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Posted: 10/10/2020 9:58:29 AM EST
[#1]
Quote HistoryQuoted: Again, how is that an issue? Tap the card on the scanner and walk out. Total transaction takes 10 seconds. Quote HistoryQuoted: Quoted: Quoted: OP are you of those people that buy a soda for 1.99 and whip out your cc card ? I saw a girl whip out a cc for a .75 bottle of water last week. Again, how is that an issue? Tap the card on the scanner and walk out. Total transaction takes 10 seconds. No shit. Is counting out change, or handing a dollar bill and waiting to get a quarter back, somehow supposed to be faster? This is just more "stop liking what I don't like." |
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Posted: 10/10/2020 10:00:26 AM EST
[#2]
Quote HistoryQuoted: Used to be a hilarious PSA commercial on AFRTS in Japan, Befuddled woman at the PX being told her check is no good because she has bounced too many, she looks at the camera and proclaims "How can I be out of money!? I still have checks!". That was my ex-wife 
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Posted: 10/10/2020 10:01:11 AM EST
[#3]
Quote HistoryQuoted: I remember one arfcommer who's posted that his ex wife believed that. Quote HistoryQuoted: Quoted: Used to be a hilarious PSA commercial on AFRTS in Japan, Befuddled woman at the PX being told her check is no good because she has bounced too many, she looks at the camera and proclaims "How can I be out of money!? I still have checks!". I remember one arfcommer who's posted that his ex wife believed that. That was me. Hence the “ex-“ part of ex-wife |
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Posted: 10/10/2020 10:02:04 AM EST
[#4]
Quote HistoryQuoted: I have several credit cards but no debit card as I do not trust them. Under existing Federal law going back decades, you have more protections with a credit card then you do with a debit card (Federal law has never been updated to deal with debit cards and I honestly would not trust them to write a consumer oriented law now). Your debit card is protected by the good will of the bank and you have to basically fight to get your stolen money back. With the credit card, you are legally limited to $50 in damages and the credit card company has to fight you to get the money (not the other way around). My sister used her debit card all the time and was eventually hacked. It took her time to get the money restored to her bank account. She went back to credit cards after that. When I have had credit cards compromised, I have never had a dime taken out of my accounts. It was on the credit card company to fix it. Wrong. |
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Posted: 10/10/2020 10:03:15 AM EST
[#5]
Quote HistoryQuoted: My job is centered around banking compliance and fraud. Card fraud makes up the majority, but there are more balances in place to track, protect, and cover users for cards. Checks are just like "HEY, HERE ARE MY ACCOUNT AND ROUTING NUMBERS, WILL YOU PLEASE FUCK ME". Add to that the process for check fraud is much, much harder to overturn and track, so victims usually get a lengthy financial fucking instead of a few days of insured investigation. I requested my bank stop sending me checks and destroyed all of mine, as do all of the people in my field. When you use checks you're basically handing out individual copies of your card. Seems opposite my experience. Never in 4 decades of using checks have We ever had an issue with our checking account. In same time period we must of had to get at least a dozen new cc issued cause of fraud. Yes, it never costed us anything other than a inconvenience but its much more prevalent. When I ran a business we used checks for every payment as did our customers. Nobody ever used cc or any other form of payment. Seems like if one was going to defraud a checking account a large business would be the target. Lots of money and they regularly write checks in the 5 and 6 figure amounts. |
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Posted: 10/10/2020 10:03:39 AM EST
[#6]
Because checks still work, and not every business is set up to take online payments or credit/debit cards. Online payments or credit/debit payments are vastly preferred though.
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Posted: 10/10/2020 10:05:52 AM EST
[#7]
Quote HistoryQuoted: I always use the self checkouts. Therefore getting stuck behind one of these people is never a problem. You'll just get stuck behind their buddy. Please wait for assistance. Please wait for assistance. Please wait for assistance. |
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Posted: 10/10/2020 10:07:17 AM EST
[#8]
Because I hate my cable company and spelling "spRECTUM" on the checks that consistently go up by 10% every year, for no reason, gives me some small comfort.
