Do you carry money at all times?

EmBleve

81 wrote:

time for a new gas station or bank...i typically show a $1 pre charge before the full amount clears...i've never seen a 40 hold on my account for gas....but i only stop when i am below a 1/4 tank or gas prices are jumping and i have less than 3/4's.

Yeah, and get this--last year it was $1.50. Then one day I got gas (like $26, I think to be exact), and I look online and see this $38 charge..I called the bank and they said the $1.50 fee went up to $38 and it's for 3 days regardless--the actual amount of purchase doesn't show up for those 3 days. It makes no sense to me--my boss is the one who told me it's so the bank can make the interest off all the people using their debit cards.

Wobbie

ALWAYS carry money....you people who hold up the line with your checks and CCs piss me off

81

EmBleve wrote:

81 wrote:

time for a new gas station or bank...i typically show a $1 pre charge before the full amount clears...i've never seen a 40 hold on my account for gas....but i only stop when i am below a 1/4 tank or gas prices are jumping and i have less than 3/4's.

Yeah, and get this--last year it was $1.50. Then one day I got gas (like $26, I think to be exact), and I look online and see this $38 charge..I called the bank and they said the $1.50 fee went up to $38 and it's for 3 days regardless--the actual amount of purchase doesn't show up for those 3 days. It makes no sense to me--my boss is the one who told me it's so the bank can make the interest off all the people using their debit cards.

it's so they can protect themselves....but to charge you 38 bucks to trasfer a few bucks...nutty.

pjhawks

yes. and i don't feel comfortable unless i have at least $40 on me. just for an emergency cash is important. everywhere and everyone takes cash.

81

imalive wrote:

ALWAYS carry money....you people who hold up the line with your checks and CCs piss me off

but that's how i get my cash. i don't have an atm for my CU within 250 miles of my place...unless i do shared banking. it's just so easy to grab 100 bucks at the store vs. driving out of my way to visit a CU.

EmBleve

Indifference71 wrote:

81 wrote:

BabaBooey1979 wrote:

My ol lady is a hair dresser/stylist and we always have cash because of it.

I hate checks. Especially when people use them in the express checkout line at the grocery store

or the self check out line. :roll:

I hate when people write a check at any type of store.

:( It is annoying, yes, and I rarely use checks unless I mail in a payment or something, but my dad is old school and writes checks. I hope nobody is behind him in lines talking sh^t about him.

Indifference71

pjhawks wrote:

yes. and i don't feel comfortable unless i have at least $40 on me. just for an emergency cash is important. everywhere and everyone takes cash.

I need to start doing this. My dad is always telling me I'm an idiot because I never carry cash.

Indifference71

81 wrote:

as long as they fill in the pay to and sign it before they get the total, i'm ok with it.

if it's a big purchase (over 1K) it's easier for me to write a check. my CU limits my debit card to 1K unless i call them first to have it adjusted. learned that lesson the hard way.

True. I just hate when someone is told what their total is and then reaches into their purse or pocket and pulls out the checkbook.....those people qualify for the ratfuck thread.

EmBleve

81 wrote:

EmBleve wrote:

81 wrote:

time for a new gas station or bank...i typically show a $1 pre charge before the full amount clears...i've never seen a 40 hold on my account for gas....but i only stop when i am below a 1/4 tank or gas prices are jumping and i have less than 3/4's.

Yeah, and get this--last year it was $1.50. Then one day I got gas (like $26, I think to be exact), and I look online and see this $38 charge..I called the bank and they said the $1.50 fee went up to $38 and it's for 3 days regardless--the actual amount of purchase doesn't show up for those 3 days. It makes no sense to me--my boss is the one who told me it's so the bank can make the interest off all the people using their debit cards.

it's so they can protect themselves....but to charge you 38 bucks to trasfer a few bucks...nutty.

eeps...no, no...it's only a few bucks for an overdraft transfer from savings to checkings...that $38 hold seems to only be for using a debit card at a gas pump. But I guess technically if you only had $40 in your bank account, you could get $75 in gas and have 3 days to deposit some money to cover it.

neilybabes86

i only use money..no debit shit

people use a card for coffee and a bagel :roll: wtf

eveyone should have a few actually dollars in their pocket for emergencies

81

Indifference71 wrote:

pjhawks wrote:

yes. and i don't feel comfortable unless i have at least $40 on me. just for an emergency cash is important. everywhere and everyone takes cash.

