Know people by their Card...

Plxply

Maestro. wrote: »

I am not aware that debit MC gets charged transaction fees like credit card MC will - debit MC and debit Visa are still seperate from their credit card variants and I know that on certain websites you won't get charged for using them while you will with a credit card. Or have I misunderstood you somewhere along the line?

It depends on the retailer, both were designed so that legacy systems can treat them as a normal Visa or Mastercard credit card and the transaction will go through perfectly fine. It's up to the retailer/acquirer if they wish to treat it as a debit card or credit card.

Maestro.

TzarJay wrote: »

and destroyed my Maestro.

:eek:
Did they cut it? I held onto mine and will likely be framing it along with my £1 notes which are now very very rare to see.

Yes, I'm weird

MoneySaverLog

Maestro. wrote: »

:eek:
Did they cut it? I held onto mine and will likely be framing it along with my £1 notes which are now very very rare to see.

Yes, I'm weird

I have a £1 note that has never been in circulation, I wonder what that's worth now?

Comyface

JuicyJesus wrote: »

Call me prejudiced, but I associate being a Santander or Halifax customer with being slightly thick, the sort of person who has a Santander/Halifax account because their mum opened one for them 30 years ago, and also they use cash for everything because they don't trust Direct Debits/debit cards/Faster Payments because their mum didn't either.

I know I'm wrong, but it's what comes to mind.

When Lloyds took over Halifax, they seemed to agree with you. They published the 'customer types' they were going for with each brand. Halifax was 'stupid customers' and Lloyds TSB was 'clever customers'. I might be slightly paraphrasing but that was definitely the impression I got! lol

JuicyJesus

Comyface wrote: »

When Lloyds took over Halifax, they seemed to agree with you. They published the 'customer types' they were going for with each brand. Halifax was 'stupid customers' and Lloyds TSB was 'clever customers'. I might be slightly paraphrasing but that was definitely the impression I got! lol

I'd be interested to read that actually, do you have a link or anything?

Halifax do seem to target themselves to thick people. It occurred to me that their pricing model for overdrafts (i.e. simple round numbers so thick people can count them on their fingers) is precisely the same as Iceland's pricing model for food (i.e. simple round numbers so thick people can count them on their fingers) and so I tend to think of Halifax as like the Iceland of banking, with a similar customer base. Only Iceland actually works out cheaper than the competition...

gallygirl

JuicyJesus wrote: »

Halifax do seem to target themselves to thick people. It occurred to me that their pricing model for overdrafts (i.e. simple round numbers so thick people can count them on their fingers) is precisely the same as Iceland's pricing model for food (i.e. simple round numbers so thick people can count them on their fingers) and so I tend to think of Halifax as like the Iceland of banking, with a similar customer base.

That's probably right as I'm too thick to work out what the equivalent interest rate is for 1k in, 1k out, give me £5 every month please . Though I reckon it's between 110% and 220% depending on whether I leave the 1k in for 1 or 2 days . But am probably wrong as I ran out of fingers and toes .

Mrs_Ryan

I have a Halifax account but with three A-Levels and a uni diploma wouldnt say I'm thick... although its not my main account, that I am smart enough for

JuicyJesus

gallygirl wrote: »

That's probably right as I'm too thick to work out what the equivalent interest rate is for 1k in, 1k out, give me £5 every month please . Though I reckon it's between 110% and 220% depending on whether I leave the 1k in for 1 or 2 days . But am probably wrong as I ran out of fingers and toes .

Hah, I get your point; I don't think all Halifax customers are thick, but that's what comes to mind, and it is who they target themselves at. I do the same thing

BugsyBrowne

I don't think anyone can generalise any bank TBH, they all have generally the same customers, Halifax customers are no different to barclays customers it also depends what's the closest to where you live, wether your parents use a particular bank etc.

Comyface

JuicyJesus wrote: »

I'd be interested to read that actually, do you have a link or anything?

I've just had a mooch on Google but couldn't find anything, sorry. It must have been an internal communication, supposedly to reassure us that all brands were to remain as they were geared to different markets. I used to work for the Building Society and was offended at the time!