Bank debt/check card? Same thing?
Posted By: Is it the same time? on 2008-11-28
In Reply to: Prepaid Visa Card for payment - of MT work? Anyone
Is the prepaid visa card the same as a bank debt or check card?
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Oddly enough, if I don't use my bank card as a credit card in the billing cycle, I get charged fo
x
First, a prepaired debit card is not attached to your bank at all. SM
It is a separate account set up for use with your prepaid debit card only. No checks. No bank. And with the prepaid card, they cannot withdraw money without your prior authorization. Your employer can only deposit money if your employer provides a signed DD form with your signature on it.
I've never had any problems with my card. I feel pretty secure. I do pay bills with my card, but rather than authorize a recurring monthly charge (which you can do), I opt to manually get on the money card website and pay each bill, each month. So consider this. Once you authorize a recurring bill payment, it sometimes takes an act of God to stop it.
we took an IC's check that worked for my DH to our bank and cashed it for them. sm
the check was returned and they came after us for the money of which we paid, plus the penalty to pick up the check and this was not even our check. we took it to the DA and after over a year, they sent the check back to us and told us it was a stolen check and they were not able to collect on it. our loss, $425.
Submit invoice; get check. Won't give bank account
.
If you paid by echeck, you will receive your gift pull once the check clears the bank.
/
You're really proud of the 'former bank manager' thing aren't you
Why do you use that name? Just curious.
The USB adaptor does the same thing the card does, you don't need
the card if you have the USB adaptor. The adaptor just plugs into an available USB port and you load the software and if there is an open WiFi signal you're in business. Sprint and Verizon both have a wireless broadband service, but coverage is limited. They both have an air card, but again coverage is limited. If your friend is stopping at truck stops a lot of them have wireless and if not wireless some other type of service. I don't know if the service is free, if it is free you don't need to get another service, you just use theirs. They may charge a minimal fee though. When I was traveling I tried to get dial-up in a truck stop and never could get it to work.
You could get a data plan through your cell phone provided, but again coverage is limited.
Any good ideas where to look. Job Bank and Resume bank not working.
I think they must be waiting for a tech for repairs.
First thing I would check
in the interest of time/money is your headset and/or speakers. Try to narrow down the problem by unplugging one thing at a time and see if that is the cause. Worst case scenario is that you need a new soundcard but you will want to do a little troubleshooting first before you call a tech. Could be a broken wire on your headset/speakers that is causing a short or something.
Another thing to check...
I have had TracFones for several years and have had not had any problem except when I purchased my last one and they programmed in my local zipcode I had "no bars" so I then asked them to try the zipcode for the county I live in and I got full bars and can use it in my home.
We have a tower within distance of us. I have heard that TracFone has the most coverage of all the prepaid ones but I don't know if that is a fact.
I have been extremely happy with ours as I usually get reception with mine where other people we are with may not that have the monthly paid cell phones.
Have never had a problem with their customer service either. Maybe I just lucked out. :D
Check out same thing made by Koss. It is $19.95
x
Good advice, but make sure to check 1 thing
When I did this a few years ago, my company had a policy that stated if I did not return after my leave, I could be responsible for any benefits received during the leave. Make sure to check with your human resources on that. I ended up coming back to work out a 2-week notice, which wasn't bad.
Debit card. They've got the credit card logo on them, so they
can be used anywhere a credit card can be used.
I used to send a card and gift card to my direct supervisor, but that's it. sm
She was the only one who knew me as more than an employee number, and the only one I had any respect for.
Considering they have just gotten out of debt,
it is very accountable for them NOT to get back into it by donating responsibly.
how far are you in debt?
 Just curious as to where I stand, thought it would be interesting to find out what the average is in a forum like this.
school 3200 (in forebearance at the moment, original loan 6000 in 1994, three deferrmants)
car 6000 (1999 chevy, original 12,000, backwards on loan, brakes going fast).
credit cards 8400 (just paid 2000 to one, first priority to pay off, debt contributed by ex).
hospital 4000 (major operation, no insurance, total bill 10,000 in 2001, lived with parents almost a full year to pay off half).
Well, thats mine. Please share yours.
debt
Approximately 25K. Would love to have a plan that really works to pay off in 5 years. Anyone know of one?
If you are truly serious about getting out of debt....
I would really suggest getting your hands on a copy of "Total Money Makeover" by Dave Ramsey. It has changed the outlook of our family totally and we are on our way out of debt one "baby" step at a time - we've already paid 3 credit cards off and are going to be debt free (including our vehicles and our mortgage) in less than 5 years - credit card debt (to the tune of about $28,000) will be gone in another 17 months. His method is working for us. We tried debt consolidation by credit card and by "equity line of credit" but this only treated the symptoms and not the actual problem. Hope this helps you if you're TRULY wanting out of debt. It really motivates you as you go along, too ! Nice to write those zero balances off of our refrig !
