₦airaland Forum

dingbang:
A handful of us have been victims of our ATM cards being seized by the Automated Teller machine and when this happens, it leaves us devastated. Have we been curious to really know the reason why this is so? This thread will try to give us highlights of some possible causes and enlighten us to properly use the ATM when next we visit.

(I highlighted some words for those who are ITKs. They won't read in between lines but jump into conclusion).

I would also call on Professionals in the banking sector to add to these points being highlighted so that we too can learn. Before I will start, let's have a brief Introduction about the ATM. Some of the points were culled from blogs.


An ATM (Automated Teller Machine) which is also called by some other names like ABM (Automated Banking Machine), Cash Machine or Cash Point is a self-help electronic banking device which is networked with financial institutions and performs financial transactions for clients. Modern ATMs can perform a variety of functions including cash withdrawal, cash transfer, cash deposit, utility bills payment, balance inquiry, obtaining the bank statement etc. Despite of all the advantages, ATM cards, Debit cards or Credit cards which are used at ATMs may get swallowed by the machine. There could be several possible reasons for this trouble which I have discussed below.


1- Inserting the card wrongly


There is a way to insert the card in ATM. You can find an arrow on one side of the card which indicates in which direction you have to push it into the card inlet of ATM. But if you do not do that way, ATM might fail to read your card and swallow it instead of returning it.

2- Having no balance or insufficient balance in account


Some ATMs are configured to hold your debit card or ATM card if you have no balance or insufficient balance in your bank account. That is an unfair policy to hold your card for that reason but it’s happening.

3- Using a faulty or broken card


Every card has the name of account holder written on it in plus a magnetic strip on the back which carries necessary details which is machine readable only. If for some reason the name or magnetic strip fades away, the ATM will not be able to read the card and might hold it. Same is true in case of using broken or bent card. It might get stuck inside.

4- Using a card in wrong ATM


An ATM is configured to support certain services like Visa, MasterCard, Discover, Maestro, American Express etc. If you insert a card into such an ATM which does not display the logo of your service, your card might be eaten by the machine.

5- Using an expired card


This is a big issue about which people do not care. If the card has crossed the expiry date, the card becomes useless. Putting that into the cash machine might get swallowed by it.

6- Using the blocked card


If you lost your card, blocked it and later recovered it but didn’t unblock it or your card was blocked by the provider due to the violation of any term, using such blocked card will alert the ATM and it will simply eat up your card.

7- Use of reported card


A stolen card must be reported immediately. Such cards become useless even if you recover them. Using such cards will result into alerting the cash machine and holding your card.

8- Out of order ATM


This is one of the biggest issue which can create troubles for users. An out of order machine can swallow your card instead of returning it. The major cause for this problem could be the failure of any mechanical or electronic part inside the machine.

9- Entering PIN erroneously several times


When you use your card at an ATM, you have to enter the PIN before proceeding to services menu page. If you have forgotten the actual PIN and enter it erroneously several times, ATM will hold your card considering it a stolen card or a theft attempt. Sometimes, mistakenly entering wrong PIN more than once can result into the same.

From your list, only points 5, 6, 7, 8 & 9 are possible reasons for the card to be retained. As for the other points, the card'll be ejected.

beetown:
Seems you're right about the insecurity, that could be the reason she always checked my WhatsApp... When I do what she likes she'll compare me to either her father of elder brother

Chai. So you're like a brother to her?

I thought that's what girls tell guys they've friend-zoned.

obicentlis:
Mr Edeth, you are not the first priest to resign from The Church and you can't be the last. Your arrogance to the authority is what led you out. The church is structured in humility and obedience, whoever that lacks this, can't be a leader. You are not greater than Fr. Mbaka and can't be greater than other priests with special grace that are still under the authority of their Bishops.


BTW, none forced you to be a priest, if not for anything, appreciate the church that gave you a ladder.

Why attacking him. He didn't say anything bad about the church. Did he?

I was also suicidal 6 weeks ago.

Maybe she lost money to failed Ponzi schemes in xGHW, WaFo and MMM. Mine was N1.3m.

At the end of the day, he'll still weigh <65Kg, while I with my 0-1-1 diet, clock 93Kg.

If you really look at it, some of these unwholesome behaviour of Chinese employers, are extensions of how their government functions. They practice communism sure, but it's complete autocracy. Dissent and die!

So when they come here and behave like monsters, they are simply practising what their government does.

Opulence amidst abject poverty.

majamajic:
A long black seat ... no demarcation between the rider and passenger's seat.

Much stronger and costs more that's why easterns don't use it for okada stuff. 2 bajaj will buy 3 ogbawa cycles with some change to register the 3 cycles

How much does a Bajaj motorcycle cost?

amzee:
Even if Kcee contest for Class monitor I wont vote him not to talk of Governorship election.
.
.
He cant even spell Anambra correctly.

LOL. And his slogan is Attention To Detail 2017.

Israeljones:
This guy is filled with all talks and talks alone....
If hes trully pained and determined he wants this biafra of a thing he should stop talking and act instead of abusing and throwing jabs at people who never really had his time....
He should act... He should go to Abuja himself and demand for referendum and demand his illusion biafra from Osibanjo instead of making himself a mere celebrity..

We are tired of him sounding like lion but acting like timid rat...

He's not timid my man.

If you've seen him in action, you'll agree with me that he's not timid.

Conner44:
Reminds me of that Eminem & Dido's song "STAN"

Yeah.

