DonJuanDemarco Posted September 21, 2009 Share Posted September 21, 2009 one of the things i hate about America is that its too difficult for people to carry cash so every checkout isle has a long wait for the moron to swipe their debit. same thing in thailand more and more it seems, especially among women. so much easier than carrying cash? i have never used a debit card to buy something in my life. i carry cash like a man. what is this non sense? Link to comment Share on other sites More sharing options...
Rionoir Posted September 21, 2009 Share Posted September 21, 2009 For starters, swiping a debit card takes less time than paying cash and waiting for a cashier to make change and count it 4-5 times back to you. You know how old you sound starting a thread like this... LoL Link to comment Share on other sites More sharing options...
endure Posted September 21, 2009 Share Posted September 21, 2009 Link to comment Share on other sites More sharing options...
LaoPo Posted September 21, 2009 Share Posted September 21, 2009 one of the things i hate about America is that its too difficult for people to carry cash so every checkout isle has a long wait for the moron to swipe their debit. same thing in thailand more and more it seems, especially among women. so much easier than carrying cash? i have never used a debit card to buy something in my life. i carry cash like a man. what is this non sense? In my country, between 80-90% of all shop transactions are done by debit card (NOT by Credit Cards) and I'm talking every shop. Only on street markets and in the drugs- and (some) car business deals are done with cash. You just slide your debit card through a small machine and enter your 4-digit pin-code and press OK. At the same time the money is deducted from your bank account (if there's enough money, of course and you're not surpassing the limit if you have one... ) That's all. In the US (although I haven't been there for quite some time) it takes a lot longer; I don't know why but assume many people also pay with their credit cards. Don't know about Thailand since I never used debit cards in LOS. LaoPo Link to comment Share on other sites More sharing options...
Bukseeda Posted September 21, 2009 Share Posted September 21, 2009 Same in UK. People use them all the time and more and more in Thailand. I also want to know why some people (especially women ) don't get their money ready until they're asked for it and then spend ages looking for their purse and then counting change etc... Link to comment Share on other sites More sharing options...
dumball Posted September 21, 2009 Share Posted September 21, 2009 I guess people just enjoy making banks richer by the hour and then complain how they get ripped off by banks , I have watched people pay for a candy bar with a debit card in a discount store , notwithstanding the $2.00 charge many banks charge for 'The priviledge' each time it is used , 555 . Link to comment Share on other sites More sharing options...
Rionoir Posted September 21, 2009 Share Posted September 21, 2009 (edited) 1. There is no foreign-ATM charge for a debit card purchase. If anyone is paying one you should get a new bank, but I have never paid that type of fee ONCE. 2. Uh, it DOESN'T take longer in the US.. I don't know if u were inventing that or basing it on the OP. 3. Some banks will give you reward points for using your debit card. I got a check at the end of one year for about $120 based on my debit card purchases. One of my friends get frequent flier miles for using his card. (and yes I am talking about debit cards... I haven't used a credit card since I was 20) 4. It sure beats the hel_l out of being behind some old fart who is digging through their coin purse looking for exact change... oh hel_l yea, that's faster alright... LoL Edit: 5. I used to use my PayPal debit card all the time, because if I left money in my paypal account I qualified for their free moneymarket thing... so I would earn money if I kept it in there as long as I could. Edited September 21, 2009 by Rionoir Link to comment Share on other sites More sharing options...
garyh Posted September 21, 2009 Share Posted September 21, 2009 But I get all warm and a fuzzy feeling when I flash my gold card Link to comment Share on other sites More sharing options...
tartempion Posted September 21, 2009 Share Posted September 21, 2009 In Belgium you can load up to 120 euro onto the debit card. Thus you can pay for your loaf of bread at the bakery without looking for change. You enter your pin code, the amount is deducted from the chip in your card, no online transion, no connection cost for the vendor. Don't understand why people want to carry cash. Very sweet to see a woman pack 5 million baht into her handbag and leave the bank, happens all the time, no thieves around banks waiting for victims Link to comment Share on other sites More sharing options...
