Tuesday, October 1, 2013
Doesn't stay fixed
A couple weeks ago I laboriously set up a way to pay my bills on-line. The process was unnecessarily complicated by my old credit union being bought out by a much bigger fish.
Today I discovered that the payment system that worked well last week wouldn't even let me into the system. That's how it started.
Not having time to deal with that , my lovely wife and I went into town. After treating her to lunch, I learned my debit card would not work. It took a while to get through to the credit union on the phone. Eventually, the problem was sorted out and the card ran just fine.
Soon after my lovely wife walked into the local branch to change the pin number on her debit card. There was a very long line. Apparently, when they transferred the old accounts to a new server, they entered then in such a way that every single account was in default. No wonder the card would not work.
It didn't matter if it was a debit or a credit card. Nothing worked. Imagine trying to buy something at the store. Your debit card is refused. Then your credit card from the same institution is also refused. That's what happened to a lot of people.
It occurred to me that a person would do well to have access to accounts from different institutions. Local accounts for day to day use, and then maybe a card with a national bank for emergency use only. Operator error crashed my local accounts, but it could have been a natural disaster. Being able to tap into funds from across the country could be a good thing.
Of course, I took out a good wad of cash before leaving the credit union.