I need to start doing this. My dad is always telling me I'm an idiot because I never carry cash.

i used to work with a guy that always kept a special 20 in his wallet....he also always knew down to the penny how much cash he had on him at all times.

Given to...

imalive wrote:

ALWAYS carry money....you people who hold up the line with your checks and CCs piss me off

BUT,

Carry exact change please! No, just drop enough to cover it and walk away! I have been utterly amazed at some folks counting the change I just gave them and/or figuring out how to give me back my change.

And don't even think about handing over $20.75 for a purchase worth $19.75 so you can offload some change for a crisp dollar bill! :crazy:

81

neilybabes86 wrote:

i only use money..no debit shit

people use a card for coffee and a bagel :roll: wtf

eveyone should have a few actually dollars in their pocket for emergencies

i bought a 50 cent newspaper with a card once....didn't even have change in the truck.

81

Given to... wrote:

imalive wrote:

ALWAYS carry money....you people who hold up the line with your checks and CCs piss me off

BUT,

Carry exact change please! No, just drop enough to cover it and walk away! I have been utterly amazed at some folks counting the change I just gave them and/or figuring out how to give me back my change.

And don't even think about handing over $20.75 for a purchase worth $19.75 so you can offload some change for a crisp dollar bill! :crazy:

i fuckin hate change purse diggers. just give them 20 and let the cashier make change. they are trained to do it, and have quick easy assess to each coin, where as you are going to spend 5 minutes trying to dig thru your pile of change to find a 2 dimes, a nickle and 3 pennies.


take your change, toss it in a bucket, and once a year take it to the bank....and reap your reward.

neilybabes86

don't even get me started on people who go to an atm and take out $20


good god grab a hundy at least

F Me In The Brain

Typically have 50-60 bucks in cash on me, have a large amount in the safe at home for who-knows-what, and never carry checks. I write a check about once every few months. Put everything I can on my AmEx for points and when they dont take AmEx I use my debit card.

Tolls are an epic pain in the ass - I hate when you put in a 5 and get back 2-3 dollar coins.

neilybabes86

81 wrote:

Given to... wrote:

imalive wrote:

ALWAYS carry money....you people who hold up the line with your checks and CCs piss me off

BUT,

Carry exact change please! No, just drop enough to cover it and walk away! I have been utterly amazed at some folks counting the change I just gave them and/or figuring out how to give me back my change.

And don't even think about handing over $20.75 for a purchase worth $19.75 so you can offload some change for a crisp dollar bill! :crazy:

i fuckin hate change purse diggers. just give them 20 and let the cashier make change. they are trained to do it, and have quick easy assess to each coin, where as you are going to spend 5 minutes trying to dig thru your pile of change to find a 2 dimes, a nickle and 3 pennies.


take your change, toss it in a bucket, and once a year take it to the bank....and reap your reward.

i started this about 2 years ago..TD bank is great with their machines ...i will also throw in a 10 or 20 to round off the change
got almost $1500 in 2 years ...just letting it stay in there till i die and my kids get it

maj4e

Run your debit card as credit at the gas pump and usually there's no hold.

maj4e

neilybabes86 wrote:

don't even get me started on people who go to an atm and take out $20


good god grab a hundy at least

What's the difference? I only spend 20 or less a week in cash and it's not like the atm is faster for 100.

lukin2006

Checks...are people serious ? I do not know of any stores that accept these now. I don't remember the last time I wrote a check. I carry cash...and hate it when people hold others up paying debit for a coffee :roll: .