your debit cards don't work, they always make it credit like your funds are frozen or something. so whenever a customer swipes their card and makes it credit, they yell at me because they think i made them do credit instead of debit. fix yo shit.

4/28/2008 12:50:43 AM

use ur student id...

4/28/2008 12:52:08 AM

youre in luck, wachovia reads this board

4/28/2008 12:52:25 AM

^ still LOLing!

4/28/2008 12:53:14 AM

student ids fail at harris teeter. someone did try to use it to buy cigarettes. i told them to get a real ID or GTFO.

4/28/2008 12:53:50 AM

it's working perfectly. It's probably saved millions from identity theft already.

They can't help their customers are idiots.

4/28/2008 1:07:34 AM

wait what? I've never had trouble having my wachovia debit card go through as debit. or am i misunderstanding the op?

4/28/2008 1:22:00 AM

I had it happen to me today at the Teeter

but before, I could use the keypad and do debit

so I don't know what changed

[Edited on April 28, 2008 at 1:25 AM. Reason : .]

4/28/2008 1:24:11 AM

i alwats do credit, whats the benefits to doing debit?

4/28/2008 1:28:10 AM

^idk. you don't have to sign? and it takes it right out of the account?

4/28/2008 1:30:44 AM

see my logic goes that it takes less effort to sign than to enter a pin # in so i always do credit

4/28/2008 1:33:40 AM

debit:

no signing, you do have to enter a pin, straight out of the account.

credit: you have to sign something, no pin, your bank pays for your purchase.

the largest advantage to using credit is that you can buy something you can't afford right now. the largest disadvantage is that thing called APR.

as i'm not a big spender, i never use credit.

4/28/2008 1:36:31 AM

Quote :

"you do have to enter a pin"

only at some places. I don't know exactly why you do some places but not others.

Quote :

"the largest advantage to using credit is that you can buy something you can't afford right now."

lol i would call that a disadvantage.

4/28/2008 1:41:40 AM

so if i have money in my account theres no advantage to using debit over credit?

4/28/2008 1:43:22 AM

Quote :

"credit: you have to sign something, no pin, your bank pays for your purchase. the largest advantage to using credit is that you can buy something you can't afford right now. the largest disadvantage is that thing called APR. "

I don't think the debit/credit cards work like that. I think the credit part is only there, because that infrastructure was in place before the debit stuff worked.

The advantage to doing credit though is that the retailers pay the credit company for processing a credit transaction, where as the retailers don't pay anything for a debit. A lot of places default debit/credit cards to debit, so they don't pay a fee, which is why paradoxically you have to press "cancel" to get to credit.

Also, when you use credit, you get "points" back on frequent flier-type of programs.

So for the end user, unless you REALLY value the pittance of points they throw your way, there's no real advantage to credit/debit. If you hate the retailer you're buying from, you can make them lose a little more money by choosing credit, but other than that, there's no real difference.

4/28/2008 1:45:11 AM

unless you get free rewards or some goofy shit like that

4/28/2008 1:46:02 AM

Here's my view on it. If the guy in line behind me at walmart or teeter watches me enter my pin, then mugs me just outside the door he now has my pin and my card. He heads on over to a wachovia ATM (think k-mart parking lot) withdraws all my cash. I have no recourse for getting my money back.

If he steals my credit card and rings up $10,000 I don't give a crap - I'm not liable

4/28/2008 1:48:21 AM

Quote :

"only at some places. "

If you're not entering your PIN, it's being run as credit.

4/28/2008 1:56:07 AM

^I don't know. Whenever i get fast food or other places that don't ask me to enter my pin it always shows up on my bank account just like the debit withdrawls do.

So if it truely is being run as credit, why do you have to sign some places and not others?

4/28/2008 2:04:41 AM

^ I think some places just don't respect or take their chances with the signing policy.

And a debit transaction and a credit transaction WOULD show up the same on your account statement.

4/28/2008 2:06:49 AM

^ Yes and yes

4/28/2008 2:10:37 AM

So like all fast food places? Lol.

4/28/2008 2:11:58 AM

Not all but a good portion of them do. Shit like that is what makes identify thefting so easy these days.

What used to really piss me off were people who gave me attitude about asking to see ID when running their card. How the fuck should I know if you're actually Sarah Jones?

4/28/2008 2:14:57 AM

Its better if your wachovia transactions go as cedit anyways. You can enable their visa rewards program on your debit card, but only signed transactions (as credit) are counted towards the rewards credit.


And the small ourchar thing, there's a cap that doesn't require a signature, its like $8 or something. If someone "stole your identity" $8 at a time, at food joints, then you've got other issues.

[Edited on April 28, 2008 at 2:55 AM. Reason : r]

4/28/2008 2:51:14 AM

^^With Visa, retailers are NOT supposed to ask for ID.

When Visa and wherever it was that you worked decided to do business together, the business/retailer/whatever agreed not to ask for ID.

The reason I know this, and the reason people bitch about it, is that Visa told everybody they do not have to show ID to use their card. And retailers agreed to this.

