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Why do you need the receipt itself for fast food or gas? I categorize transactions once a month based on the statements, if something looked crazy I’d dispute i
by dahdum 7y ago
Why do you need the receipt itself for fast food or gas? I categorize transactions once a month based on the statements, if something looked crazy I’d dispute it (never has).
I do take photos of larger dining receipts, since errors can be made entering the tip after I’ve left. Usually anything over $75 I’ll take a photo.
Seems unnecessary to me to spend much time on the noise since I can see in aggregate if some behavior like eating out is problematic.
- kortilla 7y agoAs long as you don’t mind being stolen from, sure. Things I’ve witnessed on my account that are difficult to catch weeks after the fact: - tip added to receipt when I didn’t leave one - tip increased by $10 - tip entered as total amount - entire amount charged twice - credit card number stolen and used at another fast food chain location for one I sometimes visit
- aliceryhl 7y agoI don't know how it works in the US, but here in Europe we can see the amount we were billed on the card terminal and the shop isn't just able to go change it after the fact.
- valleyer 7y agoIn the US, the terminal is not brought to the table. The tip amount is written on a paper receipt and entered by the clerk at a (usually) out-of-sight terminal, usually after you've left. A customer doesn't interact with a terminal at all.
- lol768 7y agoThis is one of the (many!) problems with how financial technology works in the US. Cards get an auth placed twice for the same bill (one without tip, one with tip), there's little to no card-based security in place when making purchases and customers don't get to hear about their transactions until many days have passed since the purchase.
- squiggleblaz 7y agoEvery time one of these discussions comes up, it always seems shocking how bad bank/card mediated transactions are in the US. It's as if you just give your open wallet to anyone. I've just moved to Europe and it feels like I've gone back in time a decade. I can't imagine what it must be like in the US.
- dahdum 7y agoI take photos of receipts to protect against those scenarios, I just don’t cross reference them unless something looks “off” when I categorize monthly. I suppose I could have fallen victim a few times on tiny amounts never knowing, but in total couldn’t be more than $100 over the past several years. I also tip pretty well on smaller bills, so that probably reduces my exposure a bit. I respect the discipline it takes to audit everything, but for me it doesn’t seem worth the effort.