MrHammer Posted September 21, 2009 Share Posted September 21, 2009 I prefer to pay in gold. Link to comment Share on other sites More sharing options...
DonJuanDemarco Posted September 21, 2009 Author Share Posted September 21, 2009 trust me, when u use debit it takes longer. this is fact. Link to comment Share on other sites More sharing options...
Rionoir Posted September 21, 2009 Share Posted September 21, 2009 I thought you are a man that carries cash. Link to comment Share on other sites More sharing options...
LaoPo Posted September 21, 2009 Share Posted September 21, 2009 trust me, when u use debit it takes longer. this is fact. ...said the expert who never used one. Are you playing "stir it up" by Bob Marley ? LaoPo Link to comment Share on other sites More sharing options...
JimGant Posted September 22, 2009 Share Posted September 22, 2009 There is no foreign-ATM charge for a debit card purchase. If anyone is paying one you should get a new bank, but I have never paid that type of fee ONCE. Most do, at least, pass on the network foreign transaction fee of 1%, unless they're Schwab, Etrade, or Fidelity, where the network fee is absorbed, for both ATM and Debit transactions. What is your bank/financial institution? You just slide your debit card through a small machine and enter your 4-digit pin-code and press OK. At the same time the money is deducted from your bank account (if there's enough money, of course and you're not surpassing the limit if you have one... tongue.gif ) Well, if you choose 'credit' when you swipe your debit card, no pin required -- it becomes 'signature mode.' And that's why credit cards are safer than debit cards -- your bank account can't be cleaned out with fraud. If you can easily pay off your credit card in full every month (you're not a too-much-credit junkie), a credit card is far superior to a debit card. Link to comment Share on other sites More sharing options...
samran Posted September 22, 2009 Share Posted September 22, 2009 most people don't. They just see the OP in line and rip out their card to piss him off. Link to comment Share on other sites More sharing options...
way2muchcoffee Posted September 22, 2009 Share Posted September 22, 2009 Two valid complaints in this thread. 1) Debit card use for purchases takes longer. Yes. Go to Tops supermarket. It always adds time when people are paying with cards, debit or credit. Their refusal to simply hit the ATM before doing their shopping makes the wait lines longer in high customer retail shopping outlets. 2) People who take ages to count out correct change to make their purchases are annoying. A little counting and sorting at home would make this process go more smoothly. Taking ages to fish the billfold out of the purse and count out the correct bills also takes some folks an inordinate amount of time. They could easily have removed billfold while the checker was tallying the items. Again, these behaviors cause excess wait time in limes. 3) I'll add one, checkers who are incompetent. Take forever to ring up sales and make change if change is due. Link to comment Share on other sites More sharing options...
LaoPo Posted September 22, 2009 Share Posted September 22, 2009 You just slide your debit card through a small machine and enter your 4-digit pin-code and press OK. At the same time the money is deducted from your bank account (if there's enough money, of course and you're not surpassing the limit if you have one... tongue.gif ) Well, if you choose 'credit' when you swipe your debit card, no pin required -- it becomes 'signature mode.' And that's why credit cards are safer than debit cards -- your bank account can't be cleaned out with fraud. If you can easily pay off your credit card in full every month (you're not a too-much-credit junkie), a credit card is far superior to a debit card. I was talking about the so called PIN Debit card system in my own country. The debit card system is NOT used in combination with credit cards. Different system. The Debit Card system, in place, works via centralized computer systems organized by all banks in the country. But of course the 4-digit code is not to be showed/shared to others and scams do occur but minimal taken the many millions of transaction that take place every day into consideration. LaoPo Link to comment Share on other sites More sharing options...
BEENTHEREDONETHAT Posted September 22, 2009 Share Posted September 22, 2009 I prefer to use cash, as that way I know how much I have spent. Use a debit card and at the end of the month I would have no idea what was spent until I got the bill for the card. When I use cash I know what I have spent with a quick look. Very easy to go through the money when you don't keep track. Besides when someone gets into your account and goes through $8,000 in one month it tends to put you off having a debit card. Got it back but it was a pain the the arse. Link to comment Share on other sites More sharing options...
