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-   -   Why do stores still take checks (https://www.thehulltruth.com/dockside-chat/596425-why-do-stores-still-take-checks.html)

Design59 06-11-2014 03:16 PM


Originally Posted by WPBTH (Post 6801694)
I just assume people who were writing checks, were "floating funds" until pay day. ;?

Not all of them.

I have an Aunt who could buy and sell most of us out of petty cash . . . who won't use a debit card. Will only pay by cash or check. I think I have seen her use a credit card once in the last five years.

I think most of it has to do with her Libertarian / Anti-Gubmint husband who is convinced that if they use plastic their every move will be tracked, someone will get it and steal their money, and the gubmint boogyman will come and steal the cat.

Yes, sometimes I am annoyed being in line behind someone like this . . . . but then reality sets in, and I remember life is too short to get twisted over stupid stuff, and since most of the time it is an old person, I figure they have put in the time on this earth that allows them a little extra time and respect.

Shag 06-11-2014 03:26 PM


Originally Posted by Ifishalot (Post 6802254)
I agree with the process fee explanation, more profit for the store.

FYI: I am 44 years old and have never in my life written a check. True story.

I guess I'm on the flip side. 50's and have never used a debit card or ATM. Still send checks to pay bills and cash for in person purchases.

Dulcecita Lures 06-11-2014 03:27 PM


Originally Posted by Design59 (Post 6803070)
Yes, sometimes I am annoyed being in line behind someone like this . . . . but then reality sets in, and I remember life is too short to get twisted over stupid stuff, and since most of the time it is an old person, I figure they have put in the time on this earth that allows them a little extra time and respect.

Well said, I agree. I'm always amazed with those that get so frustrated with old people, not realizing that within a few blinks of an eye it seems, there before the grace of god go I.

I always flirt with the old gals. Tell 'em how nice they look today, some other compliment. And more than once, I've had them flirt right back!

Now, imagine how impatient your kid's kids are going to be with us swiping a debit/credit card and entering a PIN when they've all got chips implanted or biometric eyeball scanners as their payment methods! :rofl: :rofl: :rofl:

fish factory 06-11-2014 03:32 PM


Originally Posted by Shag (Post 6803100)
I guess I'm on the flip side. 50's and have never used a debit card or ATM. Still send checks to pay bills and cash for in person purchases.

Retailers should have a cash only line
complete with a 3-5 % discount !

tprice 06-11-2014 03:44 PM


Originally Posted by CJS (Post 6801296)
Old school....Because I can.

Me too


PLUS you DIP SHITS that pull out a debit card and have to punch all the damn numbers for a $1.29 soft drink hold all of us CHECK WRITERS up at the store because we ALSO HAVE CASH IN OUR POCKETS to buy stuff:grin::grin:


Admiral uses debit card but I still carry check book however most of the time I carry enough cash to buy whatever I am going to buy. I do however have mine checkbook out and write all but the amount while waiting in line


Older I get the more patience I get and I just roll with the flow

Mine Now 06-11-2014 03:57 PM

Cash is king. Ive refused all but two debit cards and may eliminate those at some point. Pretty sad watching someone by a soda and few odds and ends with a debit card. I can't walk out of the house without having a least $20.00 in my pocket.

billinstuart 06-11-2014 04:26 PM

I write checks for construction..several thousand a month. I simply don't trust credit/debit, and can't keep up with the stupid little receipts. By the time I get a statement, the jobs over, and I have no data to base my billing on.

As a retailer, I hate coughing up 2-3% to credit card companies. Frankly, I hate credit. Period. If you don't have the cash, don't buy it!

I guess it's a generational thing.

JCM 1420 06-11-2014 05:10 PM


Originally Posted by Design59 (Post 6803070)

Yes, sometimes I am annoyed being in line behind someone like this . . . . but then reality sets in, and I remember life is too short to get twisted over stupid stuff, and since most of the time it is an old person, I figure they have put in the time on this earth that allows them a little extra time and respect.

That is a great way to put it. I apply this same concept to being behind them on the road etc... Unfortunately most of the time I'm in a hurry, and I hate to be held up because someone is inconsiderate are just straight up moronic, but I give old people a pass most of the time. They've put the years in and they've been here long enough to do about whatever they want...they deserve our respect and our patience.

As far as someone thinking it is sad watching me buy a coke and candy bar with plastic. I can promise you I've swiped my plastic and am out of the line before the nit-wit working the register even begins to figure out how to count your change back. I don't use debit though, strictly credit and at most places don't even have to sign for petty purchases. I still carry cash because, well you never know, but my Amex makes it a lot easier to track spending, etc.

It also makes my life a lot easier using my business card whenever possible, sure I still try to keep receipts but if I lose one it doesn't matter as all the info is right there on the statement.

rusbob 06-11-2014 08:26 PM


Originally Posted by billinstuart (Post 6803313)
I write checks for construction..several thousand a month. I simply don't trust credit/debit, and can't keep up with the stupid little receipts. By the time I get a statement, the jobs over, and I have no data to base my billing on.

