[nabs-l] Using a credit/debit card

Mon Nov 10 16:38:26 UTC 2014

Aleeha:
Luckally my area has most of them with tactile numberpads.
As far as dealing with all touch screen though, I think Credit would
be a good solution to that, generally speaking.
As far as thesignature guide,, I think that depends greatly on the machine.
I just think its not so much about having cards in braille--because
like someone on here mentioned earlier, once you get your new cards,
the security pin and the rest are easy enough to memorize,
and anyway for debit the only thing you need to memorize is your pin,
but I think a better solution to this would be to do something about
the all-touch screen point of sale devices.
I'm not sure what we could do as far as that goes though.
Also, if you include iPads as touchscreen point of sale devices, which
they use mostly in apple stores and cellphone carreirs, then yeah, its
annoying, but they'll usually be very helpful as far as signing.
Apple Pay could present a solution to all these problems if you have
an IOS device though.

Jorge

On 11/10/14, Aleeha Dudley via nabs-l <nabs-l at nfbnet.org> wrote:
> I have been told that sometimes a signature guide will interfere with
> some touchscreen systems. I, personally, hate the point of sale
> devices. I can never see what the charge is, I work with many that are
> completely touchscreen, including the pin pad, and I just don't have a
> lot of faith in the average Joe behind the counter. Call me paranoid,
> but there you have it. I would love to have my cards in Braille so
> that I don't have to ask someone for all that information on anny new
> card that I get.
>
> On 11/9/14, Cindy Bennett via nabs-l <nabs-l at nfbnet.org> wrote:
>> I think that everyone has their preferences for how they keep track of
>> information. I have three credit cards and am the treasurer of 2
>> organizations. each with their own card. Not to mention my insurance
>> card, various loyalty cards, my student ID, bus pass, the list goes on
>> that are crammed in my wallet. I have pretty much gotten my credit
>> card information down, but it always takes me a while when I get an
>> updated card to memorize the new information. I do not use the
>> treasury information enough to have it memorized. I can read the print
>> numbers on credit cards with raised numbers but can't read the
>> three-digit cvv and can often not read the expiration date since it is
>> in a smaller font. Some credit cards have no raised lines. So, if you
>> can memorize everything, that's awesome. But I don't trust myself
>> enough. If I am ordering a pizza, the person on the other line doesn't
>> really have time for me to think about my credit card number. I need
>> to spout it off quickly. I can often do this, but having a braille
>> backup is really handy.
>>
>> The nice part is that I think braille is one of the safest ways to
>> store personal information like that.
>>
>> Cindy
>>
>> On 11/9/14, Kaiti Shelton via nabs-l <nabs-l at nfbnet.org> wrote:
>>> Hi all,
>>>
>>> Maybe I'm not understanding this right, but why would you want to have
>>> your card in braille?  I found it pretty easy to just memorize my
>>> number, my security pin, and my expiration date for both of the credit
>>> cards I've had.  The number that I am to call in case of an emergency
>>> is available in emails I receive with links to view my statements
>>> online.  With this set up, is there anything that would be available
>>> in braille that I'm not getting using these methods?
>>>
>>> As for using a credit card, I have not really had a problem with it.
>>> As others have said, the slot should always be on the right side of
>>> the machine, and you can usually use the raised numbering on the
>>> picture side of the card to help you tactally orient it.  A sticker
>>> will also help too, and should not cause you any problems swiping.   I
>>> have no shame in asking the cashier to swipe the card for me and put
>>> in my acceptance of the charges if the screen is inaccessible, and in
>>> my experiences the signature box has always shown up towards the
