http://www.wsj.com/articles/chip-ca rd-nightmares-help-is-on

what's the point of chip cards exactly, more security?

>>56290065
Yes, they cryptographically sign each transaction which makes a simple clone of the card impossible.

>>56289988
>being this much of a wageslave that saving 85 minutes a YEAR "means" something for you

>>56290096
The article author misses the key point that you often are waiting behind other people in checkout lines, meaning you have to add the time of each person you are behind too.

>>56290114
Then hire more cashiers or use automatic checkouts like many shops do already.

>>56290128
>implying my whims control how many cashiers stores choose to hire/staff at a time or the registers they choose to install
That's not how it works.

>>56290083
But they make me leave it sitting out in the open for an eternity instead of putting it safely back into my wallet immediately.

Lost cards will skyrocket.

A couple of seconds is not much for the added security.

>>56289988
Well I'm from Europe and I agree as well, the time required to use a chipped credit card is unacceptable.
It's not that half a minute per day is THAT important, but when you add up all 30 extra seconds for each of the persons in front of you and yourself every day it starts getting annoying.

>>56289988
>slow checkouts
do you even contactless bro?

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>>56289988
>not tapping
How's 2008?

>>56289988
What's with the anti chip shilling lately?

I'm willing to spend an hour and a half extra for the security. You'll be spending longer than that on the phone working out fund recovery when someone clones your swipe card.

>>56289988
There are cards that only have a chip?

I use both since some stores only has chip and some only swipe.

>>56290178
if my bank account was empty i wouldnt care about the lack of security in swiping systems either yea.

Who /cash/ here?

Is America really still on chips? putting your chip in is the backup if your wireless pay option doesn't work within 3 seconds like it normally does.

>Please Swipe

wow. Why don't I just give you a photocopy of my credit card with my address and phone number so you can save time and rob me online?

>go to target chip reader take extra seconds for it to process.
>go to a local chinese buffet chip reader takes less than one second.

>>56289988
Probably bait, but I will bite:
-underwriting a card takes longer than entering a pin
-paypass/paywave shits on both methods in terms of time
-contactless is actually more secure because of the daily/per transaction limits
-security>>>>>>>>>>>>*>one hour per year (especially if your time is worthless, which is in your case)

source: I actually work in a cash desk, and unlike you and that retards who wrote that article, know shit about bank cards.


Underwriting cards need to die in the name of security and progress, or be contained in 'murrika.

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>not using apple or android pay

This literally solves all the issues with cards.

>>56290253
ok half-nigger. I hope you enjoy getting the "brand new" chip system a decade later.

>>56290330
but it doesn't work everywhere, and also my phone doesn't have working NFC because I replaced the battery with a bigass battery that covers the NFC stuff up

>>56290287
Are you German or something?

>>56290363
>it doesn't work everywhere
Not yet, but just give a year.

>>56290363
>also my phone doesn't have working NFC because I replaced the battery with a bigass battery that covers the NFC stuff up

Sounds like a you problem.

>>56290432
>Sounds like a you problem.[Advertise on 4chan]
might get a second phone to use as a high-tech credit card. My previous phone could do the trick actually

>>56290363
samsung pay doesnt have this problem :^)

I just tap my card. The fastest of all. Since OP obviously doesnt care about security either by advocating for swiping he should try tapping.

>not using cash for everything

Top goy

>>56289988
paying in europe is indeed so lagged, it slows down the line in comparison to paying with CASH. I always felt sorry for the people that get the swipe replaced with chip+pin. in the end, they will have lost the past luxury without even noticing it and then be stuck with it because it saves costs for the banks.

>>56290442
I feel your pain replaced the battery on my G3 with a 6600 one double the battery is great but no nfc.

>>56290474
this, i only use cash

>>56290496
G4 w/8500 mAh here, I tried using it with the stock battery the other day and I was getting panic attacks at how fast the battery drained

>>56289988
>Implying you can't just paywave with pincards

Also, as someone living in Australia (chip and pin is normal here), I can tell you 13 seconds is an exaggeration, it only takes me about 5 to insert, pin, and have it accepted. The reporter must have been using some slow-ass terminals.

>>56289988
Thanks for reminding me how backwards the US is with credit cards. The rest of the civilized world has credit cards that you just tap on the machine if the cost is under a certain amount. I haven't had to use the chip (that still comes on the card) in a long time.

