Comments on: How prepaid debit is displacing checking accounts http://blogs.reuters.com/felix-salmon/2012/10/08/how-prepaid-debit-is-displacing-checking-accounts/ A slice of lime in the soda Sun, 26 Oct 2014 19:05:02 +0000 hourly 1 http://wordpress.org/?v=4.2.5 By: essay writers http://blogs.reuters.com/felix-salmon/2012/10/08/how-prepaid-debit-is-displacing-checking-accounts/comment-page-1/#comment-54907 Mon, 13 Oct 2014 11:43:35 +0000 https://blogs.reuters.com/felix-salmon/?p=18686#comment-54907 Red bottom shoes are well known all across the globe. The original creator of these extraordinary style of shoes was Christian Louboutin. These days there are many companies that are making elegant women’s shoes, along with the distinct red sole. These types of shoes are one of the trendiest shoes around, which is apparent from their outstanding demand! Women love to shop for these cheap red bottom shoes, and these shoes usually are in demand during the time of year while they are at a price reduction. However, the common trend is that these shoes aren’t on a discount during the holiday seasons when people love to go shopping for themselves as well as their family.

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By: brodezor http://blogs.reuters.com/felix-salmon/2012/10/08/how-prepaid-debit-is-displacing-checking-accounts/comment-page-1/#comment-43856 Sat, 13 Oct 2012 14:26:36 +0000 https://blogs.reuters.com/felix-salmon/?p=18686#comment-43856 Online banks like Charles Schwab, Etrade, Ally, and ING are the future, not credit unions or pre-paid debit. They really have no fees, and are super convenient. A true consumer win. I’m disappointed that “Move Your Money” focus on credit unions and the like.

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By: OuterLimits http://blogs.reuters.com/felix-salmon/2012/10/08/how-prepaid-debit-is-displacing-checking-accounts/comment-page-1/#comment-43842 Sat, 13 Oct 2012 01:19:44 +0000 https://blogs.reuters.com/felix-salmon/?p=18686#comment-43842 Lemother, a prepaid card won’t allow you to ‘pay at the pump’ and they don’t allow recurring payments. Typically before the card company has a chance to reject those they will be rejected by the billing company. Netflix for instance rejects those cards right away.

Maybe they did more research than you think.

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By: Lemother3 http://blogs.reuters.com/felix-salmon/2012/10/08/how-prepaid-debit-is-displacing-checking-accounts/comment-page-1/#comment-43737 Tue, 09 Oct 2012 14:07:45 +0000 https://blogs.reuters.com/felix-salmon/?p=18686#comment-43737 With as much money as Walmart and AMEX make, I’d expect that they would do the research to know that you can still overdraft an account with a debit card. For example, when paying for gas at a pump, no matter how much you get the card only authorizes for a dollar. If the account holder is running a little tight in their account, they may overdraw because the balance isn’t accurate. Same goes for automated payments that are set up through the debit card, i.e. Netflix. If the account holder isn’t taking into consideration a pending payment, and they use up their money… I wonder how they plan to handle those kinds of situations.

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By: TFF http://blogs.reuters.com/felix-salmon/2012/10/08/how-prepaid-debit-is-displacing-checking-accounts/comment-page-1/#comment-43724 Mon, 08 Oct 2012 23:45:41 +0000 https://blogs.reuters.com/felix-salmon/?p=18686#comment-43724 “I don’t see what those “bigger prizes” are though.”

Mobile payment.

Besides, this ought to be quite profitable for Amex through swipe fees. No reason they need to be squeezing more than that out of their customers.

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By: OuterLimits http://blogs.reuters.com/felix-salmon/2012/10/08/how-prepaid-debit-is-displacing-checking-accounts/comment-page-1/#comment-43723 Mon, 08 Oct 2012 21:45:14 +0000 https://blogs.reuters.com/felix-salmon/?p=18686#comment-43723 Banks with over $10 billion in assets cannot offer billpay or checks on prepaid accounts – Durbin.

Amex & Walmart are making money on the interchange fees which are not limited by Durbin because it’s prepaid.

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By: Moopheus http://blogs.reuters.com/felix-salmon/2012/10/08/how-prepaid-debit-is-displacing-checking-accounts/comment-page-1/#comment-43720 Mon, 08 Oct 2012 20:19:30 +0000 https://blogs.reuters.com/felix-salmon/?p=18686#comment-43720 “I’m don’t see what those “bigger prizes” are though. Explain?”

To Wal-Mart is does not matter if the card is accepted anywhere except Wal-Mart. Wal-mart’s been trying to nose into banking services for a long time. They want to be one-stop shopping for all of your earthly material needs. getting a hold on your money before you’ve even spent it is hugely advantageous for them. Also, recall that Wal-Mart was on the side of the retailers pushing for limits on swipe fees–presumably it is cheaper for Wal-Mart to offer the card for free and cut out the middleman (though I suppose they still have to give Amex a cut).

Whether this is really “good for consumers” is debatable. It’s clearly good for Wal-Mart.

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