Longshadow Loc: Audubon, PA, United States

Ya think?
Talk about a cost adder.....

BebuLamar

I asked them and they said no. They would accept the check. I wanted to paid by credit card only because I don't put a lot of money in the checking account. So I would have to transfer money from the saving account that would take some time. They happily agreed not to cash the check for a week but not accept the credit card.

Longshadow Loc: Audubon, PA, United States

Yea, I have to transfer money also in that case for the same reason.

AzPicLady Loc: Behind the camera!

I do art shows, and I take credit cards. But, on my small items, it costs nearly half the price of the item to run a card. When someone pulls out a CC to pay for a $1.00 item, I simply have to say no. Losing the sale is better than losing money! And yes, the percentages get pretty high on big ticket items. Accepting CC is a costly expense for companies that I totally understand. (It doesn't keep me from paying for nearly everything with my card, though!)

TonyP Loc: New Zealand

I am amazed.
Yes, still have cash. But during the early stage of Covid, like in the first 3-4 months before the World really knew what we were dealing with, cash was no longer King. A number of shops weren’t accepting cash. Only credit cards or Paywave.
One rarely sees younger people paying for anything with cash these days. They just wave their cell phone at the scanner, all done.

Longshadow Loc: Audubon, PA, United States

I'm not sure what percentage of the little Ma & Pa stores here take credit cards, it might be higher than I think. Yes, during Covid most stores preferred cards, that could accept them.

I know I'm purchasing more and more with a card compared to years ago.
I don't carry much cash on me anymore.

DirtFarmer Loc: Escaped from the NYC area, back to MA

I try not to do a lot of financial stuff with my phone. I don't view my phone as secure because I can misplace it so easily. And it can fall out of my pocket so easily.

In the '80s I moved to MA and set up a checking account at a local bank. Started with check 100. About 33 years later, the bank had been bought 3 times but I still had the same checking account number and the check numbers formed an unbroken series. Don't recall just what the last one was but it was around #8000. The bank I was using started to charge fees for everything so I went to a Credit Union so that was the end of that old check series. So back then I was writing around 250 checks per year, 20 per month.

I'm now living in another state. I set up a bank account 5 years ago when I moved here and started again at check #100. I'm now at check #150. 50 checks in 5 years. The rate has slowed significantly. I used to pay my credit cards with checks so I had a record. Now the bank issues my cards so it's an internal transfer. A card that I have had for 40 years is not from that bank so that card gets paid by having the bank send a payment to the issuer. In that case it takes 3 days. But no stamp or travel. My dentist takes bank transfers. Most transactions now are either bank transfers or credit cards. In the old days nobody wanted to take a credit card for transactions less than about $10 because of the service fees. Now parking meters take credit cards (of course they don't want nickels any more). I used to have a coin sorting bank and I would empty my pockets every couple days and roll the coins. It was nice having rolls of quarters to put in the car for tolls. Now the tolls are taken care of wirelessly (and by pre-payment) and it is rare that I have coins in my pocket. Maybe twice a month.

Credit cards are now king. Checks are on their way out. Cash is still used but not much. I keep some in my wallet, but it sits there for months. But that does NOT mean that I haven't spent it.

I still use checks for my town taxes because the town charges for bank transfers. And the Town Hall is pretty much on the way to the gym where I have to go to keep things moving so my joints don't lock up.

TonyP Loc: New Zealand

I should have mentioned:
What you call the little Ma and Pa stores here all have the ability to take ‘cards’, but if you select the credit option you are usually charged the credit card fee of 2-4% that the banks charge the vendor. You can still use the card with no fee by having the cost deducted immediately from a nominated account. Just not pay later credit.
Having said that, none of my grand children have credit cards. They all use PayWave.
My prediction is the Credit Card will eventually phase out and be replaced by a version of PayWave.

Longshadow Loc: Audubon, PA, United States

tairving Loc: Magnolia, Texas USA

Curiously, the link you provided, to Staples, lists the pen as "fraud resistant" while A***zon lists the same pen as "fraud proof".

Longshadow Loc: Audubon, PA, United States

Semantics?

Maybe with currently used wash methods?

BebuLamar

However, at the Uniball website they don't say it's fraud resistant of fraud proof. They only said it's water and fade resistant.

Longshadow Loc: Audubon, PA, United States

Longshadow Loc: Audubon, PA, United States

Also on their site under FAQ:

"
Fraud Prevention
Which pens help prevent document fraud?

Many uniball pens, including the uniball 207, protect against water, fading, and fraud. They contain pigment-based ink that forms an indelible bond in paper and resists criminal check washing. Any uni-ball pen with Super Ink™ is archival quality and perfect for any writing that needs to stay put.
"

Guess I'm good.....