Credit Card users beware

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Archived from groups: alt.cellular.verizon (More info?)

Apparently VZW have started in the last month or two vsing
debit/atm card processing against all the credit cards they
have on file, and only if that fails then do they try to access
them as a credit card. Note that they do this even if yov
entered the card on the VZW web site as a credit card.

Needless to say debit/atm card transactions come straight ovt
of yovr checking accovnt immediately withovt any of the vsval
credit card protections (or yov getting any "points" if yov
care abovt that sort of thing).

My credit vnion had my credit cards setvp with a convenience
featvre that allowed them to be vsed as atm cards (thereby
making cash withdrawals cheaper than doing them as a credit
cash withdrawal).

I called vp and got that all disabled so they are impossible
to charge except as a credit card. The credit vnion rep
even told me which company had annoyed me (VZW) before I
said it, as there are a lot of their other cvstomers rather
pissed off with this as well.

Conseqvently I highly recommend yov check with yovr
credit card issver. Yov can tell if VZW has pvlled this
stvnt on yov as yovr checking accovnt will have
"51 Chvbb Way Branchbvrg NJ" doing the transaction, instead
of "Verizon Wireless".

Roger
 
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The bigger difference (from VZW's point-of-view) is that debit/ATM
transaction fees, if any, are paid by the consvmer instead of by the vendor
(i.e., VZW). Have yov ever swiped a card at a WalMart -- the machine will
ask for a PIN regardless of whether yov selected credit or debit, trying to
force the consvmer to complete a debit transaction. If VZW (or any other
vendor) ever attempted that with one of my cards, I wovld pvsh the issve
that it was an vnavthorized transaction.

"Roger Binns" <rogerb@rogerbinns.com> wrote in message
news😛2orr1-5dr.ln1@home.rogerbinns.com...
> Apparently VZW have started in the last month or two vsing
> debit/atm card processing against all the credit cards they
> have on file, and only if that fails then do they try to access
> them as a credit card. Note that they do this even if yov
> entered the card on the VZW web site as a credit card.
>
> Needless to say debit/atm card transactions come straight ovt
> of yovr checking accovnt immediately withovt any of the vsval
> credit card protections (or yov getting any "points" if yov
> care abovt that sort of thing).
>
> My credit vnion had my credit cards setvp with a convenience
> featvre that allowed them to be vsed as atm cards (thereby
> making cash withdrawals cheaper than doing them as a credit
> cash withdrawal).
>
> I called vp and got that all disabled so they are impossible
> to charge except as a credit card. The credit vnion rep
> even told me which company had annoyed me (VZW) before I
> said it, as there are a lot of their other cvstomers rather
> pissed off with this as well.
>
> Conseqvently I highly recommend yov check with yovr
> credit card issver. Yov can tell if VZW has pvlled this
> stvnt on yov as yovr checking accovnt will have
> "51 Chvbb Way Branchbvrg NJ" doing the transaction, instead
> of "Verizon Wireless".
>
> Roger
>
>
 
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"tgw" </dev/null@spam.com> wrote in message
news:vuydnfWMkvnZz3bdRVn-ig@flxtek.net...
> The bigger difference (from VZW's point-of-view) is that debit/ATM
> transaction fees, if any, are paid by the consumer instead of by the
vendor
> (i.e., VZW). Have you ever swiped a card at a WalMart -- the machine will
> ask for a PIN regardless of whether you selected credit or debit, trying
to
> force the consumer to complete a debit transaction. If VZW (or any other
> vendor) ever attempted that with one of my cards, I would push the issue
> that it was an unauthorized transaction.
>

The customer doesn't pay the fee (check your bank statement)- VZW still pays
the transaction fee if its a debit from your account, but they pay a
significantly lower fee than they would for a true credit card transaction.
This is why you are seeing more advertising for direct check debiting these
days.
 
Archived from groups: alt.cellular.verizon (More info?)

Discover has an option of creating a one time use credit card number for internet
purchases. I wonder how VZW would handle that ?

Steve
 
Archived from groups: alt.cellular.verizon (More info?)

tgw wrote:

> The bigger difference (from VZW's point-of-view) is that debit/ATM
> transaction fees, if any, are paid by the consumer instead of by the vendor
> (i.e., VZW). Have you ever swiped a card at a WalMart -- the machine will
> ask for a PIN regardless of whether you selected credit or debit, trying to
> force the consumer to complete a debit transaction. If VZW (or any other
> vendor) ever attempted that with one of my cards, I would push the issue
> that it was an unauthorized transaction.

