I'm a payment snob

[AlienCraft]

Let me know when you decide to start negotiating prices at convenience stores up here. You won't win.

Happens all the time. Clerks often let regular customers slide on a few cents if they're short on a purchase, and over time, that's probably about 1-2%. That often gets made up by the many number of people who LEAVE a few cents ie. not taking the $.02 from a $1.00 bill on a $.98 purchase.
I see that a lot.

 

[Kntx]

Happens all the time. Clerks often let regular customers slide on a few cents if they're short on a purchase, and over time, that's probably about 1-2%. That often gets made up by the many number of people who LEAVE a few cents ie. not taking the $.02 from a $1.00 bill on a $.98 purchase.
I see that a lot.

Yep. My local hasty market is pretty good about this. Had a few freebies, discounts here and there.

 

[Eos]

Also, I have no idea what peoples' bank accounts are like, but for mine, I get 10 free debit transactions (includes ATM withdrawals, debits, fund transfers out) if I keep at least $1k in there collecting zero interest. After 10, I have to start paying $0.65 per transaction, or I switch to another account with a $10+ monthly fee with a higher cap. So, all those "cash discounts" get balanced out by the CC rewards, interest collected on money in the bank, convenience, etc.

That is a SHIT account. Yikes.

Credit union. Use the debit card ten times, use direct deposit, accept paperless statements, and we get 2.21% dividend on a balance up to $10,000. ALL non-network ATM fees are reimbursed at the end of the month. It's pretty sweet.

 

[Eos]

Happens all the time. Clerks often let regular customers slide on a few cents if they're short on a purchase, and over time, that's probably about 1-2%. That often gets made up by the many number of people who LEAVE a few cents ie. not taking the $.02 from a $1.00 bill on a $.98 purchase.
I see that a lot.

Are these convenience store prices the same you would pay somewhere else? Probably over 2% higher than somewhere else. I don't see the wisdom in shopping at the convenience store, unless there is no other option. That means I would never become a regular customer.

 

[Kntx]

Are these convenience store prices the same you would pay somewhere else? Probably over 2% higher than somewhere else. I don't see the wisdom in shopping at the convenience store, unless there is no other option. That means I would never become a regular customer.

They are convenient!

 

[Imp]

That is a SHIT account. Yikes.

Credit union. Use the debit card ten times, use direct deposit, accept paperless statements, and we get 2.21% dividend on a balance up to $10,000. ALL non-network ATM fees are reimbursed at the end of the month. It's pretty sweet.

Ya, I know. It's sad because we only have about 5 major banks here and the 'independent' network is only starting to get set up. I have a second ING chequing account that's free everything, but I want the convenience of having a branch a block away from home and many more throughout the country. Once that alternative ATM network gets more established, I'll look into dumping it. I've practically written that $1k minimum off as placeholder money.

 

[foghorn67]

Brb checking my....

Go for it.

Seriously, why haven't you been banned yet?

 

[Eos]

Ya, I know. It's sad because we only have about 5 major banks here and the 'independent' network is only starting to get set up. I have a second ING chequing account that's free everything, but I want the convenience of having a branch a block away from home and many more throughout the country. Once that alternative ATM network gets more established, I'll look into dumping it. I've practically written that $1k minimum off as placeholder money.

Good luck. I hope a better option comes along soon.

 

[HAL9000]

Seriously, why haven't you been banned yet?

Probably because I haven't really broken any rules or done anything that warrants a ban...? (because you don't like me doesn't count.)

 

[PieIsAwesome]

I look down on people paying with cash.

I look down on people paying with debit.

I want to beat people paying with checks.


I pretty much think anyone not paying with a CC is a fool.

:/

Same here.

Hmmm, this thread is long, I will now read it for epic lolz.

 

[foghorn67]

Probably because I haven't really broken any rules or done anything that warrants a ban...? (because you don't like me doesn't count.)

You trolled every thread you have been in.

 

[HAL9000]

You trolled every thread you have been in.

IYO.

 

[TridenT]

Don't own a credit card. Maybe that's why I don't use one?

Otherwise I use debit for everything. Only time I use cash is for vending machines or places that take nothing but cash.

 

[Eos]

Don't own a credit card. Maybe that's why I don't use one?

Otherwise I use debit for everything. Only time I use cash is for vending machines or places that take nothing but cash.

I think this is the first normal response to why someone doesn't use a CC. Well done. :clap:

 

[Elbryn]

Me too, but my limit is $10,000. Love it, love it, love it.

I'm more concerned about someone draining the checking account due to theft of my debit card and then waiting for that to get taken care of. If I'm not personally swiping the card, then it's run on my Chase amazon.com rewards card.

unless your kasasa account requires signed debit transactions, you can clear your debit transaction requirement by buying X number of $1 dollar amazon gc's. safer than using it on gas, groceries, etc

 

[Elbryn]

I look down on people paying with cash.