>if you use your card an unreasonable amount for small purchases it will add up over a long period

in other news, the sky is still not falling

>>56290178
>Well I'm from Europe

if you were actually from europe you'd realise that OP's post is bunk because the time it takes to process a chip and pin payment is exclusively the time it takes to enter the pin in all but the smallest of stores

>but when you add up all 30 extra seconds

it's not 30 seconds it's 7 seconds per person in front of you per time you use your card, if you go by the figures from op, it's insignificant

>>56290238
>What's with the anti chip shilling lately?

american merchants (and banks but it's mostly the merchants) royally cocked up the rollout of chip and pin and now people are whining because merchants were too cheap to buy the POS devices they actually needed so as the OP's article mentions you don't know whether you need to swipe or chip until you read a sign, which to be quite frank, if you're incapable of doing, you might be a bit retarded

of course there's some that are complaining because the rest of the world is now mostly using contactless and presumably they think if they complain loud enough they'll get upgraded to contactless within the next decade

>>56290240
>There are cards that only have a chip?

there is but they're only for atms usually

if the device has a working chip reader you have to use it unless the chip on the card is damaged or you cover it with something like electrical tape

>>56290523
>The reporter must have been using some slow-ass terminals.

they're all using slow ass terminals, you should have seen it when they were rolled out, you'd think by the amount of people complaining they were using dialup terminals or something

>>56290580
i'm from europe, this is nowhere in my area. all chip and pin

>>56290342
whats that supposed to mean? I'm already using a card with chip. where I live, you cant pay by only swiping anywhere because - guess what - its considered insecure.

>>56290580
I like my current wallet and don't feel like having to buy an RFID-blocking one.

>>56290610
>they were using dialup terminals or something
actually it is dialup over gsm. though the whole dialup process shouldnt take longer than 5 seconds, provided you have good reception.

>>56290651
I bought 2 RFID wallets and both had the hinges break after about a week of use.

Truly garbage

>>56290725
fucking chinks

>>56290610
>if you were actually from europe you'd realise that OP's post is bunk because the time it takes to process a chip and pin payment is exclusively the time it takes to enter the pin in all but the smallest of stores

Most people don't enter their pin, a vast majority of purchases are either with a credit card or running your debit as credit which is just swiping and occasionally scribbling on the pad.

>>56289988
what exactly is the opteration going on here?
does the system:
- use absolutely the smallest chip possible to save a fraction of a penny despite the stamp on the envelope being like $0.50 nowadays?
- use a slow algorithm like RSA instead of an ECC to save on patent licensing fees?
- intentionally go super slow to mitigate side-channel attacks that would take way too long to plausibly steal anyway?

>>56289988
>not using PayPass

>>56289988
I hate """"journalists"""".
This person is so uninteresting that he timed something mundane and thinks he's making a difference because he wrote an article about wasting 85 minutes over the course of a year.

>By: JOANNA STERN
oh wait nevermind, it's a female """""tech journalist"""""""

>>56290143
that is exactly how captialism works
>god i like this store but the wait time is 15mins at the checkout.
>this store has everything and i dont have to wait.
>go next door. it sells the same stuff but has 10 checkout lanes.
this is why there are multiple cashiers in every store.
if the grocery store didn't care then there would only be one lane open.

>>56289988
>murica
>42% credit card fraud
>this is fine
>I save 6 seconds

Seriously though America what is with your infrastructure? I have used these when visiting. I had to swipe and sign, Chip and pin, Chip and Sign (wtf) and just swipe and yeah, those machines took like a minute to work when I had to enter my chip.

Get it together.

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>>56289988
>chip

tfw here every place have pic related
meanwhile amerifarts are still struggling with a 2 decades old technology

top kek usa confirmed for third world

>>56289988
>Think about it this way: If you made two purchases every day for a year with a chip card instead of a swipe or smartphone, you’d spend 85 extra minutes at the checkout counter. That’s nearly an hour and a half of your time, to give someone your money.
85 minutes a year is less than you'll spend on the phone when someone steals your credit card and starts mercilessly swiping it.

What's with the ass backwards logic of America? You're supposed to be improving the card processing time, not going back to swiping.

>>56289988
> Can we get rid of the chip card meme
No. Fuck off and improve your internet/POS terminals. America, the leader of technology, my ass.

>>56291974
America also has shit trains.

>>56291895
We have 320 million people and tens of thousands more businesses that all need to make the change.

Infrastructure changes are not easy with so many things to upgrade, tens of millions of cards, millions of card readers, etc

It's the same reason we still use imperial measurements on our roads, and why we don't have things like high speed maglev trains.

Sometimes I feel other countries forget how big Merica is.