In other words, it's none of your business if the thirteen-year-old boy at your register is actually Sarah Jones.

[Edited on April 28, 2008 at 3:03 AM. Reason : sss]

4/28/2008 3:02:54 AM

if you want the prices of the place that you're shopping at to get higher, then by all means, use credit instead of debit.

4/28/2008 3:03:55 AM

^^ Visa is sending out conflicting information then, as are the banks. I clearly remember Visa sending out a notice when I was still working detail saying, "Due to increasing identity theft blah blah blah, please try and ensure you know who is using the card." And the bank my store used told us if we didn't check IDs we were shit out of luck if someone was using a stolen credit card.

^ Yeah, I was shocked when I was told how much my store got charged for every credit transaction. I don't know how some businesses can afford it.

[Edited on April 28, 2008 at 3:10 AM. Reason : .]

4/28/2008 3:09:43 AM

^I think you might be mistaken about what Visa meant.

http://redtape.msnbc.com/2007/12/data-collection.html

Asking for ID is about identity verification. It's also an attempt at data collection, and that data collection can actually contribute to identity theft.

Asking for ID is also another way for folks to be classist, ageist, racist, whatever... Some folks get asked. Others don't.

The link I posted includes a link to a pdf of the 2007 Visa merchant rules that say:

Quote :

"Although Visa Rules do not preclude merchants from asking for cardholder ID, merchants cannot make an ID a condition of acceptance. Therefore, merchants cannot refuse to complete a purchase transaction because a cardholder refuses to provide ID. Visa believes merchants should not ask for ID as part of their regular card acceptance procedures."

Keep in mind, the rule used to be even more strict on merchants:

Quote :

"In most cases, merchants may not ask for an ID as part of their regular card acceptance procedures, either when a card is presented or to complete a sale."

[Edited on April 28, 2008 at 4:40 AM. Reason : Whoops.]

4/28/2008 4:14:17 AM

Wachovia - phonetically says: watch over ya, meaning watch over ya money

4/28/2008 7:50:12 AM

dunno if this has been said... but you're covered much better from fraud when using credit. if using debit and somebody gets your info (while I agree it's next to impossible for it to happen) it's a hell of a time getting the money back from your bank... with credit basically visa/master covers it and theres little if any fight/liability

4/28/2008 8:12:49 AM

Plus using a credit card gives you essentially a loan for a month, allowing you to keep your money in your account/investments, earning interest, until the end of the month when you pay your bill off, hopefully in full.

Plus, with the rewards programs they have, they essentially pay you to use a credit card.

4/28/2008 8:32:44 AM

Yep... with the discounts they give its just smarter to use credit assuming you're responsible

4/28/2008 8:34:30 AM

^you are correct sir!!! I had my shit stolen and got my money back in less than a week!!!

4/28/2008 8:35:57 AM

Quote :

"Plus using a credit card gives you essentially a loan for a month, allowing you to keep your money in your account/investments, earning interest, until the end of the month when you pay your bill off, hopefully in full."

but this thread is about debit cards being ran as credit

they still deduct automatically, just processed differently.

4/28/2008 9:43:01 AM

Yes

4/28/2008 9:43:58 AM

on a related note, i hate it when stores say that you have to have a minimum purchase dollar amount to use your credit/debit card. i saw it all the time when i lived in philadelphia, at corner stores and crap. they aren't supposed to make those rules, it violates their agreements with visa, i think....

4/28/2008 9:49:25 AM

yeah i see a $9/min for debit/cc purchases a lot

it's lost my business at a few joints, particularly ones i'd stop by for breakfast in the mornings

4/28/2008 9:50:43 AM

More like "walk all ova ya"

amirite?

4/28/2008 2:53:23 PM

IM GAY

4/28/2008 2:57:49 PM

DAMNIT WAKWAK YOU FUCKING WACKOFF

4/28/2008 2:58:39 PM

i hear a lot of shit talkin towards wachovia, but i've never had any issues with them

4/28/2008 3:01:17 PM

ha they tried to steal my IRA b/c of an address change

4/28/2008 3:03:24 PM

Dont worry

most people who have problems with major banks are people who cause problems or have personal accounting problems in the first place.

4/28/2008 3:03:45 PM

Quote :

"With Visa, retailers are NOT supposed to ask for ID. "

Wolfpackgrrr was talking about asking for signatures with that post, Ms. Reading Comprehension.

4/28/2008 3:36:17 PM

wad of cash ftw!

4/28/2008 3:37:06 PM

^^if you write "See ID" on the back, then they're supposed to, right?

4/28/2008 7:16:26 PM

that is if the cashier sees it


i was really good about catching it when i worked at the museum

4/28/2008 7:18:14 PM

^^yes, but people never complain if you don't ask for it.

and IDs are supposed to be asked for by default. the only time when you're not supposed to ask for it is if there's a signature on the back.

[Edited on April 28, 2008 at 7:19 PM. Reason : ^]

4/28/2008 7:19:10 PM

you really should ask regardless for at least that minimum level of security

4/28/2008 7:19:54 PM

set em up

4/28/2008 7:20:53 PM