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I am an ATM Dinosaur and Other Card Ramblings

March 2nd, 2008 at 10:03 pm

I think I am considered a financial freak by some folk - but that is OK because I usually have the last laugh (or dollar). I went to the bank awhile back (Wamu). They have a card swiping machine at each teller. One can swipe their ATM/debit card for an additional form of ID. I explained that I do not have either type of card. Boy, that teller and the others within earshot swiveled their heads around like Linda Blair from The Exorcist (if you are old enough to remember) ! I was asked why not? I stated that I usually use my credit card and pay in full every month. DH and I have our checks direct deposited. For cash purposes, I receive monthly checks from a retirement account (thanks to my XDH) and deposit those funds in person and take cash back at that time. Those tellers looked at me like I was a dinosaur (which I probably am). For vacations, etc. I do take amounts of cash and use my CCs. I have never had a problem.

I was just wondering -- do you use debit cards or ATM cards on a regular basis? What have been the pros and cons? I did have an ATM over 20 years ago but I stopped using it after 1 year because a friend was robbed after using one.

Posted in Uncategorized | 4 Comments »

4 Responses to “I am an ATM Dinosaur and Other Card Ramblings”

  1. aevans1206 Says:
    March 3rd, 2008 at 04:19 am

    I use an ATM and usually don't carry cash. I only have two credit cards and due to previous mismanagement of money, am not confident enough to pay for everything with them. Pros: never have to carry cash. Cons: you have to really keep a good checkbook register and it's much easier to overspend using it. I am more in agreement with your system. Personally, I'm working on using an envelope system and sticking to a strict budget. Alas, it's pretty hard.

  2. Carolina Bound Says:
    March 3rd, 2008 at 06:28 am

    I use both a debit card and a credit card, but I use the credit card more (and pay it off every month). You are not such a dinosaur. My cousin has never used an ATM. She has also never eaten at a Taco Bell. She floors me sometimes!

  3. Sami Says:
    March 3rd, 2008 at 09:55 am


    I use my ATM/Debit card as my credit card. Not only does it offer me more protection, (theft wise) but, my bank offers points (redeemable for gift cards) when you use your debit card as a credit card. It's a win-win for me.

  4. JanH Says:
    March 3rd, 2008 at 09:56 am

    Up until a couple of years ago, I didn't have a debit card either. My kids thought I was nuts. But, now after it was compromised, I am slowly reverting to cash and credit card usage again. I still don't use the ATM. I guess I am returning to the dinosaur era....

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