All my credit cards have contactless on them but nobody has it set up and I just look like a retard for tapping the card instead of DIPPING IT INTO THE SLOT.


Also, FUCK CHIP TRANSACTIONS.

>Before
>your total is $x.xx
>swipe card
>2 seconds later, receipt spits out

>Now
>Your total is $x.xx
>insert card into dip
>PLEASE WAIT - DO NOT REMOVE CARD
>10-15 seconds later: PLEASE ENTER PIN
>enter PIN
>PLEASE WAIT - DO NOT REMOVE CARD
>5 seconds later: Remove card
>if you don't remove it exactly at 5 seconds, BEEEEEEEEEEEEEEEEEEEEEP!!!
>terminal starts beeping at you for not knowing the EXACT moment it's going to be done.

>>56290330
Or just use your cards contactless

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>>56292055
>ur total is $x.xx
>>insert card into dip
>>PLEASE WAIT - DO NOT REMOVE CARD
>>10-15 seconds later: PLEASE ENTER PIN

I still dont understand why burgers still are too stupid to understand the slowness has nothing to do with the chip, its the fact your machines are 20 years old and your infrastructure is fucked for handling the upgrade.

Chip+pin was fine back when people still used it. Now the world has moved on to contactless and the rednecks in the states are stuck in the past.

>>56289988

> MFW canada
> MFW swipe requires a signature
> MFW swiping a chip card requires me to use the chip anyways

You know what, I must be retarded and slow, better go back to paying with correct change now.

>Americans
The rest of the world has been using chips successfully for a decade

>>56292282
>> MFW swipe requires a signature
In Canada its always been with a pin, you dont sign anything.

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It's like you faggots really like credit card fraud.
When you homos are making real cash you'll understand why I prefer chip cards.
But I guess you welfare autism leeches will never know this feel.

I dare a cock sucker to say shit about the speed of my payment at the register. I swear on me mum that I will whip out my check book on you bitches. I will balance my shit at the register too.

>>56290208
That shit is a stupid meme.

>>56290690
The small portable ones that you see in restaurants, hair salons, specialist retailers and other small businesses are dialup over GSM. Stores with multiple checkouts like grocery stores have proper broadband connected terminals where the procedure goes something like this:
>Stick card in terminal
>Input your pin
>Wait for 2 seconds as it checks if the transaction with your bank
>You're done and can remove the card from the machine
Typical time for all of this is roughly 5 seconds when you get used to it. The fact that murrifats complain about how this takes too long or is too complicated is quite frankly laughable. Banks should probably move to a policy of "Sure you can have a stripe card, but if it gets skimmed it's all on you".

>>56290610
>contactless within the next decade
We've had contactless payment for the last decade, at least. It's stupid and no one uses it.

Fuck off Euro, stop pretending like you know anything about my country.

>>56292329
The rest of the world has nothing to buy.

>>56292282
> > MFW swiping a chip card requires me to use the chip anyways
It depends on the terminal.
> chip on my card is busted
> go to a local *mart
> please enter pin
> hit the red button
> swipe and sign
>> The other day
> local meat chain store
> swipe or insert
> try to swipe
> chip card, pls insert

>>56290454
Samsung pay is actually not a meme. I love it.

>>56292282
>live in Canada
>tap my card
>transaction is finished and I'm given my receipt by the time I put my card back into my wallet

>>56289988
>If you made two purchases every day for a year
do people with jobs really do that?

>>56289988
>it takes twice as long to pay with a chip card than with a card swipe

That's only because no one in the US cares about the requirement to sign the ticket.

>slow
nice meme
chip takes 10 sec to authorize at most everywhere I used it

if you shop in stores with shit infrastructure or
ones that can't standardize the checkout process then it's your fault

>>56290211
>using insecure tap meme which has a much larger read failure rate

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>>56290432
>>56290454
>>56290496
>>56290734
Stop feeding the tripfag

>>56291931
the credit card industry matters in America so they're slower to adopt insecure error prone meme technology

>>56290287
Transaction limits are the most bullshit thing ever. I will never use a bank or card that tries to tell me how many times I can use it in a day, or how much I can spend. Fuck that, it's my money, I can do whatever the fuck I want with it.

>>56293126
Credit card transactions cost them money.
Transferring around paper bills transfers the burden of accounting from the bank to you.

>>56289988
>swipe
>need to sign

How is that quicker than
>chip
>pin

?????

>>56291869
I can't remember the last time I was in a store, ANY store, that had more than two checkout counters open, even when the lines both stacked 6 deep. Nobody gives a shit about customer inconvenience anymore, it's all about paying as few employees as possible to make it through the day.