As a retailer, I hate coughing up 2-3% to credit card companies. Frankly, I hate credit. Period. If you don't have the cash, don't buy it!

I guess it's a generational thing.

Not a generational thing. I use my credit card for most purchases, rarely use cash. I pay off my cc every month. I've gotten MANY free tickets, rental cars, hotel rooms or cash back. If my card gets stolen I cancel it. Lots of benefits to using a cc IF you can pay it off every month.

Eastport205 06-11-2014 08:40 PM


Originally Posted by rusbob (Post 6804106)
Not a generational thing. I use my credit card for most purchases, rarely use cash. I pay off my cc every month. I've gotten MANY free tickets, rental cars, hotel rooms or cash back. If my card gets stolen I cancel it. Lots of benefits to using a cc IF you can pay it off every month.

X2

slipkid 06-12-2014 06:46 AM

Never get in line behind an old lady (checks) or in a line with a fat cashier (slow). The combination is deadly. And especially if the cashier is young giving them cash will slow them down as well since half of them cant figure change in their heads.

I use plastic for darned near everything these days.

Think Done Deals 06-12-2014 06:50 AM

Your not out of money until your out of checks.

Ifishalot 06-12-2014 06:58 AM


Originally Posted by rusbob (Post 6804106)
Not a generational thing. I use my credit card for most purchases, rarely use cash. I pay off my cc every month. I've gotten MANY free tickets, rental cars, hotel rooms or cash back. If my card gets stolen I cancel it. Lots of benefits to using a cc IF you can pay it off every month.


Originally Posted by Eastport205 (Post 6804128)
X2

x3

I have to travel for my job, vacations usually cost me little to nothing due to rewards. :thumbsup::thumbsup:

muskamoot 06-12-2014 07:06 AM

A better question is ...why do so many people that shop seem to have a big chip on their shoulder and no tolerance for people being people?

I Fish 2 06-12-2014 08:29 AM


Originally Posted by glacierbaze (Post 6801748)
If the store has the right software, you don't even have to fill out a check. They just swipe the info off the bottom line, and you sign electronically. And whether the check is filled out, or not, they hand it back to you after the transaction, because the money is already debited from your account.

X2. It makes a check just as fast as the card. Also, unless things have changed, a friend of mine who has a grocery store, said the company he uses to verify the checks/funds goes after the bad check writer for the amount, plus $60 overdraft fees, of which the store owner gets the full check amount, plus $30 of the overdraft fee. He said if he could he'd beg people to write him a bad check, but of course, writing bad checks is illegal. He said his verification company goes full on collections against the bad check writer, even presenting unpaid checks to the local prosecutor's office for criminal charges. They will pay, one way or another.

jeffro22 06-12-2014 12:37 PM

I know, its not that big of a deal, but falls in the same category with someone driving in the left lane and doing the exact speed limit or under. . .

When you think about it , there is absolutely no reason for writing checks for everyday shopping. Ok, Fine for small business transactions if you want. You check writers do know you can get an debit/check card (not a cc) and have it drafted from your checking account just the same as a check yet faster and easier, right?. . :grin: it is 2014 though, when you really think about it a check does seem really outdated


Anyone remember "the big lebowski" when he buys a carton of milk on clearance for 69 cents and writes a check :rofl:

fish factory 06-12-2014 02:58 PM


Originally Posted by muskamoot (Post 6804991)
A better question is ...why do so many people that shop seem to have a big chip on their shoulder and no tolerance for people being people?

:roll

porksoda 06-12-2014 04:30 PM


Originally Posted by Mine Now (Post 6803206)
Cash is king. Ive refused all but two debit cards and may eliminate those at some point. Pretty sad watching someone by a soda and few odds and ends with a debit card. I can't walk out of the house without having a least $20.00 in my pocket.

Why is it sad? I charge EVERYTHING on either credit or debit card. I charge $1 coffees at McD's. I hate carrying and using cash. Coins in my pocket annoy the hell out of me.

Shag 06-12-2014 05:29 PM


Originally Posted by porksoda (Post 6807012)
Why is it sad? I charge EVERYTHING on either credit or debit card. I charge $1 coffees at McD's. I hate carrying and using cash. Coins in my pocket annoy the hell out of me.

Don't get many cash discounts do ya?

Johnny Dreamer 06-12-2014 05:53 PM


Originally Posted by billinstuart (Post 6803313)
I write checks for construction..several thousand a month.

That's metric f***ton of checks. Say, 3,000 minimum for the "several" component, 24 working days for the "month" part, (Saturdays included) that's 125 checks a day.

We process more financial transactions than that each day and I clear them every morning...checks flying all over the place would drive me batty. That has to be so painful for person reconciling the transactions.


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