Posted on 12/23/2012 11:34:39 AM PST by MeneMeneTekelUpharsin
To the question "Can you use a check ordering from Pizza Hut online?" We have this answer:
You can only used a credit card or a Pizza Hut gift card to purchase online, no checks accepted.
And, driving up to their window in South Central Texas, the same sign is posted. No checks accepted as of January 1.
Wonder how many other establishments are going to do the same? I thought the economy was recovering....
>>Amazon takes electronic checks. I just gave ‘em about $75.00.<<
E-checks are closer to DR withdrawals. The bank won’t issue them if the funds aren’t there.
>>Amazon takes electronic checks. I just gave ‘em about $75.00.<<
E-checks are closer to DR withdrawals. The bank won’t issue them if the funds aren’t there.
Does anyone use checks any more?
Yes, I do.
I use credit cards for everything that I can and pay the bill in full every month, so I never pay interest and I accumulate rewards points or other promotional discounts. Target’s card is one of the best, giving you an instant 5% discount on everything purchased there.
The only change I noticed with credit cards was there used to be a “loophole” that let you use a credit card’s bill pay service to pay other credit card bills. Essentially that was a loophole that allowed you to do a balance transfer with no transfer fee. They stopped letting you do that about 4 years ago.
If I owned a business, I wouldn’t accept a paper check. In this day and age, if you don’t have a debit card, you need to do some serious self analysis.
I wasn’t even aware restaurants took checks anymore. Many places don’t anymore, not really because of bounced checks, but just because of the added workload of processing them. If you take just one check a day, you still have to fill out a deposit slip, stamp an endorsement, make a copy of the check/receipt, enter it manually or scan it into your accounting system, file the paperwork, and take the deposit to the bank. With a credit card payment, it’s just a swipe and a few keystrokes, and the money is in your bank a couple days later. Saves a lot of overhead to just not take checks, if they are only a tiny fraction of your business.
“Your DR card was hacked? You are supposed to be insured. No reason to stop using one.”
Of course we are insured. All we had to do was prove we were not in Burma during a 18 minute period around Midnight in which our account was siphoned off in $15 increments every 90 seconds. Thankfully our Bank “Cancelled” our Debit Card.
In spite of providing a Certified Passport Image showing no such Entry or Leaving of the U.S. to Burma, verbal discussion with Branch Manager, etc. - We were invited to contact the Burmese Officials to discuss returning our money.
You would be very surprised how much your Debit Card is not covered.
Scrooge and Marley aside - when a government can create Trillions of Electronic Dollars such can also be removed by those who chose to.
Why?
My Grandmother once said “If everyone else jumped off a cliff - Would You?”
To each his own. We just choose to be a little different - there - self analysis done!
I did have my credit card number hacked twice. Once Amazon actually caught it and told me because someone else on Amazon tried to use a card I had registered on Amazon. They didn’t even let the charge go through.
Another time it was from a smaller online store and it was a much bigger hassle. They didn’t know about it for weeks and by the time I caught it many purchases had been made. The card company didn’t even fix it right the first time and kept accepting bogus charges because they were considered “subscriptions.” However the second time we spoke they finally removed all the fraudulent charges from my bill.
So using plastic does have risks. But that’s one reason I would never use a debit card, only a credit card. When people have fraud on a debit it can take real money out of your account. Even if you can get it back later you’re out access to your cash for a while. With a credit card, it’s not a big deal if some fraudulent charges get temporarily added to the balance.
I looked at my check register once and noticed the past four checks were all written to the IRS. April 15, each one year apart from the previous. I just don’t use them for much.
I agree about debit cards. Credit cards seem to be much more reliable about removing fraudulent charges from your account. I assume credit cards are making much more profit off of their service and can afford to absorb the fraud.
Same here no no Credit Cards got dinged once with one,it’s harder for a crook to do checks they don’t like to show ID.
My brother has lifelock and still got dinged for five grand.
>>You would be very surprised how much your Debit Card is not covered.
Scrooge and Marley aside - when a government can create Trillions of Electronic Dollars such can also be removed by those who chose to.<<
It is MUCH MUCH easier to alter a check — handwritten or, if the perp is lucky, typewritten — than hack a DR card.
And I *NEVER* *EVER* use my DR card. I didn’t want to get into why you don’t have a CR card (I have 3 so if I ever have a problem I have a fallback). I pay $0 in interest since I pay it to zero ever month and I pay $0 in charges because I am a good customer of over 20 years.
So — why don’t you use a CR card? They don’t cost anything and are a lot more protected than DR cards.
As for the government creating money — they don’t use plastic to do that.
The day of the check is long gone: I will be amazed if manually written ones are accepted by anyone in 10 years.
Mark
Right. That is why I really don't like them. Debit card reimbursement policies and limits are bank policy only and can be changed by the bank. The credit card loss limit is $50 as long as you notify within the prescribed time limit. The banks are pushing debit cards very hard, however. The latest attempt I have seen is to reissue the teller machine cards as combined teller/debit cards.
If your debit card was skimmed, I don’t blame you for using checks.
Yes.
All my transactions are made instantly, either through cash or by electronic means.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.