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#1
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OT, strange bank options
I was browsing around my credit card's website and these are two categories of options for customer service: Card Services Debit Card Services Activate My Debit Card Deactivate My Debit Card Reissue My Existing Debit Card or ATM Card Change My Debit Card PIN CREDIT CARD SERVICES Report a Lost or Stolen Card Replace a Damaged Card Dispute or Ask About a charge Request Account Disclosures Isn't it strange none of the choices for debit cards are choices for credit cards, and not vice versa either. I would assume that all 8 apply to both (although I don't know what account disclosures are. Is that the terms and conditions?) |
#2
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OT, strange bank options
On 12/15/2017 9:38 AM, micky wrote:
I was browsing around my credit card's website and these are two categories of options for customer service: Card Services Debit Card Services Activate My Debit Card Deactivate My Debit Card Reissue My Existing Debit Card or ATM Card Change My Debit Card PIN CREDIT CARD SERVICES Report a Lost or Stolen Card Replace a Damaged Card Dispute or Ask About a charge Request Account Disclosures Isn't it strange none of the choices for debit cards are choices for credit cards, and not vice versa either. I would assume that all 8 apply to both (although I don't know what account disclosures are. Is that the terms and conditions?) I can do those debit card things using my phone app or on the web but it is the bank web site, not the Master Card site that I do it. My debit card is from a local bank, the CC are not so I can't do those at the same place anyway. |
#3
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OT, strange bank options
In alt.home.repair, on Fri, 15 Dec 2017 09:57:49 -0500, Ed Pawlowski
wrote: On 12/15/2017 9:38 AM, micky wrote: I was browsing around my credit card's website and these are two categories of options for customer service: Card Services Debit Card Services Activate My Debit Card Deactivate My Debit Card Reissue My Existing Debit Card or ATM Card Change My Debit Card PIN CREDIT CARD SERVICES Report a Lost or Stolen Card Replace a Damaged Card Dispute or Ask About a charge Request Account Disclosures Isn't it strange none of the choices for debit cards are choices for credit cards, and not vice versa either. I would assume that all 8 apply to both (although I don't know what account disclosures are. Is that the terms and conditions?) I can do those debit card things using my phone app or on the web but it is the bank web site, not the Master Card site that I do it. I guess I was ambiguous, or - dash the thought - wrong. I was in the credit card section of the bank's web site. My debit card is from a local bank, the CC are not so I can't do those at the same place anyway. Same for me. It's not that I want to do the other four things, or even the four things I can do there. I just don't understand why 4 relate to credit and 4 relate to debit, in their opinion. Will they let one temporarity deactivate his debit card but not his credit card? I thought people with credit got treated better than those other guys, so they should have that ability too. Etc. |
#4
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OT, strange bank options
On Friday, December 15, 2017 at 8:57:57 AM UTC-6, Ed Pawlowski wrote:
I can do those debit card things using my phone app or on the web but it is the bank web site, not the Master Card site that I do it. My debit card is from a local bank, the CC are not so I can't do those at the same place anyway. Same here. My credit cards are not with my local bank either. Changing the subject a bit, Ed. I have an appointment next Thursday to drive the car I'm interested in buying. Wish me luck! But if I don't come home with a new car then it's just not meant for me have one. I've been steeling myself to not be disappointed if we can't come to a deal. |
#5
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OT, strange bank options
On Fri, 15 Dec 2017 09:38:09 -0500, micky
wrote: I was browsing around my credit card's website and these are two categories of options for customer service: Card Services Debit Card Services Activate My Debit Card Deactivate My Debit Card Reissue My Existing Debit Card or ATM Card Change My Debit Card PIN CREDIT CARD SERVICES Report a Lost or Stolen Card Replace a Damaged Card Dispute or Ask About a charge Request Account Disclosures Isn't it strange none of the choices for debit cards are choices for credit cards, and not vice versa either. I would assume that all 8 apply to both (although I don't know what account disclosures are. Is that the terms and conditions?) Debit cards are different than credit cards although some may combine both on the same piece of plastic. It is 2 separate operations at the bank |
#6
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OT, strange bank options
Changing the subject a bit, Ed. I have an appointment next Thursday to drive the car I'm interested in buying. Wish me luck! But if I don't come home with a new car then it's just not meant for me have one. I've been steeling myself to not be disappointed if we can't come to a deal. Put on your poker face and walk in with a clear idea of how-much you will pay ; walk out with determination when the sales-person starts to give you his song & dance. Remember - if you are buying a new 2017 - you suffer an extra year of depreciation as soon as you drive it off the lot. Good luck. John T. |