>>56292709
>the credit card industry matters in America so they're slower to adopt insecure error prone meme technology
Ironic, since they're STILL struggling to adopt chips and bank checks are STILL the most commonly used form of payment.

>>56293206
>see long queue
ask cashier to open new till
>they do?
success
>they don't?
drop items on the floor and walk out of store

Why do beta americans put up with bad service? I bet you even tip cashiers, don't you?

>>56293239
>I bet you even tip cashiers, don't you?
only if they provide better than average service

>>56293239
You already spent time and/or gas getting to the store and browsing, why would you go home empty handed?

Is your time really this worthless that you would throw out your cart just because you're forced to wait 5 additional minutes?

>>56293285
>You already spent time and/or gas getting to the store and browsing, why would you go home empty handed?
To make your point. No customer service = not getting your money

>Is your time really this worthless that you would throw out your cart just because you're forced to wait 5 additional minutes?
My time is anything but worthless, which is why I stop going to stores that don't provide a minimum of customer service.

>>56293279
I hope this is a joke.

>>56293214
yeah, they should start using insecure garbage like tap to pay instead right?
ids da fudur beguas ids simble:DDDDDDDD

>be Canadian
>tap card
>2 seconds later get receipt
>faster than using cash

>be Canadian
>tap card
>0.5 seconds later "please insert card"
>insert and enter pin
>2 seconds later get receipt
>still faster than cash

>>56293214
What is with this? You don't know shit, fuck off.

Are yuropoors as obnoxious in person as they are on the web?

>>56293285
>You already spent time and/or gas getting to the store and browsing, why would you go home empty handed?

http://www.lifehack.org/articles/communication/how-the-sunk-cost-fallacy-makes-you-act-stupid.html

https://en.wikipedia.org/wiki/Sunk_costs#Loss_aversion_and_the_sunk_cost_fallacy

>>56289988
>That’s nearly an hour and a half of your time

I fucking hate this BS. Red Dwarf already destroyed this meme.

>The average person spends two weeks of their life stirring tea
>Buy our tea-stirring machine and you could have enough spare time to take a skiing holiday!

And then Lister buys the machine and just stands next to it pretending to ski while it stirs his tea.

>>56293206
tfw work at retail
tfw very often it is scheduled in such a way that it is only me and a single cashier in the store at once so I have to decide between ignoring the sales floor or letting lines form

>>56293324
>What is with this? You don't know shit, fuck off.
Do you get your salary/wage in check form, yes or no?

>>56292703
That's a namefag, mr. summer

>>56292026
I think you forget how all these other countries around the world did it just fine. Years ago.

>>56293349
Nope. Most people do not.

>>56293349
even dumb faggots like myself have money directly put in their bank account

>>56293316
Tap to pay only work for small amounts, typically < $20, and only a limited number of transactions within a time frame.

It's much safer than swiping, any rogue terminal or skimming device can read the magnetic stripe and duplicate the transaction multiple times.

>>56290454
Unless you want to root your phone :^)

>>56289988
Real talk, the biggest problem with chip cards for us americans is, that we easily forget the 4 digit pin code. I'm glad that we can swipe, I left school for a reason, I'm sick and tired of learning and remembering stuff.

>>56293327
No, this doesn't apply here.

Let's say you're on your weekly grocery run and you're out of everything and you throw a fit because they won't open more than one cashier till.

Congrats, you just wasted your time.

>>56290157
No they won't.

US is seriously behind the times with transaction technology, It's actually quite surprising.

Australia as an example is Chip+Pin for everything, but it's really not - we ditched magstrip+sign, but we made it easier anyway
- In most places, transactions under $30 don't require a PIN
- Chip+Pin is really only necessary if the business doesn't yet have paywave.

Paywave is EVERYWHERE now, (Visa released first and Australia is big on genrecising trademarks, we don't care if some implementation is called mastercard paypass, it's called Paywave...) transactions under $100 is most places (McDonalds and the like is only $30 for some reason...) don't require a pin.

Those that do, it's still quicker than the previous magstrip+sign.

Chip+Pin is good for security and a good fallback for when contactless payments (It's called fucking PayWave...!) aren't available.

>>56293371
>>56293324

>he US still relies heavily on cheques, due to the convenience it affords payers, and due to the absence of a high volume system for low value electronic payments.[33]
>In the US, an estimated 18.3 billion cheques were paid in 2012, with a value of $25.9 trillion.[34]

https://en.wikipedia.org/wiki/Cheque#North_America

Yes, checks are still used A LOT in the US.

