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| *Ostroff, Fair and Company>>>Personal Finance |
Paying by cheque.? |
Why do some people when buying their shopping pay by cheque? They still have to produce their debit card to use as a guarantee so what is the advantage? It can't just be to hold up the queue. I like to pay by cheque as I can keep all my spending records together as I usually lose the receipts they give when I use my debit card. Also, I'm not a fan of chip and pin as I don't think it's as safe as they say it is so at least when I use a cheque I have to sign for it and the staff have to check it, they don't bother to even look at the name on a debit card before asking you to put in your PIN. I know this because I've used my husband's card before as I know his PIN and nobody batted an eyelid. It's not people that pay by cheque that hold up the queue anyway, it's those that insist on packing every single item before attempting to find their purse!! I live in Ireland and Its a very very very long time since I saw anyone paying for their shopping with a cheque.. Very outdated in Ireland anyway.. Some people do not have debit cards, a lot of older people especially. All they've ever had are checks and that is why they always use them. I've never seen someone use a debit card as a guarantee... that doesn't make any sense, some people don't have debit cards at all. They may have to show their drivers license perhaps, but not a debit card. Maybe they do it, as it takes a few days to clear? So if they are waiting to be paid or for something to clear in their account, they won't go overdrawn? they are handy if you dont have cash in your account for a few more days. most places are phazing them out now though my daughter only pays by cheque in the supermarket because she has no money in her account and she knows that by the time the cheque is cleared that there will be sufficient funds in to cover the cheque. some people are just behind the times or maybe dont know that they can pay by chip and pin. i think it becasue some ppl no that there is not going to be anough money in there account. and there will be in a few days and so they pay by cheque cos it takes a few days to clear. but i no places are stopping ppl paying by cheque |
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