#7
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OT, strange bank options
On 12/15/17 9:38 AM, micky wrote:
I was browsing around my credit card's website and these are two categories of options for customer service: Card Services Debit Card Services Activate My Debit Card Deactivate My Debit Card Reissue My Existing Debit Card or ATM Card Change My Debit Card PIN CREDIT CARD SERVICES Report a Lost or Stolen Card Replace a Damaged Card Dispute or Ask About a charge Request Account Disclosures Isn't it strange none of the choices for debit cards are choices for credit cards, and not vice versa either. I would assume that all 8 apply to both (although I don't know what account disclosures are. Is that the terms and conditions?) Just post your card number here and we'll help you out, easy-peasy... |
#8
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OT, strange bank options
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#9
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OT, strange bank options
On Friday, December 15, 2017 at 1:07:56 PM UTC-6, wrote:
Changing the subject a bit, Ed. I have an appointment next Thursday to drive the car I'm interested in buying. Wish me luck! But if I don't come home with a new car then it's just not meant for me have one. I've been steeling myself to not be disappointed if we can't come to a deal. Put on your poker face and walk in with a clear idea of how-much you will pay ; walk out with determination when the sales-person starts to give you his song & dance. Remember - if you are buying a new 2017 - you suffer an extra year of depreciation as soon as you drive it off the lot. Good luck. John T. Yes, it's an untitled 2017 model and it's been on their lot for several months. They probably won't agree with me but my way of thinking is sell it to me or let it go to an auction lot in another state. It's been many, many years since I was car buying so I've been studying the model I want, what to pay and add-ons and fees to refuse. There will be some cash to put down, too. It depreciating an extra year won't bother me as I plan on keeping it for a long, long time. The present vehicle I'm driving I've owned for 20 years so depreciation is no concern to me. |
#10
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OT, strange bank options
On 12/15/2017 6:39 PM, ItsJoanNotJoann wrote:
On Friday, December 15, 2017 at 1:07:56 PM UTC-6, wrote: Changing the subject a bit, Ed. I have an appointment next Thursday to drive the car I'm interested in buying. Wish me luck! But if I don't come home with a new car then it's just not meant for me have one. I've been steeling myself to not be disappointed if we can't come to a deal. Put on your poker face and walk in with a clear idea of how-much you will pay ; walk out with determination when the sales-person starts to give you his song & dance. Remember - if you are buying a new 2017 - you suffer an extra year of depreciation as soon as you drive it off the lot. Good luck. John T. Yes, it's an untitled 2017 model and it's been on their lot for several months. They probably won't agree with me but my way of thinking is sell it to me or let it go to an auction lot in another state. It's been many, many years since I was car buying so I've been studying the model I want, what to pay and add-ons and fees to refuse. There will be some cash to put down, too. It depreciating an extra year won't bother me as I plan on keeping it for a long, long time. The present vehicle I'm driving I've owned for 20 years so depreciation is no concern to me. This is supposed to be a good time to buy a car. I hope you do well negotiating. Car buying is a PITA. I bought one in October and I'm thinking it could be my last, at least next to last. I put on less miles now. Good chance they will try to sell you a bunch of extras after you reach a deal. Simonize finishes, extended warranty are two big ones. If you are interested in them, offer 50%. They are very profitable and very negotiable. |
#11
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OT, strange bank options
Changing the subject a bit, Ed. I have an appointment next Thursday to drive the car I'm interested in buying. Wish me luck! But if I don't come home with a new car then it's just not meant for me have one. I've been steeling myself to not be disappointed if we can't come to a deal. Put on your poker face and walk in with a clear idea of how-much you will pay ; walk out with determination when the sales-person starts to give you his song & dance. Remember - if you are buying a new 2017 - you suffer an extra year of depreciation as soon as you drive it off the lot. Good luck. John T. Yes, it's an untitled 2017 model and it's been on their lot for several months. They probably won't agree with me but my way of thinking is sell it to me or let it go to an auction lot in another state. It's been many, many years since I was car buying so I've been studying the model I want, what to pay and add-ons and fees to refuse. There will be some cash to put down, too. It depreciating an extra year won't bother me as I plan on keeping it for a long, long time. The present vehicle I'm driving I've owned for 20 years so depreciation is no concern to me. " Un-Titled " ... not something I'm familiar with .. ... if it's destined for auction - why do you want it ? John T. |
