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Just wondering... why in the world do people still write checks? I couldn't tell you the last time I actually wrote a check! I am always wondering why this still happens in 2010? Debit cards are much quicker and don't hold up the line as much
Probably 2005 last check I wrote. I cringe when I'm in line and I see the person in front pull out and dust off the ole' checkbook. I know from being in retail that most of our customers TRY and use them to float money. And that's precisely why we DONT take em' ...
Porkr- I thought most places ran checks in a way similar to debit cards. ie- they scan it and it puts a hold on the $. I used to think I had a two day period to move funds after writing a check but around 2000 pretty much found out the $ were coming out pretty quick and gave up the practice.
Or is it only large retailers, utilities, etc that do that?
I like to write checks b/c I use the duplicate checks and have a record of what I just wrote and how much since I am terrible about entering my check and debit transactions in my ledger. That duplicate NCR form comes in handy all the time!
And before you say it......I know I can call or go online to look up my transactions and to get my balance and I do that at least once a week, but I like having it on my paper ledger in my checkbook. For some reason, I spend less when using cash or writing checks....plastic is too easy to lose track of and get carried away with.
Hey, checks work better for me and help me control and keep track of my spending. (BTW, I write out my checks BEFORE I even go in the store and save just the amount to write in when I get to the checkout line so I don't hold people up).
Come on, you should all know not to use debit card because you have little protection from bad charges. As long as you pay off credit card every month, use the damn credit card and get some cash back.
Come on, you should all know not to use debit card because you have little protection from bad charges. As long as you pay off credit card every month, use the damn credit card and get some cash back.
Jimmy this is wrong, if you use a Visa/MC debit card it carries the same exact protection as a credit card without all of the fees and possible problems....
Jimmy this is wrong, if you use a Visa/MC debit card it carries the same exact protection as a credit card without all of the fees and possible problems....
Remember the borrower is slave to the lender.....
That is true IF you tell them to run it as "credit" instead of "debit" and sign the receipt instead of entering your PIN.
Tom if you can not read, please don't respond. I have no credit card debt but buy everything on credit card to get cash back. Also, there is a limit for fraudulent charge on credit card, but a different law governs the debit card. Go read up if you don't know. I am too tired to tell you what the law says (hint: it is posted on Federal trade commission). Btw, I have never paid credit card fee ever.
Tom if you can not read, please don't respond. I have no credit card debt but buy everything on credit card to get cash back. Also, there is a limit for fraudulent charge on credit card, but a different law governs the debit card. Go read up if you don't know. I am too tired to tell you what the law says (hint: it is posted on Federal trade commission). Btw, I have never paid credit card fee ever.
The law that covers Credit cards also covers debit cards run as credit, they have the same exact coverage.....
As for you not having credit card debt that puts you and I in the 1% bracket that do not.....
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