Word: atm
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Dates: during 2000-2009
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...month ago, all Choi Pyong Jin had to do to feed his habit was insert one of his 18 credit cards into a bank ATM. Out came borrowed money, about $25,000 a month, which he shoveled into his ailing business?until the day of reckoning. Crushed by debt that far exceeded his annual income, Choi was forced to sell his house to pay off some of the card companies, but he still owed $113,000. A few weeks ago, he decided to break the pattern that had precipitated his financial ruin. He took scissors to his credit cards...
...make a living from personal information pulled from the trash don't care what form it comes in--paper, plastic or floppy disc. So why not play it safe? The MD 100 Media Destroyer is a paranoid's dream come true. It flattens raised numbers on old credit and ATM cards before cutting them to ribbons. It shreds a CD in about four seconds, reducing it to shards too small to be used for any kind of data recovery. It slices right through floppy discs, metal clips and all. You have to fold letter-size paper before feeding it through...
Some consumer advocates say the cards simply transfer costs from company to worker. Payroll cards can come loaded with fees for any number of transactions--opening or maintaining an account, or withdrawing money from an ATM--although typically the first withdrawal of each pay period is free. Fees for balance inquiries, adding money or making a purchase have also cropped up. Says Tracy Shelton, consumer attorney for the New York Public Interest Research Group (NYPIRG): "Because it's $1 here, $1.50 there, a lot of people may be shocked to see what they spend. They don't think...
Blockbuster introduced payroll cards to its corporate employees last December and is seeking to expand the program to its 60,000 store employees. Employees get one free Bank of America ATM withdrawal per week. There is a $1.50 monthly maintenance fee, but workers also receive monthly statements on paper, Web access to card activity and an automated telephone system for tracking transactions and balances...
...payoff, the survey found, is significant. Those checkbook balancers, for example, have more savings, less credit-card debt and fewer financial worries than people who choose to rely on just their ATM receipts for confirmation of what's in their accounts...