I'm guessing you meant to say "use their credit card but elect to use it as a debit card"? Otherwise I'm not sure what you mean. 
And no, I don't think they do factor it in, for statistics like those.
And no, I don't think they do factor it in, for statistics like those. It's my debit card; it's issued through my checking account bank and is what I use to withdraw cash from my account at ATMs. But if I elect to use it as a "credit" card at the POS I don't use my PIN and I sign instead. And with the new regulations on overdrafts, it doesn't extend "credit" unless the consumer has specifically arranged with the bank for that to be permitted. So mine would disallow a purchase if the account didn't contain sufficient funds.
It's interesting though, how large differences between countries can be in terms of which banking products and services are used. For instance, in Belgium, checks are hardly ever used, compared to the US, but that isn't by any means a European thing, as the French for instance use them all the time as well. And while it's rather self-evident to most people here to pay things like rent and other non-varying recurring bills through automated monthly bank transfers, in other countries that's rarely done.
True.
If you are from Betelgeuse, please have one of your Earth friends read what I've written before you respond. Or try concentrating harder.
"The trophy problem has become extreme."
"The trophy problem has become extreme."
Fed Proposes 12-Cent Max Fee On Merchant Debit Fees
- 17/12/2010 06:00:35 PM
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I'm a little iffy on this
- 17/12/2010 09:08:56 PM
457 Views
It may hurt consumers, it will hurt the banks
- 18/12/2010 06:03:40 AM
515 Views
I'd like to use credit cards more without feeling guilty that it's costing the business money. *NM*
- 20/12/2010 03:26:04 PM
216 Views
I'm so glad Visa and Mastercard are so worried about consumers, especially given THEIR tight budgets
- 17/12/2010 09:14:53 PM
620 Views
You do know Barney Frank (Democrat and major liberal and progressive) is against the change 
- 18/12/2010 06:18:37 AM
593 Views
- 18/12/2010 06:18:37 AM
593 Views
I didn't; guess that just means he's wrong. I fail to see how opposing this is progressive at all.
- 18/12/2010 12:49:36 PM
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It has nothing to do with being progressive, it has everything to do with his banker constituents. *NM*
- 20/12/2010 01:30:04 PM
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I figured, but, as you say, nothing progressive in that.
- 20/12/2010 02:44:47 PM
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I am just pointing out that Evil is not unique to a single political party
- 20/12/2010 06:56:29 PM
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It wouldn't be nearly as effective it it were; it's quite systemic, for a reason.
- 20/12/2010 07:46:29 PM
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Sounds good to me, but it does seem like a natural monopoly, so that competition idea... eh.
- 17/12/2010 09:37:20 PM
519 Views
Curious.
- 20/12/2010 07:02:05 PM
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True, that does amount to largely the same thing.
- 20/12/2010 07:12:27 PM
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I don't think so?
- 20/12/2010 07:21:32 PM
533 Views
I am not sure what the proper amount should be but there does need to be limits
- 20/12/2010 11:10:18 PM
624 Views