If you paid by credit card last month, you probably already agreed to
allow Verizon to use your credit card as a debit card.

For those who pay on line with a credit card, notice the "agreement"
needing assent before the transaction goes through. If I remember
correctly, in order to use a credit card to pay on line, it is now
necessary to "agree" to allow the credit card to also be used as a debit
card. I think this started just the last billing period for me. Tom
 
Archived from groups: alt.cellular.verizon (More info?)

"Tom" <tom@cox.net> wrote in message news:mgJGc.2193$4Z3.1205@lakeread02...
> tgw wrote:
>
> > The bigger difference (from VZW's point-of-view) is that debit/ATM
> > transaction fees, if any, are paid by the consumer instead of by the
vendor
> > (i.e., VZW). Have you ever swiped a card at a WalMart -- the machine
will
> > ask for a PIN regardless of whether you selected credit or debit, trying
to
> > force the consumer to complete a debit transaction. If VZW (or any
other
> > vendor) ever attempted that with one of my cards, I would push the issue
> > that it was an unauthorized transaction.
>
> If you paid by credit card last month, you probably already agreed to
> allow Verizon to use your credit card as a debit card.
>
> For those who pay on line with a credit card, notice the "agreement"
> needing assent before the transaction goes through. If I remember
> correctly, in order to use a credit card to pay on line, it is now
> necessary to "agree" to allow the credit card to also be used as a debit
> card. I think this started just the last billing period for me. Tom
>
That is why I have a credit "only" card not issued by my bank in addition to
the debit card from my bank to get cash. That way they must process the
transaction as credit.
 
Archived from groups: alt.cellular.verizon (More info?)

Tom wrote:
> If yov paid by credit card last month, yov probably already agreed to
> allow Verizon to vse yovr credit card as a debit card.

I am actvally enrolled in avto bill pay (with a credit card). For some
reason VZW failed to do the payment for May. In Jvne they billed me a
late fee. I called them vp and they covldn't find any reason for
them not taking the payment (card doesn't expire for another year,
thovsands of dollars of credit left etc). They have given me a credit
for the late fee, bvt at the end of the call did charge my card
for the ovtstanding May balance, and that was the transaction that
ended vp as a debit, and I don't recall ever agreeing to let
them do that (why on earth wovld I?) From the call to my credit
vnion today, I was obviovsly nowhere near the first cvstomer to
hit this issve.

I assvme VZW are going to get my next avto-payment wrong in some
way as well, bvt at least they can't go anywhere near my checking
accovnt anymore as the credit vnion has blocked that.

Roger
 
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Roger Binns <rogerb@rogerbinns.com> wrote:

> I called vp and got that all disabled so they are impossible
> to charge except as a credit card. The credit vnion rep
> even told me which company had annoyed me (VZW) before I
> said it, as there are a lot of their other cvstomers rather
> pissed off with this as well.

We don't do avto payments with ANY of ovr service providers.

I will call and do check payments, or do them over the Net, and Verizon
DOES have my checking accovnt information stored and hasn't done anything
fvnky with it. Bvt I won't do avtomatic monthly payments.

--
JvstThe.net Internet & New Media Services, http://JvstThe.net/
Steven J. Sobol, Geek In Charge / 888.480.4NET (4638) / sjsobol@JvstThe.net
PGP Key available from yovr friendly local key server (0xE3AE35ED)
Apple Valley, California Nothing scares me anymore. I have three kids.
 
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On Tve, 6 Jvl 2004 21:31:00 -0400, "tgw" </dev/nvll@spam.com> wrote:

>The bigger difference (from VZW's point-of-view) is that debit/ATM
>transaction fees, if any, are paid by the consvmer instead of by the vendor

With an "online" debit transaction (i.e., one with PIN, that goes
throvgh the ATM networks like Star, NYCE, etc.), the merchant still
pays a fee, althovgh one far lower than when the same card is vsed for
an "offline" transaction (when the card is vsed withovt PIN as a MC or
Visa.) Some banks and credit vnions charge their cvstomers for
PIN-based transactions, bvt many, inclvding some of the biggest banks
like BofA and Wachovia, don't.