Thanks for the input. It's not debt, as we
don't have anything besides a mortgage and one loan. It's just tracking the finances. I've been thinking about switching to a cash basis for everything instead of using checks or Quicken. It would speed the process up a lot by not having to balance the checkbook or enter everything into the computer. I already spent an hour this morning trying to balance the checkbook because somebody can't save receipts, write down amounts or use duplicates. I give up...
I also need debt help. Any advice.
because of slow work this winter in MTing, but now with a new job, maybe making more to finally get caught up, our mortgage company is threatening us. I only owe 1700 over but that is a lot when you don't have it. This is not FHA loan. Has anybody else been in this position and what did you do.
When the CC debt is paid down
9 months and counting, then I can relax a bit
True, this is just until I pay off some debt. And 1 job
p
Unfortunately, CS seems to be the easiest debt to skip out on
You'll get into more trouble if you bounce a $25 check. I have used one of those private agencies because my ex had moved out of state and once that happens, if the ex doesn't want to pay and moves around in jobs, you can pretty much forget about getting anything.
The private agency works a lot faster, but the contracts are very complicated and you are pretty much signing up for the life of the CS obligation; otherwise there has be nonpayment of CS for a year before you can end the contract. And yes they take a big chunk of money but at the time I thought it was better than getting nothing at all.
But in the end, once payments have been established, the private agency ends up filtering the payment through your local CSEA anyway.
I think your best bet is to use some kind of locator service and if you can get a good address provide that to your local CSEA.
I wish they had an "America's Most Wanted" for deadbeat dads/moms. It's amazing to me that it is seemingly so easy to stop paying, change jobs, and just not be found.
About 50K in debt not counting mortgage. nm
x
I also tried debt settlement and I am now also being sued.
I spoke to a bankrupty lawyer and he said absolutely go for Chapter 7 but I guess I just wanted to here from somebody else who has been there. Thanks.
Try debt counseling first - if that does not work - sm
it will at least look good to the judge when you declare bankruptcy. I do not regret declaring bankruptcy at all - got a lot of pressure off of me when I needed it. I started all over, and now I am so much wiser so I don't get in that circumstance again. It doesn't take long to rebuild, either.
Desperately need debt consolidation help.
Can anyone recommend a reputable debt consolidation service that they have used to help successfully get them out of debt? I just want to break down and cry, but we have to do something as our credit card debt/medical bills are through the roof and unmanagable due to tough times findings jobs, etc. Thank you for any advice you can give. 
I knew someone that did get in debt overnight due
to illness. The bills were higher than any loan would cover and they wanted their money then. In that particular case, BK was the only answer and this person got it in about 1 week before the new law took effect. The individual will be able to purchase a home I believe within 2 years and has already received offers for credit. That was under the old law.
The new law makes you take a course I believe 6 months before you can file. I believe you have to qualify if you want all your bills discharged and they make it harder to get that done, i.e. you have to make a certain income only and anything over that, you have to pay back over time and it is still BK.
With the new law, I would weigh it carefully. Not everyone has emergent medical illness which might necessitate taking this step and it is automatically assumed they mishandled their affairs. This person raised her children alone and just did not have extra money in the bank for bills totaling over $150K. In that case, she was warranted in filing.
caused me to go severely in debt
that 10 years later I am still recovering from - was writing checks on charge accounts to pay mortgage - this was local and when I would go to her house to pick up and drop off tapes I was seeing boxes from QVC yet she said she wasn't getting paid. Still angry.
Has anyone disconnected the internal sound card and replace with another sound card?
I am having problems with my sound on one of my computers. Several different ExText program have been on it so I don't think it is the program and the sound is just now as clear as on my other computer. Has anyone switched (disconnected the internal sound care and replaced) to a new sound card? Did it make a difference.
Everyone on this board is so knowledgeable, I really appreciate you. You have helped me many times.
How? I've done pretty well staying out of debt, but
I'd like to get some money set aside for retirement and pay off my home. Any advice you can give?
If you have the time to get down and dirty with some low-life bad debt,
As for me, I live and learn. Ever hear the phrase cut your losses. The more time you spend chasing down a bad debt the more loss you incur.
Because it is hard work to collect and once you know a company is a bad debt,
Got to know when to hold them and know when to fold them. She already lost on doing the work. Now she loses doing the collection work.
I did. I never have regretted it. We filed 7, I beileve. All unsecured debt was wiped out. Kept my
xx
Wow what bank
did your son use?
I recently had my debit card number stolen when I was visiting in Toronto. My bank's fraud department called me within a day of the fraudulent charges. They had already denied 2 of them, and the one that did go through I was refunded every dime of. I guess I have a pretty good bank! (Wells Fargo).
