PENGALAMAN TID*K ENAK PAKAI KARTU KREDIT TOKOPEDIA CARD SAAT BELANAJA DI SUPERMAKET (TOKO OFFLINE)
Summary
TLDRIn this video, the narrator shares a cautionary tale of a confusing transaction experience using a BRI Tokopedia credit card. After attempting to pay for a 70,000 rupiah purchase at a supermarket, an error with the EDC machine led to a misunderstanding where the narrator paid twice—once with the credit card and once with cash. The narrator advises viewers to always confirm with the cashier whether the credit card transaction has been deducted or not to avoid such issues. The story serves as a reminder of the importance of vigilance when using credit cards offline and the potential risks involved with transaction errors.
Takeaways
- 😀 Always ask the cashier if the transaction has been deducted or not when using a credit card.
- 👀 Some cashiers are more proactive and will show you the transaction status, confirming whether it has been deducted.
- 📝 The narrator had an uncomfortable experience using a Tokopedia credit card for an offline purchase.
- 🛒 The narrator shopped at a supermarket and paid with a BRI credit card, but encountered an error with the EDC machine.
- 🔒 After entering the PIN, there was a delay in the receipt printing, and the cashier suggested using another transaction method due to an error.
- 💸 The narrator ended up paying in cash, thinking the credit card transaction was not successful.
- 😳 Upon checking the credit card statement the next day, the narrator found out that the transaction had been deducted twice.
- 🤔 The narrator returned to the store to clarify the situation and discovered the double payment.
- 🛂 The store eventually checked and returned the extra payment after confirming the error.
- 📚 A lesson to be learned is to always verify with the cashier if the credit card transaction has been processed correctly, especially if there is an error with the EDC machine.
- 🚫 If an error occurs after entering the PIN, it's crucial to ensure the transaction has not been processed before leaving the store.
Q & A
What issue did the speaker encounter while using a credit card at a supermarket?
-The speaker encountered an issue where the transaction did not complete successfully due to an error with the EDC (Electronic Data Capture) machine, but the transaction was still deducted from their credit card.
What is the significance of checking with the cashier after a transaction error?
-Checking with the cashier is important to confirm whether the transaction has been deducted or not, to avoid double payment in case of a transaction error.
What was the speaker's initial reaction when the EDC machine showed an error?
-The speaker decided to pay in cash instead of waiting for the transaction error to be resolved.
How did the speaker discover the double payment?
-The speaker discovered the double payment when they checked their credit card statement the next day and found the transaction listed twice.
What action did the speaker take after realizing the double payment?
-The speaker returned to the store and explained the situation to the cashier, who checked and confirmed the error, and the overpaid amount was returned.
What is the main lesson the speaker learned from this experience?
-The main lesson is to always verify with the cashier whether the transaction has been deducted after an error occurs, especially when using a credit card offline.
What should a customer do if they suspect a transaction error while using a credit card?
-A customer should ask the cashier to confirm if the transaction has been deducted or not, and if necessary, request a proof of the transaction status.
How can a customer prevent double payment in a similar situation?
-A customer can prevent double payment by ensuring that the transaction is either completed successfully or confirmed as not deducted before deciding to pay in a different way.
What was the speaker's advice for credit card holders regarding offline transactions?
-The speaker advised credit card holders to monitor their transactions closely, especially after encountering an error, to ensure they are not double charged.
What is the role of the cashier in offline credit card transactions?
-The cashier plays a crucial role in verifying the transaction status and providing customers with the correct information to avoid confusion and double payments.
How can the issue of transaction errors be mitigated in retail settings?
-Transaction errors can be mitigated by having clear communication between the cashier and the customer, as well as by ensuring that the EDC machines are functioning properly.