>not using cash


Literally why.

>>56293391
>No, this doesn't apply here.
Yes, it does.

>Let's say you're on your weekly grocery run and you're out of everything and you throw a fit because they won't open more than one cashier till.
Who the fuck goes to the store to buy groceries?

Just order it online and have it delivered to your door like normal people do, jesus christ, are you 70 years old or something?

>>56293422
Is..is this a paywave shill?

>>56293436
can't chargeback cash

>>56293443
>Just order it online and have it delivered to your door like normal people do, jesus christ, are you 70 years old or something?

Quiet, neet.
The adults are talking.

>>56293443
>not hand-selecting which totino's packages look the tastiest
Enjoy your freezerburned gross totino's while I take all the newest and best ones

>>56293436
Who wants to walk around with a bunch of coins or a wad of cash?

I barely carry around cards anymore, most stores use NFC payment using the cell phone or some mcash-like app for payments.

>>56293423
Yes, checks are used a lot by businesses and banks. The average person does not use checks often, if at all and you specifically asked about being paid. Direct deposit is pretty much the standard at any place of business that isn't backwoods mom & pop, you would have to request a check if you wanted to be paid by check.

>>56293457
>newest and best ones
They come from the same storage and even store.

>>56293456
>neet
Implying

Seriously, I live in northern Europe. Physical stores are literally closing down and grocery stores are now offering online ordering and home delivery because they don't need to have a bunch of costly morons employed.

>>56293446
Nah we just call it that.
As a protip, Visa is shit, they just managed to release here first.

Unlike USA and some other nations, genrecising a trademark doesn't make it invalid - so whomever tend to release a product in X category first tends to have their product name used for every version of X product

For example, Drywall is called Gyprock, even products that aren't CSR Gyprock get the name Gyprock since it was the first and most recognized brand.
Band-Aid is another...

>not having NFC enabled card
u w0t

>>56293486
>They come from the same storage and even store.
Clearly, you don't buy anything worthwhile, like fresh produce or fruit.
When you're not hand-picking your vegetables, they'll sell you whatever is in the bottom of the bin, even if it's bruised and close to rotten.

But of course, that goes without saying.
You probably don't even know how to cook your own meals that don't come in a plastic tray.

>>56293486
>They come from the same storage and even store.
Right but you're not choosing which ones you get. Would you trust some dirtbag to choose which tomato you would like?

>>56293491
Euros are now aware we've had contactless payment in the USA for about 20 years, now.

>>56293531
>Amerifats still not aware there are places on earth that are neither europe or america

>>56292026
>Sometimes I feel other countries forget how big Merica is.

Sure its big, but we are not talking about rail roads across the entire country, even between cities they suck lots of dick.

https://www.youtube.com/watch?v=mbEfzuCLoAQ

>>56293514
>Clearly, you don't buy anything worthwhile, like fresh produce or fruit.
I do

>When you're not hand-picking your vegetables, they'll sell you whatever is in the bottom of the bin, even if it's bruised and close to rotten.
Nope, they send you the same stuff that's in the store. For fuck's sake, it's the same stores that run the online ordering stuff.

There are strict requirements to food here and these stores have guarantees... You don't pay on delivery but rather bimonthly, meaning that if you're unhappy with the food you complain and withhold the payment.

>You probably don't even know how to cook your own meals that don't come in a plastic tray.
Stop projecting. Your jealousy is obvious.

>>56293491
It's not NFC, it's RFID.

You're thinking of it as NFC because of Phones, a phone with NFC can emulate an RFID token.

>>56293517
See >>56293543

>>56293538
Euros are the only ones who constantly bitch about America for no reason. Regardless, the USA had contactless payment options before anyone else.

>>56293531
Where?

>>56293540
stop sharing that naive twat's videos
he unironically believes the "everyone needs to go to college" meme.

>>56293556
In America, it was right in the post.

>>56293543
>>56293514
>>56293517
I mean, in the store you have to rely on the looks. Here I can actually cut and taste the food first, and if it doesn't live up to my expectation, I can refuse to pay for it.

Can you go back to the store and demand a refund for a beef you already cooked? I don't think you can many places.

>>56293554
USA might** of had it first, but Australia was the proving ground.

We've had nationwide rollouts of chip+pin in ~2004 and contactless in ~2007

All the banks played along, old machines were replaced.
Only private operators who had non-bank eftpos terminals lagged behind and they only took a year or so afterward.

>**probably didn't, another anon asked where, but apparently only snark is forthcoming.

