Warning about giving checks to unknown people collecting tzedakah

[Saver2000]

Debit cards are probably good too

How does that make any sense?  Cc's are no good but dc's are good??

[churnbabychurn]

Your talking about a private person that comes knocking on your door collecting for himself?  Or an organization?

Any time you wish to fulfill the actual action of giving the tzedaka as opposed to having your CC transfer funds on your behalf. If the organization is one that gives money directly to the poor its possibly different and better...
To clarify, giving tzedaka with a CC is a big mitzva etc just saying that its not the same as giving the cash/check. 

[Yeki89]

How does that make any sense?  Cc's are no good but dc's are good??

I don't get the logic either, but I assume he means that by CC you aren't actually giving until the bill is due, but by DC its instant.

[Saver2000]

Any time you wish to fulfill the actual action of giving the tzedaka as opposed to having your CC transfer funds on your behalf. If the organization is one that gives money directly to the poor its possibly different and better...
To clarify, giving tzedaka with a CC is a big mitzva etc just saying that its not the same as giving the cash/check.

Source?  And besides,  where are you getting it from that a check is cash equivalent?

[churnbabychurn]

How does that make any sense?  Cc's are no good but dc's are good??

With a CC the bank pays the payee whether you pay you bill or not, them paying the payee is unrelated to your agreement with them.  a debit card removes funds directly from YOUR account. Usually the transaction does not go through if you cant fund it.

[Saver2000]

I don't get the logic either, but I assume he means that by CC you aren't actually giving until the bill is due, but by DC its instant.

If I make you a shliach mitzvah to give $100 to a poor person for me and I'm also borrowing the money from you bec I didn't give you the $100 beforehand,  I'm not doing the mitzvah to its fullest.

Also,  if thats the logic, why is a check not like a cc?

[Saver2000]

With a CC the bank pays the payee whether you pay you bill or not, them paying the payee is unrelated to your agreement with them.  a debit card removes funds directly from YOUR account. Usually the transaction does not go through if you cant fund it.

And a check?

[churnbabychurn]

Source?  And besides,  where are you getting it from that a check is cash equivalent?

For arguments sake assume that a check has the Din as a shtar chov, (-worst case scenario).A shtar chov has monetary value, can be sold and constitutes giving an actual asset.

[churnbabychurn]

If I make you a shliach mitzvah to give $100 to a poor person for me and I'm also borrowing the money from you bec I didn't give you the $100 beforehand,  I'm not doing the mitzvah to its fullest.

Also,  if thats the logic, why is a check not like a cc?

Its questionable whether the concept of "eved kenani" works through shlichus. If it does (-some opinions), indeed its possibly ok. Thing is that many hold that one does not become a shaliach automatically, a bank cannot have a din of a shaliach...

[PlatinumGuy]

For arguments sake assume that a check has the Din as a shtar chov, (-worst case scenario).A shtar chov has monetary value, can be sold and constitutes giving an actual asset.

Not clear at all, see the various Tosfeis on שטר אין גופו ממון

[churnbabychurn]

Not clear at all, see the various Tosfeis on שטר אין גופו ממון

In this business nothings clear the consensus based on my research is though that checks are lechatchila for most mitzvos. Post dated may be problematic.

[Saver2000]

One thing at a time. If dc is good bec "if the money isn't avail, the transaction would get declined", then why is a check good?

Maybe when he goes to cash the check, there won't be any funds in the account.

[churnbabychurn]

One thing at a time. If dc is good bec "if the money isn't avail, the transaction would get declined", then why is a check good?

Maybe when he goes to cash the check, there won't be any funds in the account.

I knew I shouldn't of said that..,. I meant, that the fact that the transaction could be declined just teaches us that the nature of the transaction is directly from the payer to the payee as opposed a cc paying the payee and later billing me.

[PlatinumGuy]

In this business nothings clear the consensus based on my research is though that checks are lechatchila for most mitzvos. Post dated may be problematic.

רבינו תם holds it's impossible to sell שטרות medoriasa.