>>> bottom or the middle of the screen.  Usually the cashier will tell me
>>> that the okay button is in the top right corner, or bottom right, etc,
>>> and I'll be able to hit it with the pen based on those directions.  I
>>> always ask to make sure the card swiped okay.  I find this method
>>> extremely helpful when doing things like grocery shopping; that way I
>>> don't have to worry about having a certain amount of cash on hand, I
>>> can keep track of my spending habits over time, and I can build my
>>> credit by paying back my bills on time.
>>>
>>> Hope this helps.
>>>
>>> On 11/8/14, Carly Mihalakis via nabs-l <nabs-l at nfbnet.org> wrote:
>>>> Good morning, John,
>>>>
>>>> My roommate banks at Wells Fargo and receives his card in braille,
>>>> while I bank with BofA and do not receive my own debet card in braille.
>>>> Car01 AM 11/8/2014, starmy22--- via nabs-l wrote:
>>>>>Hi,
>>>>>I have a question: when getting a new debit or credit card, is it
>>>>>possible for the company who makes the cards to put them in braille
>>>>>if requested by the blind user so they could read them?
>>>>>I hope to hear from you soon.
>>>>>Sincerely,
>>>>>John Sanders
>>>>>
>>>>>
>>>>>-----Original Message----- From: Jorge Paez via nabs-l
>>>>>Sent: Friday, November 07, 2014 4:42 PM
>>>>>To: Cindy Bennett ; National Association of Blind Students mailing list
>>>>>Subject: Re: [nabs-l] Using a credit/debit card
>>>>>
>>>>>I can say from personal experience that using a signature guide on a
>>>>>touch screen is fine.
>>>>>Good point about the location of the swiping mechanism though.
>>>>>Also, labeling your cards is another option, so that you know, for
>>>>>instance, that the letter W for Welsfargo always faces away from you
>>>>>when you swipe, that kinda thing.
>>>>>I find that very useful on my cards as well.
>>>>>
>>>>>
>>>>>
>>>>>On 11/7/14, Cindy Bennett via nabs-l <nabs-l at nfbnet.org> wrote:
>>>>>>Hi,
>>>>>>
>>>>>>I think the suggestions thus far have been great. If the card just has
>>>>>>a magnetic strip, you can even cut one of the two corners that does
>>>>>>not have a strip. This is not good to do on cards such as bus passes
>>>>>>or student ID's if you don't swipe them but wave them in front of a
>>>>>>sensor.
>>>>>>
>>>>>>I would say that credit card machines tend to be oriented in 2
>>>>>>fashions. Either the slot is on the right or the top. I always slide
>>>>>>my card from top to bottom or from left to right depending on where
>>>>>>the slot is. I always orient the card so the magnetic strip is sliding
>>>>>>through the slot itself, and I face the card so the magnetic strip is
>>>>>>sliding against the part of the machine that is bigger. For example,
>>>>>>if the slot is along the right side, you would want the strip facing
>>>>>>toward and sliding against the left edge of the slot since the bulk of
>>>>>>the machine is to the left of the slot. If the slot is on top, face
>>>>>>the strip toward you as you slide it. Sometimes, the slot is on the
>>>>>>right side, but it is oriented so you lay your card down on the
>>>>>>machine and slide it down. This means that the magnetic strip would be
>>>>>>facing down. It would be similar to laying your card flat on a table
>>>>>>and sliding it down the table.
>>>>>>
>>>>>>I do get irritated at businesses that require a touch signature. I
>>>>>>find it difficult to know where the field is and often just sign my
>>>>>>initials or an X. If you carry a signature guide with you, you could
>>>>>>ask the cashier to place the guide accordingly. I have always wondered
>>>>>>however if the presence of a guide would activate other touch buttons
>>>>>>on a touch pad.
>>>>>>
>>>>>>I have noticed that the touch ok button is often on the lower right
>>>>>>corner of the screen.
>>>>>>
>>>>>>I've come to learn which businesses have which minimums. It is
>>>>>>interesting that you can slide as debit or credit and the transaction
>>>>>>shows up similarly, so I go with the path of least resistance if I
>>>>>>know. For example, I know that Rite Aid does not require a signature
>>>>>>unless over $25, so if my transaction is $25 or less, I will slide as