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Posted: 10/10/2020 10:09:33 AM EST
[#9]
Quote HistoryQuoted: Again, how is that an issue? Tap the card on the scanner and walk out. Total transaction takes 10 seconds. No, insert card into reader, wait for card has to pass, buyer has to sign reader, cashier prints out receipt. Not all business have same sort of readers. Cash is much faster and universal Who walks around with only a cc and no cash? I know many places around here that only take cash or local checks no cc. Stop and get a burger with no cash? "sorry we don't take cc". |
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Posted: 10/10/2020 10:09:53 AM EST
[#10]
Quote HistoryQuoted: Anytime I've ever done that I feel like the Dude buying milk with a check in the Big Lebowski. ETA: I’m not the only one who was thinking that. https://www.AR15.Com/media/mediaFiles/33324/EF73677A-01E9-42B0-9657-7F095F1F7D90-1628906.jpg Quote HistoryQuoted: Quoted: Why do young people carry no cash and use a fucking credit card for a $2.00 cup of coffee? ETA: I’m not the only one who was thinking that. https://www.AR15.Com/media/mediaFiles/33324/EF73677A-01E9-42B0-9657-7F095F1F7D90-1628906.jpg 
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Posted: 10/10/2020 10:09:57 AM EST
[#11]
Child support to keep a paper trail.
Working in a school system we also encourage checks so there is less chance of theft/misappropriation of funds and there is a paper trail for fees. |
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Posted: 10/10/2020 10:11:19 AM EST
[#12]
Quote HistoryQuoted: No shit. Is counting out change, or handing a dollar bill and waiting to get a quarter back, somehow supposed to be faster? This is just more "stop liking what I don't like." Well if the dumbasses behind the register were a little better at math................. 
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Posted: 10/10/2020 10:15:53 AM EST
[#13]
Quote HistoryQuoted: No, insert card into reader, wait for card has to pass, buyer has to sign reader, cashier prints out receipt. Not all business have same sort of readers. Cash is much faster and universal Who walks around with only a cc and no cash? I know many places around here that only take cash or local checks no cc. Stop and get a burger with no cash? "sorry we don't take cc". Quote HistoryQuoted: Quoted: Again, how is that an issue? Tap the card on the scanner and walk out. Total transaction takes 10 seconds. No, insert card into reader, wait for card has to pass, buyer has to sign reader, cashier prints out receipt. Not all business have same sort of readers. Cash is much faster and universal Who walks around with only a cc and no cash? I know many places around here that only take cash or local checks no cc. Stop and get a burger with no cash? "sorry we don't take cc". I don’t live in rural America anymore. I don’t have those issues. Also, I’m all CC, no cash. |
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Posted: 10/10/2020 10:19:24 AM EST
[#14]
Quote HistoryQuoted: Cash is king. Checks are better than plastic. The government wants you to hate cash and love plastic. They prefer to track your income and outgo, and plastic is the best way to do it. I still use checks in some situations for this very reason. |
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Posted: 10/10/2020 10:33:07 AM EST
[#15]
Quote HistoryQuoted: I watched a woman pay for her prescription last week with a check for $0.86. It made me angry and I wasn’t even in line behind her. Mrs Lebowski senior? |
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Posted: 10/10/2020 10:35:12 AM EST
[#16]
Quote HistoryQuoted: Because I hate my cable company and spelling "spRECTUM" on the checks that consistently go up by 10% every year, for no reason, gives me some small comfort. Sometimes you just have to seize those small victories. |
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Posted: 10/10/2020 10:35:56 AM EST
[#17]
Quote HistoryQuoted: Well if the dumbasses behind the register were a little better at math................. Quote HistoryQuoted: Quoted: No shit. Is counting out change, or handing a dollar bill and waiting to get a quarter back, somehow supposed to be faster? This is just more "stop liking what I don't like." Well if the dumbasses behind the register were a little better at math................. ... they would probably have a better job by now. |
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Posted: 10/10/2020 10:41:43 AM EST
[#18]
Quote HistoryQuoted: Because sometimes it affects us. Like when the old lady in line in front of me at Publix takes 5 minutes to write a check for her groceries when she could have used a debit card instead. You need more to worry about bud. |
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Posted: 10/10/2020 10:42:09 AM EST
[#19]
We do it to make the snowflakes cry and write on websites how mad they are about it.
