[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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