Though no bridge this time.

One of them (don't know which) came for our office 2016 EOY party. She was looking far different from what's in the pics attached here.

Caveat emptor!

Robbers struck again this afternoon around 12pm. Robbed my friend who is a liquor wholesaler/fruits exporter at Nsude.

Then another group waylaid vehicles at the bad spot on the express from Ugwu Onyeama to 9th Mile. Around 1pm.

sleeknick:
A twitter user is looking for her child.

According to the twitter user the house help left with the child and her phone has been switched off. Pls let's help spread the word.

Mods pls do justice.

Do the needful

Unfortunately, madam doesn't have any picture of the Househelp.

LexngtonSteele:
Action from start to finish.

Craaazy!
Obviously there'll be a Ch 3. Given the way 2 ended

LexngtonSteele:
If you know you want to be a tough guy,

Why not join the army or police? or

Like me, watch John Wick, James Bond etc?

Pointless and senseless waste of lives over yeye values.

Have you seen John Wick: Chapter 2?

infohenry:
I nwere Nna, onye wu Nna gi n'ala igbo. What we can't be we criticise, Rochas has touched many lives that even the gods will forgive him of his shortcomings. Nnamdi Kalu and FFK that are calling him names can not point to one life that they have impacted positively asides boasting of their heritage. Ndi iberibe.

Better come and collect him. We freely and willingly donate him to you.

LexngtonSteele:
Please check the other article where FFK replied Rochas....

Able-bodied Jews are queuing up to lick the sweat and the salt clean off FFK's balls there

For someone who could think of no other name to assign to himself, other than that of a por.n actor, do you think your opinion matters?

DarkMagic:
Abi d square

Correct. Square o jare

NtoAkwaIbom:
God plsss let dem Go ooo... Mbok abasi.
e go just sweet to dey enta plaza dey task all IGBO people wey dey sell there..
tell them say if dem no like make dem return go their country..

God I can't just Waite...

Malaria parasites

Waaaawu!!

You can't deceive me. I know the picture of a baby hippopotamus when I see one. You think you can just go to any zoo, snap pics of animals having their peaceful post-coital nap and come here to deceive me?

Thought you said 5 things? Why am I just seeing 2?

Another thing she can't tell you, is the actual figure of her total body count. Whatever she tells you, just calculate the square root.

Ever8054:
i wish the dismissed police men a very retched life after dismissal. may the tears they have made others to cry never depart from their lives... me dancing after reading this news...

They committed the crime together, got dismissed likewise.

They'll just form a gang of armed robbers.

obataokenwa:
Your husband is not alone. I'm more addicted than him. I don't think there's a solution other than get a non browsing phone. Deep down I know I'm addicted to phone but planning to shut down and deactivate all by September first. Discipline

I uninstalled Facebook on my device since May, with the intention of re-logging in August, but I changed my mind and have extended it to 2018. I've never regretted the decision. I'm considering uninstalling WhatsApp also. Would do that very soon.

If not for mobile banking, Google and Wiki, I would have stopped using a smartphone. I'm also working towards that.

Smartphone addiction is real. We just refuse to admit the guilt.

The contents of the circular differs from this thread topic.

Nairaboi:
Since the Yoruba's have rejected her, we kindly donate her to the IBO's. I heard her biological parent are from Mbaise, while her paternal grandfather is from Ohafia, and her maternal grandmother is from Nnewi. IBO's we dash una kemi, we no want again. . .

Ermmm...On behalf of all Mba5 indigenes, we deeply appreciate your kind offer but regret to inform you that we wish to decline acceptance. You see, our oracle has warned us that your gift is nothing but a Trojan horse.

Yes we do accommodate mental patients but not of the Grade 5 variety. Facilities for handling such individuals are still under construction as we speak.

We believe our Niger-Delta cousins are very much familiar with these cases and would gladly appreciate her presence in their midst and on that note, we hand her over to them.

Truth be told, I don't see much wrongdoing in K Olunloyo's action. I even got to know that the baby might be suffering a form of diabetes, through Olunloyo's post. Made me more conscious about the condition.

LastSurvivor11:
Give him 5% of the diesel jare

By the way, if ur conversant with telecoms will know about the term diesel transfer.. he might not actually be stealing it..

Indeed. Diesel transfer over the fence cos the site has no gate abi?

But the baby big sha. In 'a biggie nwa' kinda way.

OKDnigeria:
Removing Magu will not kill the cases. The next EFCC chair will continue from where Magu stopped. In fact, keeping Magu there as acting chairman man has keeping things slow in EFCC. Check it naa, and since he was rejected by the Senate, he has been so dull. What has he done since that time? Nothing. If the presidency had replaced with another competent hand (there are many other people who can do the job, Magu is not the only one), we would have moved past this stage since. Why insist on Magu if not for superiority contest?

I beg to differ sir.

We all saw what became of the EFCC after Nuhu Ribadu was unceremoniously removed and replaced with Farida Waziri and Ibrahim Lamorde. Even the replacements themselves were slammed with corruption cases after their exit.

Magu is currently the chair that to an extent, is restoring the confidence which had been hitherto lost after Ribadu's removal.

Before opening the thread, I swore that even though it was ABU, the actual winner would be somebody from the South.

And I wasn't wrong.

ItachiUchiha:
You were still a baby then

When did Eucharia act porn? What was the title? Say the truth and shame the devil?