I bet you take USPS money orders for the cheap shit you sale...............guess what, it's a fucking check Or you demand that people pay you with paypal, but make it from family so you don't lose a percentage for using it. OP, you fail at life |
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Posted: 10/10/2020 10:43:41 AM EST
[#20]
I pay my mortgage with checks so I can easily pay extra on principal whenever I want. Other than that I write a check once or twice a year.
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Posted: 10/10/2020 11:00:56 AM EST
[#21]
Writing a check can have benefits to the recipient too.
We had custom cabinets built for our kitchen a few years back. The cabinet maker said he'd give me a discount if I made the check out to "cash" and not his business name. Come tax filing time, the IRS was told it was a $10,000 job and he pocketed the extra tax free. I got a discount and he made more money. |
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Posted: 10/10/2020 11:01:59 AM EST
[#22]
Why? Because they tell me not to put coins in the envelope.
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Posted: 10/10/2020 11:05:55 AM EST
[#23]
Quote HistoryQuoted: Writing a check can have benefits to the recipient too. We had custom cabinets built for our kitchen a few years back. The cabinet maker said he'd give me a discount if I made the check out to "cash" and not his business name. Come tax filing time, the IRS was told it was a $10,000 job and he pocketed the extra tax free. I got a discount and he made more money. 
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Posted: 10/10/2020 11:07:27 AM EST
[#24]
I write checks for large purchases at places that add a charge for credit/debit cards like the gun shop or lumber yard. I also write a check to pay my power bill because those bastards still add a surcharge for paying online.
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Posted: 10/10/2020 11:11:10 AM EST
[#25]
I barter with chickens and goats. Sometimes rabbit furs.
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Posted: 10/10/2020 11:18:03 AM EST
[#26]
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Posted: 10/10/2020 11:21:16 AM EST
[#27]
You had to wait?
First world problems.
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Posted: 10/10/2020 11:21:26 AM EST
[#28]
A paper check is unique in that it's actual proof that payment was received and is a document that is a pretty good artifact of payment evidence. So the 10-20 most important things I pay for in a year I use a check:
When I had a mortgage I enjoyed the ability to have documented proof that the bank had my thousands of dollars because they'll move to f' you up but quickly if you can't prove the transaction. When I bought my Jeep my credit card couldn't hold all $40,000 and that's a lot of cash to walk around town with so I wrote a check for the SUV. When I pay my real estate taxes and entrust the bureaucracy we love so much to not lose that check I like the proof because they'll grind you up if you can't prove your payment. For my certifications I like having the check too to prove the association took my money to renew my certs. When I transferred the profits from the closing of my folk's estate I used a check because it's too much money to fit in my pocket. The ATM wouldn't take the transaction. I went and the clerk went for the floor manager who then called the branch manager. Yeah, funds aren't available for 10-days. Thank you. At a restaurant, department store, or 99% of transactions GTFO and use some electronic form. |
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Posted: 10/10/2020 11:28:14 AM EST
[#29]
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Posted: 10/10/2020 11:39:03 AM EST
[#30]
Quote HistoryQuoted: You need more to worry about bud. Quote HistoryQuoted: Quoted: Because sometimes it affects us. Like when the old lady in line in front of me at Publix takes 5 minutes to write a check for her groceries when she could have used a debit card instead. You need more to worry about bud. Found the old lady who writes checks at Publix 
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Posted: 10/10/2020 11:40:01 AM EST
[#31]
Quote HistoryQuoted: Writing a check can have benefits to the recipient too. We had custom cabinets built for our kitchen a few years back. The cabinet maker said he'd give me a discount if I made the check out to "cash" and not his business name. Come tax filing time, the IRS was told it was a $10,000 job and he pocketed the extra tax free. I got a discount and he made more money. Congrats, you just admitted to Conspiracy To Commit Tax Evasion under 26 U.S. Code §?7201. 
