Originally Posted by fish.01 (Post 8434531)

We don't have current accounts in oz. They are all called savings accounts. I've rarely heard of anyone hitting cheque but I think it does the same as hitting savings. You hit the credit button if using a Visa Debit so that it doesn't count towards your transaction limit.

I reckon if buying a printer these days better to get a cheap laser rather than an ink one. A lot cheaper in the long run. Buy a separate scanner or cheap 3 in 1 just for scanning.

Originally Posted by Louiseh86 (Post 8437605)

Westpac customers should use cheque, hitting the savings button will cause it (in most cases) to be declined! As I found out to my embarrassment when I spent $10 in Maccas! But they put the transaction through again pressing cheque again and it worked :)

Originally Posted by Louiseh86 (Post 8437605)

I can press Credit if I want my debit mastercard to be used like a credit card but I rarely do. :)

Originally Posted by Jen1977ni (Post 8437612)

I can only use my NAB Visa Credit by pressing credit, and to my despair (in Kmart anyways), I can't get 'cash back' or whatever they call it, by pressing credit, ARGHHHHHH!

Originally Posted by fish.01 (Post 8438287)

If you haven't worked it out already "cash advances" on credit cards are only available through ATM's. And you get charged credit card interest straight away and sometimes a hefty fee.

It is only Visa/Mastercard "Debit" cards that give you option to hit the Savings button in the supermarket and get cash back/cash out.

Originally Posted by Jen1977ni (Post 8438317)

I meant debit, it's a visa debit card....and it didn't work!

Originally Posted by fish.01 (Post 8438347)

Yeah it won't. When you hit Credit it's processed later through the credit card clearing system so the shop can't tell if you have the money in the bank to give it to you. Apologies if I'm just telling you stuff you already know.

Originally Posted by Jen1977ni (Post 8438375)

That's a bit mad, so what do I do? Cashback is handy, do I have to change my account or my bank?!

Originally Posted by Jen1977ni (Post 8437571)

Well that's my first morning of volunteering for the RSPCA, so far, so good! :) Was hard getting out of bed so early again though, but I'll soon get used to it lol

Originally Posted by Jen1977ni (Post 8440461)

Brilliant, just secured some 'Teacher Aide' work for the next few weeks, it's better than nothing and will be quite refreshing to be in a classroom and not be the one whose in charge! BEEZER!!! :thumbsup:

Originally Posted by Jen1977ni (Post 8440461)

Brilliant, just secured some 'Teacher Aide' work for the next few weeks, it's better than nothing and will be quite refreshing to be in a classroom and not be the one whose in charge! BEEZER!!! :thumbsup:

Originally Posted by fish.01 (Post 8438285)

Strange. Most banks you just hit savings.



My understanding is that you are almost always better off hitting Credit unless you want some cash out. It comes out of your Debit Mastercard account in exactly the same way but doesn't count towards your free transaction limit for the month.