I look down on people paying with debit.

I want to beat people paying with checks.


I pretty much think anyone not paying with a CC is a fool.

:/

playing devil's advocate... how exactly do you manage to pay the CC off? if you use billpay, that's using a check, albeight an electronic one.

if you have a mortgage or car loan, most of those do not allow you to pay with CC. property taxes if paid separately usually are not CC able without surcharges. utilities are similar too in my experience.

 

[Arkaign]

I use a combination of cash, credit, and debit. A lot of situations require cash, like buying a couple beers and a hotdog from the vendor walking around at your ballgame, and then when traveling I like to use cash at gas stations/etc to avoid the possibility of some ragtag crooked store using my credit or debit data to rack up fraudulent charges. Yes you can get it straightened out eventually, but it's a bitch and time consuming.

I have never written a physical check in my life, and I never will I'm always slightly annoyed when behind some old person who takes twenty years to write a check, then it has to go through the whole scanning/apporval process.

Back before I sold my business, I hated taking credit cards because of all the fees, it sucks ass on the business end of it.

Anyhow, I can't quite understand why someone would even take the time to look down on people for how they pay for stuff, so long as it doesn't inconvenience you in some meaningful way.

 

[Eos]

unless your kasasa account requires signed debit transactions, you can clear your debit transaction requirement by buying X number of $1 dollar amazon gc's. safer than using it on gas, groceries, etc

Debit, cash, and check are all that's allowed at our grocery store, so we get most of the transactions there. GCs were the fallback purchase...

 

[Bignate603]

I have never written a physical check in my life, and I never will I'm always slightly annoyed when behind some old person who takes twenty years to write a check, then it has to go through the whole scanning/apporval process.

They come in handy, but I've never used them at a store. I've used them to donate money to charities and also to pay for people to do work on my house. A plumber or other person that does service at people's homes often doesn't have the ability to accept payment from cards and I don't want to keep a few grand in cash sitting around at home (and the plumber may not want to be driving around with that much money all day either). Paying by check is the easiest way to do it.

 

[rudeguy]

I very rarely use cash. I only have cash on me if I know I'm going to need it or if someone paid me back money they owe me.

I can't remember the last time I wrote a check either...



I always pay in gold dust.

 

[Arkaign]

They come in handy, but I've never used them at a store. I've used them to donate money to charities and also to pay for people to do work on my house. A plumber or other person that does service at people's homes often doesn't have the ability to accept payment from cards and I don't want to keep a few grand in cash sitting around at home (and the plumber may not want to be driving around with that much money all day either). Paying by check is the easiest way to do it.

Good point, I could see that coming up. I've never had a service done that I hadn't had the cash to pay, but I've never had things that expensive before. That kind of stuff usually falls to my brother and I, or some of our USAF buddies with wrenches and beers

 

[grrl]

You are obviously just pulling our legs, nobody is this stupid. Nobody

But if all his posts have to have value how will he attain lifer status in less than a year?

 

[HAL9000]

But if all his posts have to have value how will he attain lifer status in less than a year?

I don't care about that.

 

[Ken g6]

The nice thing about cash is they can't double-charge you without you noticing. Twice I've had purchases on my debit card (for fast food) double-run somehow. The first time (~$5) I stopped using the debit card there. The second time (completely different place, ~$20), I made a stink and got the second charge removed. But with cash you don't have to mess with that.

 

[WelshBloke]

I use a combination of cash, credit, and debit. A lot of situations require cash, like buying a couple beers and a hotdog from the vendor walking around at your ballgame, and then when traveling I like to use cash at gas stations/etc to avoid the possibility of some ragtag crooked store using my credit or debit data to rack up fraudulent charges. Yes you can get it straightened out eventually, but it's a bitch and time consuming.

I have never written a physical check in my life, and I never will I'm always slightly annoyed when behind some old person who takes twenty years to write a check, then it has to go through the whole scanning/apporval process.

Back before I sold my business, I hated taking credit cards because of all the fees, it sucks ass on the business end of it.

Anyhow, I can't quite understand why someone would even take the time to look down on people for how they pay for stuff, so long as it doesn't inconvenience you in some meaningful way.

Pretty much agree with the above.

They come in handy, but I've never used them at a store. I've used them to donate money to charities and also to pay for people to do work on my house. A plumber or other person that does service at people's homes often doesn't have the ability to accept payment from cards and I don't want to keep a few grand in cash sitting around at home (and the plumber may not want to be driving around with that much money all day either). Paying by check is the easiest way to do it.

I tend to pay workmen that I know in cash, get a 15-20% discount that way :sneaky: