Cash or Card?
I always tip in cash.

Cash or Card?
I always tip in cash.

Sigh, behind again? https://www.dol.gov/whd/regs/compliance/whdfs15.pdf

Gary you must remember that Sten {Tut} lives in a country whose people eat lutefisk as a normal thing. They are different.

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Debit or Card, cash? Only for gasoline.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Gary you must remember that Sten {Tut} lives in a country whose people eat lutefisk as a normal thing. They are different.

Now I'm going to have to convict you of a "vacation person" response, my reply was to Sirius, who lives "across the pond" in a place that can't put dates in the right order, drives on the wrong side, can't spell, oh wait, that's Chris who is having that rant on Beta. ;-) never mind.

Well after my sojourn to the USA, where I found that large shops in big cities do in fact take "contactless" payments.

Some smaller shops and businesses use the "swipe and sign" method, obviously no more secure that the old system.

Also if say in a restaurant your card is removed from your sight taken to the swipe machine then returned for you to sign, you then sign the receipt, and remove your card.

Making it impossible to check the signature.

At no time did I ever see anyone ever check the signature!

Over all it was a lot safer to use cash, which I hated having to carry money around in my wallet

So now I have been back in the UK for a week and I have not used cash once. I will now see how long I can go without using cash.

I will let you know.

At no time did I ever see anyone ever check the signature!

Yep. Which is why swipe and sign is pretty much an invitation to theft. Only time I've ever seen people checking is after the merchant has had a couple of charges reversed and the boss realizes he is supposed to check.

Or Bernie, you could look at it this way, you don't look the "type" that needs to have their signature checked. ;-)

Also if say in a restaurant your card is removed from your sight taken to the swipe machine then returned for you to sign, you then sign the receipt, and remove your card.

Making it impossible to check the signature.

At no time did I ever see anyone ever check the signature!

I have written, "Check ID", on the back of my card instead of my name, but no one ever does!

Hope you had a good time overall, Bernie, and glad you made it home safely.

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The mind is a weird and mysterious place

This is funny.
Debit, credit and cash card and other similar cards have a date when they expiry.
That's ok but here in a non english speeking country it is written on the cards in English!
My debit card says "Valid thru 10-20". My card to do bank transactions says ""Good thru 12/18 (Month/Year)"
Well, we do understand some English here.
But there is a problem. What the heck is the meaning of "Valid thru " and "Good thru"?
Even some Americans don't know:)
https://answers.yahoo.com/question/index?qid=20080602141626AAZvg2y

But there is a problem. What the heck is the meaning of "Valid thru " and "Good thru"?

Some people can't spell "through."

Some can't spell a lot of words, I can spell "through" or the shorter version "thru".

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

At no time did I ever see anyone ever check the signature!

Yep. Which is why swipe and sign is pretty much an invitation to theft.

Credit card fraud levels (at the point of sale) here have only reduced slightly since swipe & sign was depreciated. So there were some losses due to stolen cards being used until they were cancelled, but it was only a very, very small percentage.
Now it's pretty much Paywave (cantactless) for small transactions, and bottom slot (or swipe for older machines) for larger transactions.

However credit card fraud is well and truly on the increase overall- due to online purchases. Almost 80% of credit card fraudulent transactions are a result on CNP (Card Not Present) transactions (ie online, as very few transactions (if any?) are done over the phone these days).

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Grant
Darwin NT

But there is a problem. What the heck is the meaning of "Valid thru " and "Good thru"?

Some people can't spell "through."

LOL:) That's even harder to me to spell.

I have wanted to get a loan that would consolidate My credit card/line debt, today I received a letter saying I was preapproved for $5,000.00, $10,000.00, or $20,000.00 from a Lending Club, My debt is not anywhere near $20,000 and that is too much of a payment, $10,000 is better and over 5 years I could afford and I would have some left over, but I am not crazy about 5 years, the $5,000 amount is more to My liking as I could pay off most of My debt in 3 years and since some of My debt is secured credit I could get a refund of $600 and only have about $952 to pay down over 8 months @ $119 a month, problem is if I apply I could be turned down.

I've been paying down debt for 2 months and My credit score has risen. That is where I am at right now financially.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

That article said there are fees for processing cash transactions. I'm not clear what that means. I do know that credit card transactions incur fees to the merchants, but apparently they've decided it's worth it.

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The mind is a weird and mysterious place

That article said there are fees for processing cash transactions. I'm not clear what that means.

Banks charge to accept cash, at least in business accounts. Banks here also require ID to deposit cash. But the undocumented don't have any other option.

That article said there are fees for processing cash transactions. I'm not clear what that means. I do know that credit card transactions incur fees to the merchants, but apparently they've decided it's worth it.

There's no transaction cost in accepting cash and giving change, but in the UK it's usual for banks to charge business customers for depositing cash into bank accounts, and perhaps for withdrawing coinage for use as the till float when making change. There may also be charges for using facilities like night safes for securely depositing money outside normal banking hours.

That article said there are fees for processing cash transactions. I'm not clear what that means.

Banks charge to accept cash, at least in business accounts. Banks here also require ID to deposit cash. But the undocumented don't have any other option.

Wow; I don't know if the banks around me charge for taking cash or not. I do know they charge fees for cashing payroll checks if you don't have an account, but that's nothing new.

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The mind is a weird and mysterious place

That article said there are fees for processing cash transactions. I'm not clear what that means.

Banks charge to accept cash, at least in business accounts. Banks here also require ID to deposit cash. But the undocumented don't have any other option.

+1

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's