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 Posted: Thu Oct 08, 2009 5:10 am
maenad nuri also keep this in mind -- just because you purchased it on Friday doesn't mean the purchase was settled on Friday. If you made it with a check card, it goes through a settlement processes. You can see this most readily with gas purchases. The pump charges $1, holds as much as they can (I saw a costco doing an authorization hold of $100 for a $17. So that $1 is what shows up in your pending until both, say Visa, who underwrites your check card and the vendor agree and settle for the $17. So yeah, keep a register. Don't run your debit as a credit, run it only with your pin. Electronic registers aren't automatic, we still have to wait for settlement, clearing, etc. That's what's really bothering me. We DO keep a register. We write down every purchase as soon as we make it. And I know about the gas pump thing, but I subtract the full ammount. If I'm subtracting my purchases, and the math is right, how am I supposed to know when it's coming out? My biggest issue is that they seam to expect me to "magically" know when every purchase is going to leave. And then just keep giving me this rote answer of "the biggest transaction leaves first" I get that, but really how am I supposed to keep my account balanced when I'm subtracting and adding as I make withdrawls and deposits and they're not reflecting it until days later after I make a big purchase? This is becoming a regular occurance. And this past weekend they're telling me that the paycheck I deposited on Saturday really doesn't count until Tuesday when I've made paycheck deposits on Saturday and gone and spent it with no issues for almost a year. At this point we've pretty much decided that hubby's check isn't even going to the bank at all, we're just gonna cash it and leave it at that.
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Posted: Thu Oct 08, 2009 5:28 am
Shearaha maenad nuri also keep this in mind -- just because you purchased it on Friday doesn't mean the purchase was settled on Friday. If you made it with a check card, it goes through a settlement processes. You can see this most readily with gas purchases. The pump charges $1, holds as much as they can (I saw a costco doing an authorization hold of $100 for a $17. So that $1 is what shows up in your pending until both, say Visa, who underwrites your check card and the vendor agree and settle for the $17. So yeah, keep a register. Don't run your debit as a credit, run it only with your pin. Electronic registers aren't automatic, we still have to wait for settlement, clearing, etc. That's what's really bothering me. We DO keep a register. We write down every purchase as soon as we make it. And I know about the gas pump thing, but I subtract the full ammount. If I'm subtracting my purchases, and the math is right, how am I supposed to know when it's coming out? My biggest issue is that they seam to expect me to "magically" know when every purchase is going to leave. And then just keep giving me this rote answer of "the biggest transaction leaves first" I get that, but really how am I supposed to keep my account balanced when I'm subtracting and adding as I make withdrawls and deposits and they're not reflecting it until days later after I make a big purchase? This is becoming a regular occurance. And this past weekend they're telling me that the paycheck I deposited on Saturday really doesn't count until Tuesday when I've made paycheck deposits on Saturday and gone and spent it with no issues for almost a year. At this point we've pretty much decided that hubby's check isn't even going to the bank at all, we're just gonna cash it and leave it at that. Check your funds availability policy, because I wouldn't bank with policies like that. With our bank, that deposit would come in most likely on Monday, not Tuesday (business days). Switch banks. It sucks, but this doesn't seem worth it.
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Posted: Thu Oct 08, 2009 6:24 am
maenad nuri Shearaha maenad nuri also keep this in mind -- just because you purchased it on Friday doesn't mean the purchase was settled on Friday. If you made it with a check card, it goes through a settlement processes. You can see this most readily with gas purchases. The pump charges $1, holds as much as they can (I saw a costco doing an authorization hold of $100 for a $17. So that $1 is what shows up in your pending until both, say Visa, who underwrites your check card and the vendor agree and settle for the $17. So yeah, keep a register. Don't run your debit as a credit, run it only with your pin. Electronic registers aren't automatic, we still have to wait for settlement, clearing, etc. That's what's really bothering me. We DO keep a register. We write down every purchase as soon as we make it. And I know about the gas pump thing, but I subtract the full ammount. If I'm subtracting my purchases, and the math is right, how am I supposed to know when it's coming out? My biggest issue is that they seam to expect me to "magically" know when every purchase is going to leave. And then just keep giving me this rote answer of "the biggest transaction leaves first" I get that, but really how am I supposed to keep my account balanced when I'm subtracting and adding as I make withdrawls and deposits and they're not reflecting it until days later after I make a big purchase? This is becoming a regular occurance. And this past weekend they're telling me that the paycheck I deposited on Saturday really doesn't count until Tuesday when I've made paycheck deposits on Saturday and gone and spent it with no issues for almost a year. At this point we've pretty much decided that hubby's check isn't even going to the bank at all, we're just gonna cash it and leave it at that. Check your funds availability policy, because I wouldn't bank with policies like that. With our bank, that deposit would come in most likely on Monday, not Tuesday (business days). Switch banks. It sucks, but this doesn't seem worth it. I was really upset, because if they have changed their policy then they should at least let their customers know in advance of the change. I think we're gonna try with them for a little longer, I was really happy with this bank until the last 6-8 months. This last month has been particularly rough, if it weren't for the fact that I have to have my check direct deposited I think we would just stop using them all together.
