On Thu, 25 Jun 2009 15:05:46 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:


I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings, current
and credit accounts all encoded into a single credit card, so I only
need to carry one card around which does everything.

So how does the card know which feature you wish to use on a per-transaction
basis?

The ATM screen asks which account you want to carry out the
transaction on.. You select from "Current Account", "Savings Account"
or "Credit Card Account".

Chris

At 04:54:05 on 26/06/2009, Chris Blunt delighted uk.finance by
announcing:

On Thu, 25 Jun 2009 15:05:46 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:


I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings,
current and credit accounts all encoded into a single credit card,
so I only need to carry one card around which does everything.

So how does the card know which feature you wish to use on a
per-transaction basis?

The ATM screen asks which account you want to carry out the
transaction on.. You select from "Current Account", "Savings Account"
or "Credit Card Account".

This is not yet supported by all UK terminals. Applications can be
automatically selected based on priorities, but that would still leave
you automatically paying by the pre-selected method at many retailers.

ATMs wouldn't be a problem, since - as now - they would automatically
select LINK first, then the debit product if LINK isn't present.

Visa are working on introducing the 'One Card' in the UK, but it
doesn't exist here yet.

In an earlier contribution to this discussion,
Chris Blunt wrote:

On Thu, 25 Jun 2009 15:05:46 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:


I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings,
current and credit accounts all encoded into a single credit card,
so I only need to carry one card around which does everything.

So how does the card know which feature you wish to use on a
per-transaction basis?

The ATM screen asks which account you want to carry out the
transaction on.. You select from "Current Account", "Savings Account"
or "Credit Card Account".

Chris

Does the same apply if you make a purchase in a shop - or over the internet?
--
Cheers,
Roger
______
Email address maintained for newsgroup use only, and not regularly
monitored.. Messages sent to it may not be read for several weeks.
PLEASE REPLY TO NEWSGROUP!

On Fri, 26 Jun 2009 10:19:43 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:

On Thu, 25 Jun 2009 15:05:46 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:


I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings,
current and credit accounts all encoded into a single credit card,
so I only need to carry one card around which does everything.

So how does the card know which feature you wish to use on a
per-transaction basis?

The ATM screen asks which account you want to carry out the
transaction on.. You select from "Current Account", "Savings Account"
or "Credit Card Account".

Chris

Does the same apply if you make a purchase in a shop - or over the internet?

The card gets accepted as a VISA credit card when used at shops or on
the internet. I've never been offered any other choice in those
situations. Its only when used in an ATM that the option of using
either of the other encoded bank accounts gets offered.

Chris

On 26 Jun 2009 08:22:16 GMT, "Alex" wrote:

At 04:54:05 on 26/06/2009, Chris Blunt delighted uk.finance by
announcing:

On Thu, 25 Jun 2009 15:05:46 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:


I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings,
current and credit accounts all encoded into a single credit card,
so I only need to carry one card around which does everything.

So how does the card know which feature you wish to use on a
per-transaction basis?

The ATM screen asks which account you want to carry out the
transaction on.. You select from "Current Account", "Savings Account"
or "Credit Card Account".

This is not yet supported by all UK terminals. Applications can be
automatically selected based on priorities, but that would still leave
you automatically paying by the pre-selected method at many retailers.

ATMs wouldn't be a problem, since - as now - they would automatically
select LINK first, then the debit product if LINK isn't present.

Visa are working on introducing the 'One Card' in the UK, but it
doesn't exist here yet.

I'm fairly sure I did get the choice of which account to use when I
used the card in an HSBC ATM machine in the UK.

Chris

"Chris Blunt" wrote in message
...
On Fri, 26 Jun 2009 10:19:43 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:

On Thu, 25 Jun 2009 15:05:46 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:


I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings,
current and credit accounts all encoded into a single credit card,
so I only need to carry one card around which does everything.

So how does the card know which feature you wish to use on a
per-transaction basis?

The ATM screen asks which account you want to carry out the
transaction on.. You select from "Current Account", "Savings Account"
or "Credit Card Account".

Chris

Does the same apply if you make a purchase in a shop - or over the
internet?

The card gets accepted as a VISA credit card when used at shops or on
the internet. I've never been offered any other choice in those
situations. Its only when used in an ATM that the option of using
either of the other encoded bank accounts gets offered.