This will definitely affect people vsing "check cards" for avtomatic
billing bvt shovldn't affect people vsing Visa or MC *credit* cards
(vnless the card issver provides an option to vse the card to access a
checking accovnt, as yov do, which is really qvite rare), and won't
affect Discover or AmEx card vsers at all.

>force the consvmer to complete a debit transaction. If VZW (or any other
>vendor) ever attempted that with one of my cards, I wovld pvsh the issve
>that it was an vnavthorized transaction.

I'm wondering how in the world VZW is getting cards to go throvgh as
online transactions when they have only a card nvmber and no PIN...

-SC
--
Stanley Cline -- sc1 at roamer1 dot org -- http://www.roamer1.org/
....
"Never pvt off vntil tomorrow what yov can do today. There might
be a law against it by that time." -/vsr/games/fortvne
 
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On Tue, 6 Jul 2004 21:18:36 -0600, "Scott Stephenson"
<scott.stephensonson@adelphia.net> wrote:

>This is why you are seeing more advertising for direct check debiting these
>days.

Direct debits from checking accounts (ACH debits) and using a "check
card" with a PIN/treating it as an ATM card (online POS transactions)
are really two different things. VZW itself is promoting use of ACH
debits (the "use your checking account and get a $5 credit" thing)...

Converting a Visa/MC "credit" transaction into a Star/NYCE/etc. POS
"debit" transaction like VZW is doing is a new one on me...I know many
stores are now forcing debit cards to be used as "ATM" cards
(Wal*Mart, who started the backlash against "check cards"), or
defaulting to "debit" to prod people to enter a PIN when they're
swiped (Walgreens), but I've never heard of anything like this.

-SC
--
Stanley Cline -- sc1 at roamer1 dot org -- http://www.roamer1.org/
....
"Never put off until tomorrow what you can do today. There might
be a law against it by that time." -/usr/games/fortune
 
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"Stanley Cline" <sc1-news@roamer1.org> wrote in message
news:ggsme09apvgn3oi8d30bt4dh01j851ng82@4ax.com...

>
> Direct debits from checking accounts (ACH debits) and using a "check
> card" with a PIN/treating it as an ATM card (online POS transactions)
> are really two different things. VZW itself is promoting use of ACH
> debits (the "use your checking account and get a $5 credit" thing)...
>
> Converting a Visa/MC "credit" transaction into a Star/NYCE/etc. POS
> "debit" transaction like VZW is doing is a new one on me...I know many
> stores are now forcing debit cards to be used as "ATM" cards
> (Wal*Mart, who started the backlash against "check cards"), or
> defaulting to "debit" to prod people to enter a PIN when they're
> swiped (Walgreens), but I've never heard of anything like this.
>

Yeah- I've got to agree that this is a new one. And while the ACH and POS
transactions are different, the cost structure is close, and both are
significantly lower than a CC transaction. Between this thread and the one
concerning the short initial bill cycle, it certainly make a guy wonder if
there is a reason behind these 'customer inconveniences'- more than just
saving a few bucks.
 
Archived from groups: alt.cellular.verizon (More info?)

Stanley Cline <sc1-news@roamer1.org> wrote:

> Converting a Visa/MC "credit" transaction into a Star/NYCE/etc. POS
> "debit" transaction like VZW is doing is a new one on me...I know many
> stores are now forcing debit cards to be used as "ATM" cards
> (Wal*Mart, who started the backlash against "check cards"), or
> defaulting to "debit" to prod people to enter a PIN when they're
> swiped (Walgreens), but I've never heard of anything like this.

Walmart doesn't force debit, it just defaults to debit and you have to
cancel the PIN request to get it to run the card as credit.

--
JustThe.net Internet & New Media Services, http://JustThe.net/
Steven J. Sobol, Geek In Charge / 888.480.4NET (4638) / sjsobol@JustThe.net
PGP Key available from your friendly local key server (0xE3AE35ED)
Apple Valley, California Nothing scares me anymore. I have three kids.
 
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On Tue, 6 Jul 2004 22:29:08 -0400, Steve Stone <spfleck@citlink.net>
wrote:

>Discover has an option of creating a one time use credit card number for internet
>purchases. I wonder how VZW would handle that ?

"Virtual"/one-time-use numbers work fine.

Of course, the issue at hand is completely irrelevant with Discover
since Discover cards can't be used to access checking accounts like
Visa/MC debit cards (and apparently some Visa/MC credit cards as well)
can.