#12
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OT, strange bank options
On Friday, December 15, 2017 at 5:52:49 PM UTC-6, Ed Pawlowski wrote:
On 12/15/2017 6:39 PM, ItsJoanNotJoann wrote: On Friday, December 15, 2017 at 1:07:56 PM UTC-6, wrote: Changing the subject a bit, Ed. I have an appointment next Thursday to drive the car I'm interested in buying. Wish me luck! But if I don't come home with a new car then it's just not meant for me have one. I've been steeling myself to not be disappointed if we can't come to a deal. This is supposed to be a good time to buy a car. I hope you do well negotiating. Car buying is a PITA. I bought one in October and I'm thinking it could be my last, at least next to last. I put on less miles now. Since my Explorer is 22 years old and I've had it 20 years, yeah, I figure this will be my last car. If not, I'll spring for a Lamborghini next time. Hahahahaaaaaaaaa Good chance they will try to sell you a bunch of extras after you reach a deal. Simonize finishes, extended warranty are two big ones. If you are interested in them, offer 50%. They are very profitable and very negotiable. Well, it's coming with a full warranty since it is brand new but no telling what else they'll throw out to further deplete my funds. I'll just have to transform into Ebenezer Scrooge right before their eyes in the office. :-)) |
#13
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OT, strange bank options
On Friday, December 15, 2017 at 5:54:50 PM UTC-6, wrote:
Yes, it's an untitled 2017 model and it's been on their lot for several months. " Un-Titled " ... not something I'm familiar with .. ... if it's destined for auction - why do you want it ? John T. When a car is shipped from the factory to the dealership the title is not issued until a buyer comes along. As far as the auction goes, I'm just supposing since it's a 2017 model they want to move it to make way for the 2018 models. If another dealer said "I'm looking for a 2017 white model with moon roof" then they could ship it to them to sell instead of the auction lot. If that was not the case then they would probably ship to an auction site and then it would be sold in some other area of the country. If we can't come to terms there's two others just like it at AutoTrader.com. Both are in other states but that would not be a problem to go check either one out. |
#14
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OT, strange bank options
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#15
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OT, strange bank options
In alt.home.repair, on Fri, 15 Dec 2017 18:48:31 -0800 (PST),
ItsJoanNotJoann wrote: Well, it's coming with a full warranty since it is brand new but no telling what else they'll throw out to further deplete my funds. I'll just have to transform into Ebenezer Scrooge right before their eyes in the office. If you can, get the heated license plate, both front and rear. |
#16
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OT, strange bank options
In alt.home.repair, on Fri, 15 Dec 2017 18:55:56 -0800 (PST),
ItsJoanNotJoann wrote: On Friday, December 15, 2017 at 5:54:50 PM UTC-6, wrote: Yes, it's an untitled 2017 model and it's been on their lot for several months. " Un-Titled " ... not something I'm familiar with .. ... if it's destined for auction - why do you want it ? John T. When a car is shipped from the factory to the dealership the title is not issued until a buyer comes along. As far as the auction goes, I'm just supposing since it's a 2017 model they want to move it to make way for the 2018 models. If another dealer said "I'm looking for a 2017 white model with moon roof" then they could ship it to them to sell instead of the auction lot. If that was not the case then they would probably ship to an auction site and then it would be sold in some other area of the country. 45 years ago, when I was in Mexico, I got the impression that left-over cars when the model year changed were shipped there. I was thinking of the manufacturer, not individual dealers, but if I'm right, maybe them too. If we can't come to terms there's two others just like it at AutoTrader.com. Both are in other states but that would not be a problem to go check either one out. |
#17
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OT, strange bank options
Yes, it's an untitled 2017 model and it's been on their lot for several months. " Un-Titled " ... not something I'm familiar with .. John T. When a car is shipped from the factory to the dealership the title is not issued until a buyer comes along. Is there some difference between a new car and an un-titled car ? .... I've only ever heard it called a new car.. or perhaps a demo which is treated as new n every respect. John T. |
#18
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OT, strange bank options
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#19
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OT, strange bank options
On Friday, December 15, 2017 at 9:03:21 PM UTC-6, micky wrote:
