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I know there was a thread ages ago (a few years even), about woolworths and associates not allowing you to use the credit option with a visa debit card...
They are now allowing you to use the credit option. As of last week apparently (according to some articles when I googled, but don't know how to link on my ph). I know it annoyed me at times with one if our accounts, so just in case anyone else is interested..
You could always use it. You just had to choose savings instead of credit.
Yes but the credit option is back.
Woo hoo. :) don't know why they changed in the first place.
I know that. But some banks charged fees for that.. And I remember a lot of people on here were frustrated, so letting them know the change. I found out when using the account that I rarely used cause of fees. It wasn't as well promoted as when the took it away.:
You could use saving yes... as long as you weren't a douche like me & did all your shopping, used up your cash (savings) limit for the day, then tried to do your food shopping at woolworths. With no credit option I was screwed. 3 hours from home & the cash limit is for the card, not just your savings account (couldn't transfer the money into my other account I have under cheque).
Mine is Mastercard debit though. Not Visa.
I heard a little while ago that because so many customers complained and stopped shopping at woolworths that they were going to allow the credit option again. I work at Dan Murphys and would cop so much abuse, or people who just didn't understand they couldn't select credit which would send me bonkers!! :wall: they would keep pressing credit and say over and over "but i want to pay on credit" :doh:
Now all they need to do is bring in the tap and go option and it'll be sweet.
Huh. Unfortunately for them, in the two years since they did it, I've become completely accustomed to not shopping there. (between that and their mass poke ownership) So I'm gone for good.
I'll write anyway.
Just on another note, I *hate* pay wave and the shop assistants etc that think you should have to use it. Particularly the asshats at drive thru maccas etc who take your card and then assume its ok. After a few nasty letters they now hand me the eft machine!
Awesome!!! This gave me the poops big time, we have unlimited free credit transactions and very limited savings. WIN
I've not felt comfortable with the paywave since it was done the first time at a macca's drive through. No PIN, signature, nothing. Whats the point in having the security of a PIN number if you're just going to hand your cash over anyway? It is a $100 limit, but thats not very reassuring for me!:
I have used it. The first time I did it myself it was an accident. The other 2 or 3 times I planned to use the credit option anyway & it was just convenient. But I really don't like that someone out there could take my card & spend an unlimited amount of $99 a time of my money.
Thankfully, there's never $99 in mine to start with! Don't bother with my paywave, you'd strike out ;) But it is linked to my main account.
lucky for me with anz u dont pay fees for either option
I don't get it when people complain about paypass/paywave. It's brilliantly convenient, there's no risk, as the banks will refund disputed paypass transactions and I've not come across a merchant who has the facility who has a minimum transaction amount. Although I try to avoid woolies/Coles im happy I can paypass at woolies again!
Me either :dunno: With my bank any paywave transactions i have take up to 3 days to clear so in the event of a stolen card they can be easily fixed.:
Recovering fraudulently used or stolen funds from your bank is not that simple, despite it being obvious they are stolen. It can still take weeks for the bank to refund the money to you, and many people don't have money to waste like that.:
i dislike it because it takes three dayds to clear. i hate spending funds on credit because it means ive allocated money thats njot actually gone straight away. when you have times where you live paycheck to paycheck its not has brilliantly convenient for others.
the fact that taxi drivers and sales assistants or cashiers etc think its ok to paypass without even asking is also NOT OK with me. they say its the same thing but its not.
its still my money but i prefer my transaction to come through straight away.
I don't have a pay wave card but notice that with big w and a few other shops forgot which ones, you spend under 30 and you don't need a pin or signature!
The transaction just goes through and this isn't with a pay wave swiper thing
I was quite shocked when that happened but then got use to it, although do question how secure it is.
I use paypass & quite like it. I haven't had any sales people/ shop assistants automatically assume, most times the opposite b/c have a chip card, so they go to automatically insert it - either way I don't mind but given what others have said about the three day clearance and living week to week, I can understand the reason to opt out or not want to use it.
I don't use my VISA debit b/c I have a VISA credit card but I know my sister will be happy now - thanks for the information
Dan Murphys also do it, i've had many of my customers get really cranky at me for it.: