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#177345 - 03/16/09 10:56 PM Re: Credit card debt [Re: Lola]
Lola Offline
Member

Registered: 06/23/06
Posts: 3703
Loc: London UK
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#177347 - 03/16/09 11:05 PM Re: Credit card debt [Re: Lola]
chatty lady Offline
Writer

Registered: 02/24/04
Posts: 20267
Loc: Nevada
Checks here are a breeze to cash, even the casinos cash them if say you don't have a bank account. BUT if the check is from outside the US the banks put a 15 day hold before cashing it.
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#177407 - 03/17/09 07:02 PM Re: Credit card debt [Re: chatty lady]
celtic_flame Offline


Registered: 11/24/06
Posts: 2930
Loc: Belfast/Northern Ireland
i confused why would you go to a bank stand in a cue in a bank to get monie from a chequek and not just get it out of your bank account anyway, weer the cash be comming from?

I see the point if casinoes and such cash them for convienses. Dose all big busnesses cash cheques or is it the nature of people needing cash quick that has the casinos changing cheques to cash?

I thinking we can't get buy without a bank account heer but one possiblie could in usa.
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#177408 - 03/17/09 07:03 PM Re: Credit card debt [Re: celtic_flame]
celtic_flame Offline


Registered: 11/24/06
Posts: 2930
Loc: Belfast/Northern Ireland
oh its hard with great security such as driving licsense and passports and utilitie bills being needed to open bank or building society accounts.

how easie is it to open one is usa?
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#177465 - 03/18/09 12:05 AM Re: Credit card debt [Re: celtic_flame]
chatty lady Offline
Writer

Registered: 02/24/04
Posts: 20267
Loc: Nevada
Opening an account: It is as easy as falling off a log. Sometimes there is a minimum deposit of say $25.00 ut thats abbout it to open a saving or checking account.

Cashing checks: Its to cash checks from other people Celtic. I edit for a lot of people here in Nevada and they pay me by check. Sometimes I deposit them and take out cash but sometimes I just cash the checks without making a deposit first... However out of the country checks no one will cash for at least 10 to 15 days even if you deposit it thres a hold on that money until it clears.
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#177489 - 03/18/09 06:26 AM Re: Credit card debt [Re: chatty lady]
gims Offline
Member

Registered: 01/16/07
Posts: 3404
Loc: USA
We have check cashing stores in Texas. I'd be surprised if they aren't nationwide. They charge a fee to give you cash for the 'check.' For some, it must be worth it (illegals)... there's a check-stop on every street in town. Otherwise, in Texas, you can cash a check, whether drawn on your own account or that of someone else, if you have an established account with the bank you try and cash it with.
lola, our checks look very similar... lines, 4 in total - one for the date, one for the payee, one for the written amount, and the one on the bottom left for a description of the disbursement. And, of course the little box, or area for the numerical amount. I haven't seen a check without lines since I was a wee one.

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#177490 - 03/18/09 06:33 AM Re: Credit card debt [Re: gims]
Lola Offline
Member

Registered: 06/23/06
Posts: 3703
Loc: London UK
Gims, the difference is in the pre-printed lines with pre-printed "Account Payee" across and in the centre of the cheque. That's how cheques look like here.
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#177492 - 03/18/09 07:18 AM Re: Credit card debt [Re: Lola]
gims Offline
Member

Registered: 01/16/07
Posts: 3404
Loc: USA
ahhh, got it... the 'account payee' making the difference...

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#177502 - 03/18/09 10:54 AM Re: Credit card debt [Re: gims]
celtic_flame Offline


Registered: 11/24/06
Posts: 2930
Loc: Belfast/Northern Ireland
yep and the lines going diagonalie across the cheque, i seem to rember my dad having to write them in ...i almost sure of that but i onlie knowen my chekes to have diagonal crosses, so they can't be cashed for cash if lost lol.
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#177505 - 03/18/09 11:27 AM Re: Credit card debt [Re: celtic_flame]
Dotsie Offline
Founder

Registered: 07/09/08
Posts: 23647
Loc: Maryland
chatty and gims are right on with their explanations.

Most stores charge at least a $25.00 fee if you bounce a check, meaning write a check with insufficient funds. The bank also cahrges a fee. I saw a sign in the store the other day - $40.00 fee for bad checks.
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