Can a store choose which type of cards they accept for payment?

For just about anything you want to get off your chest about credit cards.
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Gamma
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Postby Gamma » Sun Feb 17, 2013 7:27 pm

Calipso wrote:You handled it far better than me. I think spelling out "D-E-B-I-T" to him and calling him a moron and walking out would have sufficed. What do I know though?

That's funny lol.

s.jessica wrote:By the way, I tossed out that stupid Bluebird card. When I told my story some of my friends ripped me a new one for even getting it as it's really aimed at the subprime folks who can't get a checking account. They should really print a warning on the box. Who knew?

After what I heard, I wanted to crawl under a rock and die when someone saw me using it. The card just screams prepaid too much for my liking and I'm sure people are whispering, "look at the deadbeat with the prepaid card." Okay the idea was good, but you are combining Amex with Wal*Mart....you know "I need to go to Wal*Mart but can't find my pajamas." Yeah, that store.

Prepaid cards aren't all that bad. People may choose to have them over checking accounts because they may not meet the criteria to avoid the monthly fees. I have a BlueBird and that card is bringing me some nice chunk of change with the vanilla method. I also have accounts with BoA and Chase.

Also what 432521 said!


DavidNY
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Postby DavidNY » Sun Feb 17, 2013 7:35 pm

Bluebird is one of the best prepaid cards out there.

Get some friends who care more about you than the plastic in your pocket.

Gamma
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Postby Gamma » Sun Feb 17, 2013 7:40 pm

Never mind.

DavidNY
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Postby DavidNY » Sun Feb 17, 2013 7:44 pm

Gamma wrote:I have a BlueBird and that card is bringing me some nice chunk of change with the vanilla method.


Where are you finding VR cards? They are rare around here.

Gamma
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Postby Gamma » Sun Feb 17, 2013 7:48 pm

DavidNY wrote:Where are you finding VR cards? They are rare around here.

I find them at cvs. Took me 3 cvs stores before I found one that has a self check out to purchase them myself.

DavidNY
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Postby DavidNY » Sun Feb 17, 2013 8:20 pm

Gamma wrote:I find them at cvs.


A drugstore? Which card do you use?

s.jessica
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Postby s.jessica » Sun Feb 17, 2013 9:06 pm

So you get points for using VR on Bluebird? What kind of points? I'll have to see if I can get a replacement card. I know Kmart just down the street has them, just never wanted to spend the money on them since I can cash load for free at the big W.

It's a long story, I wasn't getting enough credit and I didn't want a debit card on my main checking account because I didn't feel safe, so I opened and account with ING Direct. Next thing I know they are changing and I started having problems, so I decided to get and online account from BofA, I really liked how I could deposit checks with my phone but I wasn't close to a branch or ATM so everyone said it was a stupid idea because the only way I could add funds was to write a check to myself, so I closed it and got the Bluebird card. I went and opened an account with Ally, then now I get a letter that my ING Direct account has been switched over to Capital One 360 and they sent me a new debit card.

My parents always taught me one credit card and never use debit cards because someone could use them to drain everything in your bank account. My employer doesn't want anyone coming to work with valuables or large amounts of cash because we've had incidents where personal property was stolen and our vending machines take debit/credit cards.

Gamma
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Postby Gamma » Sun Feb 17, 2013 9:30 pm

DavidNY wrote:A drugstore? Which card do you use?

I'm using chase right now for their drugstore category. Just need one more 500 VR card to finish the quarterly cap. I plan on getting the Chase Ink Plus later on for the office supply store purchases in Office Max for more VR points.

s.jessica wrote:So you get points for using VR on Bluebird? What kind of points? I'll have to see if I can get a replacement card. I know Kmart just down the street has them, just never wanted to spend the money on them since I can cash load for free at the big W.

It's a long story, I wasn't getting enough credit and I didn't want a debit card on my main checking account because I didn't feel safe, so I opened and account with ING Direct. Next thing I know they are changing and I started having problems, so I decided to get and online account from BofA, I really liked how I could deposit checks with my phone but I wasn't close to a branch or ATM so everyone said it was a stupid idea because the only way I could add funds was to write a check to myself, so I closed it and got the Bluebird card. I went and opened an account with Ally, then now I get a letter that my ING Direct account has been switched over to Capital One 360 and they sent me a new debit card.

My parents always taught me one credit card and never use debit cards because someone could use them to drain everything in your bank account. My employer doesn't want anyone coming to work with valuables or large amounts of cash because we've had incidents where personal property was stolen and our vending machines take debit/credit cards.

You get points for purchasing them with a credit card. Most stores won't accept credit card to purchase them, but some stores will. You get points purchasing them with credit card, then you load the funds in BlueBird, and done! I use mines to pay bills I can't pay with credit card.

DavidNY
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Postby DavidNY » Sun Feb 17, 2013 10:10 pm

Gamma wrote:I'm using chase right now for their drugstore category. Just need one more 500 VR card to finish the quarterly cap. I plan on getting the Chase Ink Plus later on for the office supply store purchases in Office Max for more VR points.


Cool. I maxed out my Freedom a while ago at the drug store. As for Ink, OD was selling the VR cards but not now. I will check out Office Max.

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Postby MemberSince99 » Sun Feb 17, 2013 10:17 pm

You are wise to avoid using a DEBIT card though, for security reasons, not for vanity reasons. I really couldn't care less if some dipstick at the counter of the local fast food joint isn't impressed with how I pay - I'm not terribly impressed with their employment either, but who cares? A job is a job, and a dollar is a dollar.

That aside, it's a very good idea to avoid the debit card as thieves can drain your account. With a credit card they are just hitting your credit limit, and not your bank account. It's a lot better situation to deal with as you can report the card stolen, lose little if any money and get a new card and number sent out to you pretty quickly. When your bank account gets robbed, let's be honest here - the bank has the incentive to not want to eat that loss, they are better off if worse comes to worse if YOU eat that loss, and thus I've always felt like they won't be fighting quite as hard for YOUR money from your bank account as they will for THEIR money from a credit card. Of course that varies by lender, but it's just the nature of the beast, and you are much better protected with credit cards. And one card may have been fine back in the old days but if you care about score 2 or 3 is optimal for that, and also gives you a backup just in case there is a problem with one card.



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