Most debit cards can also be used as a charge
Posted By: sm on 2007-01-31
In Reply to: REGARDING FRAUD AND BOBS - need info
card. If you use it as a charge card you do not have to put in a PIN number. What happened to your daughter sounds like someone from Bobs took the actual account number information. I'd confront Bobs mgmt.
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Don't use your debit cards
I had a problem with fraud on my account through them. Surely they have fixed it by now, as this was last year and the year before (yes 2 separate occurrences, both at xmas time). So I would not suggest using any cards there but cash only.
I do agree that it seems to be a great idea for teens. Their prices are great and our location has always been helpful with advise, returns, etc.
Another good idea I have found for teenagers is a gift card for restaurants or gas stations. It helps their parents a bit and if they have a girlfriend/boyfriend places like AppleBees or Red Lobster are nice so that they can go on a nice date and not have to worry about $30 for the bill. Even with a part-time job that's a lot of money for a teenager! :) My nephew actually requests it.
Overdraft and Debit Cards
Thank goodness at the bank we use, debit card deductions are the same as checks (I rarely use checks). The overdraft applies to those as well. Luckily I don't use the overdraft often, just glad to know it's there is I need it.
Our kids got their own credit/debit cards when they hit 18 and got jobs. Their success or lack of
s
"Food stamps" now are paid on EBT cards - federal EBT cards which look the
have the option to have their pay on an EBT card as well.
She may well have been using her family's federal EBT card and working for the government for a living.
Or, if she is a foster parent, those children will receive state benefits and she could use an EBT card for food assistance.
Everything is not always what it appears to be. I'm sure you're a nice person, right?! See?! We wouldn't know any better if we believed the appearance you have given here! :)
all of them that I can because my debit card
so I rack up the points paying my bills online with it!!
Used my debit card for everything - sm
but spent too much, about $800 in all. Got overcharged on my gift cards, bought 2 at $50, but got charged for 5.....just got my money back from the offending store on that one, which was quite a fight. They would not even listen to me, filed papers with the bank and sent the company a nasty detailed email to their complaint department, which believe it or not did the trick. My bank did not have to do anything in the end, just kept me informed on what the store was doing, took a week to get it resolved, but got my $164.85 back.
Is there a debit card available where a bank
?
I use a prepaid debit card. sm
My pay is deposited right on the card. I can also load the card, but it costs $3.50. Its called Real Money. There is a $5.95 month fee though. To take money out of an ATM costs $1.50 plus whatever the ATM charges. It also has a bill payer with a lot of merchants already programmed in so you can pay bills online. The only problem I have with it is that they'll put holds on funds and give the merchant 15 days to claim it before releasing it like if something gets charged twice for instance. One time I tried to buy a money order at the Wal-Mart money order machine and it never gave me my money order but had charged my card. It was for over $200 and they were going to hold it for 30 days! I had to have Wal-Mart fax a release to them. That was a pain.  You have to be careful with some of this prepaid debit cards and read the fine print because some of them have a lot of hidden fees.
If it was a VISA check/debit card she will get -sm
her money back, don't know about other "brands" though. Someone stole my number from a BJs database and charged about $800 worth of stuff in another state quite far from us, of course the money came right out of our checking account. I went to the bank, filled out a zillion forms and had the all of the money back in 24 hours in a new checking account. That is total bull that she won't get the money back, the bank should guarantee it. One of you should definitely look into it and make some noise so she gets ever penny back.
huh? I have a debit card, not a visa, mastercharge....
and I cannot charge on it - I can only get $$ off it - and use it anywhere they accept debit cards (Walgreen's, etc) but not in dept. stores - only to DEBIT my card - never to charge. The bank always tries to solicit me with a Visa or Mastercharge debit card and I constantly cut them up and send them back to the bank - I don't want another VISA card (already have three, two of which I never use) and so I ONLY want a bank debit card...WAMU is the bank
This is the reason I refuse to carry a debit card....sm
Most retailers do not require you to use a PIN and there is no security on these things. I've heard of many people like your daughter getting stuck without money for a few days while waiting for the bank to credit them back. Another problem that happens sometimes, including happening to my husband when we were dating was that when we ate out the waiter made an error on the charges to the debit card - charging $440.00 instead of $44.00. The waiter immediately ran the credit and the manager apologized, but the bank still took out the $440 until they received the written confirmation from the restaurant's bank of the error. Fortunately he had the money in his account to cover this error but other people would bounce checks over it. The same thing happened to my mom - an error was made and she was without as much as she should have had for the 3 business days it took to credit her back.
Your daughter should immediately talk to the police department about the fraud and the bank. Good luck straightening it out!
