CARD Dear friends,
While searching about postal envelops, I could observestill reply paid postalcards are there. While thinking about it memories of various typesof cards came to me. Some interestinginformation about cards is here. Gopalakrishnan 6-12-2022 1. Reply paid card Reply paid card costs double the value of postal card.The card has a replica of the card separated sometimes by dots. It enabled theperson receiving could reply using it, and dropping in any postal box. Mostly the sender used to enter his address also inthe reply card. This enabled the card is used to send reply to him only. Ifthis was not done, some experts used the card to post information to some otherpeople. When postal cards were out of stock, many used to getreply paid card, cut through the dotted lines/middle and used as two cards. 2. Postal card Though postal card’s main aim was to help the poor tosend information by post, it was also used for many other uses. This continues even today. At one time much important information was sent bycard, registering it. Sometimes with acknowledgement card attached. So thereceiver could not deny he did not receive the information since information itself was inthe card.This was more with court cases. After inland has appeared many changed it to Inland registered post,acknowledgement due. Still the postal card price is 50-00 paisa. 3. Acknowledgementcard. This was mainly used by applicants or by offices alongwith a registered article. Extra charge is paid for the acknowledgement card.The receiver had to sign it and return to postman/woman. Acknowledgement cardis filled up with details of the document send and applicants/office address. Itis returned to the addressee. I recollect sending applications of my son for admissionin engineering colleges by registered post acknowledgement due. This gave confidence;the application was received by the departments of universities like MadrasUniversity, Anna University, and Annamalai University etc. Incidentally Annamalai University was kept at highstandard. I recollect my physics bookshad many questions from Annamalai University as reference and for answering. Ihad my collegiate education under Kerala University and graduate degree from KeralaUniversity in 1964. 4. Visiting card. Visiting cards mostly keep a standard size. Thequality may change, but size remained almost 3.5”x2”. Many persons, companies,small and large keep visiting card. Nowadays even in conversation, if a person’smobile number has asked, he may take from pocket /purse/table his visitingcard. There is visiting card file available now in stationeryshops, for ready reference many keep them in file, inserting in small transparentfolders. Earlier card came in thick paper, present day cardshave a thin film of plastic over it, very difficult to tear if not required anymore like company is closed etc. 5. Cash key card. Before the commissioning of ATMs, the state bank ofIndia had cash key card. The bank issued cash key cheques, and an ID card withphoto and signature on front side and bank issuing information on the otherside. The cheques were for fixed amount. For the value of cheques, amount wasdeducted from the account while issuing. One could en-cash these cheques on thespot, visiting any state bank of India on tour. I was having such a card and cheques;it enabled me to draw money without carrying in hand while going over to Delhi.Cash key card became obsolete after ATMs have started. 6. ATM card and debitcard There is a big difference between the two. All debit cards can be used atATMs to draw money, used at merchant outlets to purchase items etc. But if one opt ATM card, it can be used onlyat ATMs. I have learnt the first card was diner’s club card inIndia. Before merchant outlets accepting payments by cards,all cards were used to draw money from ATMs. At one time the drawing limit was very muchirrespective of the type of card. Now the ATM drawing limit is very muchreduced and varies with types of cards. The debit card of HSBC could easily be used in anyforeign country, now the card issued from India, bank has to approve for usingit in foreign countries. While most banks approve automatically while the cardis issued, some banks approve on line transactions. Till recently on line transaction was more simplified,the card used information was stored by firms and through an OTP, the card wasselected. Now observing some misuse, every time card details are to be enteredfor transactions as per directions from reserve bank of India. The ATM and Debitcards have to be signed by the person to whom it is issued before using it inthe back side where provision is made. For using ATM card, earlier PIN was issued some timesby banks or came by post. Pin was fixed. It could not be changed. Later optioncame to change pin as desired by the customer. Now PIN is generated by customerin the ATM. The ATM procedures have also changed. In early time, thedebit/ATM card was pulled inside ATM till transaction was over. Then it gotreleased Later the card had to be simply inserted and taken outquickly or swiped Now the card will be partially held till transactionis over. Then one has to take back his card. Cash withdrawn had to be taken out within seconds atone time; otherwise it was pulled in to ATM. Now the cash is never pulled in to. 7. Credit card The credit card pushed on customers is very useful ifthe monthly bill is paid full in time. If paid partially, or not paid, the ruin starts there.Credit card interestis very very high. At one time credit cards had no pin, it was simplyswiped, and credit slip had to be signed and given. It was checked with signatureat back of the card. But many firms did not check much the signature, and ifcard was lost, it had to be blocked immediately. Anyone could misuse it Now the cards have pin and some cards have option tochange the pins. Foreign banks have six digits pin for credit and debit cards.Cards of banks in India have four digits pin only for debit/credit cards. 8 Cash or card? Now 99% shops accept credit/ debit cards only.Counterfoil of amount taken is given. One has to ensure the correct bill amountis only paid in our presence the machine has to be operated. Even for home delivery machine is brought by medicalstores etc. 9. Carrying cards At any time cards can get lost. Make sure a Xerox ofthe card is kept to block the card, with card number. If at all one has manycards, carry 1 0r two only at a time. There can be theft at home, never keeppin with card. Cards may be kept at different places if feasible. -- You received this message because you are subscribed to the Google Groups "Thatha_Patty" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To view this discussion on the web visit https://groups.google.com/d/msgid/thatha_patty/64056637.961741.1670318228504%40mail.yahoo.com.
