Will you miss cheques when they finally withdraw them

[anotheoldgit]

http://tinyurl.com/6hkc48d

Has anyone recently asked you to show a 'Cheque Guarantee Card' when writing them a cheque?

I know once they would ask you for one, when using a cheque to pay for goods at the supermarket, but most people swipe their card these days.

Will you miss cheques when they finally withdraw them?

[bednobs]

Hi geezer, i don't really want to leave cash out on the doorstep for the milkman - i pop a cheque in a money bag in the empty bottle the night before.
My butchers dosen't take cards, and says "cash or cheque only"

[joko]

they are not withdrawing cheques though are they? just the guarantee amound printed on the card

[jake-the-peg]

Anybody who doesn't use cheques can't have school age kids.

Seem forever to send them in with a cheque for this or that or whatever the latest thing is.

I think some of the schools are getting electronic payment systems in now but there will be chaos if they haven't sorted that out before withdrawing cheques

[Prudie]

I hardly use them now and being financially solvent it dosn't bother me but it wasn't that long ago that I paid everything by cheque. Trouble with cards is if there's nothing in the bank then they won't work and then you're stuck!

[tara20]

Mainland Europe stopped using cheques for private use ( companies like insurances, banks etc., still have them) in January 2002. It's either direct debit, cash, credit card or usually bank transfer for bills. Nowadays the DD card is mostly used, nearly all the shops, from supermarket to paper shop use them. You can get cash from any bank foyer or cashpoint without extra charge. Like decimalisation, you get used to it!

[Invictas]

I am sorry to disillusion R1 Geezer (and others) but cheues WILL be phased out by banks by 2018(according to the BBC News website)
BUT
Only if some other viable way of paying money that will replace cheques easily can be found.
As that other viable way has yet to be found (or even suggested) cheques may go for much longer than the banks may like!

[CailinDeas]

When they are abolished (as they no doubt will) it will be great for the black economy.

[joggerjayne]

I always use a cheque at Costco.

I suppose they take debit cards, too.

So will I miss them? Naah, not really.

One of my pals quite often takes my cheque book and signs "my" signature, and the bank have never batted an eyelid, so it's not like they're treated very seriously any more.

[jno]

JJ, yes, mine takes debit cards (but not credit cards). I still write a few cheques each year, for the benefit of people who can't handle cards and are above accepting cash in hand (includes my accountant, strangely). It wouldn't make any difference to me if they vanished, but I presume it would to my creditors.

[mosesg]

Can't remember last time a wrote out a cheques. When I changed my bank account it was optional so said no to them. I always use direct debit or debit card now.

[youngmafbog]

Cheques will go, eventually. I worked for a cheque processing company and some of the code is missing (only the machine code left) so no enhancements, plus it is a very time consuming and labour intensive process. Secondly my mate is on the project to remove the cheque gurantee for a major bank.

You have no choice, it will happen. Get real, get used to it and move with the times. I have not really seen one reason posted on this site why they should not exisit, apart from the facet the user cant be bothered to find an alernative.

A clasisc was //I'd be botehred about giving my sort code and account number out// Just what do you think is printed at teh bottom of a cheque ?

Jake is right though, I had to pay both the trip skiing and the Paris trip by cheque. Still, typical of a government organisation to be behind the times.

[anotheoldgit]

Invictas

I set a perfectly innocent question, and also asked you, personally a perfectly innocent question of concern.

/// Would you trust your card details with everyone? ////

Why did you find the need to answer me in return thus?

/// AOG,
Sometimes you have to trust.
We move forward,we cannot stay in the past.
I presume one of your ancestors wasa Luddite? ///

Why the snide remark regarding me and my ancestors?

Out of 50 odd answers it was only you that chose to take this type of attitude.

[Prudie]

I'm surprised no-one else has picked up on my comment implying a cheque will tide you over for a few days when times are tough. I can remember occasions when my debit card was refused in horror.

[joko]

its all right the people saying 'deal with it' accept it, egt with the times etc - but what exactly is there that will replace it?? there is nothing except for a postal order perhaps?

numerous things have been listed here that make cheques very necessary...unless you expect the window cleaner to carry his own card machine...or want to have to travel to your childs school to pay for every school trip in person, or have cash stolen in the post...

[R1Geezer]

well you pay the window cleaner in cash. You pay the kids stuff by direct credit into the school account.

[R1Geezer]

my window cleaner charges £10, if I paid him with a cheque he'd pi55 himself!

[DaisyNonna]

Yes, use a cheque to pay the milkman

[starone]

I don't use them much but there are times, such as when sending a present to the great-nieces for their birthdays or Christmas presents when they are useful. After all, I could hardly swipe a card for that kind of thing. Equally, there are some places that have not got a card facility and you have to pay either by cheque or cash, what do you do if they withdraw cheques? Will they provide some other way to pay?

[mike11111]

I take Prudie's point. many a time in the past I have been grateful for my cheque book when I had no money, knowing that by the time it reached the bank there would be funds to cover it.

[DaisyNonna]

Received a cheque from a solicitor a few days ago. Would not have trusted him with my bank details.