Beware of overdraft protection on debit card though
My son moved into his own place, actually sharing a house with a friend. He got his first checking account and was actually doing well with it. He actually didn't get any checks and just used his debit card. He and his roommate decided to get cable. Evidently my son signed up for it to be automatically deducted from his checking account, which he says he did not know. That was his responsibility and his mistake obviously. He should have known when they were going to ping his account. Unfortunately, he did not. They deducted for his cable bill, and then he thought he had more in his checking account and used his check card about 12 times in a 2 day time period.. like, for 1 soda for $1.49, or $5.00 of gas. All of these charges were allowed and were put through but then were charged a $30 fee for each. Finally on the third day, the card was declined and that same day he received the notice of overdrafts in the mail. Supposedly this is a service the bank offers, which I don't understand, in that they will process your debit like an overdraft and put it through, but then charge you. I totally understand how that is a good thing for checks, as you avoid getting the check charges and bounced checks through the merchants, but when you are using a debit card, shouldn't it just decline it if you don't have enough money in there? It would have tipped him off right away that there was a problem with his account, instead of racking up over $300 in overdraft fees. We've contacted the bank several times, but they will not budge saying that this is "service" they provide and it was explained in the paperwork he received when he opened his account.
Not a charge per se........sm
Just be sure that you do it from your land line or online throught the Tracfone web site. If you use your Tracfone to activate or add air time, you could lose some of your air time.
Overall, I think it is a great way to have a cell phone because you can control the costs (no surprise $400 phone bills) and there is no contract (therefore no fee for cancellation of your contract if you choose to end the service).
Yeah thats what they do, they charge
it off so they aren't out money and they could care less about you. If you offer to make a payment that they don't think is enough, they refuse it. They would rather not get any money from you then accept a partial amount, and I honestly think it is because they can just write it off. They actually discourage people from trying to pay off their own debts, and they certainly penalize you for it. I totally relate!
yes, they might charge you a bit for reports...sm
but is always worth it to have them.........*S*.....my friend in Florida just had a cardiac catheterization and wanted his reports, and they charged him $11 for them DIRECTLY after the procedure...*sheesh* - cannot believe it......
In charge of nothing, apparently.
That kind of power is too much for most people.
I would tell her to find someone else to be in charge
Tell her nicely that you really cannot afford to buy another dress and that it might be better to ask someone else to do it. I think that it is very rude of her to tell you at the last minute like that. Good luck!
Get adapter - charge from car nm
x
Is there a charge to activate the
phone the first time?
I can do the same thing but they charge - sm
tuition as well here. But is is a heck of a lot cheaper than private school, about $1500-$2000 a child.
The charge runs out
Your power goes out and you can't recharge it.
You have an accident and drop/damage it - you're instantly phoneless until you go get a replacement.
You can't remember where you left it, and don't have another phone to call it so it will ring and you can find it.
Moms are in charge of the fun!
What are your summer fun plans?
Free days at local attractions, or something bigger?
At my house we will be taking a week to explore our own state, which is pretty big!
Why do they need someone in charge of the guest book?
You leave it on the table by the placecards, and people sign it when they get their table assignments. I have never seen anyone in charge of a guest book before. Talk about micromanaging.
this is true; we need to take charge and care for others who
nm
I know if SHE doesnt get proactive and take charge
x
a charge card slot in their
bra LOL
Would you charge 18yo rent?
Son is turning 18 in a couple of weeks. Has a part time job (going full time when turns 18 due to labor laws), no plans for college, not really sure what he wants to do, oh - and he has to go to summer school to finish a course and get credit for school.
So - would you charge rent when he turns 18 and if so, how much? What about groceries (he's skinny as a rail and eats ALL day long! ha).
he''s in charge is what it means since Anna is dead.....
WHAT IS A GUARDIAN AD LITEM?
A guardian ad litem is an individual appointed by probate court before or during a proceeding. Responsibilities may include prosecuting an action on behalf of an individual, providing information to a respondent, conducting an investigation, and making a report and recommendation to the court.
http://courts.co.calhoun.mi.us/book042a.htm
We need DOCTORS in charge of our health care,
!
Why is a parent volunteer in charge of the ESL child?!? sm
I'm astounded that this task is being left to someone who is not even a teacher, let alone not a specialist. Is this a financially depressed area/school that has lack of funding for such programs? Or a school that normally doesn't have ESL kids and they just don't know what to do with him?
Bless you for trying, I don't have any answers, just a dumbfounded look on my face.
I don't think they charge to listen to introductory message.nm
nm
I have an 18-year-old daughter and we charge her rent...
I think it teaches them responsibility and what the "real" world is like, there is not a free ride and to be accountable. The rent we charge does include groceries, cell phone, etc. She just pays my husband and I a lump sum at the beginning of the month and it covers all expenses at home. She buys her own clothes, make-up, personal items and even helps with her college expenses at the local community college. I think it's a great idea!