LaoPo Posted September 22, 2009 Share Posted September 22, 2009 I prefer to use cash, as that way I know how much I have spent. Use a debit card and at the end of the month I would have no idea what was spent until I got the bill for the card. When I use cash I know what I have spent with a quick look. See, we're talking completely different systems. With the PIN debit card I was talking about, the balance of your own account is shown the moment you come home from shopping on your online bank account. It's visible what you spent, where and how much as well as the number of your card or your spouse's. I can even see, if I wanted, when my wife is shopping, in which shop she's been and how much she spent It's not like the old credit card system where you receive a bill once a month. Simple. LaoPo Link to comment Share on other sites More sharing options...
Naam Posted September 22, 2009 Share Posted September 22, 2009 I guess people just enjoy making banks richer by the hour and then complain how they get ripped off by banks , I have watched people pay for a candy bar with a debit card in a discount store , notwithstanding the $2.00 charge many banks charge for 'The priviledge' each time it is used , 555 . a "dumball" claim par excellence! Link to comment Share on other sites More sharing options...
Naam Posted September 22, 2009 Share Posted September 22, 2009 most people don't. They just see the OP in line and rip out their card to piss him off. Link to comment Share on other sites More sharing options...
troy Posted September 22, 2009 Share Posted September 22, 2009 i carry cash like a man Seriously mate, you need a better yardstick for judging your manhood. Link to comment Share on other sites More sharing options...
noise Posted September 22, 2009 Share Posted September 22, 2009 especially among women. ...... i carry cash like a man. did you answer your own question? Link to comment Share on other sites More sharing options...
Naam Posted September 22, 2009 Share Posted September 22, 2009 i carry cash like a man Seriously mate, you need a better yardstick for judging your manhood. ...an "inch"stick will most probably suffice Link to comment Share on other sites More sharing options...
Lopburi99 Posted September 22, 2009 Share Posted September 22, 2009 For the first time in my life, I never use plastic. On a limited budget these days, using plastic of any form makes my money too easy to spend. I think twice before buying something when I look at the paper first. Link to comment Share on other sites More sharing options...
DonJuanDemarco Posted September 22, 2009 Author Share Posted September 22, 2009 trust me, when u use debit it takes longer. this is fact. ...said the expert who never used one. Are you playing "stir it up" by Bob Marley ? LaoPo wow dude you are as fast as molasses. i stand behind people and thus can observe which is faster. wait endlessly for the computer to ding ding + person to sign is much more time than pay with cash. Link to comment Share on other sites More sharing options...
Heng Posted September 22, 2009 Share Posted September 22, 2009 Give the OP a break, I feel the same way about people with mortgages (heck, you may as well be renting) and car payments.... no doubt the OP is all equity as well. Link to comment Share on other sites More sharing options...
cdnvic Posted September 22, 2009 Share Posted September 22, 2009 wait endlessly for the computer to ding ding + person to sign is much more time than pay with cash. If you're signing debit card slips, I think it's wise to stick with cash. Link to comment Share on other sites More sharing options...
Newguy70 Posted September 22, 2009 Share Posted September 22, 2009 I understand where the Op is coming from, nothing like waiting for someone to dig thru the bag they are carrying (Litterally the size of purses, and stuff carried in them is out of hand in the u.s.) ;cannot comment on other countries/cities. However, do you really want to be pulling out a stack full of bills every-time you go out, especially if you frequent the same places over & over again. Can you say bullseye. I like to carry both (best of both worlds) Link to comment Share on other sites More sharing options...
chuang Posted September 22, 2009 Share Posted September 22, 2009 . i carry cash like a man. what is this non sense? Sorry there mates, if you are not carring cash you are not a MAN... Link to comment Share on other sites More sharing options...
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