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Posted: 10/10/2020 11:41:12 AM EST
[#32]
OP is a BernieBro
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Posted: 10/10/2020 11:45:23 AM EST
[#33]
Quote HistoryQuoted: OP are you of those people that buy a soda for 1.99 and whip out your cc card ? I do. At my Walmart self-checkout that does not accept cash. Why the hell is there a coin shortage? |
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Posted: 10/10/2020 12:04:36 PM EST
[#34]
Quote HistoryQuoted: Cash is king. Checks are better than plastic. The government wants you to hate cash and love plastic. They prefer to track your income and outgo, and plastic is the best way to do it. This, right here, mainly. The other is like mentioned above...to piss off the impatient adult children in line. Attention/patience spans that can't wait thirty seconds it takes to fill out a check. Funny they never bitch when it's an EBT queen applying the .gov freebie certificates. |
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Posted: 10/10/2020 12:12:57 PM EST
[#35]
Quote HistoryQuoted: The trick is to prefill the check, so that all you have to do at the register is fill in the amount and sign. Doesn't really take all that long. Are you fucking kidding? I paid for some metal roofing, car tag renewals and property tax with checks just yesterday. Each might have taken thirty seconds, max, to fill out.  The lines i stood in at the courthouse took 45 minutes.
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Posted: 10/10/2020 12:19:46 PM EST
[#36]
i use credit or cash unless the company that requires payment only takes a check.
certain companies require check otherwise i am charged to use a credit card
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Posted: 10/10/2020 12:22:20 PM EST
[#37]
Because I have never had a Credit, or Debt card?
I use cash for almost everything, and checks to pay the bills. |
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Posted: 10/10/2020 12:22:43 PM EST
[#38]
I only use a check for a few monthly credit card bills.
Reason? When my Mom passed away in 2007, she had over $300 in postage stamps (5 to 13 cents each) tucked away. I generally don't use snail mail for much these days but I love to plaster the envelope full of old stamps just to make the receivers go wow. It'll probably take me a few more years to deplete her legacy. 
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Posted: 10/10/2020 12:22:49 PM EST
[#39]
Quote HistoryQuoted: My bank acct has been hit twice(once at Christmas time) in three years from using debit card, CC also hit last year school shopping. Nobody has ever gone into my pocket & robbed my cash. When i was still married, the ex handled the checking account. Most was autodraft for bills, paying for fast food CC or debit. The accounts always stayed fucked up and the CC and debit were compromised twice. Since, i only cover bills with hand written checks, CC is only used at very few sites online and only debit card use is to buy groceries, small spending is some cash i alot weekly. Nothing has been hacked and i know exactly how much is in my accounts. |
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Posted: 10/10/2020 12:29:38 PM EST
[#40]
Quote HistoryQuoted: No shit. Is counting out change, or handing a dollar bill and waiting to get a quarter back, somehow supposed to be faster? This is just more "stop liking what I don't like." Quote HistoryQuoted: Quoted: Quoted: Quoted: OP are you of those people that buy a soda for 1.99 and whip out your cc card ? I saw a girl whip out a cc for a .75 bottle of water last week. Again, how is that an issue? Tap the card on the scanner and walk out. Total transaction takes 10 seconds. No shit. Is counting out change, or handing a dollar bill and waiting to get a quarter back, somehow supposed to be faster? This is just more "stop liking what I don't like." Wait, you guys use an actual physical card? Do you not have phones? Dang old people. |
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Posted: 10/10/2020 12:31:07 PM EST
[#41]
Because I can.