The cop that I talked to when I filed a report said that they have one guy who does nothing but take the fraud calls every day, that is how many there are now. One poor little old lady had her entire account cleaned out, and on top of that the people somehow managed to SELL her HOUSE out from under her. I don't know exactly how they did that but she was not able to get it back, she was pretty much SOL. I guess it makes good sense to check to see how your bank deals with fraud and what the policy is on giving you back your money.
Also his advice was to get a shredder, and the kind that shreds both ways, and he told me that he even blocked out his address on his car registration. He says he never has anything in his car that has any personal info like that on it. I thought that was interesting and did not even know that was okay to do. But I guess if a cop is doing it it must be!
just called the bank and
Sure it is SS that is late and not your bank? They have to
build deposit files and it may be the banking system having problems.
Just trying to help.
Since your a former bank manager- how can I get
my credit score up? My husband and I want to buy a house with no down payment and the lender said that we need to get our credit score up 18 points to do this. How? He mentioned paying our credit cards down to almost a zero balance. What else can we do? And how fast could we do it?
Resume Bank.
http://resumes.mtstars.com
Hey former bank manager, what
does the "came way" mean? Is that a banking term?
Smile all the way to the bank!
nm
I would. My son got his job at the bank he believes by
hope it didn't get cut off.
If you bank with Wachovia they have/are
sending 400 call center jobs to India, which also means they have access to your financial information. I use a local credit union, but have a home equity loan with Wachovia and with that they gave us, checking, savings, credit, debit accounts. I have closed all but the home equity account so far and told them why. I'm currently in the process of shopping rates to open a new home equity loan too.
No telling how many more banks/credit card companies are doing the same.
Talk to your bank
With DD, your bank statement is proof that the company paid you or not. With checks or prepaid credit cards, if it's lost in the mail YOU have no proof it wasn't sent. If it gets screwed up in adding it to the card, YOU have no proof the MTSO is at fault and you have to fight with Visa.
The MTSO is correct in refusing to tell you which other MTs get Visa--they have a right to privacy.
The main problem I can see with Visa is that it's just inappropriate. You'll be forced to spend every penny you earn AND spend it at an establishment that takes Visa. How do you plan on saving? How do you plan to pay your insurance and other expenses? What if your children need $10 for school?
You also may be subjected to fees and/or expiration of the funds on the card.
Why don't you talk to your bank about the safety of direct deposit? Perhaps if they can calm any unfounded fears you have, you can be paid in a more appropriate manner.
Bank jobs
I have a good friend who is a bank branch manager. Tellers, etc. are entry level. She just hired my hairdresser!!!! Don't know about where you live but I think most bank jobs are entry level in the smaller banks at least.
I agree w/you, bank manager...
God is not a vindictive (sp?) God, He is a kind and loving God. This hurricane is simply nature, and nothing more, I'm sure...Would you bring your wrath down so hard on your own children for something they did that was wrong? Well, that's how God feels about us...His children, everyone of us. Even those who fight so hard to have Him removed from our lives...we are extremely blessed that God is so wonderful! 
Put it in the bank. 100 years of interest. Just think!
Give me a break!
I needed a good laugh, thanks for posting. Trust me, I'm only laughing at the sheer stupidity of issuing a check for one cent. You can't even rebel and send it back to them because you'd be out 36 cents.
Maybe you should frame it and label it, "My Big Bonus."
because the person used to be a bank manager
nm
I didn't think former bank managers
made any mistakes.
Take the money from your own bank account
I agree..The things *she* donates are from manufacturers that get a plug on her show or from the people who watch her show and donate to her Angel Network. Even when she donated cars, the people who got them had to pay the tax and registration on the cars, which came to a few thousand dollars each. These people could not even afford to buy new cars and they are gonna come up with a few thousand for taxes, etc.? Oprah is out of touch with the real world. I think Stedman Graham said it best on one of her shows, he told Oprah she was not nice. She seemed shocked and asked well, who is nice and he said Gayle King, her best friend. Oprah is pompous and acts like she thinks she is smarter and better than others..She isnt in my book. Come on, Oprah, how much of your billions are you gonna spend in your life time? Dont take the money from the public who watch your show..take it from your own bank account.
If you make enough of a fuss at your bank they
can, and will, release the funds back to you immediately. We bank at Commerce, and have had so many flubs with our debit card that we have 2 separate accounts - one just for the debit card with a limited balance in case it ever gets hit. But we have had lots of errors - ebay once hit the card for one of those burps at 1 cent for about a zillion times - other errors just like above, and I was told, too, that it had to take 3 days to release the hold. When I flipped out over it, it got released immediately. After all, it is our bank and we are the customer, right? Stick to your guns and you'll get your $$ instantly, if a mistake has been made that is verifiable.
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