Are You Still Using Cash?

[ancient_mariner]

Hmmm, that's rather strange. When I click this nothing happens. I was thinking it's because the reply is within my quote, but I should still be able to quote it all in a new response?

View attachment 377278

I was replying on the phone, and after I removed the image (so that your email address was not included) I could only write inside the quote box.

 

[gman]

Crickey, I just logged into PayPal on my phone (usually use the computer) and a rather large payment requestion was staring at me for an iPhone 14 Pro Max from late November. After I recovered from the sheer sacrilege factor (I'm Android Mr Tibbetts) it's all been cancelled and PayPal informed, they responded almost immediately which was impressive. Post-cancel screenshot below.

It said the money had been debited from my account, but it hadn't and I think this was more a premature message should I approve it. That was a bit worrying! lol

I wonder how many people may accidentally approve such a request? Rather sneaky.



View attachment 377264

It's working now! lol

 

[Cobra]

Convenience. Same reason as why people have "keyless" enabled cars (even though still need to carry the stupid thing) and why smart home industry exist.

I still don't get it, carrying your whole life in a small wallet.
If it suits you, and you can afford all the tricks, then fair enough.
It wouldn't suit me, even if I wanted to afford it.

 

[joxby]

The two main reasons why business want you to stop using it are :

1) They cannot track your spending - if they don't know what you are buying they cannot target advertising at you. This goes far deeper than you may realise, the amount by which your life is guided and controlled by computer algorithms that map your behaviour is shocking. Every web site you visit, every transaction you make electronically is logged, the data fed into the system and used to guide and predict your future spending.

This.....all day long

I have a card, I don't want to use it but its so difficult not to now we don't have any shops.
Buying xmas gifts for kid nieces and nephews has been a nightmare, you get the list and it turns out nothing on it is available in a shop, instead you have to fanny about with cards, open customer accounts, input 14 different passwords, prove you're identity by telling them the ins and outs of your ahole for a squeaky disney toy and suffer the unknown bull5h1t of delivery services that will probably deliver to a t*** down the street or end up in the back of a bin waggon, what a pile of garbage buying anything online is.
I've been looking for a new laptop, that's been a nightmare too, if currys or argos don't have what you want, you're pretty much stuffed.
I just wanna leave the house, buy stuff.......today, in real life, from actual living carbon units in shops, and then go home...done/dusted.
Since the covid money con, I've had to use a card, but I'm almost back to all cash now, unfortunately cash doesn't buy anything in shops that don't exist.
And I'd rather stick my balls in a vice than pay for anything with a ******* phone, that thing is a septic boil on the 4rse of humanity.

....and breath.....

 

[Ricardodaforce]

Oh dear.

 

[gman]

This.....all day long

I have a card, I don't want to use it but its so difficult not to now we don't have any shops.
Buying xmas gifts for kid nieces and nephews has been a nightmare, you get the list and it turns out nothing on it is available in a shop, instead you have to fanny about with cards, open customer accounts, input 14 different passwords, prove you're identity by telling them the ins and outs of your ahole for a squeaky disney toy and suffer the unknown bull5h1t of delivery services that will probably deliver to a t*** down the street or end up in the back of a bin waggon, what a pile of garbage buying anything online is.
I've been looking for a new laptop, that's been a nightmare too, if currys or argos don't have what you want, you're pretty much stuffed.
I just wanna leave the house, buy stuff.......today, in real life, from actual living carbon units in shops, and then go home...done/dusted.
Since the covid money con, I've had to use a card, but I'm almost back to all cash now, unfortunately cash doesn't buy anything in shops that don't exist.
And I'd rather stick my balls in a vice than pay for anything with a ******* phone, that thing is a septic boil on the 4rse of humanity.

....and breath.....

As convenient as online shopping is, I do like actual shops as well, especially for things like a TV. Although I'm sure it's not just online where we are targeted, do the supermarkets not use techniques to establish product placement on the shelves? I remember seeing something about cameras being used to see where people's eyes were looking.

Once the Central Bank Digital Currency is fully established, and I have no doubt that it will be regardless of protest or concern, then you'll be fully tracked everywhere anyway. The bigger concern is if a Social Credit System is also introduced (like China) and then the two can be tied together and it escalates from tracking to controlling.

 

[mj4456]

If it’s dropped, it can be used contactless until locked by user or bank.

A lot of the older ones include the card number and CVV on it, which means it could be used for online purchases by someone that knows your address. Though I suspect 2FA may now prevent thst.

They can be cloned.

I don’t have contactless on my cards, bank was surprised when I requested cards not having this feature or not to have it activated, credit card usually only used for purchases over the limit anyway and debit card used for cash from bank. I may be a dinosaur but hey ho.

