Posted on 12/23/2012 11:34:39 AM PST by MeneMeneTekelUpharsin
To the question "Can you use a check ordering from Pizza Hut online?" We have this answer:
You can only used a credit card or a Pizza Hut gift card to purchase online, no checks accepted.
And, driving up to their window in South Central Texas, the same sign is posted. No checks accepted as of January 1.
Wonder how many other establishments are going to do the same? I thought the economy was recovering....
I do, when I pay my rent (my apt complex changes a fee for electronic payments,) and for any medical bills that I get in the mail (I'm not talking about copayments here - those go on my debit card.)
My normal monthly bills are all payed through electronic fund transfers, but if I'm not going to be making regular payments, I'd rather just write a check and mail it in.
Mark
I have a question. How do you get cash?
I’m serious about this question as I would like to get away from credit cards in resturants when I can’t hold the card.
Larger retailers are now using instant check withdrawal, in which the cashier runs the check through a machine that notifies the bank to automatically withdraw the money from the check casher’s account instantly, though it is probably not credited to the retailer until later.
It makes sense for them to do this, because the credit card companies charge a fee by transaction, so if it is for under $5, the retailer loses his profit. Since checks have no fee, they save the retailer money.
Not exactly. I'm in my 40s, and I like my checks with the big cat designs. I always have them filled out and ready except for the amount, and I can write that in a lot faster than many of the people bumbling with their debit cards. "Which button do I push again? And where do I swipe it? Oh, that didn't work...."
You would be very surprised how much your Debit Card is not covered.
I still write checks for the monthly bills....unless I can trust the company I am dealing with. I will not pay bills on-line because if someone were to get into your bank acct they can clean it out. Only a fool thinks “secure website” is really secure
We don’t take checks on our farm. I make exceptions, but as a rule we don’t take them. I got burned with a $35 charge, for $3 worth of eggs. Honestly I would have given her the eggs if she had said she didn’t have the money.
Maybe I’m missing something, but you can go to an ATM and make a withdrawal with a debit or ATM card. You can go to the bank and make a withdrawal in person during business hours. You can use a debit card at grocery stores, they offer a cash back in addition to purchase option. Some other physical retailers do as well. You can go completely Luddite and receive a physical paycheck, take it to the issuing bank and cash it. Many poor people do this, they don’t have enough money to keep minumum balances for an account themselves and cannot afford the fees.
>>I have a question. How do you get cash?<<
I use my ATM card. Since I ONLY use it at an ATM machine, I never use it as a DR card.
>>I’m serious about this question as I would like to get away from credit cards in resturants when I can’t hold the card.<<
Basically impossible. Just figure you are covered (for the most part). I primarily use AMEX and they are super-protective of their customers.
I write one for my tithe every other week at Church... we don’t have debit card swipers in our pews yet...
The paper check is an awkward thing compared to the debit card, which can be treated as if it was a credit card if the merchant desires. Not enough money in account comes back as though it were credit limit reached, so in either case the merchant (and customer) are warned.
However, I’d be hesitant to use a debit card as a credit card if it had to be “run” out of my view, like some restaurants do. Some employees aren’t honest and will copy your card for future fraudulent use.
A pastor at one church I visited was adamantly against the swipers because it would accept credit cards too and thus embrace what he believed (and I tend to agree) would be an ungodly philosophy.
We simply made the decision when the CC companies decided to adjust rates with “so and so” many days notice that what if one day they raised rates beyond our ability to pay? Or what if the Cycle of payment was shortened past the current 28 days? Or what if...
We work hard for the income we have, therefore we guard our ability to make decisions in the manner we spend it. Works for us although it is not for everyone.
Does it cause some POS problems? Yep. We’ve learned to carry more ID for checking into a Hotel if necessary, budget how much cash we should have on hand, and not spend more than we have coming in.
I might disagree with the Government not creating money on plastic - EBT, Veteran Benefit Cash Cards, etc - those are (at least until a budget is passed) created electrons representing Credit/Debit/Cash available that does not truly exist.
True... unless you personally know the person well enough that they would make up any bounce charge personally out of a sense of personal responsibility.
That sounds like good business sense.
Vets benefits, foodstamps etc... that can’t be any phonier than a Treasury check of the kind one gets for a Federal income tax refund if opting to be repaid by physical check.
A little over fifty years ago, this technology was revolutionary in the temples of the money changers.
http://en.wikipedia.org/wiki/Magnetic_ink_character_recognition
Magnetic ink character recognition, or MICR, is a character recognition technology used primarily by the banking industry to facilitate the processing and clearance of cheques and other document. The MICR encoding, called the MICR line, is located at the bottom of a cheque or other voucher and typically includes the document type indicator, bank code, bank account number, cheque number and the amount, plus some control indicator. The technology allows MICR readers to scan and read the information directly into a data collection device. Unlike barcodes or similar technologies, MICR characters can be easily read by humans. The MICR E-13B font has been adopted as the international standard in ISO 1004:1995,[1] but the CMC-7 font is widely used in Europe.
“Vets benefits, foodstamps etc... that can’t be any phonier than a Treasury check of the kind one gets for a Federal income tax refund if opting to be repaid by physical check.”
People get repaid? (just joshin’)
However all joking aside, the Refunds are money that is supposed to be returned for overpayment, but has most likely already been spent somewhere during the year - so yes - I believe that is “created money”.
It’s not like we’ve had a balanced budget or even a GDP surplus to actually pay back those who budget for a “refund” - for a looonnnnggg time.
They ‘are said’ to make 5%. Any documentation?
“but many use checks because they don’t have money in the bank right when they want something.”
Most larger companies use electronic checking, meaning the second you hand it to the cashier the second it get goes to the bank for approval.
Otherwise known as the ABA Routing Number. If you have a recurring bill that you want to have automatically deducted from your checking account, this is the number that they use.
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