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Cash
Sept 13, 2021 12:23:39 GMT
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Post by talkingheads on Sept 13, 2021 12:23:39 GMT
If a place doesn't accept card these days I am unlikely to shop there. Cash was unhygienic even before the pandemic (the amount of women who used to hand over notes they'd kept in their bra) so the sooner we are a cashless society the better.
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Cash
Sept 13, 2021 12:25:07 GMT
Post by Jon on Sept 13, 2021 12:25:07 GMT
I've seen ads for Square which is a card payment system and I wonder if the companies which traditionally use cash like markets and food vans would purchase them as they're not expensive and would attract someone who only uses card or a mobile wallet.
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Sept 13, 2021 12:34:12 GMT
Post by sfsusan on Sept 13, 2021 12:34:12 GMT
I've seen ads for Square which is a card payment system and I wonder if the companies which traditionally use cash like markets and food vans would purchase them... Yes, I've seen market stalls, taxi drivers and others use Square to accept cards. I've also used PayPal (or similar) if someone doesn't take cards directly. Going back to a previous comment, one reason I can see for not allowing employees to pay via their own cards and collect cash from the customers is that it would be very easy to skim money doing so. Someone buys something that costs 4.50 and hands over a fiver. "Sorry, I can't make change since we don't accept cash". They pay 4.50 on their card and make 50p profit on the deal. |
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Post by marob on Sept 13, 2021 13:15:46 GMT
I know someone who used to go on those stakeouts to restaurants/takeaways too. Knowing they look out for stuff like that makes me a bit suspicious when businesses don’t take cards nowadays.
Like when the first lockdown happened and a nearby farm shop went from doing a slow but steady trade to having people queuing down the street to get in. Around the same time their card machine conveniently stopped working…🤔
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Sept 13, 2021 13:21:50 GMT
Post by BurlyBeaR on Sept 13, 2021 13:21:50 GMT
And black cab drivers who all got credit card machines installed when Uber came along, but when you want to use it it’s “out of order, mate”.
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Sept 13, 2021 15:15:34 GMT
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Post by TallPaul on Sept 13, 2021 15:15:34 GMT
Who knew that breasts are so unhygienic? It's a wonder most of us make it out of nappies! All those midwives and health visitors must have been wrong all these years.
I'm afraid anyone looking forward to a cashless society has absolutely no idea how real people live their lives. For example, when I was in a shop on Saturday, waiting to pay my £1.79 in cash, the man in front was using the Paypoint terminal, which in that particular shop has to be done with cash. Even if he'd gone next door to the Post Office and paid by debit card, the cashiers seem to take cash from one draw and put it in another.
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Post by Phantom of London on Sept 13, 2021 17:18:29 GMT
When I was Frozen a week or so again, I went to buy a programme, when the usher very politely told me "we only now except cards only sir," so years of paying by cash is very habit forming for me, so I was more than happy to pay with my card, then I said as quick as a shot to the usher "the cards don't both me anyway." That ushers was hysterics and made his day.
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Sept 13, 2021 21:15:58 GMT
Post by Phantom of London on Sept 13, 2021 21:15:58 GMT
And black cab drivers who all got credit card machines installed when Uber came along, but when you want to use it it’s “out of order, mate”. Interesting one. TFL say that all cabs must except payment cards, so the passenger has a right to pay by card. So if their card machine is out of order and the passenger doesn’t have cash and I’m sure that the cabbie won’t tell you from the start of the journey that their card machine is out of order. What is the passenger meant to do? If they then turn the machine on and say something along the lines, “it is temperamental and it might just start working again.” Then I certainly wouldn’t tip. I am surprised how people are tolerant on other people not to pay tax or very little tax, I find that mind boggling. |
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Sept 13, 2021 22:23:35 GMT
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Post by Kim_Bahorel on Sept 13, 2021 22:23:35 GMT
I have given up on the idea of going back to theatre and if it goes cashless then I don't have and can't get a debit card. Someone suggested a card and tried to apply and I was rejected. I don't hold any hope for my future to be honest.
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Sept 14, 2021 10:59:00 GMT
Post by MrBraithwaite on Sept 14, 2021 10:59:00 GMT
Quite shocked about the no-cash policy in England when I was there two weeks ago. Theatres, museums. Took me a while to figure out, who accepts cash. Thankfully I came prepared this time, but normally don't pay a few pounds with credit card...can be incredibly expensive for foreign tourists, if they have the wrong card.
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Post by lynette on Sept 14, 2021 17:00:08 GMT
And black cab drivers who all got credit card machines installed when Uber came along, but when you want to use it it’s “out of order, mate”. Interesting one. TFL say that all cabs must except payment cards, so the passenger has a right to pay by card. So if their card machine is out of order and the passenger doesn’t have cash and I’m sure that the cabbie won’t tell you from the start of the journey that their card machine is out of order. What is the passenger meant to do? If they then turn the machine on and say something along the lines, “it is temperamental and it might just start working again.” Then I certainly wouldn’t tip. I am surprised how people are tolerant on other people not to pay tax or very little tax, I find that mind boggling. The machine costs them of course and you have to awkwardly add the tip ( prob people don't bother now so much) so extends the transaction. Before you would just round up the cash you had in your hand as you ran out…most times in black cabs recently it has been obvious the driver didn’t want me to use the machine except one chap whose machine worked fast and efficiently. |
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Sept 14, 2021 17:20:00 GMT
Post by londonpostie on Sept 14, 2021 17:20:00 GMT
I might not have used cash for a year and have made no conscious decision to do that. It seems I decided to carry an emergency tenner otherwise my little wallet only contains a contactless debit card and Oyster card. I can't even think when I last had change rattling in a pocket. Had no idea.