I remember when working the garage a problem occurred with BT and resulted in no WiFi, no internet connection, no phones in fact as the garage used a fancy-but crappy system-panic when customers couldn’t pay their bills and had to go get cash from the bank to get their cars back, a few were allowed to take then away to return next day to pay but they were regulars only, technology is great, when it works.

 

[joxby]

As convenient as online shopping is, I do like actual shops as well, especially for things like a TV. Although I'm sure it's not just online where we are targeted, do the supermarkets not use techniques to establish product placement on the shelves? I remember seeing something about cameras being used to see where people's eyes were looking.

Once the Central Bank Digital Currency is fully established, and I have no doubt that it will be regardless of protest or concern, then you'll be fully tracked everywhere anyway. The bigger concern is if a Social Credit System is also introduced (like China) and then the two can be tied together and it escalates from tracking to controlling.

Aint nobody in a supermarket refusing your custom because they don't like where you are looking...
There isnt much protest or concern from the sheeple with BDC, we're surrounded by bedazzled tech zombies, your freedom is a small price to pay for their convenience, especially when their entire lives are already controlled by a 5g plastic square...lol

 

[JonathanRyan]

That's the exact reason for the emergency wallet:
- house key will open the front door old fashioned way
- car key card will unlock the car without needing any other device and even after completely submerged.
- £10 cash for emergency and a debit card to withdraw larger sums from cash machine

No, I've never had electronic device fail to the point of not able to rely upon it. I've never even run out of battery on my iPhone mini (the one with worst and shortest battery life).

I used to get phones run out of battery when I went to London - probably combination of using it more and constant pinging of services on trains etc. so when I do, I carry a small power bank.

I think I could drive my car using just my phone but they gave me such a cute "key" it seems silly not to carry it

Actually that gives me an idea. If I ever lock myself out of my house and the car's in the garage I bet I could use my phone to tell my car to open the garage door. Maybe I don't even need a key any more..... (When I changed the locks, electronic locks were a little clunky and also very expensive - we have about 5 external doors. So I went with a nice one key solution from Avocet.)

 

[cambsno]

Only use cash for barbers and can't think of any other cash spends.

Most is contactless on my phone, with £100+ on the card. Have the Apple wallet on back of case which is great and holds 3 cards (normally Came U season ticket, driving license and credit card). 95% of spending is on John Lewis card so I get the points - works out to around £100-150 a year in JL vouchers.

Only issue is when I am in town and see what I believe to be a genuine homeless person I never have any cash to give, and often don't have my debit card. But so happy not to have bulging pockets of loose change.

 

[wyx087]

I still don't get it, carrying your whole life in a small wallet.

I carry my whole life on my phone
I did realise, the other day, that if I lost my wallet, the address is on the driving license with matching the key.

I remember when working the garage a problem occurred with BT and resulted in no WiFi, no internet connection, no phones in fact as the garage used a fancy-but crappy system-panic when customers couldn’t pay their bills and had to go get cash from the bank to get their cars back, a few were allowed to take then away to return next day to pay but they were regulars only, technology is great, when it works.

Shirley, it is the garage fault for not able to process payments, thus I think not allowing customers to take away their vehicle because advertised payment method was not available is poor.

If it happened now, I would offer bank transfer over mobile 4G network. If that was declined, I'm sorry, it is the garage's problem, I need my car and you will get your payment on another day.

There are more than one way to skin a cat. There's many electronic ways around a failure.

 

[Cobra]

I carry my whole life on my phone

Fair enough. However ...

I did realise, the other day, that if I lost my wallet, the address is on the driving license with matching the key.

That's why my various "things" are not kept in the same place, together.
Even my sat nav, home setting is, the local police station, some miles from my home.

 

[mj4456]

I carry my whole life on my phone
I did realise, the other day, that if I lost my wallet, the address is on the driving license with matching the key.


Shirley, it is the garage fault for not able to process payments, thus I think not allowing customers to take away their vehicle because advertised payment method was not available is poor.

If it happened now, I would offer bank transfer over mobile 4G network. If that was declined, I'm sorry, it is the garage's problem, I need my car and you will get your payment on another day.

There are more than one way to skin a cat. There's many electronic ways around a failure.

YEP there is, cash ,cheque, first born child, no payment no car, would Asda, Tesco etc allow you to take the trolley of goods away on a promise?

 

[mj4456]

Ordered Pizza from Domino's recently whilst doing a late night job at a mates workshop, went to collect to be met with "Sorry, no cash, card payments only" I explained I had only cash but not acceptable, so their order was wasted and I went to the chippy. Perhaps if they'd told us when the phone order was made we could have made alternative arrangements.

 

[Cobra]

Perhaps if they'd told us when the phone order was made we could have made alternative arrangements.