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Posted: Thu Oct 08, 2009 6:47 am
I....I'm too nice?
TOO NICE?
TOO ******** NICE?!?!
What the flying ******** are they giving people to smoke these days, and where the hell can I get some?
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Posted: Thu Oct 08, 2009 11:05 am
Cyrus the Elder I....I'm too nice? TOO NICE? TOO ******** NICE?!?!What the flying ******** are they giving people to smoke these days, and where the hell can I get some? 'Cause of the coffee. It was obvious. rofl
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Posted: Thu Oct 08, 2009 12:47 pm
maenad nuri Aino Ailill maenad nuri Don't run your debit as a credit, run it only with your pin. Electronic registers aren't automatic, we still have to wait for settlement, clearing, etc. Why run it only with pin? What is the difference? PIN runs it solely like a debit -- straight from your bank account. Running it as a "credit" means it goes through VISA, MC, whoever underwrites it, and will allow you to take more than the amount in your account out and overdraft, incurring fees. My bank told me to run it as credit, otherwise they charge a fee as if I'd used a not-my-bank ATM. Cyrus the Elder I....I'm too nice? TOO NICE? TOO ******** NICE?!?!What the flying ******** are they giving people to smoke these days, and where the hell can I get some? ...wow.
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Posted: Thu Oct 08, 2009 12:58 pm
Quote: My bank told me to run it as credit, otherwise they charge a fee as if I'd used a not-my-bank ATM. Depends on the bank. The one I use doesn't charge a fee, and the one I work at really doesn't (they even refund other banks ATM fees). Credit charges the merchant, debit hoists it upon the bank.
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Posted: Thu Oct 08, 2009 2:27 pm
Banks are financial institutions, they are profit driven. However, they are tightly bound by federal, state, and local laws, thus they often must use what is sometimes called legalese to serve their true purpose, which is to make money. as printing their own money is vastly illegal, they are reliant on the older than money method of gaining, making what is someone else's theirs. They exist to make money, specifically to make your money, their money. When you keep this in mind while you judiciously consider the bank's by-laws, statutes and fine print, while maintaining all pertinent legal restrictions in the fore of your thoughts, you may find a way to at least break mostly even. However, expect to put much effort into it. That banks have managed to make themselves so indispensable to our modern society troubles me on vast levels. Then again, realizing I am awake is fairly troubling for me, as well.
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Posted: Thu Oct 08, 2009 2:57 pm
Fiddlers Green Poe, one more question then, before I start ratcheting around with your response... Do you observe The Internet, Gaia, and/or this Forum to have their own distinct cultural identities? I am glad I can provide you with a bit of mental exercise. 3nodding The internet certainly does, Gaia is slowly working it's way towards one. This forum is more a blend of many different cultures together (because of all the cultures that are in this guild) so it's hard to really pinpoint any distinct overall culture for the guild.
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Posted: Thu Oct 08, 2009 2:58 pm
Cyrus the Elder I....I'm too nice? TOO NICE? TOO ******** NICE?!?!What the flying ******** are they giving people to smoke these days, and where the hell can I get some? ...wat?
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Posted: Thu Oct 08, 2009 3:14 pm
Recursive Paradox The internet certainly does, Gaia is slowly working it's way towards one. This forum is more a blend of many different cultures together (because of all the cultures that are in this guild) so it's hard to really pinpoint any distinct overall culture for the guild. To clarify... has the internet reached the level where applying our own cultural standards to it would be culturocentricism? You can see where this is going, of course, but I wish to gain further knowledge of the conditions for something being it's own valid culture and how it must interface with other cultures in this paradigm. I'm trying to establish the givens of cultural validity.
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Posted: Thu Oct 08, 2009 3:24 pm
Yes, I can be a jackass. And honestly, I don't like you. We're only "friends" because we have multitudes of friends between us. stare
EDIT: rolleyes
I just posted "take a train instead idiot". I didn't insult anything else. I could've insulted your ugly, planet killing car. I could've insulted what music you listen to. Yes, I was being a bit rude, but this group of friends is "rude" to each other all the time.
Apparently a small comment like that means you get to post what a "f** you are" all over my Facebook wall. And that you get to use a friend's account to get at me through messaging, even though I wasn't really planning on blocking or deleting you. ********. stressed
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Posted: Fri Oct 09, 2009 9:55 am
Wow that's petty.
I mean, seriously, do people really have nothing better to do?
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Posted: Fri Oct 09, 2009 9:57 am
Fiddlers Green Wow that's petty. I mean, seriously, do people really have nothing better to do? Most of the time, no.
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Posted: Fri Oct 09, 2009 9:59 am
What insignificant, sad lives they must lead. Is that what it feels like to be an extra in an ensemble cast show?
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