Harbor Freight tools that DO suck

[Diggin It]

My philosophy, too. Problem is with the mail system. A few months ago my payment apparently did not get to the card company.

My payments all go digital, on the due date. Pay my electric and phone bills that way too to get the points.

Won't be going for a store card here though.

 

[John_Mc]

And if somebody snatches your phone, they are 'good to go' with all your financial access.

Actually, no. They would need access to my phone, which requires them knowing a 6 place alphanumeric code. Too many wrong guesses While attempting to access it, and the phone shuts down. Further, if my phone is lost or stolen, I can shut it down remotely and basically turn it into an expensive paperweight for whomever finds it.

That said, I still do not use my phone for any online shopping or use it to pay for anything. In fact, I have never entered the information which would allow it to be used for payments. I'm more concerned about malware or someone snooping on a public WiFi network than I am about someone stealing my phone.

 

[5030]

My philosophy, too. Problem is with the mail system. A few months ago my payment apparently did not get to the card company. A significant fee was applied to the next bill. Changed cards, for a different reason, and it looks like the same thing again. Will know more later this month.

Try remitting in a more timely manner, not on the deadline when due. I make all my payments via the mail but I pay them when they arrive here. I don't like electronic statements and have none. Everything is a paper statement, mailed to me, monthly.

We quit getting the local rag (newspaper). The went digital but still wanted to charge us the same prices as carrier delivery so they lost us as a subscriber. I use the read newspaper for many uses, cleaning glass, lining the little box, starting my chunk charcoal in the BBQ and so on.

I'm old school, want a paper copy. Electronic statements are just another way for the seller to save money and make more profit.

 

[Diggin It]

^^^ Which helps avoid price increases.

Plus, I hate the waste of paper for something I may only look at for a few minutes. And I hate digging through files to find something. Digitally, I can keep copies of bills for years and pull them up for review in seconds if I need to.

And then there are the checks and postage for outgoing payments. Books of checks aren't free other than what some banks offer on opening a new account. With electronic payments, I'm not giving anything to the Post Office either.

 

[reb]

Try remitting in a more timely manner, not on the deadline when due. I make all my payments via the mail but I pay them when they arrive here. I don't like electronic statements and have none. Everything is a paper statement, mailed to me, monthly.

...

I'm old school, want a paper copy...

That is basically the way I do it. The new card has sent an email when a payment is received. None this month, so I am concerned. If they did not receive it, I will send future payments from a different post office.

I also want a paper copy.

 

[lilranch2001]

I always worry when I send a payment through the USPO, so I watch my back app to see when and if it clears, not had a problem with a check in a long time, when I use my banking app, after setting up an account I always send 1 dollar the first month to make sure everything clears correctly

 

[5030]

I quit taking credit card payment for my products I sell on the net and from the shop and no pay pal unless the customer pays a surcharge and I tell them up front, it's 5% for a pay-pal transaction. I quit with CC's when my portal fee was raised from 3% to 5%. Just not in the cards for me to accept credit cards anymore.

I have no issue with a personal check or Postal money order or cash.

Hard enough gleaning a small profit the way it is. My materials cost basically doubled in the past 6 months. Least with farming, things remain relatively the same.

 

[Big Barn]

I quit taking credit card payment for my products I sell on the net and from the shop and no pay pal unless the customer pays a surcharge and I tell them up front, it's 5% for a pay-pal transaction. I quit with CC's when my portal fee was raised from 3% to 5%. Just not in the cards for me to accept credit cards anymore.

I have no issue with a personal check or Postal money order or cash.

Hard enough gleaning a small profit the way it is. My materials cost basically doubled in the past 6 months. Least with farming, things remain relatively the same.

What about bank etransfer? No cost to you and depending on the bank the transfer only takes minutes. Email notification when it’s done. All done on an app.

Approximately one third of my sales are done this way. The rest cash. NEVER checks. Easy to ask for a deposit when someone says they want it but want you to hold until the weekend. In those cases I ask for full pop if under $100. 25 percent for larger purchases.

This is just for excess stuff I have around the shop or items I refurbish and get bored of.

 

[5030]

^^^ Which helps avoid price increases.

Plus, I hate the waste of paper for something I may only look at for a few minutes. And I hate digging through files to find something. Digitally, I can keep copies of bills for years and pull them up for review in seconds if I need to.

And then there are the checks and postage for outgoing payments. Books of checks aren't free other than what some banks offer on opening a new account. With electronic payments, I'm not giving anything to the Post Office either.

I have no issue supporting the Post Office at all, unlike you. Out here the PO is about all you have other than UPS or Fed-Ex and they charge an outrageous amount to pick up packages.... and I sent a lot of packages. The PO charges nothing for a pickup and I get very good tracking as well.

Been using USPS for 15 years to deliver my products worldwide (even China...lol) and in 15 years, I had one lost shipment and the PO reimbursed me for not only the postage but the item itself.

I have a European distributor in Geneva, Switzerland and he told me long ago that USPS was the best bet (and cheapest way) to send packages worldwide. Like he said, when my stuff 'lands' in Geneva it comes in with everything else, every carrier shares the same cargo plane so why pay an inflated rate.

I get usually, 5 days to Australia, 4 to Germany and 4 to Japan and China.

The Covid crap has slowed down deliveries, I will admit that but I know exactly where my stuff is, all the time. Far as domestic mail for bill paying, so long as you don't wait until the last minute to mail something, it's all good, least with me it has been.

 

[5030]

What about bank etransfer? No cost to you and depending on the bank the transfer only takes minutes. Email notification when it’s done. All done on an app.

Approximately one third of my sales are done this way. The rest cash. NEVER checks. Easy to ask for a deposit when someone says they want it but want you to hold until the weekend. In those cases I ask for full pop if under $100. 25 percent for larger purchases.

This is just for excess stuff I have around the shop or items I refurbish and get bored of.

My commercial bank guarantee's 100%, 2 methods of payment, personal check and postal money order so that is what I go with and I do use Pay-Pal with the 5% surcharge and wire transfer the pay-pal funds to my commercial account, and of course cash too.

Basically locked into pay-pal for offshore stuff but again, a 5% surcharge to offset the pay-pal fees.

In 15 years, never been stiffed and don't plan on it happening.