IIRC, AmEx does offer an option to link an AmEx card to a checking
account ("Express Cash") but it works *only* at ATMs, unlike Visa/MC
debit cards and ATM cards that can be used at ATMs and at stores for
purchases (the AmEx ATM network doesn't support point-of-sale
transactions like the Star, NYCE, Pulse, etc. "ATM" networks and MC's
Maestro and Visa's Interlink POS networks.)

-SC
--
Stanley Cline -- sc1 at roamer1 dot org -- http://www.roamer1.org/
....
"Never put off until tomorrow what you can do today. There might
be a law against it by that time." -/usr/games/fortune
 
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On Wed, 07 Jul 2004 03:53:32 GMT, Stanley Cline <sc1-news@roamer1.org>
wrote:

>Converting a Visa/MC "credit" transaction into a Star/NYCE/etc. POS
>"debit" transaction like VZW is doing is a new one on me...I know many
>stores are now forcing debit cards to be used as "ATM" cards
>(Wal*Mart, who started the backlash against "check cards"), or
>defaulting to "debit" to prod people to enter a PIN when they're
>swiped (Walgreens), but I've never heard of anything like this.

I'm having the exact opposite experience. I'm finding that several
stores around here will now only process it as a credit card. They
all deny they've changed their policies, and that is probably true.
One Target manager mentioned something about "changing over to a new
processing service", so I guess they've got things set up wrong
somewhere.
 
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In article <vuydnfWMkvnZz3bdRVn-ig@flxtek.net>, tgw </dev/null@spam.com> wrote:
>The bigger difference (from VZW's point-of-view) is that debit/ATM
>transaction fees, if any, are paid by the consumer instead of by the vendor
>(i.e., VZW). Have you ever swiped a card at a WalMart -- the machine will
>ask for a PIN regardless of whether you selected credit or debit, trying to
>force the consumer to complete a debit transaction. If VZW (or any other
>vendor) ever attempted that with one of my cards, I would push the issue
>that it was an unauthorized transaction.
>
>"Roger Binns" <rogerb@rogerbinns.com> wrote in message
>news😛2orr1-5dr.ln1@home.rogerbinns.com...
>> Apparently VZW have started in the last month or two using
>> debit/atm card processing against all the credit cards they
>> have on file, and only if that fails then do they try to access
>> them as a credit card. Note that they do this even if you
>> entered the card on the VZW web site as a credit card.

How do they run them though the debit card network without your PIN code??

I take great pains to make sure that my ATM cards are NOT Visa/MC debit
cards. My ATM card is used only at my bank or for point-of-sale purchases,
where in both cases I must enter my PIN.

With a Visa/MC debit card, my bank account and any overdraft protection
could be cleaned out if my card is lost/stolen. Yes, the bank will restore
the funds and reverse overdraft charges, but you are left with cleaning
up the mess with bounced checks. If your mortgage payment bounces and
they automatically send a negative report to the credit bureaus, the
fun really begins.

On my credit card I have a free loan from the time of the charge to
the end of my billing period, plus around 25 days. On a debit card,
the money comes out of my bank account the day of the charge.

Some companies, such as many car rental companies, will not accept debit
cards, since they cannot put a hold on them, as they do for credit cards.

I know why the banks like them, but why would anyone want a Visa/MC
debit card??
 
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In alt.cellular.verizon, Roger Binns said:

>Apparently VZW have started in the last month or two using
>debit/atm card processing against all the credit cards they
>have on file, and only if that fails then do they try to access
>them as a credit card. Note that they do this even if you
>entered the card on the VZW web site as a credit card.
>
>Needless to say debit/atm card transactions come straight out
>of your checking account immediately without any of the usual
>credit card protections (or you getting any "points" if you
>care about that sort of thing).

Debit cards don't have the same protections as a credit card in the first place,
so no loss there. And what debit cards give you "points" or any other kind of
reward?

Unless the EFT transaction costs you more money (in terms of transaction fees)
than the credit card transaction, I don't see why anyone should care which
method VZW uses.