>>56293584
Where in America? I haven't seen any contactless payment form anywhere, and I've been to the US perhaps 15 times the last 3 years.

Has anyone ever tried that tap to pay shit?
It never works for me and my card has the paywave logo on it.

>>56293632
At least in my country you have to tell your bank to enable it.

>>56293632
yep all the time.

I even use that shit on my phone too

>>56291931
We have the chip in the US.

It's fucking awful. Thanks for the fucking meme that makes every fucking checkout line twice as long a wait.

Good work at being "cutting edge", Eurotard.

>>56293632
Yes, it's standard fare in Australia since ~2007-8

They work fine here, I've never actually had a problem...

>>56293661
>swiping and signing or pressing pin takes shorter time than inserting and pressing pin

>>56293608
America had it first, came out in the late 90s.
>>56293618
Anywhere in America. Fast food restaurants, convenience stores, gas stations, etc. You might not find it in the middle of nowhere, but most built up places will have contactless payment available.

>>56293673
Where did they have it in the late 90's?

>>56292350
It sounds like you assume it's uncrackable.

No system is impervious. It's only a matter of time. At that point, you will have all the same insecurity with twice the wait.

>>56293673
>Anywhere in America. Fast food restaurants, convenience stores, gas stations, etc. You might not find it in the middle of nowhere, but most built up places will have contactless payment available.
I came home from San Francisco on monday, not a single store had it, only chip if you used card or mcash using your phone in starbucks.

>chip + """"""""""pin""""""""""""
US literally just uses chip on the few readers that support them. Never been to a place that needs a pin as well. Is this a Euro thing?

Are americans this fucking stupid ? Do they seriously want to keep cards that can be easily cloned , simply because their transactions take too long to compete ?

>>56293681
Mobil gas stations first had it. Then Bank of America I believe started putting it in their debit cards around 2000.
>>56293690
Maybe you didn't notice it? I lived in the Bay Area until 2013 and most places had contactless if they had even somewhat modern POS systems.

>>56293700
The chip wont work if you don't enter the pin. Swiping and signing is the secondary solution on credit and debit cards.

>>56293672
> Being this dumb or talking about shit without a clue

It's the twice as long that you have to stand there while your "crypto sig" clears.

Keep your whore mouth shut if you don't know what the fuck you are talking about.

>>56289988
>what is tap, the post

>>56293718
>Maybe you didn't notice it?
It's possible. I mean, they've obviously started using mcash and these kind of apps, so it doesn't make any sense that they wouldn't have contactless payment.

I guess you're right.

>>56293718
Who was it through?

>>56293586
>Can you go back to the store and demand a refund for a beef you already cooked?
That sounds petty as fuck, you don't get to just not pay for food if you don't like it.

>>56293722
>It's the twice as long that you have to stand there while your "crypto sig" clears.
Are you saying that actual authentication is bad?

Slow internet connection is to blame for slow authentication + transaction, not the functionality. But I guess you're from the US so you don't know what fast internet even is.

>>56293382
This then no phone pay systems work at all.

>>56293754
>That sounds petty as fuck, you don't get to just not pay for food if you don't like it.
Of course you do. If you come home and find out that your food was rotten or bad or spoiled in any way, you should have the right to go back and get a refund.

>>56293661
What's worth is how blindingly retarded the average person seems to be. Nobody can figure this shit out and you have to listen to cashiers explain it to people.

Even before chips, I could not believe how retarded these people can be.
>in self checkout line at Wal-Mart, hoping to avoid interaction with white trash cashiers
>behind some old lady that can't figure out how to use her debit card

How do these people survive in day to day life?

>>56293773
You sound like a damn troublemaker. If you don't like your beef don't buy beef from that company/farmer/merchant/whoever again

>>56293279
>tipping store clerks and cashiers for doing what they are already paid to do

>>56293285
>>56293206
>accepting substandard service

>>56293754
>paying for a substandard product

Is this a beta neckbeard /g/ thing or are all americans this subordinate?

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>>56293742
You have to look for this symbol on the terminal and it's usually tiny, I wouldn't be surprised if it escaped you.
>>56293753
Mobil? No clue.

>>56293783
In Canada we have had chip and pin for a few years now..
I remember some old man was trying to use the chip and pin thing, jesus he was so slow the machine timed him out several times.
Then it turned out he was using his daughters card and didn't even know the damn pin!

>>56293798
If I pay for a product I should receive that product.

I bet you're the kind of cuck that will eat shitty food at the restaurant instead of complaining that the chef over-/under-cooked your meal, aren't you?

