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I haven't used my card in an ATM machine for 6 months

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    I had ⏃ bit of trouble for ⏃ couple of years trying to use my visa card in the UK before the US started chipping them, something that I only imagine would have been harder if I didn't speak the language.

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      Originally posted by ad hoc View Post
      However quite a few places occasionally have times when "the card reader isn't working" (which usually means in truth "we'd like to hide today's transactions from the tax office")
      A cash-only small businessman (and, yes, I've heard all the snarky comments, and they were shit first time round) says:

      No, I reckon the card machine really was fucked. If you want to avoid paying tax, yet still offer card paymenr, you get several card machines. It's that simple.

      And if you don't accept cards, you get two tills.

      (For the record: I don't have two tills. I don't even have one till. I have a cash box. Everything I buy is bought with a card. Everything I sell is in cash. I like paying tax as much as anybody else does, but I also like sleeping soundly at night.)
      Last edited by treibeis; 04-05-2021, 22:22.

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        I've used cash twice recently: on one occasion to tip for a food delivery and on the other to pay a team of scaffolders.

        The sums of money were dissimilar.

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          Originally posted by Capybara View Post
          I don't know about Canada, but in the UK there is a limit on how much you can pay for by tapping.
          It's currently $250, up from $100 pre-Covid.

          Originally posted by ursus arctos View Post
          Chip and PIN is not at all universal, and that's before one gets to overseas transaction charges and limits
          Ah, OK. But you can check (some) local differences before you travel. For example I have a four digit Visa PIN, which used not to be accepted in the UK, (that might have changed now) so I use my six digit MasterCard. I've actually found Visa customer service very helpful on that score.

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            And that is more convenient than cash?

            I also find it annoying that I am expected to give card issuers advance notice of travel to minimise the likelihood that a charge will be declined as "unusual".

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              Originally posted by ursus arctos View Post
              And that is more convenient than cash?
              Sometimes. In the instance I mentioned it meant I could use ticket machines at Kings Cross station (and others I guess) which don't take cash. I've never had an instance where a cards been declined, though I know you're supposed to notify them. My SiL did have his card eaten by a bank machine, though I can't remember why exactly.

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                One of my Mastercard issuers always wants to know, in surprising detail, where I'm going and how I'm getting there. The other has a 'nah, we good' policy. Very odd.

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                  Originally posted by WOM View Post
                  Most confusing for me is the almost-simultaneous push for Chip and PIN, for security, and Tap, with virtually no security whatsoever.
                  It's only almost simultaneous because North America dragged its feet on chip and PIN for so long.

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                    Originally posted by WOM View Post
                    One of my Mastercard issuers always wants to know, in surprising detail, where I'm going and how I'm getting there. The other has a 'nah, we good' policy. Very odd.

                    Isn't Mastercard just Mastercard, whoever the issuer is? I really don't know, both my cards are issued by my bank and I've never had any trouble with either of them anywhere. Nor have they ever been anything but helpful, including — maybe especially — when I had my identity stolen.

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                      GY isn't wrong about that

                      And no, MasterCard is very much not just MasterCard, particularly in this respect. Different issuers/banks can and do have widely different policies.
                      Last edited by ursus arctos; 04-05-2021, 23:14.

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                        Right. One of them is a Big 5 bank MC and the other is an alternative / virtual bank MC.

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                          Mastercard is the merchant processor. They don't give two hoots whether it should be a transaction or not. They get paid by volume and the credit approval issuer based. Mastercard and Visa only get stuck with very specific types of fraud. The whole final drive to chip and pin was a day when the retailer would become responsible for any loss from card fraud when a transaction was not chip and pin compliant.

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                            Originally posted by ursus arctos View Post
                            And no, MasterCard is very much not just MasterCard, particularly in this respect. Different issuers/banks can and do have widely different policies.
                            Ah. That might explain a good deal.

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                              Originally posted by WOM View Post
                              Appreciate the feedback.
                              Take your sarcasm and your homphobic shit and shove them right up your fucking arse so hard they come out of your fucking mouth.

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                                I usually get at least some cash when I am abroad as I always assume they are handy for certain types of transactions, while I never have any when I am back home where I use my mobile phone for informal payments.

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                                  I have a few Euros hanging around I can take with me if I ever leave the country again. Would probably grab some local cash from an airport ATM if I was somewhere non-Eurozone yeah

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                                    Originally posted by TonTon View Post

                                    Take your sarcasm and your homphobic shit and shove them right up your fucking arse so hard they come out of your fucking mouth.
                                    I can only offer my sincerest apologies, TT. That wasn't what I thought I was doing and didn't realize it would be taken as such. I'm mortified and I'm sorry.

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                                      I took out ?100 at the start of the first lockdown and think I only got rid of it sometime through the last lockdown.

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