Thinkingallowed Posted December 21, 2018 Share Posted December 21, 2018 2 hours ago, Chokdeekap said: I hardly ever used money when I lived in Qatar , I used to have a Uber account so that’s transport covered to the bar , and I used my debit card while in the bar ,if I wanted food I used a good delivery app that I had an account with ..I had a few small denomination notes for tips .... One time when I was working in Norway I was queuing for the ferry to get off the island and head for the airport when I panicked as I realised I'd no cash. Started to think about it and I'd not had any cash for the whole two months trip. Of course the ferry took cards. Link to comment Share on other sites More sharing options...
Bazle Posted December 21, 2018 Share Posted December 21, 2018 I'm resisting going cashless but it's not being made easy. The automated check-out at my local supermarket won't accept cash. A pub I go to sometimes won't accept copper coins (yes, they are within their rights). I didn't ask for it but the bank turned my debit card into contactless, so now I'm having to deal with Transport for London on a card clash problem. Subsequently, the bank has replaced my debit card with a non-contactless one. Link to comment Share on other sites More sharing options...
rajs123 Posted January 21, 2019 Share Posted January 21, 2019 Some customers have the nerve to pay cash at Costco here in the USA :-) I was thinking during my last trip how convenient it would be for the 7-11's to have a prepaid card that one can use in Thailand. Maybe there is already one? Link to comment Share on other sites More sharing options...
Thai Spice Posted January 21, 2019 Share Posted January 21, 2019 45 minutes ago, rajs123 said: I was thinking during my last trip how convenient it would be for the 7-11's to have a prepaid card that one can use in Thailand. Maybe there is already one? I can not understand why all developed countries dont have a system like HKG Octopus card. Can pay MTR, buses, ferry, 7/11, etc... You top it up at any 7/11 or at special machines in the MTR stations. I think Japan is even more developed in this field. Smart wallet in the phone etc... 1 Link to comment Share on other sites More sharing options...
KhunDon Posted January 21, 2019 Share Posted January 21, 2019 Always cash in Thailand, contactless Debit card in UK, for small purchases under £30 and PIN number for over £30 and for online or very large purchases we always put it on wife’s credit card and pay off in full every month. I get daily bank notifications for purchases made on my Debit Card, so I can see what my balance is. We use CC for piece of mind if the product or purchase goes South and we can get all our money back without any hassle. We do pay cash to some people, like gardener, handyman, plumber etc, but that’s usually around £200, no more and I know they’ve done a good job for the money because I’ve seen it with my own eyes. All other bills are paid by DD or Standing Order. Link to comment Share on other sites More sharing options...
galenkia Posted January 22, 2019 Share Posted January 22, 2019 3 minutes ago, KhunDon said: Always cash in Thailand, contactless Debit card in UK, for small purchases under £30 and PIN number for over £30 and for online or very large purchases we always put it on wife’s credit card and pay off in full every month. I get daily bank notifications for purchases made on my Debit Card, so I can see what my balance is. We use CC for piece of mind if the product or purchase goes South and we can get all our money back without any hassle. We do pay cash to some people, like gardener, handyman, plumber etc, but that’s usually around £200, no more and I know they’ve done a good job for the money because I’ve seen it with my own eyes. All other bills are paid by DD or Standing Order. Look at the HiSo with his gardener.😀 2 Link to comment Share on other sites More sharing options...
KhunDon Posted January 22, 2019 Share Posted January 22, 2019 1 minute ago, galenkia said: Look at the HiSo with his gardener.😀 The wife tends to the roses and the stuff in pots and I can just about do a bit of watering with a hosepipe, but me old knackered bones don’t allow me to get down and dirty anymore I’m afraid. So shelling out a grand or so a year is money well spent.🤗 I’d concrete it all over and paint it green if I had my way, but she won’t let me. 😟 1 Link to comment Share on other sites More sharing options...
galenkia Posted January 22, 2019 Share Posted January 22, 2019 1 minute ago, KhunDon said: The wife tends to the roses and the stuff in pots and I can just about do a bit of watering with a hosepipe, but me old knackered bones don’t allow me to get down and dirty anymore I’m afraid. So shelling out a grand or so a year is money well spent.🤗 I’d concrete it all over and paint it green if I had my way, but she won’t let me. 😟 You need some of that plastic grass.Looks okay and no maintenance. Link to comment Share on other sites More sharing options...
