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Free Message Boards -> Kroger Employee Forum -> Why Kroger Sucks -> PEOPLE WHO STILL DON'T KNOW HOW TO USE A CREDIT CARD (a response, since the first thread was deactivated/closed)
Post Info TOPIC: PEOPLE WHO STILL DON'T KNOW HOW TO USE A CREDIT CARD (a response, since the first thread was deactivated/closed)
Anonymous

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PEOPLE WHO STILL DON'T KNOW HOW TO USE A CREDIT CARD (a response, since the first thread was deactivated/closed)
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Hello to the Original poster of that thread. Let me kindly explain why SOME people are not happy about typing in their debit card PIN, or don't seem to know what it is.

I have had a debit card through my bank (US Bank, based in Cincinnati) for about 20 years or so. For most of that time, although it is "technically" a debit card, when purchasing items at Kroger and virtually all other grocery, department, and other stores, I would run it "as a credit", as it was more convenient to do that since the bank would not deduct any fee, and since the card was tied to my checking account, it was exactly the same as if I was writing a check. Running it as a 'credit card', I never needed to punch in a PIN number. In fact, many people who have done that for many years did not ever bother to memorize their PIN numbers since they always used their debit as a credit card. (The only times I ever used my debit card AND needed to type in a PIN number was when I pulled money directly off my account via an ATM.)

SO, about 2 years or so ago (give or take) Kroger and other stores started demanding that ALL debit cards could NOT be run as a credit card anymore, (like they used to, and millions of people did all the time) BUT would HAVE to be run as a debit card, meaning they would be required to enter their PIN number. (I am assuming/guessing that some things have changed in the last few years, meaning, most banks may (?) now no longer charge a fee if the debit card is actually run as a debit card, like they used to, or at least the way my bank used to do. 

So, please understand that this is the reason (or one of the reasons) why some people have trouble with their debit cards and knowing their PIN numbers. It was a hassle for me at first, until I got into the routine of entering my PIN number on the keypad. But now it is a breeze.

 



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Anonymous

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You can still use your debit card as a credit. You have to use your PIN because of U-Scan. I'm not a cashier, but I do know that cashiers have some kind of quota they meet. During busy times they can't make that quota if they have to make each customer sign a receipt etc. Using a PIN helps U scan move faster, as well. Like TheDude said. Don't use all capitol letters for the Title. Maybe that's why it is deactivated. 



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Anonymous

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Anonymous wrote:

You can still use your debit card as a credit. You have to use your PIN because of U-Scan. I'm not a cashier, but I do know that cashiers have some kind of quota they meet. During busy times they can't make that quota if they have to make each customer sign a receipt etc. Using a PIN helps U scan move faster, as well. Like TheDude said. Don't use all capitol letters for the Title. Maybe that's why it is deactivated. 

 I copied and pasted the subject line "as is". sorry.

No, as both a Kroger employee AND a longtime customer, I can say that I CANNOT run my debit card as a credit. It won't "let me" and if I try to do so, the transaction is cancelled and I have to run the card again as a debit.  This happened several times before I finally learned I was no longer allowed to run it as a credit.  Some other stores  DO allow it to be run as a credit, but not Kroger. Which is why some people have gotten so bent out of shape over this.

Thanks



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ProduceDumbass


Veteran Member

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Oh Jesus Christ people are still going on about this? Signature is insecure, PIN plus forcing chip enabled cards to dip instead of swipe is so much better, and America is behind the times on this because it's been the status quo in Europe for a long time

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Lane Hardy


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What ProduceDumbass said.

Also, I guess some stores are different because you can run Visas as credit at the Krogers in my area. Just not MasterCard.

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myopinion


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Anonymous wrote:

You can still use your debit card as a credit. You have to use your PIN because of U-Scan. I'm not a cashier, but I do know that cashiers have some kind of quota they meet. During busy times they can't make that quota if they have to make each customer sign a receipt etc. Using a PIN helps U scan move faster, as well. Like TheDude said. Don't use all capitol letters for the Title. Maybe that's why it is deactivated. 

 I copied and pasted the subject line "as is". sorry.

No, as both a Kroger employee AND a longtime customer, I can say that I CANNOT run my debit card as a credit. It won't "let me" and if I try to do so, the transaction is cancelled and I have to run the card again as a debit.  This happened several times before I finally learned I was no longer allowed to run it as a credit.  Some other stores  DO allow it to be run as a credit, but not Kroger. Which is why some people have gotten so bent out of shape over this.

_____________________________________

I have a Debit card that I can use as Credit! It must have to do with your bank or account type. It treats my debit card like a check when I push credit, 3 -4 days later will remove it from my account. As for the PIN it is your signature when you choose credit on a UScan. 



-- Edited by myopinion on Friday 7th of July 2017 08:18:18 PM



-- Edited by myopinion on Friday 7th of July 2017 08:19:02 PM

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Get to your department, get off your phone, and do your job! 
Anonymous

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I hate the ones who scream I don't want to enter my pin! It's a debit card idiot, that is a feature of a debit card, if you don't like pin numbers get a freaking credit card.

Or the ones who are confused when they want cash back, but the pinpad doesn't give them an option for cash back, and then just processes the transaction. Then they asked you why that happened. I don't know, you dimwit, it's you're card. 

When the new chip technology came out, Kroger customers were complaining about entering their pins, claiming the news say it's not safe. Well I'm not seeing how swiping a card and putting an illegible signature, without any type of verification is safe either, but whatever.



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Anonymous

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Maybe a debit card that cam be used as a credit. However some customers cannot and that needs to be taken up with their bank. 



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Anonymous

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Anonymous wrote:

Maybe a debit card that cam be used as a credit. However some customers cannot and that needs to be taken up with their bank. 

 I want my debit card can be used...



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Anonymous

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Anonymous wrote:
Anonymous wrote:

Maybe a debit card that cam be used as a credit. However some customers cannot and that needs to be taken up with their bank. 

 I want my debit card can be used...

 I meant...



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Anonymous

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VISA can be run without the PIN. Mastercard can't. But it is still possible. The Nastercard has to fail in the chip reader three times to enable a swipe/no PIN. Just put it upsidedown on the reader three times for three failures and then slide. 



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Anonymous

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Anonymous wrote:

VISA can be run without the PIN. Mastercard can't. But it is still possible. The Nastercard has to fail in the chip reader three times to enable a swipe/no PIN. Just put it upsidedown on the reader three times for three failures and then slide. 

 putting in a pin is much less trouble



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Anonymous

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It depends on how much you spend when using the chip cards at my store if you need a pin or not. I keep my mothers debit card to buy things she needs. I do not know her pin and have never asked her. Her's does not have a chip. I have never been forced to use the pin using her card no matter how much I spend. Only n my card it is a different bank and has a chip maybe if it's over $20 I have to use a pin I am not sure what amount it will ask for the pin but if it's a small amount it does not require it.



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Anonymous

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Boohoo.  Cry me a river.

Grownups should know their own pin numbers.  If you want to run it as credit, get a credit card.



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Anonymous

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I use my debit card as credit all the time at Kroger. I just press the green button.



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