Vermonster wrote:t"]Do euro cards let folks get cash out as cash advance and charge them as such?
Because right now i know every credit card I have has the capability to place a pin on it but it would be for cash advances which I don't have an interest in and don't see so in the future.
So it would be tricky to see if they can keep that aspect on it and make it a chip and pin card or if the former has to go away or what
Well the only way to get cash out would be at an ATM so it would know if it was for a purchase or cash advance.[/quote]
I don't think you're getting it but that's okay, probably me than you, I tend to talk in a way that most can't easily comprehend unless they read it word for word even though I limit the vocabulary level to that of a third grader.
There are terminals that will allow you to pay debit for purchases rather than credit, which also applies to self swipe POS systems stores/chains/merchants use to let folks check out.
So people can buy something with their debit card and enter their pin rather than hitting cancel and signing for the purchase.
They can also choose to get cash back if they don't see an ATM of their institution around and only want a twenty or two (I have seen terminals give me back upwards to 100, it really just depends on the merchant) and avoid non-their-institution ATM usage withdrawal fees.
So yes, to dunk your saying, you can get cash outside an ATM.
And even if that wasn't so, folks again can pay with debit and enter a pin. I remember eons ago when I was in HS, all I had was a bank card without a visa logo mind you, or mc, and was able to pin in my purchase at a terminal in an urban outfitters store.[/quote]
If you find that people aren't understanding you on a regular basis than perhaps it is not the fault of strangers. Lets be honest, you could stand to put a little more effort into the grammar of your posts. But, let me reword what I said to make it more clear for you.
The only way for a credit card to give a cash advance is to go to an ATM. There is one exception to this rule and that is Discover, but not at every merchant. Which is why from your experience you can do it "with a credit card." You can not, as you say "pay debit" with a credit card, even if you chose "debit" on the machine prior to swiping a credit card. So there is no way for most credit cards, at most merchants, to get cash back.[/quote]
What is it that they say about exceptions? That saying..
Fact is that you can swipe your cc at a terminal that is not an atm and get cash back.
Obviously you get it, that that is going to count as a cash advance.
In general, how many folks will know really? I can say because I work with folks day in and out that a good portion of them will get cashback and not realize it counts as a cash advance because it's not CREDIT/DEBIT buttons that simply pop up when swiping the discover card
But a simple question, do you want cash back, yes or no.
Btw, if you knew that discover was the exception you would have said most since your grammar is so awesome.
And I'm guessing if you didn't know that, thatmeans most likely you don't know if discover is the only exception.
I'm guessing you're one of those folks who know 40%, educate guess the 50% from common sense and reading online and 10% of fake it till you make it