Kathmandu Posted January 22, 2019 Share Posted January 22, 2019 1 hour ago, galenkia said: You need some of that plastic grass.Looks okay and no maintenance. How does it hols up to dog piss & shit? Link to comment Share on other sites More sharing options...
Kathmandu Posted January 22, 2019 Share Posted January 22, 2019 On 12/18/2018 at 7:10 PM, Rompho Ray said: The ulterior motive is actually that cash transactions are not traceable, so the government can't tax you as easily, and they can't keep track of your spending as readily. I'm not taxed anymore or any less. I'm making purchases, which are taxed at the same rate whether via cash or credit. Credit gives me cash back or travel rewards. Government keeping tracking of your spending? Well, that ship sailed a long time ago. Link to comment Share on other sites More sharing options...
Rompho Ray Posted January 22, 2019 Share Posted January 22, 2019 1 minute ago, Kathmandu said: I'm not taxed anymore or any less. If someone doesn't report all their income, the government can figure that out if the person buys everything with credit. 2 minutes ago, Kathmandu said: Government keeping tracking of your spending? Well, that ship sailed a long time ago. Only if cash is traceable now. 1 Link to comment Share on other sites More sharing options...
tommy dee Posted January 22, 2019 Share Posted January 22, 2019 On 12/19/2018 at 5:18 PM, Stillearly said: you only need to sign if there is cash back not in aisa, here u will sign every card transaction. most if not all never ask for pin numbers except at ATM here. Link to comment Share on other sites More sharing options...
Kathmandu Posted January 22, 2019 Share Posted January 22, 2019 Come on Ray. Just tell me who is gonna win the Super Bowl, since you have the crystal ball. Link to comment Share on other sites More sharing options...
Rompho Ray Posted January 22, 2019 Share Posted January 22, 2019 Just now, Kathmandu said: Come on Ray. Just tell me who is gonna win the Super Bowl, since you have the crystal ball. It takes a crystal ball to know that cash is not traceable now? 1 Link to comment Share on other sites More sharing options...
STARGAZER Posted January 22, 2019 Share Posted January 22, 2019 5 hours ago, Thai Spice said: I can not understand why all developed countries dont have a system like HKG Octopus card. Can pay MTR, buses, ferry, 7/11, etc... You top it up at any 7/11 or at special machines in the MTR stations. I think Japan is even more developed in this field. Smart wallet in the phone etc... From a tech standpoint and personal loss preventions the top up cards like octupussy and rabbit card here is like using dial up internet. Will be a thing of the past within 2 years. Digital Wallets or QR code payment system is where it is all at. Sure octupussy will partner with a digital wallet platform if they haven't all ready. LINE and Rabbit have partnered here. Outside of paying a moto scooter taxi i could easily go cashless and cc-less here in bangkok no sweat today. https://appsynth.net/blog/thailand-cashless-economy/ Link to comment Share on other sites More sharing options...
STARGAZER Posted January 22, 2019 Share Posted January 22, 2019 (edited) 2 hours ago, tommy dee said: not in aisa, here u will sign every card transaction. most if not all never ask for pin numbers except at ATM here. I am happy to report that is changing in BKG especially for kasikorn card holders be it debit or credit. 6 months ago, never asked for a pin, today, prob about 50% of places i frequent have been supplied with new processing machines and i am asked to put in a pin and not asked to sign anything. I see this as a huge step forward and at current velocity of implementation i would guess 50% will be 90% before july 1. Edited January 22, 2019 by STARGAZER Link to comment Share on other sites More sharing options...