And then still leave a tip.

my card doesnt have a chip and i secure it more than anyone. im never giving this card away. never going to ever use chip. if the pad doesnt take my card, i make them enter my card number manually. fuck you.

>tfw have to avoid eye contact with cashier for twice as long

>>56293860
shes not looking anyway, dude

>>56293754
Your main argument was "how can you trust someone to not pick shitty food" and the risk of not getting paid is how that trust is ensured.

This is how capitalism work. I'm sorry you'd rather have pay for rotten food, but I wont do that.

>>56293860
>"so how was your day?"

i hate this shit so much
i don't want to talk to you, you minimum wage shit

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>>56293860
I know that feel

>>56293868
I also know that feel

>too socially awkward to even make eye contact while still secretly seeking her attention

>>56293868
>implying its ever a QT

Cashiers are always ugly because they are poor. Poor and ugly go hand in hand. If

>>56293829
Ohh another time there was this druggie looking guy in front of me, decides to buy 4x $50 prepaid visas and nothing else.
Cashier rings him up and he keeps saying that his chip and pin is broken, that she needs to swipe his card and blah blah blah.
She entertains him, says ok go swipe it, guess what the system requires chip+pin for such a large purchase.
He argued back and forth with the cashier, and just gave up and left empty handed shortly after.

Obviously he found or stole the card from someone.

>>56290330
>bought phone before Android Pay was a thing
>live in a tiny town where a lot of shops don't even have card machines
The only place that has contactless payments is Tesco Express

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Fucking Americans, swiping is fucking retarded. Punching in PIN code doesn't take any meaningful time but it means some asshole can't just walk in with a stolen card and buy shit.

Sure, you can have a stolen PIN and use the card without permission but how much easier is it to steal someone's wallet and just buy shit before they close the card? Working retail I see a lot of people trying to use stolen cards and shit, and I don't live in some ex-Soviet shithole. I imagine card frauds are much more commonplace in America and other retarded countries where they still swipe cards.

>>56289988
I have a honest question for you /g/ about your country:
1. Your country?
2.1. How much do you pay for "wire transfers"
2.2 How long do they take?

>1. Your country?
Poland

>2.1. How much do you pay for "wire transfers"
>2.2 How much time do they take to complete?
1.
Free is 24 hours at best during work days

$0.75 for one that take ~10 minutes because of account shuffling fuckery and contracts with banks

$5 if it's instant (like 5 seconds)

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What are you working towards? Need advice? Share your study resources!

Post it in here

If you've got a tech career:

>Job Title
>Years of Experience
>Degrees/Certs
>How did you find/get job
>Pay
>Location

>>56294010
Fucking Euros fuck off.

>>56294038
>Job Title
Technical PR expert

>Years of Experience
2 years

>Degrees/Certs
Microsoft PR training program

>How did you find/get job
My friend who was working for Microsoft hooked me up

>Pay
0.10 rupees for 10 Microsoft advocate posts on /g/

>Location
Mumbai India

>>56294010
This

>>56293758
LOL - Keep telling yourself that Europoor.

>>56290330
>apple/android pay > payment terminal company > credit card processor > credit card company > bank account
boy, ain't that safe.

>>56289988

>still won't stop online fraud

>>56293487
In Canada everyone I know calls it paypass.

>>56293758
Swipe authentication in the US was fast. The chip authentication is slow.

If you don't notice a difference in the times, guess whose connection was shit all along...

> Youro's

>>56290096
It's 85 minutes of your free time. The most valuable time you have.

>>56293783
Agreed. I keep waiting for Darwinism to take over, but there is unfortunately legislation that negates natural selection.

>>56294195
>Swipe authentication in the US was fast.
There is no authentication with swipe, just the transaction

Authentication is when the terminal connects to the bank and verifies the PIN

>If you don't notice a difference in the times, guess whose connection was shit all along...
Chip authentication takes less than 2 seconds on average

the last time someone wiped my card was 2005, and the payment was denied

>>56294226
Yes, there was.

In the US, you would swipe and enter your pin.

It would be verified.


The difference in US is 6 vs 13 seconds.

Why do you keep talking about shit of which you are clueless?

>>56294257
>In the US, you would swipe and enter your pin.
>It would be verified.
Only at the bank, the terminal would only get an accept or a reject from the bank.

Now the actual PIN is verified in the logic in the terminal and the transfer is encrypted, preventing skimmers from simply reading the magnetic stripe and then duplicating the transfer.

>Why do you keep talking about shit of which you are clueless?
I work as an embedded developer at a company that develops firmware for bank terminals, you massive retard.