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Sept 14, 2021 17:39:05 GMT
Post by BurlyBeaR on Sept 14, 2021 17:39:05 GMT
I might not have used cash for a year and have made no conscious decision to do that. It seems I decided to carry an emergency tenner otherwise my little wallet only contains a contactless debit card and Oyster card. I can't even think when I last had change rattling in a pocket. Had no idea. Same. I used to put my loose change in a jar and then cash it in at a Coinstar machine. The jar’s empty! And I found some old £20 notes and had a panic that they’d expired, had to Google to find out it’s not until September 22. |
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Sept 14, 2021 18:41:54 GMT
Post by Deleted on Sept 14, 2021 18:41:54 GMT
And I found some old £20 notes and had a panic that they’d expired, had to Google to find out it’s not until September 22 Argh! For a moment there I thought you meant next Wednesday, and then I checked and it's September 2022.
(It's only a year. What am I going to be able to spend £80 cash on in a year?)
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Sept 14, 2021 22:24:27 GMT
Post by Phantom of London on Sept 14, 2021 22:24:27 GMT
Interesting one. TFL say that all cabs must except payment cards, so the passenger has a right to pay by card. So if their card machine is out of order and the passenger doesn’t have cash and I’m sure that the cabbie won’t tell you from the start of the journey that their card machine is out of order. What is the passenger meant to do? If they then turn the machine on and say something along the lines, “it is temperamental and it might just start working again.” Then I certainly wouldn’t tip. I am surprised how people are tolerant on other people not to pay tax or very little tax, I find that mind boggling. The machine costs them of course and you have to awkwardly add the tip ( prob people don't bother now so much) so extends the transaction. Before you would just round up the cash you had in your hand as you ran out…most times in black cabs recently it has been obvious the driver didn’t want me to use the machine except one chap whose machine worked fast and efficiently. It is a difficult one. It is fair to say that black cabs are very tax efficient, they generally use the same accountant and I have heard they one driver only payed £400 tax a year. Which is abhorrent, as they done well with furlough. It is a TFL requirement that black cabs take cards, it is the passenger’s right to pay with a card. So the passenger is in their rights to not pay the driver? I prefer Uber than black cabs, for that reason. |
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Sept 14, 2021 22:30:25 GMT
Post by Jon on Sept 14, 2021 22:30:25 GMT
I find it strange that they've given the £20 note a lengthy withdrawal period compared to the other notes. I suppose if it weren't for the pandemic, it'd have been withdrawn this year.
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Sept 15, 2021 9:30:30 GMT
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Post by hairspray57 on Sept 15, 2021 9:30:30 GMT
I'm afraid anyone looking forward to a cashless society has absolutely no idea how real people live their lives. The world changes and people move with it. Real people lived their lives without electricity, the NHS, television, minimum wage, mobile phones and the internet - we adapt and get used to the new norm. Twenty years ago CDs and DVDs were king and we’ve all adapted well to non-physical forms like legal downloads and then streaming. Fifteen years ago the idea of logging into your bank account and paying your bills through a mobile phone app would have sounded impossible. Ten years ago a new ABBA album sounded like crazy talk. Five years ago the idea of paying to watch live theatre broadcasts from the comfort of your sofa would have felt pointless. We will become a cashless society. It won’t happen overnight but it will come because the truth is we don’t need it and the only reason we use it now is because independent retail isn’t setup for cashless payments yet and old habits die hard. Kids are getting their own cash cards from around the age of six now - GoHenry cards are becoming incredibly popular, so we are probably just a generation or two away from a real conversation about a cashless society. There is still a fair amount of people who use little or no internet on a daily basis. My neighbour has no access whatsoever for example. And quit a lot of those who use it daily for communication or looking up the news or weather or stuff on Google don’t use online banking. Banks are still pretty busy. |
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Post by Kim_Bahorel on Sept 15, 2021 10:11:05 GMT
I know people are posting that they don't use cash and that. But you have to think of people who can't use cards or can't get cards when you are doing this. The more and more it happens people are going to phased out of being able to live - full stop! If companys cut off that resource for people now in shops many shops aren't taking cash. So I am living on a edge that when my phone breaks or my cooker breaks I can't get a new one because all the companies have decided that money is dirty. As consumers that I am assuming have a conscience have to really stop thinking of themselves otherwise I literally have no future.
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Sept 15, 2021 10:36:29 GMT
Post by londonpostie on Sept 15, 2021 10:36:29 GMT
Just in case ... contactless payment (i.e. with a card) does not have to mean internet banking. It's also not a credit card.
