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How do I use a credit card at the grocery?

Frequent Contributor

Re: How do I use a credit card at the grocery?

 


jaysdad2k wrote:

Joe,

 

If you are using your new TE card, they will use it as your member card and swipe it.

 

Then they will ask if you want to leave your purchase on the card. You can say, Yes, then sign on the screen.

 

Tada!


Thanks everyone.  That's what happen there but instead of signing on the screen, I signed the reciept paper.

 

 

Btw,  GO LAKERSSSSSSSSS!!!!!!!!

 

Message 11 of 30
Moderator Emeritus

Re: How do I use a credit card at the grocery?

The Lakers won, now its round two for them. Rock on!

Message 12 of 30
Moderator Emerita

Re: How do I use a credit card at the grocery?

Don't space out and go for the cash back option as if you were using your debit card. If you do that with a credit card (except Discover), you'll start paying interest on the cash back amount immediately. Smiley Wink

 

I use a rewards credit card for all my grocery shopping and save the receipts. It's pretty sobering at the end of the month to total them up! Smiley Tongue

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 13 of 30
Frequent Contributor

Re: How do I use a credit card at the grocery?

 


haulingthescoreup wrote:

Don't space out and go for the cash back option as if you were using your debit card. If you do that with a credit card (except Discover), you'll start paying interest on the cash back amount immediately. Smiley Wink

 


What do you mean?

 

Message 14 of 30
New Contributor

Re: How do I use a credit card at the grocery?

 


joestay wrote:

 


haulingthescoreup wrote:

Don't space out and go for the cash back option as if you were using your debit card. If you do that with a credit card (except Discover), you'll start paying interest on the cash back amount immediately. Smiley Wink

 


What do you mean?

 


Inputting a PIN for a debit card just pulls the money out of your account. Using a PIN with a credit card will treat the whole transaction as a cash advance- which means no grace period and interest starts building instantly. Plus, most banks will charge higher rates and a cash advance fee. Just make sure to select "Credit" and if it asks for a PIN, hit Cancel.

 

Message 15 of 30
Frequent Contributor

Re: How do I use a credit card at the grocery?

Okay, thanks.  One thing though, I never got a PIN.  Was I supposed to get one?

Message 16 of 30
Frequent Contributor

Re: How do I use a credit card at the grocery?

You don't have to have one. Call the number on the back of your card to setup the PIN number.

What's in your wallet?
-Not Capital One.
Message 17 of 30
Moderator Emerita

Re: How do I use a credit card at the grocery?

Just to add: I haven't read about this happening recently (that I can recall), but in the past CCC's sometimes took AA (adverse action) against cardholders who used a CC for a cash advance, especially if the card was newish. Presumably it looks as if you're truly desperate for cash.

 

I don't have a PIN for any of my CC's, or if they came with one (I think my PenFed Visa has one), I promptly forgot it.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 18 of 30
Established Contributor

Re: How do I use a credit card at the grocery?


haulingthescoreup wrote:

Just to add: I haven't read about this happening recently (that I can recall), but in the past CCC's sometimes took AA (adverse action) against cardholders who used a CC for a cash advance, especially if the card was newish. Presumably it looks as if you're truly desperate for cash.

 

I don't have a PIN for any of my CC's, or if they came with one (I think my PenFed Visa has one), I promptly forgot it.


I've been reading that there is actually one CCC that does not consider it a cash advance, or am I mistaken?  In any case, when I had my BofA CC, I used my pin to get back roughly $40 and they indeed considered that a cash advance.  No adverse action was taken, but this was long before the credit crunch we're facing today.


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Message 19 of 30
Valued Contributor

Re: How do I use a credit card at the grocery?


Uniqua wrote:

 

I've been reading that there is actually one CCC that does not consider it a cash advance, or am I mistaken?  In any case, when I had my BofA CC, I used my pin to get back roughly $40 and they indeed considered that a cash advance.  No adverse action was taken, but this was long before the credit crunch we're facing today.


Hi Uniqua...it seems (if my memory serves me...which is not all the time) that Discover does not consider the cash-over option to be a cash advance. I've never done it though.

Message 20 of 30