If you can, get the heated license plate, both front and rear. That is not offered on this model and if it was I would not pay extra for it and sounds a bit silly to me. Plus my state does not require a front license plate; they only issue one plate. |
#20
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OT, strange bank options
On Saturday, December 16, 2017 at 8:34:29 AM UTC-6, wrote:
Is there some difference between a new car and an un-titled car ? ... I've only ever heard it called a new car.. or perhaps a demo which is treated as new n every respect. John T. Not that I know of. |
#21
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OT, strange bank options
On Saturday, December 16, 2017 at 12:19:25 PM UTC-6, wrote:
We are simply talking about a car that is sold still only having the manufacturer's certificate of origin in it. Dealers can slap a dealer tag on a car like that and drive it for years. It can also just sit on the lot until it is sold as long as the MFG will keep it on the floor plan. It might also be shipped to another dealer who thinks he has a better chance of selling it. My wife bought a 2009 Lincoln MKX after the 2011s were sitting on the floor (late 10). It was never titled and we got a heluva deal on it. The warranty clock did not start running until we titled it. We still have it so the model year is not really that important anymore. Other factors are more important than "year" on a car that old. BINGO! I'm going to be awfully nosey. How much did they come off the asking price? |
#22
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OT, strange bank options
Yes, it's an untitled 2017 model and it's been on their lot for several months. " Un-Titled " ... not something I'm familiar with .. John T. When a car is shipped from the factory to the dealership the title is not issued until a buyer comes along. Is there some difference between a new car and an un-titled car ? ... I've only ever heard it called a new car.. or perhaps a demo which is treated as new n every respect. John T. We are simply talking about a car that is sold still only having the manufacturer's certificate of origin in it. Dealers can slap a dealer tag on a car like that and drive it for years. It can also just sit on the lot until it is sold as long as the MFG will keep it on the floor plan. It might also be shipped to another dealer who thinks he has a better chance of selling it. My wife bought a 2009 Lincoln MKX after the 2011s were sitting on the floor (late 10). It was never titled and we got a heluva deal on it. The warranty clock did not start running until we titled it. We still have it so the model year is not really that important anymore. Other factors are more important than "year" on a car that old. It's a new car or a used car - why complicate things with " titled " ... ? is what I'm saying. Dunno. Where I live - a new car will not sit on the lot for years - ever. On a very rare occasion you might see a new car that is 2-model-years-old ... it will be drastically discounted. My car crappy Kia Rondo was purchased literally off the showroom floor - but it was 1 model-year-old - the discount was about $ 3,000. off list price. I figured there was not much wiggle room - but I made an offer that included 4 winter tires on rims - and I declined every extra - : rust proofing : extended warranty : floor mats : wifi etc etc Recent Hyundai adverts seem to support that ~ 3 grand is the Canadian discount on last years models. John T. |
#23
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OT, strange bank options
On Sat, 16 Dec 2017 13:30:54 -0800 (PST), ItsJoanNotJoann
wrote: On Saturday, December 16, 2017 at 12:19:25 PM UTC-6, wrote: We are simply talking about a car that is sold still only having the manufacturer's certificate of origin in it. Dealers can slap a dealer tag on a car like that and drive it for years. It can also just sit on the lot until it is sold as long as the MFG will keep it on the floor plan. It might also be shipped to another dealer who thinks he has a better chance of selling it. My wife bought a 2009 Lincoln MKX after the 2011s were sitting on the floor (late 10). It was never titled and we got a heluva deal on it. The warranty clock did not start running until we titled it. We still have it so the model year is not really that important anymore. Other factors are more important than "year" on a car that old. BINGO! I'm going to be awfully nosey. How much did they come off the asking price? We were out the door for $26,000 and a F150 (clunker) for a $53,000 (sticker) Lincoln. |
#24
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OT, strange bank options
On Saturday, December 16, 2017 at 5:06:54 PM UTC-6, wrote:
