American loonie?

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JustinSL
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Post by JustinSL »

I find debit cards annoying. The bank knows where you've went shopping, it takes about 30-45 extra seconds to pay for something (stalling the lineups), you keep forgetting how much money you have left (ugly NSF errors), newbies seem to take forever, lack of privacy, risk of hackers, card is fragile, service charges per swipe, etc.
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Post by rick` »

Coins have been working fine in Australia for a long time.
So has the lack of paper notes now that I think about it.


Coins & polymer notes > your paper money :P
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Post by Kanuck »

MennoniteHobbit wrote: Er... I'd like to call the coins I have by their names, y'know, "penny", "dime", "nickel", etc. :?

Penny, nickel, dime, quarter, loonie, toonie. It's simple enough, and every one of those coins acquired its name by the same means; common usage. Loonie and toonie were never official names for those coins, it's just what people started calling them.

I'm assuming the new $1 coin south of the border will be identical in size and shape to ours? Considering the rest of our currency remains identical, it would be awfully annoying to see the shapes and sizes diverge now.

Heck, it's even a slight advantage for us Canadians, since nobody offers exchange on coins; their $1 coin will be worth more than ours, yet ours will work interchangeably. :)
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JustinSL
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Post by JustinSL »

Vending machine compatibility? Cheap Pepsi for Canadian tourists! :D
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Post by adamsmark »

JustinSL wrote: I find debit cards annoying. The bank knows where you've went shopping, it takes about 30-45 extra seconds to pay for something (stalling the lineups), you keep forgetting how much money you have left (ugly NSF errors), newbies seem to take forever, lack of privacy, risk of hackers, card is fragile, service charges per swipe, etc.


But most others do not. Yes, banks know where you've been shopping, shouldn't they? A debit transaction takes just as long as cash transaction (have you ever watch as a cashier fumbles with coins and bills?). I've never forgotten what I've got in my account. Privacy? Risk of hackers? I've never had a problem. Oh, and fewer places ever charge per swipe as we'd simply opt for "credit" mode. My debit card has the Visa logo on it.
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JustinSL
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Post by JustinSL »

adamsmark wrote: Yes, banks know where you've been shopping, shouldn't they?


Gives me a slightly creepy "Big Brother" feeling. But I s'pose it has its benefits.
adamsmark wrote: Privacy? Risk of hackers? I've never had a problem.


You're lucky (at least for now).
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Post by adamsmark »

JustinSL wrote:
adamsmark wrote:Yes, banks know where you've been shopping, shouldn't they?


Gives me a slightly creepy "Big Brother" feeling. But I s'pose it has its benefits.
adamsmark wrote: Privacy? Risk of hackers? I've never had a problem.


You're lucky (at least for now).


Yeah, but at best, I'm responsible for $50. I was once a victim of credit card fraud. Didn't cost me a penny, and I think the company changed its method of delivery.

If someone steals $4,000 in cash from me, I'm out of luck. With a card, I'm protected.
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Post by Pezzoni »

JustinSL wrote: I find debit cards annoying. The bank knows where you've went shopping, it takes about 30-45 extra seconds to pay for something (stalling the lineups), you keep forgetting how much money you have left (ugly NSF errors), newbies seem to take forever, lack of privacy, risk of hackers, card is fragile, service charges per swipe, etc.

Debit cards are the way forward.
It's quicker to pay (swipe the card, type in PIN, rather than go to bank to get money out, pay, wait for change to be counted etc), and it means that I don't have to carry around any cash (aside from change for busses etc) with me, and I don't get charged anything for using it. It's essentially a VISA credit card, except funds get taken from my account, rather than me being billed.
I'd also like to know exactly how someone can hack a debit card? Even if it does get stolen, or fraud does occour, you are protected by your bank. If I get mugged with £200 on me in cash, I'll never see it again.
JustinSL
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Post by JustinSL »

Maybe Americans/British have superior debit cards than Canadians. My personal encounters with them (my own and others) are not as good as you guys say.
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Post by Mr. C »

I never use anything but my debit card to buy things.
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Post by Nephrus »

JustinSL wrote: Maybe Americans/British have superior debit cards than Canadians. My personal encounters with them (my own and others) are not as good as you guys say.

It's the same system really. I found that I can use my debit card while going to Scotland and my brother was able to use his in Japan with no troubles.

Talk about convenient. It's better than walking through the building with your pants jingling. :D
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JustinSL
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Post by JustinSL »

Many stores experience Interac breakdowns. Thus your card is temporarily useless.

Also it sucks for pizza delivery and other stuff where money is hand-to-hand (no cash register).
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Post by Nephrus »

JustinSL wrote: Many stores experience Interac breakdowns. Thus your card is temporarily useless.

Also it sucks for pizza delivery and other stuff where money is hand-to-hand (no cash register).

Panago and some other pizza places out here have wireless debit machines. And it doesn't take long to bring an interac system back up. ;) I do it daily. :)
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JustinSL
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Post by JustinSL »

I guess it might be the province where I'm at...
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Post by Darth Wong »

Gentlemen, think about this rationally. You can't stick a debit card into a stripper's G-string, can you? Of course, you can't stick a toonie into a stripper's G-string either, but any decent stripper is worth more than a toonie.

In any case, we obviously continue to need cash.
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