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Cards vs Cash
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brian


Posts: 2,002
Joined: Apr 2005
Post: #1
16-03-2008 02:42 PM

[Moved from 'SE23 Topics > Credit card cloning in SE23' - admin]

I agree let us go back to good old cash. Could not believe it , I was behind a lady in Sainsbury's whose total bill came to GBP 2.47 , paid by credi card ,and she DID NOT ask for cash back. Surely should be a minimum for cards

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nevermodern


Posts: 653
Joined: Feb 2007
Post: #2
17-03-2008 01:01 AM

why, brian? what business is it of yours?

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brian


Posts: 2,002
Joined: Apr 2005
Post: #3
17-03-2008 08:58 AM

Because we have too much credit. Probably like shutting the stable door after horse has bolted.

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Londondrz


Posts: 1,538
Joined: Apr 2006
Post: #4
17-03-2008 09:50 AM

It may well have been a debit card. Lets face it, it's safer to walk around with a debit card than a wad of cash.

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nevermodern


Posts: 653
Joined: Feb 2007
Post: #5
17-03-2008 11:19 AM

Bad credit and using credit cards and different issues, though, aren't they? I use my credit card for everything, but I don't any debts, for example. And I'm not sure where your point about having minimum amounts, or some woman putting two quid on her card, chimes with having too much credit.

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brian


Posts: 2,002
Joined: Apr 2005
Post: #6
17-03-2008 11:45 AM

OK, I accept I may be being a bit extreme here. There is a factor that it takes longer .
I too used to use credit and debit cards a great deal and always paid of debt every month. I have restricted to larger purchases partly because of security problems with cards.For instance never use on line or use my bank on line. Heard too many worrying stories
Anyway I do appreciate everyone's right to use every method of payment allowed by the retailer

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jon14


Posts: 145
Joined: Sep 2007
Post: #7
17-03-2008 11:51 AM

I completely agree Nevermodern - I put as much as I can on my card too. Debit, that is. I have a credit card but only use it if I have to.

Brian's point is confused. It's quite possible that 'minumum amounts' just encourage people to spend more. You know those shops that require you to spend x amount before you can pay by card? I end up buying things I don't want just so I can pay by card.

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nevermodern


Posts: 653
Joined: Feb 2007
Post: #8
17-03-2008 12:39 PM

If you have a cashback credit card and pay it off every month, it's easy to actually make a *profit* from your credit card. And I'm not even sure it does take longer to use a credit card than cash. I've lost count of the times I've been stood there behind someone fumbling around in their purse for change.

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Baboonery


Posts: 581
Joined: Sep 2007
Post: #9
17-03-2008 03:20 PM

Worrying stories are far more important than actual facts, eh Brian?

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Londondrz


Posts: 1,538
Joined: Apr 2006
Post: #10
17-03-2008 03:24 PM

Welcome backRolleyes

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Applespider


Posts: 283
Joined: Feb 2006
Post: #11
17-03-2008 04:29 PM

brian Wrote:
I have restricted to larger purchases partly because of security problems with cards.For instance never use on line or use my bank on line. Heard too many worrying stories


Your card is far more likely to be cloned from a physical transaction than an online one. The waiter/barman that you hand the card to has longer access to your card and more chance of spotting the PIN than any employee of an online store.

So far as online banking goes, it's a lot quicker to check your online statement and spot problems next day than wait for the next paper statement to come in. Just make sure that you have a good strong password (non-dictionary, mixture of letters/numbers) on the account, check your computer isn't harbouring a keylogger and only visit the bank page when you key in the address rather than following links in email in case of phishing.

I've shopped online and used online banking for many years without problems. My current fear of being ripped off comes from my recent burglary not the web.

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Johnc


Posts: 138
Joined: Jan 2007
Post: #12
21-03-2008 06:46 PM

I've had credit cards cloned twice in the last 8 years. Not sure how but probably on online transactions. The police aren't interested and most credit card companies have fraud departments that do all the investigation work. The thing is not to panic. I was quite concerned the first time since it was for around ?5000, but on this and the subsequent occasion for a similar amount, I never lost a penny.

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simonj


Posts: 51
Joined: Dec 2007
Post: #13
22-03-2008 03:18 PM

I had my post intercepted recently and someone stole a mortgage cheque book and tried to present 3 cheques for the value in total of 10K!! Luckily there was a 2 grand limit and so all were bounced. If they had been under they would have been honoured so watch out! Hopefully would have got the money back but you never know. Also at the same time someone was trying to take my identity as I got a credit card application through the post that someone had applied for in my name online!! What a week that was. I took out added protection through my bank and it seems to have stopped it all now. Also bought a shredder.

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nevermodern


Posts: 653
Joined: Feb 2007
Post: #14
22-03-2008 11:20 PM

Good move, simonj. Shredding is key, I think Smile

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shzl400


Posts: 729
Joined: Oct 2007
Post: #15
23-03-2008 11:12 AM

I've had my post intercepted before as well - we always get at least some post, but there were a couple of Saturdays in a row when there was none. Credit card cheques, which I neither asked for nor wanted (and are the invention of the devil) were stolen and attempted to be cashed. Yah boo sucks to them, as they also bounced because it was a 0% card and I'd already maxed the limit with a balance transfer.

We shred everything that has a name and address on, but that still doesn't stop them sending these wretched cheques and *******s nicking then before they even get to you.

Incidentally, I also recently had my wallet stolen - pickpocketed out of a zipped up handbag on a crowded P4. Although it was a pain getting all my cards back (though congratulations to HSBC, who managed to re-supply both my debit and credit cards within 48 hours), I didn't lose financially on them. The cash, however, is gone for good. For me, it's cards every time - and, yes, sometimes I use them for really small transactions - it's just a quick as rooting around for change etc.

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BT


Posts: 162
Joined: Jul 2003
Post: #16
23-03-2008 05:30 PM

Phone the companies who are sending the Credit Card cheques and tell them that you don't want them and not to send any more. It does work, I've done it.

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Sherwood


Posts: 1,355
Joined: Mar 2005
Post: #17
24-03-2008 01:02 PM

Actually, it is often quicker to pay an odd amount by credit card. If the amount is only just over the value of a note the cashier often asks for the odd coins and it takes time to find them.

I was on a 47 bus one day and saw someone put his hand in the handbag of the lady sitting next to me. Cheeky!

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baggydave


Posts: 384
Joined: May 2004
Post: #18
07-04-2008 12:04 AM

The starting of a good argument earlier. I still can't believe that people stand at the bar with a credit/debit card in the hand. Can't get my head around that. Worse the other day as some people well younger than me were with their blackberries. It wasn't that they were on their own - actually chatting to mates, but no doubt their e-mails were more important.

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Londondrz


Posts: 1,538
Joined: Apr 2006
Post: #19
07-04-2008 12:44 PM

but BD my emails are important, only yesterday some very nice person emailed me to let me know I could increase the size of my dooda and another about where to buy Viagra to keep it..... eeerrr

up.Cool

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thenutfield


Posts: 235
Joined: Nov 2007
Post: #20
07-04-2008 10:37 PM

baggydave Wrote:
I still can't believe that people stand at the bar with a credit/debit card in the hand. Can't get my head around that.


come on BD, get with the 21st century! Unless you are drinking at wetherspoons, you need to take out credit to buy a round of drinks at most of the pubs round here.

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