[nabs-l] Using a credit/debit card

Mon Nov 10 17:52:33 UTC 2014

I do not believe that the cashier can see your pin on their screen
unless you specifically give it to them verbally. My card, as many
others do, funcions both as debit and credit. So, yes, I feel
uncomfortable handing it to some random stranger to scan. If sighted
people can complete their transactions securely and independently, why
shouldn't I be able to as well?
Aleeha

On 11/10/14, Jorge Paez via nabs-l <nabs-l at nfbnet.org> wrote:
> 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
>>> >>>>>>>>_______________________________________________
>>> >>>>>>>>nabs-l mailing list
>>> >>>>>>>>nabs-l at nfbnet.org
>>> >>>>>>>>http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> >>>>>>>>To unsubscribe, change your list options or get your account
>>> >>>>>>>> info
>>> >>>>>>>> for
>>> >>>>>>>>nabs-l:
>>> >>>>>>>>http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/dsmithnf
>>> b%40gmail.com
>>> >>>>>>>
>>> >>>>>>>
>>> >>>>>>>_______________________________________________
>>> >>>>>>>nabs-l mailing list
>>> >>>>>>>nabs-l at nfbnet.org
>>> >>>>>>>http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> >>>>>>>To unsubscribe, change your list options or get your account info
>>> >>>>>>> for
>>> >>>>>>>nabs-l:
>>> >>>>>>>http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/jorgeapae
>>> z1994%40gmail.com
>>> >>>>>>
>>> >>>>>>
>>> >>>>>>--
>>> >>>>>>Jorge A. Paez
>>> >>>>>>
>>> >>>>>>LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>>> >>>>>>
>>> >>>>>>_______________________________________________
>>> >>>>>>nabs-l mailing list
>>> >>>>>>nabs-l at nfbnet.org
>>> >>>>>>http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> >>>>>>To unsubscribe, change your list options or get your account info
>>> >>>>>> for
>>> >>>>>>nabs-l:
>>> >>>>>>http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/clb5590%40gmail.com
>>> >>>>>
>>> >>>>>
>>> >>>>>--
>>> >>>>>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
>>> >>>>>
>>> >>>>>_______________________________________________
>>> >>>>>nabs-l mailing list
>>> >>>>>nabs-l at nfbnet.org
>>> >>>>>http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> >>>>>To unsubscribe, change your list options or get your account info
>>> >>>>> for
>>> >>>>>nabs-l:
>>> >>>>>http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/jorgeapaez1
>>> 994%40gmail.com
>>> >>>>
>>> >>>>
>>> >>>>--
>>> >>>>Jorge A. Paez
>>> >>>>
>>> >>>>LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>>> >>>>
>>> >>>>_______________________________________________
>>> >>>>nabs-l mailing list
>>> >>>>nabs-l at nfbnet.org
>>> >>>>http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> >>>>To unsubscribe, change your list options or get your account info
>>> >>>> for
>>> >>>> nabs-l:
>>> >>>>http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/starmy22%40gmail.com
>>> >>>>
>>> >>>>_______________________________________________
>>> >>>>nabs-l mailing list
>>> >>>>nabs-l at nfbnet.org
>>> >>>>http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> >>>>To unsubscribe, change your list options or get your account info
>>> >>>> for
>>> >>>> nabs-l:
>>> >>>>http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/carlymih%40c
>>> omcast.net
>>> >>>
>>> >>>
>>> >>>
>>> >>> _______________________________________________
>>> >>> nabs-l mailing list
>>> >>> nabs-l at nfbnet.org
>>> >>> http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> >>> To unsubscribe, change your list options or get your account info
>>> >>> for
>>> >>> nabs-l:
>>> >>>
>>> http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/crazy4clarinet104%40gmail.com
>>> >>>
>>> >>
>>> >>
>>> >> --
>>> >> Kaiti
>>> >>
>>> >> _______________________________________________
>>> >> nabs-l mailing list
>>> >> nabs-l at nfbnet.org
>>> >> http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> >> To unsubscribe, change your list options or get your account info for
>>> >> nabs-l:
>>> >> http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/clb5590%40gmail.com
>>> >>
>>> >
>>> >
>>> > --
>>> > 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
>>> >
>>> > _______________________________________________
>>> > nabs-l mailing list
>>> > nabs-l at nfbnet.org
>>> > http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>> > To unsubscribe, change your list options or get your account info for
>>> > nabs-l:
>>> >
>>> http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/blindcowgirl1993%40gmail.com
>>> >
>>>
>>>
>>>--
>>>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
>>>
>>>_______________________________________________
>>>nabs-l mailing list
>>>nabs-l at nfbnet.org
>>>http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>>>To unsubscribe, change your list options or get your account info for
>>> nabs-l:
>>>http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/carlymih%40comcast.net
>>
>>
>>
>> _______________________________________________
>> nabs-l mailing list
>> nabs-l at nfbnet.org
>> http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
>> To unsubscribe, change your list options or get your account info for
>> nabs-l:
>> http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/jorgeapaez1994%40gmail.com
>>
>
>
> --
> Jorge A. Paez
>
> LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>
> _______________________________________________
> nabs-l mailing list
> nabs-l at nfbnet.org
> http://nfbnet.org/mailman/listinfo/nabs-l_nfbnet.org
> To unsubscribe, change your list options or get your account info for
> nabs-l:
> http://nfbnet.org/mailman/options/nabs-l_nfbnet.org/blindcowgirl1993%40gmail.com
>

-- 
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