PENGALAMAN TID*K ENAK PAKAI KARTU KREDIT TOKOPEDIA CARD SAAT BELANAJA DI SUPERMAKET (TOKO OFFLINE)

Summary

In 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

00:00

😓 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.

05:02

📚 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.

Keywords

💡Transaction

A transaction refers to the exchange of goods or services for money. In the context of the video, the main theme revolves around a transaction at a supermarket where the narrator used a credit card but encountered an error with the electronic data capture (EDC) machine. The transaction was mistakenly processed twice, once with the credit card and again with cash, leading to a double payment.

💡Cashier

A cashier is an employee responsible for handling financial transactions at a store. In the video, the cashier plays a crucial role in the transaction error. The narrator mentions that the cashier was not aware that the transaction had already been processed, which resulted in the narrator paying again in cash.

💡Credit Card

A credit card is a payment card issued by a financial institution that allows cardholders to borrow funds to make purchases. The narrator used a BRI credit card for the transaction, which was mistakenly processed twice, once as a credit card payment and again as a cash payment.

💡Error

In the video, an error refers to a malfunction or issue that occurred with the EDC machine, which failed to print the receipt and indicated a transaction error. This led to confusion and the narrator's decision to pay in cash instead of using the credit card.

💡Double Payment

Double payment occurs when a transaction is processed twice, either intentionally or by mistake. In the video, the narrator ended up making a double payment due to the EDC machine error and the cashier's misunderstanding of the situation.

💡Supermarket

A supermarket is a large retail store that sells a wide variety of goods, including groceries, household products, and sometimes clothing. The video's narrative takes place in a supermarket where the narrator made a purchase and experienced the transaction error.

💡EDC Machine

An EDC (Electronic Data Capture) machine is a device used for processing credit card transactions. In the video, the EDC machine failed to print the receipt after the narrator entered their PIN, which was a critical point leading to the misunderstanding about the transaction status.

💡PIN

A PIN (Personal Identification Number) is a secret numeric password used to authenticate a user to a system. In the video, the narrator entered their PIN for the credit card transaction, which was a standard procedure before realizing the EDC machine error.

💡Tagihan

Tagihan is an Indonesian word for 'bill' or 'invoice.' The narrator checked their credit card bill the next day and discovered the double payment, which was the first indication that the transaction had been processed twice.

💡Kasir

Kasir is the Indonesian term for 'cashier.' The video emphasizes the importance of communicating with the cashier to ensure that the transaction has been processed correctly, as it was the lack of such communication that led to the issue.

💡Offline Transaction

An offline transaction refers to a transaction that is not processed through a network or the internet. The video discusses the risks associated with offline transactions, especially when using credit cards, and the importance of verifying the transaction status.

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