[Nfbmo] Question about debit cards
James Moynihan
jamesmmoynihan at gmail.com
Mon Jun 18 19:21:29 UTC 2012
Brian
You can use your debit card as either a debit card or a credit card.
Jim Moynihan
----- Original Message -----
From: "Brian Wekamp" <bjwekamp02 at embarqmail.com>
To: "NFB of Missouri Mailing List" <nfbmo at nfbnet.org>
Sent: Saturday, June 16, 2012 7:27 PM
Subject: Re: [Nfbmo] Question about debit cards
> Hello Everyone:
>
> I thought one reason businesses let you use your debit card like a credit
> card was in the event you didn't remember your pin number you could make
> the transaction with just a signature.
>
>
> Thanks
>
>
> Brian Wekamp
>
> -----Original Message-----
> From: DanFlasar at aol.com
> Sent: Friday, June 15, 2012 11:51 PM
> To: nfbmo at nfbnet.org
> Subject: Re: [Nfbmo] Question about debit cards
>
> It works because the debit cards are set up to be used either way.
> There
> are differences - if you use the debit card as a credit card (remember
> that they are all branded either VISA or MasterCard) you cannot take cash
> out
> and you have to sign for it, though some stores won't require a signature
> if it's less than a certain amount - usually $10 or so. Even if you
> have
> your purchase processed as a credit card, the money is still taken
> directly
> out of your checking account - the balance in your checking or debit card
> account is the collateral for the transaction, so if your account balance
> is
> less than your purchase, your transaction will be denied, unlike a 'real'
> credit card. There is also a difference in the fees charged the
> merchant
> for the transactions - generally, the merchant is charged less if you
> process the card as a credit card. Processing as a debit card results in
> a
> higher - and less regulated - fee on the merchant, which is why they are
> happy
> when you choose the credit card option.
> And by the way, debit card fees are subject to different fee
> transactions depending on the issuing organization. There is a move in
> colleges
> and universities to issue student IDs as a debit card. These cards
> generally have high fees. It's better not to use them if you can. Far
> better to
> use a card from your own bank or better yet, credit union. If you want
> more on tis, I can provide some links.
>
> As far as entering your PIN:
> Most point of sale or ATM machines have a raised button keypad -
> oriented like a telephone keypad rather than a computer keypad. Since
> the PIN
> is always numeric, you just need to locate the 5 (middle key in 2nd row
> from top) and the other numbers are arranged in ascending order in rows
> of 3,
> as follows:
>
> top row: 1 2 3
> second 4 5 6
> third row 7 8 9
> bottom * 0 #
> Hope this helps,
>
> Dan
>
> Dan Flasar
> Lewis & Clark chapter
>
>
>
>
>
>
> In a message dated 6/15/2012 10:56:36 P.M. Central Daylight Time,
> kaybaycar at gmail.com writes:
>
> Hey Kyle. I had the same problem when I started using a debbit card a
> couple years ago. All you have to do is hand your card to the
> casheer, and tell that person that you want the perchase taken as
> credit. Someone on this list may be able to explain why this works,
> but I know that it does. The casheer will then take your card, scan
> it for you, and should show you where to sign if necessary.
> Sometimes(especially if you are with your mom or another sighted
> person) the casheer expects that person to do it for you. But if you
> want that casheer to do it, just tell them to take your card as credit
> and to put it through the machine for you because you are blind. Most
> are very helpful though, so you may not have to deal with this much.
>
> On 6/15/12, Kyle Borah <kgborah at att.net> wrote:
>> Now that I'm 18 and moving off to college, I got a debit card. However,
> when
>> me and my mom were shopping one time, and I paid for the purchase with
>> my
>> card, I was unable to type in the pin number because I couldn't see it.
> My
>> mom just typed it in, but what am I to do if I am alone. Has anyone out
>> there had to deal with this kind of situation? And if so how did you
> remity
>> it?
>>
>> Blessings,
>> Kyle Borah
>>
>> At-large board member of the Missouri Association of Blind Students and
>> proud graduate of Oakville Senior high school class of 2012.
>>
>> Learn to do right; seek justice. Defend the oppressed. Take up the cause
> of
>> the fatherless; plead the case of the widow.
>> Isaiah 1:17
>> _______________________________________________
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>>
>
>
> --
> Julie McG
> Lindbergh High School class of 2009, National Federation of the Blind
> of Missouri recording secretary,
> Missouri Association of Guide dog Users President,
> and proud graduate of Guiding Eyes for the Blind
>
> "For God so loved the world that he gave his only Son, so that
> everyone who believes in him may not perish but may have eternal
> life."
> John 3:16
>
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