I have a checkbook, credit cards, debit cards, Google Pay, Venmo, and cash. I use whatever payment method I want, based on what I am paying for, and I will resist any efforts to get me to use one type of payment over another, or give up one because someone doesn't like it. |
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Posted: 10/10/2020 12:34:25 PM EST
[#42]
Quote HistoryQuoted: You'll just get stuck behind their buddy. Please wait for assistance. Please wait for assistance. Please wait for assistance. This. I don't use self check-outs unless there's one open. They're not that much faster, except maybe at Wal-Mart and that's because Wal-Mart insists on only have 2-3 checkout lines open on even the busiest days. |
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Posted: 10/10/2020 12:38:09 PM EST
[#43]
Quote HistoryQuoted: This. I don't use self check-outs unless there's one open. They're not that much faster, except maybe at Wal-Mart and that's because Wal-Mart insists on only have 2-3 checkout lines open on even the busiest days. Quote HistoryQuoted: Quoted: You'll just get stuck behind their buddy. Please wait for assistance. Please wait for assistance. Please wait for assistance. This. I don't use self check-outs unless there's one open. They're not that much faster, except maybe at Wal-Mart and that's because Wal-Mart insists on only have 2-3 checkout lines open on even the busiest days. Why do Walmart, Meijer, Target and the rest have 20+ cash registers, yet never have more than four of them manned? |
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Posted: 10/10/2020 12:43:59 PM EST
[#44]
Quote HistoryQuoted: Why do Walmart, Meijer, Target and the rest have 20+ cash registers, yet never have more than four of them manned? The only reason I can think of is for Black Friday rush, because I have never seen them all open at one time, either. |
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Posted: 10/10/2020 12:44:07 PM EST
[#45]
Because assholes charge me 3 to 7% extra to use plastic.
You want the convenience of instant payment plastic brings as a seller, eat the charge. Just remember most things are consumables so if you bury the costs others may not... |
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Posted: 10/10/2020 12:48:02 PM EST
[#46]
Quote HistoryQuoted: Because I refuse to pay a $5 fee per transaction to give the city my money for garbage and sewer every month. They get their money more quickly online but want to charge the customer for it. Nope! Same here, they get a check. Fuck 'em. |
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Posted: 10/10/2020 1:52:25 PM EST
[#47]
Quote HistoryQuoted: Wrong. Credit Card Loss or Fraudulent ChargesUnder the FCBA, your liability for unauthorized use of your credit card tops out at $50. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didn't authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use. ATM or Debit Card Loss or Fraudulent Transfers.If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it. IMHO, the protections afforded credit cards are better than for debit or ATM cards per ftc.gov. |
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Posted: 10/10/2020 3:24:33 PM EST
[#48]
Quote HistoryQuoted: From https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards Credit Card Loss or Fraudulent ChargesUnder the FCBA, your liability for unauthorized use of your credit card tops out at $50. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didn't authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use. ATM or Debit Card Loss or Fraudulent Transfers.If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it. IMHO, the protections afforded credit cards are better than for debit or ATM cards per ftc.gov. Quote HistoryQuoted: Quoted: Wrong. Credit Card Loss or Fraudulent ChargesUnder the FCBA, your liability for unauthorized use of your credit card tops out at $50. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didn't authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use. ATM or Debit Card Loss or Fraudulent Transfers.If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it. IMHO, the protections afforded credit cards are better than for debit or ATM cards per ftc.gov. You posted this: Federal law has never been updated to deal with debit cards and I honestly would not trust them to write a consumer oriented law now). Your debit card is protected by the good will of the bank and you have to basically fight to get your stolen money back. Which is incorrect. I previously posted in this thread text from the FTC explaining what the debit cardprotections are. RIF. |
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Posted: 10/10/2020 3:27:59 PM EST
[#49]
Believe it or not, there are still places that don't accept Credit/Debit cards. If you're making a large purchase and don't have cash, then checks are your only option, but I agree that it's a pain if the place accepts them and people still pay with checks.
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Posted: 10/10/2020 6:28:25 PM EST
[#50]
HOA only takes checks and utility company charges convenience fee for online bill pay.
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