[nabs-l] Using a credit/debit card

Mon Nov 10 17:05:55 UTC 2014

I disagree on your second point.
They've never asked me that info, even when I end up giving them the
card to swipe.
And anyway, as long as they swipe it or I do it, either way don't they
get the infoshowing up on the screen?

On 11/10/14, Carly Mihalakis via nabs-l <nabs-l at nfbnet.org> wrote:
> Good morning, Cindy, and everyone,
>
> Just let the perceived need for a signature guide go, in this case.
> Also, I think when you are using point of sale machines, your card
> can't be used unless the man behind the counter has both your card
> number and your PIN.
> Hope this helps your paranoia!
> Car At 08:13 AM 11/10/2014, Aleeha Dudley via nabs-l 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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>> b%40gmail.com
>> >>>>>>>
>> >>>>>>>
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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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>> 994%40gmail.com
>> >>>>
>> >>>>
>> >>>>--
>> >>>>Jorge A. Paez
>> >>>>
>> >>>>LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>> >>>>
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>> >>>> nabs-l:
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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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