Outlines
😓 Double Payment Due to Transaction Error
The speaker recounts an unsettling experience using a BRI Tokopedia card for an offline purchase at a supermarket. After selecting items and opting to pay with the credit card, the transaction was processed but faced an error with the EDC (Electronic Draft Capture) machine not producing a receipt. The cashier suggested using another method of payment, leading the speaker to pay in cash instead. However, upon checking the credit card statement, the transaction was found to have been deducted twice—once via the credit card and once in cash. The speaker returned to the store to resolve the issue, which was acknowledged by the cashier, and the overpaid amount was refunded. The lesson emphasized is to always confirm with the cashier whether the transaction has been deducted or not, especially when encountering an EDC error during an offline credit card transaction.
📚 Learning from a Credit Card Transaction Mishap
In the conclusion of the video script, the speaker reflects on the experience with the BRI Tokopedia card and highlights the importance of this lesson for all credit card holders, whether beginners or experienced. The speaker appreciates the viewers for watching the channel and looks forward to meeting them in the next video, emphasizing the practical advice given for avoiding similar transaction errors in the future.
Mindmap
Keywords
💡Transaction
💡Cashier
💡Credit Card
💡Error
💡Double Payment
💡Supermarket
💡EDC Machine
💡PIN
💡Tagihan
💡Kasir
💡Offline Transaction
Highlights
Ensure to ask the cashier if the transaction has been deducted or not to avoid double payment.
Some cashiers are more proactive in showing the status of the transaction to customers.
The narrator had an uncomfortable experience using a Tokopedia credit card for an offline purchase.
The transaction was mistakenly processed twice due to a misunderstanding with the cashier and a machine error.
The narrator paid with both credit card and cash, thinking there was an error with the card transaction.
Upon checking the credit card statement, the narrator discovered the transaction had been deducted twice.
The narrator returned to the store to clarify the situation and request a refund for the double payment.
The cashier confirmed the mistake and returned the extra payment after checking the records.
A lesson for credit card holders to always verify if the transaction has been processed before leaving the store.
Initiative cashiers can show proof of transaction status to avoid confusion.
The narrator emphasizes the importance of checking the last transaction amount to confirm the status.
The narrator recounts a similar experience where a transaction was mistakenly deducted due to a lack of communication.
The narrator advises on the potential risks of offline transactions, especially when using a credit card.
It's crucial to ensure that the transaction has not been processed again after entering the PIN and encountering an error.
The narrator suggests a simple way to check transaction status by asking the cashier directly.
The experience serves as a cautionary tale for all, especially those new to using credit cards for offline purchases.
The narrator shares this story to help others understand the risks and how to handle similar situations.
The video concludes with a reminder to always be vigilant and check transaction statuses to avoid double payments.
Transcripts
pastikan kalian tanya ke kasirnya
transaksinya Sudah terpotong atau belum
Nah jadi beberapa kasir itu ada yang
lebih inisiatif dia menunjukkan ke kita
Pak untuk transaksi tadi belum terpotong
Ya ini buktinya
[Musik]
Oke di depan kalian ada kartu kredit BRI
Tokopedia card nah di video kali ini
saya mau membagikan pengalaman yang
tidak begitu mengenakkan Ketika saya
pakai Kartu kredit Tokopedia card nah
yang ngomongin Sebenarnya bukan dari
