My debit card does not allow tips

[Nik]

I've been watching for months now. Small tips go through (I should change the OP) but large tips are non-existent.

Why haven't you called your bank to specifically ask why?

THEY are the authority on the matter so what's stopping you?

 

[Narmer]

Why haven't you called your bank to specifically ask why?

THEY are the authority on the matter so what's stopping you?

Because it's working out for me.

 

[Narmer]

No way bro, putting your bank account into overdraft is way better than credit card interest. My mom told me so.

29% interest / 12 months * $500 bill = $12 credit fee for that month

Going 1 penny into overdraft = $324890723904834 fee

As you can see, $12 going to Visa is significantly more expensive than $34309823049908 going to Citibank.

Overdraft? Really? I think that only happens with checks. Every single transaction I do with my debit card either goes through or is rejected outright. Every single one.

 

[Nik]

Why bother putting a tip on your receipt at all?

...you're being willfully deceitful?

 

[Narmer]

So get a different card and fuck them.

2005-2007 was the golden age of getting CCs. Now, with the new Consumer Protection Agency coming into being, it will be impossible to get anything like I once had. Besides, I like the current setup.

 

[Nik]

Overdraft? Really? I think that only happens with checks. Every single transaction I do with my debit card either goes through or is rejected outright. Every single one.

If I don't have enough in my checking but have enough in my savings, my bank will auto-transfer money between accounts to cover the balance of the transaction.

Depending on how the transaction is processed, it's possible for the bank to accept the charge even though you don't have enough money in any account to cover it, even with a debit card, but that's the bank's decision. My bank does it every now and then.

 

[waggy]

Because it's working out for me.

when i started reading the thread i thought man that sucks. people on ATOT are assholes for jumping on him over this.

then you post this. yeah fuck you. they were right.

 

[waggy]

If I don't have enough in my checking but have enough in my savings, my bank will auto-transfer money between accounts to cover the balance of the transaction.

Depending on how the transaction is processed, it's possible for the bank to accept the charge even though you don't have enough money in any account to cover it, even with a debit card, but that's the bank's decision. My bank does it every now and then.

I just opened a new account. i had to sign a paper saying if i wanted the bank to accept the charge and give me a OD fee or to refuse it at the POS.

i have it set up to refuse it at the POS.

 

[Narmer]

If I don't have enough in my checking but have enough in my savings, my bank will auto-transfer money between accounts to cover the balance of the transaction.

Depending on how the transaction is processed, it's possible for the bank to accept the charge even though you don't have enough money in any account to cover it, even with a debit card, but that's the bank's decision. My bank does it every now and then.

My bank won't. Also, the checking and savings are supposed to be like two silos, separate. That purpose would be defeated if someone stole your debit card, ran up charges, and your bank foolishly transferred money from your savings to checking.

Citibank just rejects it. Even for small things like Netflix. That is why I have an auto-transfer a day or two before I know I'm going to be charged.

 

[Nik]

when i started reading the thread i thought man that sucks. people on ATOT are assholes for jumping on him over this.

then you post this. yeah fuck you. they were right.

Yep.

 

[Nik]

My bank won't. Also, the checking and savings are supposed to be like two silos, separate. That purpose would be defeated if someone stole your debit card, ran up charges, and your bank foolishly transferred money from your savings to checking.

Citibank just rejects it. Even for small things like Netflix. That is why I have an auto-transfer a day or two before I know I'm going to be charged.

I'm not stupid enough to let my card get stolen. It's literally in my breast pocket every waking moment other than sleeping or showering in which case it's locked in my room.

 

[Narmer]

Why bother putting a tip on your receipt at all?

...you're being willfully deceitful?

No, cynical. If the service is bad I just give them a big enough tip. I will also never return so I don't care either way.

 

[Narmer]

I'm not stupid enough to let my card get stolen. It's literally in my breast pocket every waking moment other than sleeping or showering in which case it's locked in my room.

what if a rogue employee saves your number and security code and the expiration date? You can always dispute it with your bank but it just isn't worth the trouble.

 

[Nik]

No, willfully deceitful. You know your bank is going to fuck them. You know they're going to smile when they see a tip on the tip line. Basically, you are reinforcing their bad behavior by rewarding them (initially), then encouraging them to act like children even MORE when they learn that they got stiffed.

Someone needs to call your bank and turn you in for fraud.

You are a piece of shit, sir.

 

[Nik]

what if a rogue employee saves your number and security code and the expiration date? You can always dispute it with your bank but it just isn't worth the trouble.

I will bend over backwards to see them prosecuted, no matter the amount.

 

[Numenorean]

No way bro, putting your bank account into overdraft is way better than credit card interest. My mom told me so.

29% interest / 12 months * $500 bill = $12 credit fee for that month

Going 1 penny into overdraft = $324890723904834 fee

As you can see, $12 going to Visa is significantly more expensive than $34309823049908 going to Citibank.

Why pay interest on the credit card?

 

[Narmer]

No, willfully deceitful. You know your bank is going to fuck them. You know they're going to smile when they see a tip on the tip line. Basically, you are reinforcing their bad behavior by rewarding them (initially), then encouraging them to act like children even MORE when they learn that they got stiffed.

Someone needs to call your bank and turn you in for fraud.

You are a piece of shit, sir.

Fraud? How's that? Also, what happened to personal responsibility? Perhaps if that person was a better waiter they wouldn't have been treated in a certain manner. Do they have to be rewarded before changing their ways? Is that how you are?

 

[Nik]

What happened to personal responsibility? YOU are the one knowingly putting down a tip that your bank won't accept.

...and you have the cajones to talk about personal responsibility?

You just get scummier and scummier the more you post.

 

[Narmer]

I will bend over backwards to see them prosecuted, no matter the amount.

Or if they sell it? Do you not see my point? You buy many things with your debit card. Anyone one that comes into contact with your information can do bad things with it. It's better if you are protected at the bank rather than relying on other means.

 

[Nik]

Or if they sell it? Do you not see my point? You buy many things with your debit card. Anyone one that comes into contact with your information can do bad things with it. It's better if you are protected at the bank rather than relying on other means.

Blah blah blah, you're still a fraudulent scumbag. My bank protects me and I do my best to act as though my bank does not.

 

[Narmer]

What happened to personal responsibility? YOU are the one knowingly putting down a tip that your bank won't accept.

...and you have the cajones to talk about personal responsibility?

You just get scummier and scummier the more you post.

What does that have to do with anything?

 

[Nik]

What does that have to do with anything?

You are knowingly defrauding the restaurant.

 

[Narmer]

Blah blah blah, you're still a fraudulent scumbag. My bank protects me and I do my best to act as though my bank does not.

That's your answer? "Blah, blah, blah..."? Sure, your bank will protect you but that may take a lot of effort. What about the merchants whose items were purchased but the bank no longer honors because it was a fraudalent transaction? Who will protect them? The insurance company? Perhaps. But, my point is that none of this would happen if the bad transaction was stopped by your bank.

 

[Nik]

I don't care how much effort it takes, it's the right thing to do. You know, personal responsibility and all.

At least I'm not such a lowlife that I'm willfully defrauding my community.

 

[Narmer]

You are knowingly defrauding the restaurant.

How? By not providing a tip?