Yes, it's an untitled 2017 model and it's been on their lot for several months. " Un-Titled " ... not something I'm familiar with .. John T. When a car is shipped from the factory to the dealership the title is not issued until a buyer comes along. Is there some difference between a new car and an un-titled car ? ... I've only ever heard it called a new car.. or perhaps a demo which is treated as new n every respect. John T. We are simply talking about a car that is sold still only having the manufacturer's certificate of origin in it. Dealers can slap a dealer tag on a car like that and drive it for years. It can also just sit on the lot until it is sold as long as the MFG will keep it on the floor plan. It might also be shipped to another dealer who thinks he has a better chance of selling it. My wife bought a 2009 Lincoln MKX after the 2011s were sitting on the floor (late 10). It was never titled and we got a heluva deal on it. The warranty clock did not start running until we titled it. We still have it so the model year is not really that important anymore. Other factors are more important than "year" on a car that old. It's a new car or a used car - why complicate things with " titled " ... ? is what I'm saying. Dunno. My December reply stated it is a 2017 model. Where I live - a new car will not sit on the lot for years - ever. On a very rare occasion you might see a new car that is 2-model-years-old ... it will be drastically discounted. It's not been sitting on their lot for years. It's been on their lot since summer. My car crappy Kia Rondo was purchased literally off the showroom floor - but it was 1 model-year-old - the discount was about $ 3,000. off list price. I figured there was not much wiggle room - but I made an offer that included 4 winter tires on rims - and I declined every extra - : rust proofing : extended warranty : floor mats : wifi etc etc Recent Hyundai adverts seem to support that ~ 3 grand is the Canadian discount on last years models. John T. Well, I'm also looking at the same car in Kansas with 5600 miles on it. It has the EXACT SAME features as this untitled car I will be test driving on Thursday; same engine, same size wheels, same everything. The only difference is the color and it's listed for $41,399; the one I will be gazing at has 11 miles on it and it's listed for $53,800. No way, no how, will I pay $53,800. There's two or three others on AutoTrader that have caught my eye and I've looked at the Carfax report for all of them. |
#25
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OT, strange bank options
On Saturday, December 16, 2017 at 7:24:20 PM UTC-6, wrote:
On Sat, 16 Dec 2017 13:30:54 -0800 (PST), ItsJoanNotJoann wrote: I'm going to be awfully nosey. How much did they come off the asking price? We were out the door for $26,000 and a F150 (clunker) for a $53,000 (sticker) Lincoln. Sounds like you did exceptionally well on that purchase! |
#26
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OT, strange bank options
On Sat, 16 Dec 2017 18:28:43 -0800 (PST), ItsJoanNotJoann
wrote: On Saturday, December 16, 2017 at 7:24:20 PM UTC-6, wrote: On Sat, 16 Dec 2017 13:30:54 -0800 (PST), ItsJoanNotJoann wrote: I'm going to be awfully nosey. How much did they come off the asking price? We were out the door for $26,000 and a F150 (clunker) for a $53,000 (sticker) Lincoln. Sounds like you did exceptionally well on that purchase! Having money to spend in a depression is always going to be a force multiplier. |
#27
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OT, strange bank options
Well, I'm also looking at the same car in Kansas with 5600 miles on it. It has the EXACT SAME features as this untitled car I will be test driving on Thursday; same engine, same size wheels, same everything. The only difference is the color and it's listed for $41,399; the one I will be gazing at has 11 miles on it and it's listed for $53,800. No way, no how, will I pay $53,800. There's two or three others on AutoTrader that have caught my eye and I've looked at the Carfax report for all of them. Look carefully at all the history of a used car - make sure that it isn't an insurance write-off or previous daily rental. Here in Canada, the unscrupulous dealers will hide the cars history by border-crossing - out-of-province or out-of-country is a red flag. The discount off those new 50 grand vehicles will be much more than my 20 grand econo hatchback. I've heard of 10 grand discounts on fancy pick-up trucks - to clear out last model year for brand new ones or demo units. John T. |
#28
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OT, strange bank options
On Sunday, December 17, 2017 at 8:52:06 AM UTC-6, wrote:
Well, I'm also looking at the same car in Kansas with 5600 miles on it. It has the EXACT SAME features as this untitled car I will be test driving on Thursday; same engine, same size wheels, same everything. The only difference is the color and it's listed for $41,399; the one I will be gazing at has 11 miles on it and it's listed for $53,800. No way, no how, will I pay $53,800. There's two or three others on AutoTrader that have caught my eye and I've looked at the Carfax report for all of them. Look carefully at all the history of a used car - make sure that it isn't an insurance write-off or previous daily rental. Here in Canada, the unscrupulous dealers will hide the cars history by border-crossing - out-of-province or out-of-country is a red flag. Nope. I've already looked at the Carfax reports of each of the cars offered at AutoTrader. The car I'm interested in is made right here in the U.S.A. The discount off those new 50 grand vehicles will be much more than my 20 grand econo hatchback. I've heard of 10 grand discounts on fancy pick-up trucks - to clear out last model year for brand new ones or demo units. John T. I'm hoping they'll throw a 10 grand deal at me, more would be welcomed of course. I'm really hoping the dealership I'm heading to that's about 50 miles from me will be receptive. That will be easier than me traveling out of state. Wish me luck! :-) |
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