i wont pay interest!

[sarasquirrel]

so i haven't had any 'gems' lately, but today i got one...sorta

wasn't my customer but i got called up for help.

my CW, A, had rung up this lady and her son. and she wanted to pay debit. A, hits the charge button (which goes for either credit or debit) and from there the customer does their thing on their machine in front of them.

somehow it got to the point where it was about to go to credit.

then i get called up to see if i can fix it.
nope.

all any of us could do from the screen we had was press cancel. and that would just end the transaction and process it as a charge.

this woman wanted none of that "i will not pay interest!"

she puts the blame on us saying we don't know how to use our buttons on the register. honestly there was nothing i could do. and really, she mustve hit something wrong on her machine. my CW said the SC was hitting buttons on the screen and said "oops"

"in about 3 seconds im going to give it all up"
"isn't there anyone else who can figure this out, or is it only you"
"well this is the last time were shopping at <company>"

ok...so...you don't wanna pay interest i get it. but its not like you were paying a freakin million for you 40 something dollar purchase, and if you pay it back right away you have nothing to worry about. and good, go somewhere else and torture employees there, and maybe your kid will fall out of the carriage (the belt was barely restraining him)

[Summerfly413]

Well as far as I understand, if it's a debit card done as credit, it just takes a little longer to process, as opposed to debit, where it takes the money out right away. Kind of like a check.

And she could've returned and repurchased the items if she was so worried about it going through as credit

[sarasquirrel]

Well as far as I understand, if it's a debit card done as credit, it just takes a little longer to process, as opposed to debit, where it takes the money out right away. Kind of like a check.

And she could've returned and repurchased the items if she was so worried about it going through as credit

i offered her that option, but she said it wouldn't work.

[simplyanother]

Ugh, our registers have one button for credit/debit. It says CHARGE! Lots of times, a customer will want to do debit, but for some reason unknown to me (and anyone else at my store) it'll go through as credit. I have no idea why.

Customer slides their card, I press my lovely button.

They go "it's debit!"

I say "I don't give a flying..." or "okay, it should ask for your PIN...."

then it goes through as credit....
"BUT I WAAAAAAAAAAAAAAANTED to do DEBIT!!!!"

Same people freak out because when you hit "clear" or "cancel" (whatever the red button says..., I can't remember)... it cancels. I know in MOST places you hit clear to do credit, but we're special and you hit the green button.

It is annoying. But out of my control. Honest!

[mikoyan29]

I saw a sign at a store somewhere. Up to a certain point, it's cheaper as credit, after that it's cheaper as debit because it's a flat fee. For the consumer, it doesn't matter how it's punched in. Either way gets sucked out of your checking account.

[SG15Z]

Ugh, our registers have one button for credit/debit. It says CHARGE! Lots of times, a customer will want to do debit, but for some reason unknown to me (and anyone else at my store) it'll go through as credit. I have no idea why.

Customer slides their card, I press my lovely button.

They go "it's debit!"

I say "I don't give a flying..." or "okay, it should ask for your PIN...."

then it goes through as credit....
"BUT I WAAAAAAAAAAAAAAANTED to do DEBIT!!!!"

Same people freak out because when you hit "clear" or "cancel" (whatever the red button says..., I can't remember)... it cancels. I know in MOST places you hit clear to do credit, but we're special and you hit the green button.

It is annoying. But out of my control. Honest!

Same here! People just never read. It says on the pinpad to "Enter Pin, or press Enter for Credit", but silly us for expecting customers to read.

[sarasquirrel]

what almost everyone in our store gets on a daily basis

"i don't want cash back!!!"

then why did you hit yes?

really. it takes 2 seconds to read the screen. makes me thing about what else they agree to without reading.

simple to fix. when it asks for how much, hit other, then cancel. yay! we fixed your stoopid for the time being.

[Blade_Raver]

It's not interest, it's sales tax!

The only way you'll end up paying interest is if you don't pay your credit card off by the end of the month!

[friendofjimmyk]

Wait...wait...wait...

She was using a credit/debit card? Where she could choose to use it as a credit or debit card?

Okay...my bank...even if I use it as credit as opposed to debit...I don't get charged interest. The money is taken from my checking account if I choose either credit or debit. No interest. Only actual credit cards can charge you interest on the purchase. Not a credit/debit card. The difference with my bank is if I choose debit...I enter my pin and that serves as my signature and permits me to get cash back if I so choose. It also pulls the amount out of my account almost instantly.

If I choose credit, I sign for the purchase like a credit card, I don't get charged interest because its taken out of my checking account in like three days or something.

Am I wrong? Is my bank the only one that does it this way?

[sarasquirrel]

Wait...wait...wait...

She was using a credit/debit card? Where she could choose to use it as a credit or debit card?

Okay...my bank...even if I use it as credit as opposed to debit...I don't get charged interest. The money is taken from my checking account if I choose either credit or debit. No interest. Only actual credit cards can charge you interest on the purchase. Not a credit/debit card. The difference with my bank is if I choose debit...I enter my pin and that serves as my signature and permits me to get cash back if I so choose. It also pulls the amount out of my account almost instantly.

If I choose credit, I sign for the purchase like a credit card, I don't get charged interest because its taken out of my checking account in like three days or something.

Am I wrong? Is my bank the only one that does it this way?

no you're probably right. im not sure exactly what card she had i didnt see it, and she didn't say what bank she had

my card says debit, comes out of my checking, but i have to use it as credit. even though i got a pin it never works. but there no interest, well because it comes out of my account, its my money, not money i borrow. (webster heehee)

woman was crazy

[Chazzie]

I only recently just found OUT what Debit and Credit means. it was never properly explained to me.

Yesterday at work, I explained it to a woman who looked to be in her late 50s.

I think it's more a problem of people assuming they know something when they don't.