Sure enough, her card declined and she left my lobby without incident.
About an hour later, her man-friend came into my lobby screaming and shoving his grimy pre-paid cell phone in my face.
Uh, excuse me. Can I help you? It took me a couple of seconds to piece together what was happening, but in short: the bank servicing the aforementioned debit card had placed a hold on the amount that I had attempted to charge earlier. I must put extra emphasis on "attempted" because it was indeed only an attempt... when a card comes back DECLINED on my end, the business receives exactly nothing. Nothing. So color-me-surprised when I'm on the receiving end of a phone call from a customer service representative telling me that a hold has been placed relating to the "charge" that my business entered.
No sir, attempted charge. The card declined.
Clearly Global Bank Card doesn't understand that. I don't know what the deal is with their infrastructure, but this is the second such incident I've had with those blasted black debit cards in the last two weeks. It took an hour and 43 minutes to get everything sorted, but eventually the hold on the customer's account was released (BECAUSE I NEVER COLLECTED ANY MONEY) and they left my office, but not without much headache.
In the hour and forty-three minutes I spent with this gentleman and his lady, I learned some very sad things:
There are people in this country who have no idea how banks work.
There are people in this country who have no idea how "digital" money works.
There are people in this country who have no idea how negative numbers work.
There are people in this country who are too damn lazy to call a 1-800 number and would instead prefer to waste an hour and forty-three minutes of a stranger's time making a stupid, stupid mistake.
Since we spent so much time on hold with Global Bank Card's customer service center, we had time to chat. I got to explain things like negative numbers (for reals, this guy had no grasp on what it means to have overdrawn your bank account), the difference between credit and debit, how money gets sent electronically, how banks can screw you over, and what you can do to protect yourself.
Now, this guy is several decades older than me. Several decades; let that sink in. He legitimately was hearing these things for the first time ever. He said he had lived his whole life paying cash, and that's how his friends and family did things too. When he moved to a new state, his employer offered paychecks to be distributed on a debit card (versus other methods) and this man never questioned it because, as he said, "that's what everyone else was doing." When in Rome, right?
My first instinct was outrage, because HOW. How do you get to be that old and know nothing about banks? Or to get to that age and know nothing about money, or negative money (because with cash, you can't incur that kind of debt), but instead it got me to think. Where did I learn this? Sure, I'm college educated and I can officially say I have a business degree now, but I certainly didn't learn this in school... not at any level. A more politically minded person might call for the public school system to teach this to kids, but is that really the solution? To institutionalize the teaching of basic finance?
I guess I'm just lucky that my parents took the time to teach me to pay my bills on time, and to never charge anything on credit that I couldn't immediately pay in cash, and to have a healthy sense of skepticism about banks and financial institutions in general. I guess we as a country need to talk about this more.
I guess.