Tangerine ties up with CINEPLEX for discount Tickets/Pop corn | Tangerine Bank | Discussion forum

Yet more signs that Tangerine is getting evermore desperate.

They should just fold their tent and meld into Scotiabank,
where they belong.

I don't have any money with Tang now.
It's the first time in over 20 years with Tang/ING that I've not had any deposits there.

I have observed the same phenomenon and also wondered about it. The people using their debit cards at the stores don't look like they're using their last dime, if looks are any indicator.
It seems especially odd when you consider that we are constantly told that massive numbers of people are in debt and are irresponsible about money.
These shoppers aren't creating debt; they are avoiding it. And they seem to be the majority from what I've seen.

A few possibilities:
They have maxed out their CCs and/or have low CC limits.
They feel more in control of their spending with debit.
They just don't like credit cards and owing money.

Loonie said
A few possibilities:
They have maxed out their CCs and/or have low CC limits.
They feel more in control of their spending with debit.
They just don't like credit cards and owing money.  

This doesn't explain people making in-store purchases by debit (I don't get it either) but I use debit to remit quarterly HST installments online. Unless I want to go for a drive and line up at a bank branch (no thanks), it's my only viable option because (1) I'd rather not rely on mailing it, (2) CRA doesn't accept credit cards, and (3) the Interac limit is too low to go that route instead.

I would just use an online bank payment if I could. But for reasons I don't really understand, you can make personal income tax payments and installments directly from your bank account under your SIN but you can't remit HST under a business number in the same manner.

https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/pay-how.html

I would have no use whatsoever for a debit card if it weren't for the HST

rfdm4g4g9 said

. . .

Maybe they should give 2% discount to people who pay by cash or debit! 
 

Selkirk said

That's ^ been tried before.

And when the CC companies get wind of it, the retailer is forced to withdraw that option, or lose their CC contract(s).

That's false information put out by some dishonest merchants who want us to pay by debit or cash and pocket the 2% for themselves.

Merchants know full well their credit card agreements allow discounts for other payment methods, like debit and cash, at the checkout. This is formally confirmed by Element 5 of the Code of Conduct for the Credit and Debit Card Industry in Canada:

5. Payment card network rules will ensure that merchants will be allowed to provide discounts for different methods of payment (e.g. cash, debit card, credit card). Merchants will also be allowed to provide differential discounts among different payment card networks.

Discounts will be allowed for any payment method. As well, differential discounting will be permitted between payment card networks.

Any discounts must be clearly marked at the point-of-sale.

What the agreements actually prohibit are surcharges at the checkout for paying with a credit card. That way, a cardholder doesn't find that $49.99 item on the shelf actually end up as $50.99 at the checkout when he or she takes out a credit card to pay.

Similarly, a lot of Asian restaurants take only cash or debit. I think there may still be some that take only cash.

I still don't use debit or credit cards for daily transactions. I carry one credit card that's linked to my bank account and use it to withdraw cash as needed. Need it to buy gas at Costco , otherwise use credit card for some larger purchases and for extra warranty on purchases. I don't have online banking with this account or card so get a monthly statement in the mail. Limited transactions so really easy to check statement and I don't have to go online every day to make sure nothing went wrong. Cash is still king for me and you would have to follow me around to know what I bought and when and where. If I get short changed and I don't catch it right away it's my loss but I don't lose a minute of sleep over it. I routinely am held up in line behind people paying with something other than cash that has a glitch and holds up the line , similar to the old lady who can't see and is digging for change. Linking ALL my daily transactions to my bank or credit card increases the risk of a breach .
I don't see it as a coincidence that asians prefer to deal in cash as they are more aware of total surveillance of society as many have experienced it first hand and are averse to it.