I hope they didn't charge him for the haircut! -(nm)-
Can you direct us to a legitimate company, one that does not charge the shopper?
x
start by taking charge of your life in 1 small way
Start exercising again. If you can't walk, do you get a channel on tv that has a fitness show? Can you borrow fitness tapes from the library? I wouldn't start with the divorce right away; I would pick something smaller to change to start with. I know this is easier said than done. Good luck.
14-year-old girl faces pornography charge
There's got to be a better way of stopping this than possibly having her register as a sex offender at 14.
CLIFTON — A 14-year-old girl faces child pornography charges after she allegedly posted nearly 30 nude pictures of herself on a social networking site, authorities said.
Detectives with the Passaic County Sheriff’s Department’s Internet Crimes Unit arrested the teen Tuesday. The National Center for Missing and Exploited Children contacted sheriff’s detectives about someone posting photos of an underage nude girl on a MySpace profile. The center, which monitors social networking sites for illegal images of children, contacted county detectives through the State Police’s Internet Crimes Against Children Task Force, said Bill Maer, the sheriff’s department spokesman.
Following a month-long investigation, detectives discovered that the person posting the pictures was the same person featured in them — the 14-year-old girl. Anyone who was “friends” with the girl through MySpace or knew her full name could have accessed the photos.
The teen was charged with one count of possession of child pornography and one count of distribution of child pornography. She was released into her mother’s custody, Maer said.
The teen reportedly told police she posted the pictures into a photo album for her boyfriend’s enjoyment. More arrests may be forthcoming, Maer said. Maer said that North Jersey parents should make sure they are aware of their children’s activities on the Internet.
Nope. Spheris will charge extra for obesity and smoking
nm
Elf yourself e-cards (sm)
 http://www.elfyourself.com/
This is from OfficeMax - free e-cards that you put your picture and/or family/friends and they dance. It's really cute!
I know there are cards that
are made for something just like this like maybe for a step-mother but don't actucally use those exact words. I know because it was so hard for me to get my "other" mother a card for Mother's day without feeling like I would be hurting my mother, even though she would have no idea. Don't know what this lady's hobbies or favs are, but anytime someone wants to take me out for a nice dinner just makes my day. Actucally hinted to my hubby this afternoon how nice that would be tonight but he said he needs to mow. Well, actucally that is a gift as well cuz he hates to mow and the yard really needs it. LOL!
Also, some people don't like this idea very much, making a donation to a fav. charity in their name to me is a wonderful gift. That is what I have always done for my kid's teachers. I have an aunt who is a teacher, and while she is greatful cuz she really loves kids, but she has talked about some of the "junk" she has gotten. I always made it to the Children's Miracle Network just assuming since they were teachers they would want to do something for children. A couple of times my children got the most wonderful thank-you notes. I absolutely love this idea.
yes, I actually have one of the cards. I have only
used it for dental work so far, though. Payments very affordable with the option to pay off in certain amount of time with no interest. 
I always appreciate cards, too.
I try not to hold grudges about them, but it's hard to send one to someone who can't be bothered to send to you, so I know exactly how you feel. I think its extra tough when it's family, even if it is the in-laws. And I absolutely agree with the poster who said that cards are so inadequate in some occasions, but they are better than not sending one at all and I always add a personal message.
You really have to stay on top of the cards
I do a lot of card flipping with balance transfers but also calling and trying to negotiate new deals. I just switched one with a balance transfer at 3.9 for the life of balance and then talked them down to a purchase rate of 8.9 (it had been up in the high teens). I also talked a card I've had a while into a 2.9 for the life of a balance transfer instead of the 12 month offer they were having because there was a delay in the electronic transfer to the other company causing me a bit of inconvenience. That transfer was actually for a loan I had at a pretty high interest rate, so some loans can be put on cards too which I never knew. I find websites that list ALL the latest offers for all or most card companies and I'm always checking. Sometimes I call my cards and tell them I am thinking about switching unless they can give me a similar/better rate or deal. Often they will so as not to lose the business. I have saved a ton of money doing this - it is sort of like consolidating on your own. I can post the site if anyone is interested, don't have it handy right now. Oh..I also have automatic electronic payment setup to pay a certain amount each month from my checking so the payment is NEVER late. You are so right about that, that's where they get you! I just thought maybe some of this info may help someone, I hope so. My credit is very good now but had been a mess in the past.