So you can't get cash-back at stores, where they'll only offer the facility
if you use a debit card.

On Fri, 26 Jun 2009 13:24:06 +0100, "Fredxx" wrote:

"Chris Blunt" wrote in message
.. .
On Fri, 26 Jun 2009 10:19:43 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:

On Thu, 25 Jun 2009 15:05:46 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:


I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings,
current and credit accounts all encoded into a single credit card,
so I only need to carry one card around which does everything.

So how does the card know which feature you wish to use on a
per-transaction basis?

The ATM screen asks which account you want to carry out the
transaction on.. You select from "Current Account", "Savings Account"
or "Credit Card Account".

Chris

Does the same apply if you make a purchase in a shop - or over the
internet?

The card gets accepted as a VISA credit card when used at shops or on
the internet. I've never been offered any other choice in those
situations. Its only when used in an ATM that the option of using
either of the other encoded bank accounts gets offered.


So you can't get cash-back at stores, where they'll only offer the facility
if you use a debit card.

I've never tried. As I said, this is an HSBC card issued outside the
UK. It probably cannot do a lot of things that are possible in the UK
with UK issued cards.

Chris

On Jun 26, 12:09*am, Ronald Raygun
wrote:
Brown Cat wrote:
On Thu, 25 Jun 2009 01:02:56 +0100, Pete Verdon wrote:
I sometimes find it convenient to keep two wallets in different sets of
clothing. At present, I swap my debit/cash card from one to the other,
but it would be nice not to have to. Is there such a thing as a second
debit card on the same account, like his&hers cards for a couple but
both in my name? I can't see why this presents an intrinsic problem, but
I've never heard of it being offered.

I don't know how you manage to have such a problem to take your wallet
out of your pocket when you get changed then put it back in your pocket
afterwards.

He feels he needs to keep a photo of his wife in his wallet. *But he doesn't
want his two wives to know about each other. *


Like the famous naval toast immortalised by Patrick o'Brian

"to our wives and girfriends, may they never meet".

R

Chris Blunt wrote:
On Fri, 26 Jun 2009 13:24:06 +0100, "Fredxx" wrote:

"Chris Blunt" wrote in message
...
On Fri, 26 Jun 2009 10:19:43 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:

On Thu, 25 Jun 2009 15:05:46 +0100, "Roger Mills"
wrote:

In an earlier contribution to this discussion,
Chris Blunt wrote:

I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings,
current and credit accounts all encoded into a single credit card,
so I only need to carry one card around which does everything.
So how does the card know which feature you wish to use on a
per-transaction basis?
The ATM screen asks which account you want to carry out the
transaction on.. You select from "Current Account", "Savings Account"
or "Credit Card Account".

Chris
Does the same apply if you make a purchase in a shop - or over the
internet?
The card gets accepted as a VISA credit card when used at shops or on
the internet. I've never been offered any other choice in those
situations. Its only when used in an ATM that the option of using
either of the other encoded bank accounts gets offered.

So you can't get cash-back at stores, where they'll only offer the facility
if you use a debit card.

I've never tried. As I said, this is an HSBC card issued outside the
UK. It probably cannot do a lot of things that are possible in the UK
with UK issued cards.

Chris

Wasn't there a Barclay card, back in the early 90's that was both credit
and debit card and you had to chose which it was when you paid?

Brown Cat wrote:
On Thu, 25 Jun 2009 01:02:56 +0100, Pete Verdon wrote:

I sometimes find it convenient to keep two wallets in different sets of
clothing.

I don't know how you manage to have such a problem to take your wallet
out of your pocket when you get changed then put it back in your pocket
afterwards.

Note the "two wallets" part. One is a solid leather item containing
various cards both financial and otherwise, a varying amount of folding
cash, and usually a fair bit of change. It's fine in a pair of jeans or
other normal trousers, but in a pair of lightweight linen shorts such as
I might change into after work given the current weather, it's like
having a cannonball in my pocket. So at this time of year I also have a
small nylon wallet containing a £20 note and a debit/cash card in case I
need more (I might only be going for a walk round the park, but it's
entirely possible I might bump into a mate and end up in the pub for the
evening).

I don't usually discuss my wardrobe choices on the Internet, but you did
seem very interested.

Do you have two sets of keys and two mobiles as well?

Keys, yes. The small wallet is one with a keyring attached, and it
carries an extra front door key.

Pete