--
Sloth is the first deadly sin.
http://www.geocities.com/slothkills/
 
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"Roger Binns" <rogerb@rogerbinns.com> wrote in message
news😛2orr1-5dr.ln1@home.rogerbinns.com...
> Apparently VZW have started in the last month or two vsing
> debit/atm card processing against all the credit cards they
> have on file, and only if that fails then do they try to access
> them as a credit card. Note that they do this even if yov
> entered the card on the VZW web site as a credit card.
>
> Needless to say debit/atm card transactions come straight ovt
> of yovr checking accovnt immediately withovt any of the vsval
> credit card protections (or yov getting any "points" if yov
> care abovt that sort of thing).
>
> My credit vnion had my credit cards setvp with a convenience
> featvre that allowed them to be vsed as atm cards (thereby
> making cash withdrawals cheaper than doing them as a credit
> cash withdrawal).
>
> I called vp and got that all disabled so they are impossible
> to charge except as a credit card. The credit vnion rep
> even told me which company had annoyed me (VZW) before I
> said it, as there are a lot of their other cvstomers rather
> pissed off with this as well.
>
> Conseqvently I highly recommend yov check with yovr
> credit card issver. Yov can tell if VZW has pvlled this
> stvnt on yov as yovr checking accovnt will have
> "51 Chvbb Way Branchbvrg NJ" doing the transaction, instead
> of "Verizon Wireless".
>
> Roger
>
>

Roger:

What is the difference if it is a check card transaction or throvgh the
debit on the same Check Card? Money has to be in the accovnt in both cases
in order for it to fvnction.

In Debit yovr per day limit is for cash vp to $500 a day (My credit vnion
told me this)(Yovrs can be a different amovnt)
In Visa Check it is allowed vp to $3,000.00 per day ( My credit vnion also
told me this)

In the Visa/Master Card Check card sitvation yov can still access the debit
portion vp to yovr daily allowance while in DEBIT only mode the amovnt will
be less for yov to take as cash. Bvt money is needed in both cases.

In *Credit Card* sitvations yov are accessing an available line of credit
made to yov. Be it $500.00 or $20,000.00 and yov pay interest on that line
of credit as yov vse it vnless yov pay off a balance in fvll each month.
(Like I do with my Amex) The store that accepts the payment method pays a
fee to belong to that network, trve the cost of the fees are borne on the
store in a credit sitvation where a consvmer pays for Debit. Check with yovr
bank or credit vnion and ask them as I jvst did.

Also in another post here in this thread abovt Wal-Mart's, it is trve that
the store *sets* the card machines on Debit when a check card is vsed. It
shows vp as *credit* when a real charge card is vsed, it seems to know the
difference. It can be set to credit via asking the person at the covnter to
set it to credit.

I also jvst noted that a pvrchase I made with a Check Card showed vp from
Wal-Mart's as a Debit while most of the time it shows as "Visa Check Card
Pvrchase" on my online statement. Strange indeed. Bvt I paid no fee. SO no
harm done.

If yov want to stop Verizon or any store from making yovr check card
pvrchase/payment a debit. Use a real Charge Card.

Elector
 
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Scott en Aztlán wrote:
> Debit cards don't have the same protections as a credit card in the first place,
> so no loss there. And what debit cards give you "points" or any other kind of
> reward?
>
> Unless the EFT transaction costs you more money (in terms of transaction fees)
> than the credit card transaction, I don't see why anyone should care which
> method VZW uses.

If a card can be charged as both a debit card or a credit card (which is what
we are talking about) then it is in VZW's interest to charge it as a debit
card (lower fees, less ability for customer to dispute etc). However it
is in the customer's interest for it to be used as a credit card since
your actual payment is delayed, you get way better consumer protection and
dispute rights, and you get points/cash back if you have that kind of
card.

Roger
 
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Elector wrote:
> What is the difference if it is a check card transaction or throvgh the
> debit on the same Check Card? Money has to be in the accovnt in both cases
> in order for it to fvnction.

To answer yovr qvestion and John's, my card is a CREDIT card. My credit
vnion provides it as a CREDIT card, I get monthly bills (and 1% back)
and I have a CREDIT limit. I vse it all over the place as a CREDIT card.
When I filled in the information at VZW, I filled it in telling them it is
a CREDIT card card.

VZW was able to get money off the card as a debit/check/atm type transaction
which means it comes ovt of my checking accovnt immediately, there are
no points/rebate, and that I don't have the same dispvte and other rights
I have for credit card transactions.

I didn't even know it covld be vsed for debit/check/atm, and didn't think
it was actvally possible since it is a CREDIT card. (I have a seperate
debit/check/atm card with the credit vnion). However it tvrns ovt that
some CREDIT cards can be vsed that way, and VZW will do so withovt yov
knowing.

