Cash

[Buzzer777]

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In crime ridden areas of the USA, many vendors refuse to take cash due to constant threats of robberies. That causes major problems for residents in the poorer areas that can't get a CC.

For me, not taking cash will cause me to look other somewhere else for what I want. CCs are an easy way to track your habits; and I don't like being tracked by anyone. (I'm a child of the 60s)

ie: I use a single card for all online grocery purchases where my address, phone number, etc., are known by the vendor.
When I go to the store in person and pay with the same card, the items that I buy show up in my purchase history online, so they must be cross referencing.
This information is used to for targeted ads when I return to shop online. I bet they also sell the information to 3rd parties.

 

[JudyN]

The only place I pay cash is at the local (legal, licensed) pot store .

I'd swap both my greengrocers for a local legal pot shop

 

[Buzzer777]

I'd swap both my greengrocers for a local legal pot shop

I take both cash and CCs.........
(having/growing is legal here, but not selling......LOL)

 

[ForestWomble]

Interesting! I've been noticing the opposite here (in the US). If you pay with a card they add a "service fee" but if you pay in cash it's a slight discount. In other words lots of establishments seem to prefer cash. I've noticed it a lot with restaurants in Charleston which can be a big tourist area. I've found myself carrying more cash than usual. I notice younger generation tend to just have their phone, put their cards on their phone and pay with the phone, don't even carry a wallet anymore!

iHaving their cards on their phone and not having any other means to pay for things I think is crazy. Only takes you loosing your phone and your in a bit of a pickle.

 

[Linz1012]

iHaving their cards on their phone and not having any other means to pay for things I think is crazy. Only takes you loosing your phone and your in a bit of a pickle.

Exactly! I'm behind the times and still use my debit card or cash to pay anyway.

 

[JoanneF]

Only takes you loosing your phone and your in a bit of a pickle.

That's exactly why the implanted chip is gaining traction.

You have it implanted in somewhere like a finger (maybe not one you use all the time or you'd risk paying for somebody else's shopping every time you pick up a payment terminal) and you pre-load it from an app. That means it doesn't have access to your full bank account so there's no incentive for criminals to kidnap you and cut off your body parts ( )

You just load it with, say, £50, then work through it.

 

[ForestWomble]

Exactly! I'm behind the times and still use my debit card or cash to pay anyway.

Me too.

That's exactly why the implanted chip is gaining traction.

You have it implanted in somewhere like a finger (maybe not one you use all the time or you'd risk paying for somebody else's shopping every time you pick up a payment terminal) and you pre-load it from an app. That means it doesn't have access to your full bank account so there's no incentive for criminals to kidnap you and cut off your body parts ( )

You just load it with, say, £50, then work through it.

It's not something I've heard about before, but must say it doesn't appeal to me.

 

[Buzzer777]

That's exactly why the implanted chip is gaining traction.

You have it implanted in somewhere like a finger (maybe not one you use all the time or you'd risk paying for somebody else's shopping every time you pick up a payment terminal) and you pre-load it from an app. That means it doesn't have access to your full bank account so there's no incentive for criminals to kidnap you and cut off your body parts ( )

You just load it with, say, £50, then work through it.

Hard pass!
George Orwell would be turning in his grave!

 

[Lurcherlad2]

Exactly! I'm behind the times and still use my debit card or cash to pay anyway.

I was told by an ex Fraud Squad Cop that using a phone for payments is safer than a physical card.

I pay by phone for most things … via cards in the Wallet.

 

[JoanneF]

Hard pass!
George Orwell would be turning in his grave!

I reckon 'they' probably already know a lot more about me than how much cash I might have loaded onto a payment chip, and where or how I'm spending it. If you carry a phone, and most people do even if some avoid it, that probably gives the watchers as much info as they want.

I doubt I'm that interesting anyway.

 

[Buzzer777]

One of my CC companies offers a virtual card, in place of carrying a physical card. "new fangled" things are always safe....UNTIL THEY AREN'T!

 

[ForestWomble]

I was told by an ex Fraud Squad Cop that using a phone for payments is safer than a physical card.

I pay by phone for most things … via cards in the Wallet.

That's interesting, not what I would of expected.

 

[Lurcherlad2]

That's interesting, not what I would of expected.

I can’t remember why though!

Think it was because on the phone, there is a pass key, finger print or facial recognition required to access everything.

If someone has your card, they can tap it to spend immediately.

I think it’s possible to get cash from an ATM via a call to your bank if you lose either phone or card. Obviously some security questions to answer, etc. but saw an ad for it on tv.

Also, apparently a credit card is safer than a debit card as it doesn’t give access to your bank account…

 

[Kaily]

One of my local Garden Centres went cashless after covid. They must of got a fair few complaints as they put this on their website

We are a CASHLESS retailer. Accepted payment metohds: credit / debit cards (contactless or otherwise), Gift vouchers & voucher cards, Apple or Android Pay (Free WIFI available).

In the UK it is not illegal for businesses to refuse cash as payment and, in the same breath, it’s not illegal for them to refuse card payments, either. See what The Bank of Engand say here:

Can't post the link as I'm too new!

 

[willowtigger]

One of my local Garden Centres went cashless after covid. They must of got a fair few complaints as they put this on their website

We are a CASHLESS retailer. Accepted payment metohds: credit / debit cards (contactless or otherwise), Gift vouchers & voucher cards, Apple or Android Pay (Free WIFI available).

In the UK it is not illegal for businesses to refuse cash as payment and, in the same breath, it’s not illegal for them to refuse card payments, either. See what The Bank of Engand say here:

Can't post the link as I'm too new!

I thought businesses had to accept cash, as its legal tender, idk

 

[JudyN]

I thought businesses had to accept cash, as its legal tender, idk

No, legally they can refuse to take cash. In fact they can refuse to sell to you at all unless they do so because of a protected characteristic such as race or disability.

 

[Dibbythedog]

Went into a charity shop today. If you use a card it cost £1 !

 

[excuseme]

Well, I wouldn't go there again !

 

[Lurcherlad2]

Hmm …

This, from Gov.uk suggests charges aren’t legal …

Quote
Hidden charges for paying with a debit or credit card will be banned from today (13 January), helping millions of UK consumers to avoid rip-off fees when spending their hard-earned money.

So-called ‘surcharging’ has become commonplace, particularly online, with many retailers hitting people with surprise charges just before they are about to make a purchase. Some retailers have been known to add charges which are far higher than it costs them to process a payment. It is estimated that surcharging cost Brits £166 million in 2015.

Today’s ban means that it will be unlawful for retailers to charge additional fees when someone uses a particular credit or debit card, or other payment systems like PayPal, to make a purchase. This will ensure consumers can be confident that there won’t be any nasty surprises, and they won’t be penalised for wanting to pay in a particular way.

Economic Secretary to the Treasury, John Glen said:

The ban on credit and debit card surcharges is effective across the EU from Saturday 13th January 2018, and will apply to all purchases made where the banks of the consumer and retailer are within the EEA. In the vast majority of other circumstances surcharges are capped at the cost to the retailer for processing the payment. The UK Government took the decision to also include other payment methods such as PayPal in the ban to further protect consumers.
Unquote

 

[Kaily]

Maybe charity shops get away with it because it is for charity, I wouldn't be happy paying it on principle.