rk911
Thinks s/he gets paid by the post
only purchases we make with our debit card are at Costco and for the rent at our storage place. otherwise we use it to retrieve walking around cash from the bank.
My bank refused to give me an ATM only card so they agreed to set my debit charge limit at $1. It only goes in the ATM.
only purchases we make with our debit card are at Costco and for the rent at our storage place. otherwise we use it to retrieve walking around cash from the bank.
Wouldn't a no fee Costco Visa card be ideal for shopping at Costco.
4% on gas, 3% on restaurants, 2% at Costco, extends warranty by 2 yrs.
Dunno if we could get an ATM only card at BoA (someone else on thread indicated that they were able to), but we have done the same as you--$1 per day limit on purchases, with $1500 daily limit for ATM. (Extensive work to Hot Tub and Really big trees wind damaged in the part of our property that we treat as our yard recently necessitated a lot of withdrawals for "cash discounts.")
Joining the chorus here, we've never used the card to buy anything.
This thread got me thinking. When was the last time you used a check to pay at a typical store? (Not buying a car or anything.)
For me, it was probably 1986.
The last time I saw someone pull out their checkbook was about 2 years ago.
Actually never, but when I see it happen, it usually will be an unpleasant experience for everyone waiting behind that person.
This thread got me thinking. When was the last time you used a check to pay at a typical store? (Not buying a car or anything.)
For me, it was probably 1986.
The last time I saw someone pull out their checkbook was about 2 years ago.
Probably mid-90's - back when a check gave you a two day float and it was two days from payday!
Just yesterday was behind someone paying actual cash. OH the clerk ask for $96. Then she counted what they gave her and um...that's only $90..."oh sorry" - proceeds to dig again for wallet that's now back in purse - then counts out SINGLES slowly to pay in full. Felt like I was in a time warp.
Actually never, but when I see it happen, it usually will be an unpleasant experience for everyone waiting behind that person.
I didn't know that was an option, thanks for that idea.My bank refused to give me an ATM only card so they agreed to set my debit charge limit at $1. It only goes in the ATM.
Same at BofA, but I rarely walk in. I have the paper card they gave me when I opened the account, all munged up and says "NationsBank", hehehe!I bank at Wells Fargo and they use their issued debit cards and pin as the preferred identification method for in-person visits.
Now that puts things into perspective!So can I now presume that arriving at the store with a goat and a couple chickens to trade for merchandise is now considered déclassé?
Re checks, interesting thoughts. The only place I write checks these days is to my sole-proprietor wine shop. Dave appreciates avoiding the charge card fees and for me writing the checks is easy enough. So, with small merchants especially and where you regularly shop, using a check is probably going to be appreciated. CC fees can easily be 10% of the store's gross margin. (3% fee, 30% gross margin) That's a big hit for a small business.
I have never used my debit card for purchases of any kind. Security and transaction protection being the prime reasons. I have always paid off CC's monthly.