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Always use cash from now on, not credit cards


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2021 Sep 4, 4:36pm   61,371 views  415 comments

by Patrick   ➕follow (60)   💰tip   ignore  

Drove to a restaurant today with my wife and was first of all creeped out to find that they knew my name from my phone number, which I had to give to get on the wait list. They said they use a centralized database of many restaurants for that.

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.

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401   fdhfoiehfeoi   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...
402   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
403   RWSGFY   2024 May 30, 12:21pm  

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.
404   stereotomy   2024 May 30, 12:30pm  

RWSGFY says

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.
412   WookieMan   2024 Sep 3, 3:21pm  

The_Deplorable says





I'll always argue this. Cash costs you 2-5% pre-taxed dollars. It's more expensive to use cash as the CC fees are built into all transactions cash or otherwise. You're literally losing money, you all know this right? If you care about privacy your best bet is to just die. Not a threat, just reality. Cash is also trackable anyway. They put the serial numbers on there for fun.

You guys are all getting taxed 2-5% and sometimes more by using cash on top of sales tax in most states. You can dislike cashless establishments, it's not doing anything. They get more sales because so few people carry cash. They have to pay to have an armored truck transport their cash. Technically it brings down the cost of goods to use credit and you get paid for using it (if responsible). Less likely to get robbed by a piece of shit. You guys should know this in the SFBA. Cost of goods go up for everyone after a register gets robbed.

We spend about $150k on the CC annually. We get about $20-30k of tax free benefits on stuff we needed to buy anyway for daily life and work. Let me know if that's stupid? Privacy is a shit argument. I could find anyone here with 1 or 2 pieces of data and your entire family. I won't, but I'm just saying all cash doesn't do anything. It's a pain in the ass to deal with.

I can just make one cash transaction, once a month with my CC payment. It's a bigger pain to go to an ATM or bank to get cash for daily expenses. If you're all cash you might be out of you're network and eat $4-8 in ATM fees to get your own money. If in an emergency I also want to have my cash when needed. The credit union thing is a pain in the ass if you travel at all. One extra layer of planning and hauling around more cash likely than you need to be safe. Just use a CC. It's way easier and you get paid.

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