>>>>>>credit. If it is more, I will enter my pin as their pin pad is
>>>>>>tactile.
>>>>>>
>>>>>>
>>>>>>I'm sure excited about Apple Pay though. Start asking around for it!
>>>>>>There are a couple of apps sponsored by various banks that give
>>>>>>location-based information about what businesses support soft card aka
>>>>>>ApplePay or Gogle Wallet forms of payment.
>>>>>>
>>>>>>Cindy
>>>>>>
>>>>>>On 11/7/14, Jorge Paez via nabs-l <nabs-l at nfbnet.org> wrote:
>>>>>>>Darian:
>>>>>>>On machines that have the tactile keypad the ok button always has a
>>>>>>>circle on it and is usually in the lower right corner of the machine.
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>>On 11/7/14, Darian Smith via nabs-l <nabs-l at nfbnet.org> wrote:
>>>>>>>>Hi Kaley,
>>>>>>>>
>>>>>>>>  Point of Sale machines are notorious for their inaccessibility
>>>>>>>> ty.
>>>>>>>>   Most times I find it fairly simple to find the card reader slot
>>>>>>>> as
>>>>>>>> it
>>>>>>>>tends to either be on the right side of machines  in such places as
>>>>>>>>supermarkets.  I tend to be able to  tactually identify a  groove
>>>>>>>> where
>>>>>>>>the
>>>>>>>>card would go.   however  finding   the "ok" button has been pretty
>>>>>>>>difficult to do without sighted assistance  in  my view.
>>>>>>>>   For obvious reasons the clerk is very willing to help you find
>>>>>>>> what
>>>>>>>>you
>>>>>>>>need to find, though it would be  much   more ideal to be able to go
>>>>>>>>about
>>>>>>>>the process   independently  as  others in the store can.
>>>>>>>>  Hope this helps,
>>>>>>>>   Darian
>>>>>>>>>On Nov 7, 2014, at 11:30 AM, kcj21 via nabs-l <nabs-l at nfbnet.org>
>>>>>>>>>wrote:
>>>>>>>>>
>>>>>>>>>Hi all,
>>>>>>>>>            Generally, I pay with cash, but it is difficult when I
>>>>>>>>> have
>>>>>>>>>to
>>>>>>>>>use my credit or debit card. I find that the machines aren't
>>>>>>>>> uniform
>>>>>>>>>and
>>>>>>>>>I
>>>>>>>>>can't always tell where I am suposed to swipe or where to press
>>>>>>>>> "ok".
>>>>>>>>>Do
>>>>>>>>>you guys have any tricks for using debit/credit cards.
>>>>>>>>>
>>>>>>>>>Best,
>>>>>>>>>Kaley
>>>>>>>>>_______________________________________________
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>>>>>>>>
>>>>>>>>
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>>>>>>>
>>>>>>>
>>>>>>>--
>>>>>>>Jorge A. Paez
>>>>>>>
>>>>>>>LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>>>>>>>
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>>>>>>
>>>>>>
>>>>>>--
>>>>>>Cindy Bennett
>>>>>>1st Year Ph.D. Student, University of Washington
>>>>>>Human Centered Design and Engineering
>>>>>>
>>>>>>Treasurer of the Greater Seattle Chapter and of the National
>>>>>>Federation of the Blind of Washington
>>>>>>Affiliates of the National Federation of the Blind
>>>>>>
>>>>>>clb5590 at gmail.com
>>>>>>
>>>>>>_______________________________________________
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>>>>>
>>>>>
>>>>>--
>>>>>Jorge A. Paez
>>>>>
>>>>>LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>>>>>
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>>>>>
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>>>>
>>>>
>>>>
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>>>
>>>
>>> --
>>> Kaiti
>>>
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>>
>>
>> --
>> Cindy Bennett
>> 1st Year Ph.D. Student, University of Washington
>> Human Centered Design and Engineering
>>
>> Treasurer of the Greater Seattle Chapter and of the National
>> Federation of the Blind of Washington
>> Affiliates of the National Federation of the Blind
>>
>> clb5590 at gmail.com
>>
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>
>
> --
> Aleeha Dudley and Seeing Eye Yellow Labrador Dallas
> Vice President, Ohio Association of Blind Students
> Email: blindcowgirl1993 at gmail.com
> Follow me on Twitter at @blindcowgirl199
>
> The wind of heaven is that which blows between a horse's ears.
> - Arabian Proverb
>
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-- 
Jorge A. Paez

LinkedIn: http://www.linkedin.com/in/jorgeapaez11994