Painter Posted January 22, 2019 Share Posted January 22, 2019 The few times i've used my (uk) credit or debit card here this trip, and i think last, i have been asked for both, pin number and signature. Link to comment Share on other sites More sharing options...
Thai Spice Posted January 22, 2019 Share Posted January 22, 2019 16 minutes ago, STARGAZER said: From a tech standpoint and personal loss preventions the top up cards like octupussy and rabbit card here is like using dial up internet. Will be a thing of the past within 2 years. Digital Wallets or QR code payment system is where it is all at. Sure octupussy will partner with a digital wallet platform if they haven't all ready. LINE and Rabbit have partnered here. Outside of paying a moto scooter taxi i could easily go cashless and cc-less here in bangkok no sweat today. https://appsynth.net/blog/thailand-cashless-economy/ Octopus is not traceable to me or my ID. I buy it without ID. I recharge it with cash. Any QR or digital wallet is linked to the phone, which is linked to me. Worst, the recharging process is likely linked to my bank ? So it is an additional weak entry point for any hacker or malware. Yeah, yeah, I know I am old fashioned..... Link to comment Share on other sites More sharing options...
john luke Posted January 22, 2019 Author Share Posted January 22, 2019 I have been back in the U.K. almost a week and have not used cash at all since my arrival. I have done a food/supermarket shop, green groceries shop. Link to comment Share on other sites More sharing options...
Sir_Fondles Posted January 22, 2019 Share Posted January 22, 2019 3 hours ago, tommy dee said: not in aisa, here u will sign every card transaction. most if not all never ask for pin numbers except at ATM here. Amusing here in Aus when I use my K-bank credit card.. Swipe card then place back in wallet... then sales peep (some have) say WTF... it needs a signature ?..... I smile and sign it... ask them if they want to compare signature on card and they just give me a puzzled look !! 1 Link to comment Share on other sites More sharing options...
Bazle Posted January 22, 2019 Share Posted January 22, 2019 19 minutes ago, john luke said: I have been back in the U.K. almost a week and ..... .... am still jet-lagged! 😊 Link to comment Share on other sites More sharing options...
Stillearly Posted January 22, 2019 Share Posted January 22, 2019 3 hours ago, tommy dee said: not in aisa, here u will sign every card transaction. most if not all never ask for pin numbers except at ATM here. Coffee Club you use your PIN , but I agree most other places I've been to still want a signature Link to comment Share on other sites More sharing options...
john luke Posted January 22, 2019 Author Share Posted January 22, 2019 15 minutes ago, Bazel said: .... am still jet-lagged! 😊 Yes up and breakfast this morning 0530 Link to comment Share on other sites More sharing options...
STARGAZER Posted January 22, 2019 Share Posted January 22, 2019 3 hours ago, Sir_Fondles said: Amusing here in Aus when I use my K-bank credit card.. Swipe card then place back in wallet... then sales peep (some have) say WTF... it needs a signature ?..... I smile and sign it... ask them if they want to compare signature on card and they just give me a puzzled look !! I have used credit and debit cards in my wife's name for 99% of every purchase using plastic in last 10 years. My plastic is foreign, so easier to use local. Never once when I sign my name has anybody ever said, hey that signature doesn't look like the signature on back of the card. (which is in thai, not even english) Never once. 1 Link to comment Share on other sites More sharing options...
Rompho Ray Posted January 22, 2019 Share Posted January 22, 2019 1 minute ago, STARGAZER said: Never once when I sign my name has anybody ever said, hey that signature doesn't look like the signature on back of the card. (which is in thai, not even english) In Thailand I used to sign credit slips "Mickey Mouse" and "Ronald Reagan" until some Thais started saying that my sig didn't match the name on the front of the card. However, when I was down for the count, I was able to let Tum use my debit card to go shopping. Concerning debit card processing, in the US you can skip the signature part by just pressing "enter" when the machine asks for a PIN. I suppose they're supposed to give me a thing to sign, which I would, but they never seem to. Not sure what to make of that. Link to comment Share on other sites More sharing options...
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