[nabs-l] Using a credit/debit card
Valerie Gibson
valandkayla at gmail.com
Mon Nov 10 23:23:19 UTC 2014
Hi,
Going to just jump in here for a sec to make one comment for consideration.
What you also need to understand is that with today’s technology, it only takes a second for someone to get your card info, as that happened to me at jamba juice once.
So I’m not comfortable handing my card to the casheer, but I do so if I have to.
One could argue that wether or not you give your card to someone, a person could still hack the system and get card info. Target anyone?
So just some food for thought.
> On Nov 10, 2014, at 10:52 AM, Aleeha Dudley via nabs-l <nabs-l at nfbnet.org> wrote:
>
> 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
>>>>>>>>>>>> _______________________________________________
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>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>> _______________________________________________
>>>>>>>>>>> nabs-l mailing list
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>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> --
>>>>>>>>>> Jorge A. Paez
>>>>>>>>>>
>>>>>>>>>> LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>>>>>>>>>>
>>>>>>>>>> _______________________________________________
>>>>>>>>>> nabs-l mailing list
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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
>>>>>>>>>
>>>>>>>>> _______________________________________________
>>>>>>>>> nabs-l mailing list
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>>>> 994%40gmail.com
>>>>>>>>
>>>>>>>>
>>>>>>>> --
>>>>>>>> Jorge A. Paez
>>>>>>>>
>>>>>>>> LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>>>>>>>>
>>>>>>>> _______________________________________________
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>>>>>>>>
>>>>>>>> _______________________________________________
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>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>> _______________________________________________
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>>>>>>>
>>>>>>
>>>>>>
>>>>>> --
>>>>>> Kaiti
>>>>>>
>>>>>> _______________________________________________
>>>>>> nabs-l mailing list
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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
>>>>>
>>>>> _______________________________________________
>>>>> 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
>>>>
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>>>
>>>
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>>
>>
>> --
>> Jorge A. Paez
>>
>> LinkedIn: http://www.linkedin.com/in/jorgeapaez11994
>>
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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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