Bounced Check

[Danzig]

funny you posted this today, as i just found a $47 mistake earlier when i checked my account online. seems paypaly put a 'hold' on the amount, for a book order. but the order was cancelled, and the hold removed--and so was my money, by my bank--but wasn't put back.

guess where my better half will be tomorrow afternoon?

[timmgirvan]

Great story....thanks!

[Riot]

Originally Posted by Danzig

funny you posted this today, as i just found a $47 mistake earlier when i checked my account online. seems paypaly put a 'hold' on the amount, for a book order. but the order was cancelled, and the hold removed--and so was my money, by my bank--but wasn't put back.

guess where my better half will be tomorrow afternoon?

General advice - if you have a debit card, have them run it through as a credit card any time where you are not personally swiping your own card and inputing your PIN - then no hold on funds occurs, and if there is a problem with the purchase (or someone at the location steals your info to drain your account) the "credit card protection" legality kicks in (you have zero protection with stealing from your account when someone swipes your debit card info - but if you've used your debit card as the "credit" option, you do)

I'm like you - I have a debit card, I love it, and I haven't written more than 1-2 hard-copy checks a month in a couple years

[Danzig]

we got the problem solved with no difficulties.
and yeah, that thing has me spoiled. never seem to carry cash--which on occasion can present a problem when a store has their line down for some reason.
but i no longer have to have a credit card for reservations and such. we haven't had one of those in forever and a day.

[Cajungator26]

Originally Posted by Danzig

we got the problem solved with no difficulties.
and yeah, that thing has me spoiled. never seem to carry cash--which on occasion can present a problem when a store has their line down for some reason.
but i no longer have to have a credit card for reservations and such. we haven't had one of those in forever and a day.

Someone stole my purse with all of my plastic in it... what a nightmare. I was calling everyone and their mother last night to get all of them cancelled. They have my Driver's License, Student ID and checkbook too. I had to put a fraud alert on my credit report today. I wish people could just be honest.

[Danzig]

i had a wallet stolen years ago. only had about 2 bucks in it, but the hassle of going to dmv etc to get stuff replaced....it's awful.
but in this day and age, with id theft, i can't imagine.

and an fyi, no one should ever carry their social security card. keep it locked up at home in a safe place ( we have a safe, but your freezer is an excellent place to keep important papers)-the only time you should break it out is for an employer.
arkansas used to use your ss # as your drivers license #, unless you requested otherwise. of course that's out now.
and don't put that #on your checks either.

on a related note, you're allowed a free peek once a year at your credit reports...i usually check mine at tax time.

[Cajungator26]

Originally Posted by Danzig

i had a wallet stolen years ago. only had about 2 bucks in it, but the hassle of going to dmv etc to get stuff replaced....it's awful.
but in this day and age, with id theft, i can't imagine.

and an fyi, no one should ever carry their social security card. keep it locked up at home in a safe place ( we have a safe, but your freezer is an excellent place to keep important papers)-the only time you should break it out is for an employer.
arkansas used to use your ss # as your drivers license #, unless you requested otherwise. of course that's out now.
and don't put that #on your checks either.

on a related note, you're allowed a free peek once a year at your credit reports...i usually check mine at tax time.

Luckily my SS card wasn't in my purse, but there was enough information in there for them to know my whole life story. On top of that, I had all of the giftcards that I received for Christmas in there. UGH! I dare them to show up at my house for round two.

[golfer]

You need to have your SS card to cash a tax ticket at the track! The only reason I carry mine