NO more credit cards
I had a credit card with a high balance. I got a second mortage to pay it off. I called the credit card and got the payoff balance and my bank sent a check to them. I kept watching on line to make sure they got it and when they did I noticed that there was a $95 credit. So, I called and said how do I get my money back. They sent me a check and when I got it, I called and closed the account. This was about two weeks ago. Today I get a statement from them with a balance due of $45! Huh??? I called and they keep telling me it is a finance charge. I got pretty steamed and finally ended up saying that I would pay it, but no more. Well, I wrote out the check and put in in the mailbox, but I'm still stewing about this. If I still owed them money, why did they send me a credit?? What is the finance charge on if I had a credit balance? I suppose I will just pay it because they will only keep tacking on even more charges, but it is really bugging me. Has anyone else had any experience with this??
I will say one thing - NO MORE CREDIT CARDS EVER EVER EVER. REALLY. I mean it this time.
How about addressing your own thank you cards!
My husband's side of the family seems to think that it's a wonderful idea to have shower guests address their own thank you cards as they arrive to the party! Well, geeeze! Why not go all the way and write your own thank you note, too! They put the little envelopes in a pretty little basket and pass it around. I don't care how they try to pretty it up, it's still tacky! I refuse to address my own thank you card, and you guessed it! I never receive thank you notes from DH's side of the family!
I hosted a wedding shower for my husband's sister, and my MIL came over with the little basket. We had such a fight, because I refused to do that at one of my parties. ugh!
telephone cards sm
It was on our morning local news that a local mom started collecting phone cards donated by various people for her son and his buddies in Iraq. She said the response has been overwhelming and her son and his buddies couldn't be happier because they love the fact that they can actually talk to someone at home rather than E-mail and snail mail. One woman wrote her a note along with her card, stating that she got to talk to her son every day as he was home, so it made her feel so good to be able to help someone else's son call home. Guess it's all up to them if they want to call, they have to pay, don't know how much it costs to call from there?? Imagine it is not cheap.
I think its credit cards...
The newspaper had an article the day after Christmas how people are defaulting on their credit cards all over the place. This added to the mortgage companies having problems with people unable to pay their balloon payments and the bad housing market, price of gas is sure to lead (the article said) to a recession.
When I was shopping I saw all the people with tons of things in their carts, DVD players, computers, etc. on Christmas eve. This was regular people at Walmart. I saw a lot of credit cards flashed around. Paying minimum payment will cause Christmas to cost tons more and they will be paying beyond the item's life which they purchased.
We went through this. We tried to sell our house, rented to own another and went broke in 3 months. After we had 2 house, fell back on credit cards the interest piled up and it was terrible! We moved back and are on a budget. So, I shopped without credit this year, and you know what? I had more fun. And I have 3 kids. Their things were simpler than the fancy things they got last year. The most expensive things we got were bikes because they are growing and we got those on sale. The rest were creative items. I am not saying that what we did is so great. What I am saying is that peeople are not looking at the big picture these days and if they do not use cash (as we had not in the past), they may not be able to pay their debt if hard times fall. In the meantime, grandpa sent my son 100 bucks, which I let him spend on a train set (I should not have let him do that he is 7) and he cried that his money was all gone and he did not want the train set anymore. I bet if I had him save some of it and had him buy simpler things, well I bet he would not have been crying. At least at age 7 he is learning that money is not easy to come by. And he is learning the hard way because I will not give him more money to replace what he spent. Sorry such a long message. It is just that we did not even afford an XBox, and I wanted a Wii myself, but we avoided all of that because in the end we learned that Christmas is not about credit cards, the junk it buys. I think the end of the cartoon the Grinch where the Who people did not even care about the presents was correct. Maybe we'd be happy with less things and more love. I don't know. This was not meant to be a sermon forgive me. We all have to learn what Christmas means to us and I say let people do what they want, consequences are always result of actions anyway. Just IMO. Happy New Year everyone!
A deck of UNO cards
Can you give hints? g o m d t . c o m
gift cards
Gift cards are hard to redeem, especially if they have to spend a long time trying to find something they like at the store for 5, 10 or 15 which they usually cannot and end up spending my money to cover the overage.
I think cash is much better!
Gift cards!!!!!!
x
Don't throw out those cards!
Christmas is over, please don't throw away your cards. If you don't already have plans, please consider sending them to the Pine Ridge Reservation. Children there recycle the cards to make cards for next year. They sell these to earn money. They only need the front of the cards - the picture part - and welcome any style (obviously not naughty cards). The address to send cards is: Via UPS or FedEx: Carmelita Mesteth Oyate Teca Project Wakanyeja Okolakiciye Youth Center 1000 Youth Center Drive Kyle, SD 57752 Via US Mail: Carmelita Mesteth Oyate Teca Project P.O. Box 316 Kyle, SD 57752
Free Ebirthday cards?
Anyone know of a good free E birthday card site that is easy and you don't have to sign your life away? Blue mountain now makes you sign up for a trial but wants credit card.
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