, more than one hundred dollars) in the home, insisting on keeping it at the bank. She will not use a credit or debit card, because, well she can't see them.
When we go to the grocery store (or any store for that matter), I've already written out the check, the only thing left is the amount and signiture. It speeds things up considerably.
I pay all of her bills by check, because that's what she wants, and one does not argue with ones' grandmother.
Another thought I had while reading this is ... There seem to be an awful lot of cash-advance places. These are places you can go in, write a check, and get an advance against your upcoming paycheck. I hear about them all the time, and it makes me wonder just how large their lobby is. We may not see the end of checks in this country simply because it would put that industry out of business.
I am the primary caregiver for my grandmother. She is in her late 80s, and is legally blind (macular degeneration, she has 7% vision). We lost my grandfather almost a year ago - he was murdered, and we are still waiting for that trial to start ... so much for swift justice! - and with him gone, I now take care of all bills, shopping, etc., that she needs.
She has never liked to keep large amounts of cash (as in, more than one hundred dollars) in the home, insisting on keeping it at the bank. She will not use a credit or debit card, because, well she can't see them.
When we go to the grocery store (or any store for that matter), I've already written out the check, the only thing left is the amount and signiture. It speeds things up considerably.
I pay all of her bills by check, because that's what she wants, and one does not argue with ones' grandmother.
Another thought I had while reading this is ... There seem to be an awful lot of cash-advance places. These are places you can go in, write a check, and get an advance against your upcoming paycheck. I hear about them all the time, and it makes me wonder just how large their lobby is. We may not see the end of checks in this country simply because it would put that industry out of business.
It IS mandated, isn't it? I thought we were required to switch to the chip-and-whatever system by 2015 or so. If not, we should be!
And on an unrelated matter, I really wish my favorite NYC deli (Katz's) would take credit cards. They're the only reason I have to carry any cash in New York, and it kind of pisses me off... #firstworldproblems
But isn't that in part due to the USA seemingly behind the times when it comes to card technology? I was on holiday recently in the USA and most if not all of the time I used a card as means of payment they didn't even check to see if the signature matched. Sure in the UK we have a few Chip N Sign cards but the cashier is still trained to check the signature.
I certainly haven't heard anything about it.
And on an unrelated matter, I really wish my favorite NYC deli (Katz's) would take credit cards. They're the only reason I have to carry any cash in New York, and it kind of pisses me off... #firstworldproblems
It's funny. I talk about checks being out-dated, but I am definitely a cash person. Granted, most of my income is from bartending, so I take cash tips home at the end of the night. I use cash to pay for pretty much everything except my online bills.
Most people don't even sign the backs of their cards anymore. People really just don't seem to care.
I use both cash and credit cards when I'm shopping in stores, and both checks and online transfers when paying my bills. However, my life insurance company only takes checks, and one of my utilities uses a separate online bill pay service that charges me an extra $2.75 "convenience fee" for using it (so by snail mail check it will be for them).
Unless she came right from the job and didn't get a chance to change out of her work clothes.
The buisness' should care as they could be held liable for any losses.
Sorry, but some of these problems are self-inflicted. Don't use your ATM/debit card anywhere other than an ATM. Bad plan. You get that stolen, your money is GONE, and then you get to argue with the bank to try and get it back.
When you use a credit card instead, it's "imaginary" money until the end of the billing period, so easy to get the fake transaction frozen and removed, or you just don't pay it while you sort it out.
One leaves you with paperwork to fill out, one leaves you with an empty bank account. No matter what nonsense Ramsey spouts, plenty of good things about credit cards.
Replacing one because of fraud is annoying, but hardly a big impact. Usually my biggest problem is trying to go through the bill and figure out everywhere that had automatic payments so that I can move them all to a new account. If I were smarter, I'd probably move all recurring payments to a credit card I NEVER buy anything online or at a store with, to reduce even that pain in the ass some more...
Usually, if the transaction is small enough, they decide it's not worth it to care. Its only for transactions over a certain amount that they require a signature.
I keep track of my bank balance and pay a lot of my bills online, but I find that paper checks still have their uses. A couple of my doctors don't yet have their offices set up to take online payment or debit cards. And because paper checks usually take two or three days to clear, I can use them to advance myself cash when I'm a bit short.
Mine have pictures of Betty Boop.
Oh, and never order your checks from the bank. Banks have at least a 200% markup on check orders. I get mine direct from the check printing company..
That's the only way to go. Cost aside, you will find a much greater diversity of themes, designs, colors, etc. with some of these companies.I hear you brother!!! Well over 35 years for me at this point and smooth sailing all the way.
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