Strangely ( or not) one local Chinese take-away, and one local chippy only take cash.
There are others that take both though.

 

[mj4456]

Strangely ( or not) one local Chinese take-away, and one local chippy only take cash.
There are others that take both though.

Cash is good for some of these places, some forget to ring it all through the till?

 

[Cobra]

some forget to ring it all through the till?

I'm sure they wouldn't do that.
BTW what's a till?
There is no need for new fangled gadgets when pen and paper work just as well

 

[wyx087]

YEP there is, cash ,cheque, first born child, no payment no car, would Asda, Tesco etc allow you to take the trolley of goods away on a promise?

Was card payment part of their advertised accepted payment type? If yes, was customers made aware of payment problems before work was done?

This isn't an optional purchase with many other choices such as supermarket or takeaway, this is a potentially large payment for service that cannot be undone. If the customer wasn't made aware of payment problems by the garage before work being done, I think it is well within the customer's rights to want to get on with their day using the vehicle.

There was once an airport pickup that demanded more money after arrived at my home. Reason was that the car I booked couldn't have fitted all my luggage. I point blank refused and pointed out you cannot change the terms of service after providing the service. I was fully prepared to pay more before loading my luggage into their car, but never after.

 

[Cobra]

I was fully prepared to pay more before loading my luggage into their car, but never after.

On a sideways theme, I rarely use taxi's, ( well private hire anyway) but when I do I phone up and book one.
and pay at the end of the journey in cash. Carefully watching the meter on their phone to make sure
it doesn't do anything untoward.

There are plenty of horror stories, here on the local pages, people book and pay, via the app.
Sometimes the taxis never show, and they hardly if ever get a refund, claiming they did arrive.
Or as you said, once they check their balance, find they have been charged more than quoted for a set journey.

I know its not the apps fault, but its another good reason to use cash.

 

[bass_junkie83]

Ordered Pizza from Domino's recently whilst doing a late night job at a mates workshop, went to collect to be met with "Sorry, no cash, card payments only" I explained I had only cash but not acceptable, so their order was wasted and I went to the chippy. Perhaps if they'd told us when the phone order was made we could have made alternative arrangements.

You just fill out a pink slip and come back and pay another day.

 

[cambsno]

Ordered Pizza from Domino's recently whilst doing a late night job at a mates workshop, went to collect to be met with "Sorry, no cash, card payments only" I explained I had only cash but not acceptable, so their order was wasted and I went to the chippy. Perhaps if they'd told us when the phone order was made we could have made alternative arrangements.

As cash is declining in use these days it does make sense for companies not to use it - You have to keep a float, have cash on premises (robbery risk), staff helping themselves, taking to bank etc... Most people have cards (you can get prepaid ones too) so if I ran a business that was luxury/non-essential spend I would probably go cash free too.

 

[cambsno]

On a sideways theme, I rarely use taxi's, ( well private hire anyway) but when I do I phone up and book one.
and pay at the end of the journey in cash. Carefully watching the meter on their phone to make sure
it doesn't do anything untoward.

There are plenty of horror stories, here on the local pages, people book and pay, via the app.
Sometimes the taxis never show, and they hardly if ever get a refund, claiming they did arrive.
Or as you said, once they check their balance, find they have been charged more than quoted for a set journey.

I know its not the apps fault, but its another good reason to use cash.

Never had an issue with Uber - I prefer it, especially when abroad as know exactly what I will spend and know you are not getting ripped off.

 

[cambsno]

Strangely ( or not) one local Chinese take-away, and one local chippy only take cash.
There are others that take both though.

One for the till (tax man), one for the pocket!

Or money laundering as one of our locals was doing. A local pub when taken over by new (and dodgy owners) had their card machine 'not working' 2 weekends in a row!!

 

[Cobra]

Never had an issue with Uber - I prefer it, especially when abroad as know exactly what I will spend and know you are not getting ripped off.

That's not what a lot of local are posting. But then I don't use UBER, I use another one, that they also moan about.

One for the till (tax man), one for the pocket!

Or money laundering as one of our locals was doing. A local pub when taken over by new (and dodgy owners) had their card machine 'not working' 2 weekends in a row!!

I couldn't possibly comment on that

 

[gman]

Allied Irish Bank in Glasgow stopped dealing with cash. It's now closed which is a shame as the customer service was excellent. They cited insurance costs for handling and keeping cash. Makes sense, I would imagine insurance would be fairly steep, especially as the NatWest one block up was previously robbed at gunpoint.

 

[mj4456]

You just fill out a pink slip and come back and pay another day.

That would mean a special trip to return just went to the chippie instead, if they’d mentioned it when we phoned would have made other arrangements.