It's a card with a chip, which is directly linked to your account. When you make a contactless payment the amount you are paying automatically comes out of your account right then.
Fwiw, I avoided it at first and had the most basic free account. Then one day I was in Santander and they said about contactless and opened up a separate account which I use for contactless and Internet shopping.
You can move money from one account to the other at the hole in the wall - take out cash of one, pay it into the other. You can also do that at the counter or online.
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Sept 15, 2021 10:49:23 GMT
Post by hairspray57 on Sept 15, 2021 10:49:23 GMT
Just in case ... contactless payment (i.e. with a card) does not have to mean internet banking. It's also not a credit card. It's a card with a chip, which is directly linked to your account. When you make a contactless payment the amount you are paying automatically comes out of your account right then. Fwiw, I avoided it at first and had the most basic free account. Then one day I was in Santander and they said about contactless and opened up a separate account which I use for contactless and Internet shopping. You can move money from one account to the other at the hole in the wall - take out cash of one, pay it into the other. You can also do that at the counter or online. The thing is those who don’t online bank rely on only their monthly statements for banking. With contactless lots of small payments become harder and harder to keep track of so those people often prefer Cash for the smaller things. |
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Sept 15, 2021 11:38:14 GMT
Post by londonpostie on Sept 15, 2021 11:38:14 GMT
That's a point. Fwiw, you can get those mini statements from the hole in the wall, or just get a balance on the screen.
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Sept 15, 2021 12:55:18 GMT
Post by christya on Sept 15, 2021 12:55:18 GMT
I doubt I'll ever go back to using cash. I keep some in my purse for situations where card payments aren't available, but I honestly couldn't tell you what's in there just now as I haven't had any reason to look for months. I've also managed to get the parents to move from cash to card - contactless has been a real winner for them, as has showing them how to use internet banking. Though Dad will still insist on reconciling his bank statement each month, even though he's already seen a more up to date version of it online.
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Sept 15, 2021 14:06:56 GMT
Post by Phantom of London on Sept 15, 2021 14:06:56 GMT
Exactly those monthly bank statement is a long time to wait, if someone has wiped your bank account. At least on the phone I can micro mange my bank account and don't have to try and remember what a withdrawal was from 25 days ago and if I made it.
On the radio the other night it informed me than since the pandemic begun a 1000 bank branches have shut and the same amount of ATMs.
I can remember the last time I set foot into a bank, nor remember the last time I went in a Post Office, I am actually old enough to remember I could get a passport from the Post Office.
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Sept 15, 2021 14:20:09 GMT
Post by BurlyBeaR on Sept 15, 2021 14:20:09 GMT
I know people are posting that they don't use cash and that. But you have to think of people who can't use cards or can't get cards when you are doing this. The more and more it happens people are going to phased out of being able to live - full stop! If companys cut off that resource for people now in shops many shops aren't taking cash. So I am living on a edge that when my phone breaks or my cooker breaks I can't get a new one because all the companies have decided that money is dirty. As consumers that I am assuming have a conscience have to really stop thinking of themselves otherwise I literally have no future. Not wishing to be nosey so please feel free not to reply but what’s the reason they give why you can’t get a card? Do you live at an address where someone left a bad credit history or something? I recall you saying before that you don’t have a GP either so it all sounds a bit “off grid”. There are specialist credit companies who can help with problems with credit history etc, they might charge a much higher APR if you borrow but the answer to that is to have the discipline to pay the balance in full, by direct debit so you never carry a balance over. Without knowing what the problem is it’s a bit difficult for members to advise, and I’m sure people here would like to help because you’re 100% right that life without being able to pay by card is going to be very difficult moving forward. |
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Sept 15, 2021 14:27:32 GMT
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Post by Deleted on Sept 15, 2021 14:27:32 GMT
I know people are posting that they don't use cash and that. But you have to think of people who can't use cards or can't get cards when you are doing this. The more and more it happens people are going to phased out of being able to live - full stop! If companys cut off that resource for people now in shops many shops aren't taking cash. So I am living on a edge that when my phone breaks or my cooker breaks I can't get a new one because all the companies have decided that money is dirty. As consumers that I am assuming have a conscience have to really stop thinking of themselves otherwise I literally have no future. Not wishing to be nosey so please feel free not to reply but what’s the reason they give why you can’t get a card? Do you live at an address where someone left a bad credit history or something? I recall you saying before that you don’t have a GP either so it all sounds a bit “off grid”. There are specialist credit companies who can help with problems with credit history etc, they might charge a much higher APR if you borrow but the answer to that is to have the discipline to pay the balance in full, by direct debit so you never carry a balance over. Without knowing what the problem is it’s a bit difficult for members to advise, and I’m sure people here would like to help because you’re 100% right that life without being able to pay by card is going to be very difficult moving forward. Pretty much everyone can get access to a card these days. Obviously, debit and credit cards are different things. But I don't even think you need a registered address now to get a debit card. Credit cards are a different ballgame though. People who aren't disciplined enough, shouldn't get a credit card. I've seen, firsthand, people go bankrupt because they are inept. Credit cards are dangerous unless used very wisely. |
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