Gracy Bee

I HATE my DEBIT CARD!!!

Posted on July 2nd, 2007 by GracyBee.
Categories: General.

Yarks! Yarks! I HATE my SC Debit card!!!!!

I have a certain amount in my acount and today I tried to buy some stuffs in John Little and the total amount is $4 more than the amount in my bank.

It was DECLINED. I was surprised with that. Hm? And I called the customer service. And they told me: No, you can’t use if there is not enough money.

AH?!!??!!

So what it is MASTERCARD on the front? SO WHAT it is platinum??? It don’t even worked like one proper debit card! It is just a NETS card in disguise!! YES…you may guessed it, as long as there is no money in the account, I can’t used it.

What the FUCK!!

Then why the name debit card?? It is supposed to be more superior than NETS, and I am not so much concerned with the promotions that come with it. I AM MORE BLOODY CONCERNED WHAT IT HELP ME WITH!! AND IT CAN’T EVEN PERFORM THE MOST BASIC THING!

^^^^^^

I first used Barclays debit card when I was in the UK, and for the last 7 years there, I have been using it. Oh god! It was so convenient and great! It was tied with my current account, and of course, it worked like a cash card, there has to be money in the bank. BUT one thing. It come with a bank overdraft and that mean I can withdrawal or spent with credit and within the bank overdraft amount. And the best thing, it is a VISA debit card, and I can just used it like a VISA credit card.

BUT in Singapore? NOT AT ALL. There is no bank overdraft (THEN my acount don’t fit to be call current account) and can’t used to spend with credit. THEN WHY THE MASTERCARD? Stupid right??? Then this card is darn useless in this sense. I can’t use it in emergency, I have to constantly look at the level of money and would be worried if I had too much cash in the account. AAAAAAAAAAH

The customer service told me that their debit card is more superior than NETS. WELL, I wanna the comparison between debit cards and NOT with NETS.

Comparison with Barclays Debit card and SC debit card.

Barclays

- it come with a £200 bank overdraft

- I can get cashback in most major supermarkets

- I can use it for credit checks

- I can use it overseas

- It is a cheque guarantee card

- It is my ATM card

-I am able to withdraw at ALL ATMs with no ADDITIONAL COST

-I can use to spend on credit, beyond the amount I had in the account at a certain limit

-I can use it as a credit card at a certain level that I forgot it is a debit card sometimes

SC

- it don’t come with a bank overdraft despite it as a current account

-it is my ATM card

- I can only withdraw at 5 different overseas banks’ ATM

- I can only use for cash back in Cold Storage, provided I don’t use petrol (my god, even have T&C)

- I can’t spend with credit and is useless once the money is not enough

- I am not even sure if I can use it overseas.

DARN IT! Look like I have to stick with it until I find a better one. Hope SC would improve on it. IF NOT, the promotions wouldn’t appeal to me since the card can’t perform the most basic thing.

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