 

[gman]

Quick example of why I prefer to use the credit card instead of my debit card. I'll keep it short:

Last night I hit a pothole, well more like a bloody mineshaft but such is life on the horrific Glasgow roads: tyre is destroyed. They were all approaching 3mm and being an AWD car it's not the best idea to have wide ranging tread depths. Ordered up four new tyres last night from Blackcircles at a cost of £702 which I put on my credit card and due to be fitted on Saturday morning at a garage I've never used before, but this probably wouldn't happen judging from delivery times and garage opening hours.

I received a call this morning from my usual tyre fitting garage to say some All Seasons I was previously looking for had just arrived and I could get them fitted today at a cost of £730. A result that will get me properly mobile again and away from the space saver, but I've just paid out £702 already. I called up Blackcircles and cancelled the order, but it can take 5-7 business days to refund the money. Meanwhile, I had another £730 to pay for the All Season tyres.

If it had been my debit card then I would be out an extra £702 until about 18th January, but by using the credit card it will have no impact at all as it will all be sorted long before the card is due to be paid. Same could apply for mistaken transaction, accidental duplicates, fraudulent transactions etc. It gives you time to sort it before affecting your bank account and your money.

 

[wyx087]

Whilst I fully agree with everything you say, and would do exactly as you have done......

Credit cards usually have a limit. Sometimes (eg when building credit) it can be quite low. So having £700 extra on the account may push it over the edge for some. At the same time, £1000 is well within realm of emergency fund, so it can be easily moved into debit card for spending and moved back once refund arrives.

The topic is cash, rather than debit card. If this were done via cash at brick & mortar shop, you could go to your first shop, get refund in cash, then go and buy tyres at the second shop.




Sorry, I'm being facetious.

 

[gman]

You work within your limits.

I don't want to move my money when I can use the bank's for free and build credit whist doing so. There's also the extra protection I get, especially for online purchases where you have to wait for the goods.

The topic is 'are you using cash' so discussing alternatives is perfectly reasonable. I don't see anything facetious with your reply, more fastidious if anything but nothing wrong with that.

 

[mj4456]

In the supermarket yesterday, joined the short queue with my carton of milk, got to the front and held out my £2 coin, “card only” he says smugly pointing at a big cardboard sign, with the print facing him not the queue! So I left it and stopped at the local shop on the way home who take cash at all the tills.
I’m told that if this happens you can get a supplementary receipt to take to customer services and pay cash there, not worth the effort for 2 l of milk

 

[Cobra]

So I left it and stopped at the local shop on the way home who take cash at all the tills.

I'd have done the same TBH.
I remember the days when there was a lower limit for using cards on purchases, due to the cost to the retailer.
IIRC it was £5 or £10 minimum spend.

 

[mj4456]

I'd have done the same TBH.
I remember the days when there was a lower limit for using cards on purchases, due to the cost to the retailer.
IIRC it was £5 or £10 minimum spend.

I only really used them as my car was in the car park and herself called telling me to get milk since I was out.

 

[gman]

There's definitely a push towards cashless and it worries me that this will make CBDC all the easier to quietly sneak in. Then Social Credit Scoring will be on the table. I fear we are sleep walking into all this.

 

[Ricardodaforce]

There's definitely a push towards cashless and it worries me that this will make CBDC all the easier to quietly sneak in. Then Social Credit Scoring will be on the table. I fear we are sleep walking into all this.

Post 246. I think you should be more concerned about Alzheimers.

 

[gman]

Post 246. I think you should be more concerned about Alzheimers.

It's called reiterating, although it has also consequently reminded people of your true colours. That'll do nicely.

 

[boogie man]

A knock on effect of cashless society: I was talking to a neighbour yesterday, who organises the local Poppy Day collections in our village. He was saying donations this time are really down on previous ones, mainly because a lot less people are carrying cash to put in the collection tins. I mentioned that next time they’d maybe have to get card readers for the collectors to carry? Unfortunately he thought they might not work because the mobile signal where we live is all but non existent.

 

[mj4456]

The uneducated staff in many shops, pubs etc like card transactions because there’s no counting involved in it for them, simple arithmetic seems beyond many now, don’t even think about handing over the odd change with a banknote, their brain goes into pause mode with that.

 

[Ricardodaforce]

The uneducated staff in many shops, pubs etc like card transactions because there’s no counting involved in it for them, simple arithmetic seems beyond many now, don’t even think about handing over the odd change with a banknote, their brain goes into pause mode with that.

Thats a bit judgmental isn’t it.
Besides tills tell you how much change is due.

 

[mj4456]

That doesn’t help them count it out, some need tills like the self service machines at checkouts.

 

[ancient_mariner]

That doesn’t help them count it out, some need tills like the self service machines at checkouts.

Sad to say, I think you're right, and it's not judgemental at all.