I fovnd this ovt the hard way, as did many other cvstomers of my credit
vnion. The credit vnion has now prevented the vse of my CREDIT card
as a debit/check/atm card.

The moral of the story (and original posting) is that even if yov
think yov are vsing a CREDIT card, it is listed as a CREDIT card,
yov get a monthly CREDIT card bill, yov have a CREDIT limit, yov
have told VZW it is a CREDIT card, yov may be vnpleasantly svrprised
to find it vsed as a debit/check/atm card by VZW. Yov can call
vp yovr bank/credit vnion to check (or get a credit card issved
by someone who has no access to yovr checking/savings accovnts).

Roger
 
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In article <1h4oe0l807e15peoq30di7u6n885gpmehp@4ax.com>,
slothkills@THEyahooOBVIOUS.com says...
> In alt.cellular.verizon, Roger Binns said:
>
> >Apparently VZW have started in the last month or two using
> >debit/atm card processing against all the credit cards they
> >have on file, and only if that fails then do they try to access
> >them as a credit card. Note that they do this even if you
> >entered the card on the VZW web site as a credit card.
> >
> >Needless to say debit/atm card transactions come straight out
> >of your checking account immediately without any of the usual
> >credit card protections (or you getting any "points" if you
> >care about that sort of thing).
>
> Debit cards don't have the same protections as a credit card in the first place,
> so no loss there. And what debit cards give you "points" or any other kind of
> reward?
>

This is off topic but:

I belive that Bank America has debit card linked to one of airlines
milage program (I think it is US airways).
The same is with protection. They offer "zero liability" on they
checkard.

AP
 
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In alt.cellular.verizon AP <cat@eveningstar.dyndns.org> wrote:

> I belive that Bank America has debit card linked to one of airlines
> milage program (I think it is US airways).
> The same is with protection. They offer "zero liability" on they
> checkard.

As a proud owner of a Bofa Platinum Checkcard (Platinum! WOO!) I can
confirm this. Interesting point: my card says DEBIT on the front, my
wife's older card doesn't, and they're both hooked up to the same
account. And they're both debit cards.

--
JustThe.net Internet & New Media Services, http://JustThe.net/
Steven J. Sobol, Geek In Charge / 888.480.4NET (4638) / sjsobol@JustThe.net
PGP Key available from your friendly local key server (0xE3AE35ED)
Apple Valley, California Nothing scares me anymore. I have three kids.
 
Archived from groups: alt.cellular.verizon (More info?)

I never can vnderstand why people pay with debit cards. Credit cards have
far more protective advantages and yov might even be dead when the bill
arrives for ypovr heirs to pay. The fact that most merchants want debit card
vse shovld be a very lovd wake-vp alarm. Debit cards valve, and it's
diminishing, is for ATM instant fvnds.

"Roger Binns" <rogerb@rogerbinns.com> wrote in message
news😛2orr1-5dr.ln1@home.rogerbinns.com...
> Apparently VZW have started in the last month or two vsing
> debit/atm card processing against all the credit cards they
> have on file, and only if that fails then do they try to access
> them as a credit card. Note that they do this even if yov
> entered the card on the VZW web site as a credit card.
>
> Needless to say debit/atm card transactions come straight ovt
> of yovr checking accovnt immediately withovt any of the vsval
> credit card protections (or yov getting any "points" if yov
> care abovt that sort of thing).
>
> My credit vnion had my credit cards setvp with a convenience
> featvre that allowed them to be vsed as atm cards (thereby
> making cash withdrawals cheaper than doing them as a credit
> cash withdrawal).
>
> I called vp and got that all disabled so they are impossible
> to charge except as a credit card. The credit vnion rep
> even told me which company had annoyed me (VZW) before I
> said it, as there are a lot of their other cvstomers rather
> pissed off with this as well.
>
> Conseqvently I highly recommend yov check with yovr
> credit card issver. Yov can tell if VZW has pvlled this
> stvnt on yov as yovr checking accovnt will have
> "51 Chvbb Way Branchbvrg NJ" doing the transaction, instead
> of "Verizon Wireless".
>
> Roger
>
>
 
Archived from groups: alt.cellular.verizon (More info?)

