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Always use cash from now on, not credit cards
invite response
2021 Sep 4, 4:36pm 52,024 views 405 comments
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399
NuttBoxer
2024 May 30, 10:43am
NuttBoxer
2024 May 30, 10:43am
mell says
This is the entire point. Credit cards are owned by banks. Banks are controlled by the Fed. CBDC's, you get the picture...
they also get a lot of data out of this to crunch and sell
This is the entire point. Credit cards are owned by banks. Banks are controlled by the Fed. CBDC's, you get the picture...
400
NuttBoxer
2024 May 30, 10:45am
NuttBoxer
2024 May 30, 10:45am
mell says
CBDC's again. Is a chip more secure than a swipe? Fuck no. What about a tap, even worse! They want you to get used to tapping chips, which will be inserted in your hands.
Atm fees and account management fees. Likely they can also sweep a certain percentage of your checking account overnight
CBDC's again. Is a chip more secure than a swipe? Fuck no. What about a tap, even worse! They want you to get used to tapping chips, which will be inserted in your hands.
401
NuttBoxer
2024 May 30, 10:48am
NuttBoxer
2024 May 30, 10:48am
I had my card skimmed by some JS inserted into a site years ago. Credit union, one or two charges came out for Home Depot. I reported it and was credited back immediately while investigation was conducted. I've had to file other disputes as well, this has always been the standard, but I only use credit unions.
Other advantage, I don't keep much money in banks, don't really trust them...
Other advantage, I don't keep much money in banks, don't really trust them...
402
Patrick
2024 May 30, 11:22am
Patrick
2024 May 30, 11:22am
I use only credit unions now as well.
Plusses:
- they don't close accounts for political reasons like JP Morgan Chase does over and over
- higher rates than banks!
Minuses:
- not as professional
- limited number of physical branches
Plusses:
- they don't close accounts for political reasons like JP Morgan Chase does over and over
- higher rates than banks!
Minuses:
- not as professional
- limited number of physical branches
403
RWSGFY
2024 May 30, 12:21pm
RWSGFY
2024 May 30, 12:21pm
Patrick says
I disagree on "less professional" part: when I needed to wire transfer a non-trivial sum to an unusual destination I first tried to go through a big bank because they promised 100% online experience and they failed miserably - I had to visit them 3 times, my money were frozen in the account for 3 or 4 days and ultimately they said it couldn't be done. Went to my long time CU and all was done under a 1/2 hour.
Who's less professional here?
PS. Stupid me for not wanting to go in person in the first place.
I use only credit unions now as well.
Plusses:
- they don't close accounts for political reasons like JP Morgan Chase does over and over
- higher rates than banks!
Minuses:
- not as professional
- limited number of physical branches
I disagree on "less professional" part: when I needed to wire transfer a non-trivial sum to an unusual destination I first tried to go through a big bank because they promised 100% online experience and they failed miserably - I had to visit them 3 times, my money were frozen in the account for 3 or 4 days and ultimately they said it couldn't be done. Went to my long time CU and all was done under a 1/2 hour.
Who's less professional here?
PS. Stupid me for not wanting to go in person in the first place.
404
stereotomy
2024 May 30, 12:30pm
stereotomy
2024 May 30, 12:30pm
RWSGFY says
Credit unions will process ACH transactions between individuals. My commercial bank won't do that.
Patrick says
I use only credit unions now as well.
Plusses:
- they don't close accounts for political reasons like JP Morgan Chase does over and over
- higher rates than banks!
Minuses:
- not as professional
- limited number of physical branches
I disagree on "less professional" part: when I needed to wire transfer a non-trivial sum to an unusual destination I first tried to go through a big bank because they promised 100% online experience and they failed miserably - I had to visit them 3 times, my money were frozen in the account for 3 or 4 days and ultimately they said it couldn't be done. Went to my long time CU and all was done under a 1/2 hour.
Who's less professional here?
PS. Stupid me for not wanting to go in person in the first place.
Credit unions will process ACH transactions between individuals. My commercial bank won't do that.
« First « Previous Comments 399 - 405 of 405 Search these comments
They have a window where you can order a beer while you are waiting. So I ordered a beer and they refused to take cash.
OK, I wanted the beer, so I paid with a credit card. Then the total had an extra $1.50 on it. I asked about that and was told that I added a tip. I specifically did not add a tip because I was pissed that they don't take cash.
I got the manager and made him remove the tip.
We are rapidly approaching the CCP utopia of complete tracking of all citizens at all times.
Lesson: call ahead and make sure a restaurant will take cash. If they will not, don't go there.