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Who uses cheque guarantee card these days?
skyrider007
Posts: 1,108 Forumite
... and what makes HSBC Maestro Card seems like a black AMEX card to some people (because it's relatively hard for certain people to have it).
I've been recently given a Maestro debit card with 100 pound cheque guarantee feature from HSBC as part of my student account upgrade. I don't think I'll ever get to use the card to guarantee any cheque. Previously I had a Solo card and have always thought of it as a "second class" card (I know I'm a bit of a psycho) because all the chavs and kids have it. Anyway, I've never had any problem with my old Solo card being accepted. If Solo is already part of the Maestro card scheme, then why do they still differentiate the brands. I am a bit confused!
My question, really, is what is the use of a cheque guarantee card in the year 2008 when card transactions are on the rise and virtually all high street shops refuse to accept personal cheques? Do you still write cheques when shopping?
I've been recently given a Maestro debit card with 100 pound cheque guarantee feature from HSBC as part of my student account upgrade. I don't think I'll ever get to use the card to guarantee any cheque. Previously I had a Solo card and have always thought of it as a "second class" card (I know I'm a bit of a psycho) because all the chavs and kids have it. Anyway, I've never had any problem with my old Solo card being accepted. If Solo is already part of the Maestro card scheme, then why do they still differentiate the brands. I am a bit confused!
My question, really, is what is the use of a cheque guarantee card in the year 2008 when card transactions are on the rise and virtually all high street shops refuse to accept personal cheques? Do you still write cheques when shopping?
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The card will have a floor limit of around £20-£30 which means the transaction will get authorised regardless of weather there are cleared funds in you account.Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0
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The card will have a floor limit of around £20-£30 which means the transaction will get authorised regardless of weather there are cleared funds in you account.
Thanks. I kinda get the picture now. I've been upgraded from Solo to Maestro on the same day I've been offered overdraft on my account.0 -
Well done.....Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0
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Just to be helpful to you it should be whether and not weather.
ah, yes ...
http://www.mamarocks.com/whether_the_weather.htm
:rotfl:
Seems like NASA forgot to count one "severe financial storm" heading our way ...Imprudent granting of credit is bound to prove just as ruinous to a bank as to any other merchant.
(Ludwig von Mises)0 -
Banks are beginning to offer visa debit and maestro without cheque guarantee included now. I've got a maestro/cheque card from hsbc but no actual cheque book to use with it (part of the green banking thing)....0
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My grammer is rubbish, thankyou for reminding me lol :TSince when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0
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newfoundglory wrote: »Banks are beginning to offer visa debit and maestro without cheque guarantee included now. I've got a maestro/cheque card from hsbc but no actual cheque book to use with it (part of the green banking thing)....
You're right. My friend have just got a Maestro debit card from HSBC but it does not have the cheque guarantee symbol on it. This makes the Maestro card even less distinguishable from the Solo card. Now I see almost no difference between the two cards.0 -
It's not your grammar, more your spelling (sorry, cheap shot).My grammer is rubbish, thankyou for reminding me lol :T
Solo/Electron cards need every transaction to be authorised, whereas Maestro/Visa debit can go through without being authorised. The difference to the consumer is getting to be less now that most retailers can authorise every transaction.0 -
skyrider007 wrote: »You're right. My friend have just got a Maestro debit card from HSBC but it does not have the cheque guarantee symbol on it. This makes the Maestro card even less distinguishable from the Solo card. Now I see almost no difference between the two cards.
I had my Maestro card from HSBC last month and it came with a £100 cheque guarantee on it0
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