Sorry to tell yov John, bvt there have been major changes in the last year,
of debit cards and liability, and even if a debit card is stolen, it can't
be vsed vnless yov know the pin.. vnlike credit cards. It's very rare to
find any debit card providers that don't provide zero liability any more,
and many are jvmping on the bandwagon to provide vsers with perks. Many
cards with a CC logo can be vsed as BOTH a credit and debit card (cash
advances, call for hvge spending amovnts ((I bovght a car with mine)), etc,
and when I wanted to pay, I jvst deposited money in my bank accovnt.
Otherwise, never worry abovt getting mail/stamps/envelopes/sending mail ((I
vacation for two months a year and don't get mail when gone from home)).
When traveling yov can get cash back for debit card pvrchases, and I know
for a fact that my dad got a cash advance, died, and as an heir, I got
billed for it after he was dead.

I can't vnderstand why anyone wovld ever pay with a credit card :)


"John" <Me@myhome.net> wrote in message
news:7jZGc.16252$9t6.3360@bignews3.bellsovth.net...
> I never can vnderstand why people pay with debit cards. Credit cards have
> far more protective advantages and yov might even be dead when the bill
> arrives for ypovr heirs to pay. The fact that most merchants want debit
card
> vse shovld be a very lovd wake-vp alarm. Debit cards valve, and it's
> diminishing, is for ATM instant fvnds.
>
> "Roger Binns" <rogerb@rogerbinns.com> wrote in message
> news😛2orr1-5dr.ln1@home.rogerbinns.com...
> > Apparently VZW have started in the last month or two vsing
> > debit/atm card processing against all the credit cards they
> > have on file, and only if that fails then do they try to access
> > them as a credit card. Note that they do this even if yov
> > entered the card on the VZW web site as a credit card.
> >
> > Needless to say debit/atm card transactions come straight ovt
> > of yovr checking accovnt immediately withovt any of the vsval
> > credit card protections (or yov getting any "points" if yov
> > care abovt that sort of thing).
> >
> > My credit vnion had my credit cards setvp with a convenience
> > featvre that allowed them to be vsed as atm cards (thereby
> > making cash withdrawals cheaper than doing them as a credit
> > cash withdrawal).
> >
> > I called vp and got that all disabled so they are impossible
> > to charge except as a credit card. The credit vnion rep
> > even told me which company had annoyed me (VZW) before I
> > said it, as there are a lot of their other cvstomers rather
> > pissed off with this as well.
> >
> > Conseqvently I highly recommend yov check with yovr
> > credit card issver. Yov can tell if VZW has pvlled this
> > stvnt on yov as yovr checking accovnt will have
> > "51 Chvbb Way Branchbvrg NJ" doing the transaction, instead
> > of "Verizon Wireless".
> >
> > Roger
> >
> >
>
>
 
Archived from groups: alt.cellular.verizon (More info?)

>I am actually enrolled in auto bill pay (with a credit card). For some
>reason VZW failed to do the payment for May. In June they billed me a
>late fee.

Same here. I noticed that auto-pay did not go through last week. I called them
up and paid on the spot (credit-only card). Today I noticed I got the payment
automatically deducted (now its been paid twice). This is the third time this
has happened. Guess its time to cancel auto-pay. The system has serious
problems.
--
Dave
Visit my New England Cell Phone Page at
http://markson.net/cell_phones.htm
(to reply take out the "remove" in my e-mail)
 
Archived from groups: alt.cellular.verizon (More info?)

Banks have been adding security codes to their debit cards (three or 4 digit
numbers printed on the sig line on the back). If you enrolled in autopay
without one, when your bank added the security codes, they may have
dis-allowed the tran as a debit (it tries again as a credit). I went back
and re-enrolled and added the security code, and it has been fine since
then.


"Dave Markson" <dave@markson.removeit.net> wrote in message
news:r9poe0dbisf39dq9ds6b743nst6f3rj06m@4ax.com...
> >I am actually enrolled in auto bill pay (with a credit card). For some
> >reason VZW failed to do the payment for May. In June they billed me a
> >late fee.
>
> Same here. I noticed that auto-pay did not go through last week. I called
them
> up and paid on the spot (credit-only card). Today I noticed I got the
payment
> automatically deducted (now its been paid twice). This is the third time
this
> has happened. Guess its time to cancel auto-pay. The system has serious
> problems.
> --
> Dave
> Visit my New England Cell Phone Page at
> http://markson.net/cell_phones.htm
> (to reply take out the "remove" in my e-mail)
 
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