On Tue, 5 Jan 2016 13:15:37 -0000, "Ophelia" >
wrote:

>
>
>"Xeno" > wrote in message
...
>> On 5/01/2016 8:13 AM, dsi1 wrote:
>>> On 1/3/2016 10:01 PM, sf wrote:
>>>> On Sun, 3 Jan 2016 16:43:58 -0800 (PST), dsi1 >
>>>> wrote:
>>>>
>>>>> On Sunday, January 3, 2016 at 2:01:06 PM UTC-10, Ed Pawlowski wrote:
>>>>>> On 1/3/2016 6:20 PM, Doris Night wrote:
>>>>>>
>>>>>>>
>>>>>>> *In Canada, we don't have to swipe a card and enter a PIN. We just
>>>>>>> have to touch a screen with the card. The whole thing takes about 1.5
>>>>>>> seconds.
>>>>>>>
>>>>>>> Doris
>>>>>>>
>>>>>>
>>>>>> Sorry to hear that. That type of card is being eliminated because
>>>>>> it is
>>>>>> possible to steal the information and clone them. New chip cards take
>>>>>> longer but are much more secure.
>>>>>
>>>>> As of October 1st, 2015, businesses in the US were supposed to
>>>>> replace their card readers with new ones that take the chipped cards
>>>>> or face bad things happening to them. I got my new reader but haven't
>>>>> connected it yet. It seems like a lot of bother to have to swipe and
>>>>> insert the cards and input a pin. I've been telling folks that I
>>>>> haven't gotten my new reader up a running so a check would be
>>>>> perfectly acceptable but I don't think I can keep that up for long.
>>>>
>>>> I don't need to insert a PIN when I use my chipped card.
>>>>
>>>
>>> I have a debit card so it just uses the PIN. It can be processed like a
>>> credit card but my assumption is that funds gets subtracted from my
>>> account right away. That's goofy as hell, if you ask me.
>>
>> There is method in their madness. I have a similar debit card. If I use it
>> as a debit card, I pay a fee to my banking institution. If I use it as a
>> credit card, I pay no fee and all I need to do differently is select
>> credit instead of debit at the POS terminal. Naturally I select credit for
>> most instances. Some vendors charge a fee if using a CC, usually a
>> percentage of the transaction. In those cases I determine which fee will
>> be greater, CC or DC, and use the alternative.
>> No matter whether I select CC or DC, the money comes straight out of my
>> account. I have set up an overdraft facility on the debit card account, in
>> order to avoid penalty fees, and if there are insufficient funds, it acts
>> as a CC and I get hit with interest immediately. That has only happened on
>> rare occasions as I have a CC that I can use as an alternative if I know
>> my funds in the DC account are low.
>
>A few weeks ago when my husband was buying some things, I was looking
>around and found the perfect birthday card for a friend. I took it to the
>other counter and, having no cash on me, offered my debit card. He told me
>that on sales below £5 he had to charge me an extra 50p!! I went to find
>my husband and got cash from him! I rarely do carry cash and usually pay
>with my card! I am certainly not paying that!

Some really small corner stores do that here, it's self defence really
because so many people call past when they only want one small item.