What's Bugging You Today? Vol.1 Part II: Fat Chicks

[Yoshi]

Yesterday I got billed $125 by the Rock Band warranty department for a pair of "not returned" drum pads that UPS claims to have delivered to them on 1/04/08.

The unexpected fee resulted in an overdraft.

And I still have about $150 of books left to buy for the semester.

This is why you use a credit card and not a debit card. I would never, ever use a debit card for anything. It's 10x harder to dispute when they already have your money.

[Othello Harrington]

Amen, plus if you dispute and have tracking, you'll win.

[Hubbitron]

You can just process your debit card as a credit transaction. I don't know why anyone would not do this.

[Othello Harrington]

You can? You can tell how much I use my debit card I guess.

[Hubbitron]

That's the case with most bank cards... Why pay the transaction fee when the merchant can do it for you?

[Othello Harrington]

Nice to know, rep given.

[Brand X]

If you're going to be spending the money anyways why not use a credit card, and you know, build credit?

Hubb, some banks will charge you for processing from your debit as credit. M&T would do that when I had them. What a shitty bank.

[Hubbitron]

Why spend money I don't have?

[Brand X]

No, I'm saying if you're using your debit card and spending money, why not use your credit card and then pay that money you would have spent off. Don't spend it if you don't have it, but if you do, you might as well put it on a credit card and build credit.

[Othello Harrington]

I use my card for the reward points.