kartunya bukan dari saya juga tapi dari
keadaan Maksudnya gimana nah saya akan
jelasin ceritanya gini jadi saya akan
pernah belanja offline di salah satu
supermarket saya nggak perlu sebut
supermarketnya saya belanja tuh saya
belanja saya milih barang-barang habis
terus kita 70.000 udah saat saya bayar
Mbak saya membayar pakai kartu kredit
BRI ya Bisa nggak Oh bisa mas gitu oke
saat itu saya serahkan kartu kredit ini
saya serahkan saya gunakan untuk
membayar transaksi 70.000 tadi
udah dimasukin di input sama Mbaknya
tiba-tiba mbaknya bilang gini Mas ini
Mas 70 ribu ya silakan masukkan pin-nya
gitu oke dengan dan semangat saya
langsung masukin PIN kartu kredit
Tokopedia card saya masukin
beberapa waktu kok
struknya nggak keluar dari mesin EDC nya
tiba-tiba mbaknya bilang gini Mas ini
sepertinya Error Mas
pakai transaksi yang lain ya pakai cash
atau pakai cure gitu
akhirnya tanpa pikir panjang Saya mikir
Oh iya lagi error ya mungkin ya gitu Oke
deh saya pakai cash aja gitu Akhirnya
saya bayar pakai cash 70.000 saya pulang
pulang ke rumah nah besoknya iseng-iseng
saya ngelihat tulis tagihan yang ada di
kartu kredit saya karena saya kan sering
pakai saya itu sering monitor kira-kira
ada transaksi upnormal atau nggak tahu
nggak apa yang terjadi ternyata di list
tagihan Kartu Kredit saya itu transaksi
di supermarket 70.000 itu udah terpotong
Jadi sebenarnya udah terbayar tapi
kasirnya nggak tahu karena mesin edc-nya
nggak bisa ngeluarin stroke dia ngiranya
error tapi aktualnya
170.000 itu udah terdebet dari kartu
kredit saya gitu Akhirnya saya mikir wah
Berarti kemarin saya double bayar dong
Saya udah bayar pakai kartu kredit saya
bayar juga pakai cash nah sehingga
cerita saya datang lagi ke tokonya saya
bilang Mbak kemarin saya pakai Kartu
kredit ini saya udah membayar terus pas
masukin PIN tinggal nunggu proses
katanya mbaknya error makanya saya bayar
cash ini saya cek di tagihan kok sudah
masuk gitu Jadi seolah-olah saya bayar
dua kali Nah tapi dengan baiknya mbaknya
bilang oh oke Mohon maaf saya cek dulu
ya setelah di cek ternyata yang benar
dan uangnya dikembalikan nah Pelajaran
apa yang bisa kita ambil di sini yang
pertama buat kalian para pemegang kartu
kredit entah itu pemula senior atau
sesepuh atau siapapun itu kalau pakai
kartu kredit di belanja offline di toko
supermarket di mall dan kalian sudah
melakukan input PIN terus tiba-tiba
edc-nya error atau nggak bisa keluar
struknya tuh dikasih tahu mohon maaf ada
adalah pastikan kalian tanya ke kasirnya
transaksinya Sudah terpotong atau belum
Nah jadi beberapa kasir itu ada yang
lebih inisiatif dia menunjukkan ke kita
Pak untuk transaksi tadi belum terpotong
Ya ini buktinya nih terus diberi lagi
sama dia transaksi yang terakhir sebesar
sekian jadi punya hak terpotong Saya
pernah seperti itu Nah kebetulan banget
kemarin tuh pengalaman pertama dari saya
juga nggak were dari kasirnya juga
enggak ware akhirnya soldernya terpotong
untung cuma Rp70.000 jadi nggak begitu
besar dan enggak begitu masalah Coba
kalau yang kepotong itu jutaan Nah kan
repot kita juga kesusahan dia juga
keluhan jadi ini adalah pelajaran saya
ketika saya pakai Kartu kredit Tokopedia
card buat bawa apa mas-mas tante-tante
dan kakak-kakak semua biar kalian ngerti
biar kalian paham ada resikonya kalau
transaksi offline Udah masukin PIN tapi
error gitu Nah itu harus kalian pastikan
bahwa semuanya
transaksinya itu yang belum terjadi itu
bisa ditanyain kok cara gampangnya mbak
Bisa dicek Apakah udah kepotong atau
belum dari transaksi sebelumnya bilang
aja gitu nanti Mbaknya nunjukin kok Oke
itu adalah pengalaman saya setelah
menggunakan kartu kredit BRI Tokopedia
card walaupun tidak begitu mengenakkan
tapi ini berguna buat kalian memegang
kartu Tokopedia angkat pemula atau yang
baru punya Terima kasih sudah
mengunjungi channel Bapak tutorial
sampai ketemu lagi di video selanjutnya
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