>>56294028
The only people who use wire transfers are illegals sending money back home

>>56294315
Sure, we believe you, idiot.

>>56294315
> Arguing about where the PIN is verified.

Who gives a shit if the end result is shittier?

>>56294257
>The difference in US is 6 vs 13 seconds.
S
L
O
W

I
N
T
E
R
N
E
T

enjoy your skimming

>>56294372
>Who gives a shit if the end result is shittier?
Because skimmers exist and so does rogue terminals

>>56290157
then you must be a fucking retard.

the terminal will flash and beep before its removed, also, if you take your hand off of the card for the 10 seconds it takes to process the payment, you deserve to have it stolen and abused so you can learn to take care of your creditcards

>>56289988
>be europoor
>scan my goods at the self-checkout area
>don't care if it takes a few seconds longer as there's a dozen free terminals

On the plus side, the terminals don't ask me retarded questions.
On the minus side, the tender has to show up and determine that I'm an adult when it comes to buying certain things. Caffeine pills are okay, but a can of Red Bull is no-no.

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>>56289988

Italy here.
At the supermarket everybody use chip-and-signature. I literally see nobody doing the pin with a chip card. Maybe 5 years ago.

only poor people use credit cards unironically

>>56294395
It's nicer to swipe and put it straight back into wallet.

The chip bullshit takes way too long and I'm not going to stand there holding the card while it's in the slot lest I jiggle it too much and make the read fail like all the other faggots I see using chips do

holy fuck
how is america so far behind in this?

>>56294448
Yes, that wad of 20 one dollar bills sure make you look loaded and wealthy, anon.

>>56290157
God, why won't you go back to wheerever you came from you stupid namefag. You are certifiably the dumbest poster on this board.

It's time to stop posting.

>>56294448
There's no real downside to using a credit card, and the fraud protection is usually better than your debit card.

Debit card has basically no perks, my credit card has a few. Why wouldn't I pay by credit card?

>>56294464
About 15 years

>>56294475
>Debit card has basically no perks,
I have the exact same fraud protection and I also have optional credit on my debit card.

These days there is no longer any distinction between credit and debit card other than the amount of credit you can have.

>>56294456
no instead you chose to swipe it 4 times before the payment goes through, right?

swiping is basically phased out here, chip+pin is the standard, and the only problem i have with it is when the terminal gives the denied sound and reads "card declined, contact bank"

I'm more concerned for how this will basically kill a lot of ATMs because upgrading to chip service is prohibitively expensive

>>56294475
direct payment, no holdback period.
credit, obv.
lower fees in some cases

>>56294394
You act like this system is unbreakable.

No system cannot be cracked.

In the end, you will have the same insecurity with added inconvenience.

>>56294511
using your debit card doesn't help you build credit which you need to buy a house or whatever unless you're a true richfag that can buy house cash

>>56294456
>It's nicer to swipe and put it straight back into wallet.
More like

>swipe
>"too fast, try again"
>swipe
>"too fast, try again"
>swipe real slow
>"read error"
>wipe magnetic strip with my shirt
>swipe again
>"read error"
>wipe magnetic strip with shirt once more
>swipe again
>"read error"
>cashier says "hang on let me try"
>cashier swipes
>"read error"
>cashier swipes again
>"read error"
>"sir do you have another card?"
>swipe different card
>"read error"

I think I my magnetic strip was degaussed every other month or so

Now it's just insert card, enter pin, wait for beep while holding card and then pull it out. A lot quicker than swiping ever was

>>56294574
> My credit score is non-existent enough that it's helped by a grocery transaction

Nice!

>>56294554
A lot of our ATMs disappeared when people began extracting money from the shops instead.

It cut down work for shopkeepers in dragging banknotes to the bank to get them onto the account.

>>56294613
The guy at the car dealership told me my score and I think it was pretty good, but desu I don't know much about money things.

>>56293735

Came here to post this. Chip and pin is dead, tap and go.

Chip transactions take longer because people don't pay attention to the pin pad.

t. Walmart cashier

>>56294587
If you have some sort of eel-skin wallet, I would buy this.

I don't think I ever had to swipe more than twice, and that was usually only at the gas pump.

>>56294564
>No system cannot be cracked.
I doubt beaner credit card skimmers have access to some NSA quantum computer able to crack 2048 bit RSA encryption

>added inconvenience.
I guess you're too young to have experienced a demagnetized card strip


>>56294574
>using your debit card doesn't help you build credit which you need to buy a house or whatever unless you're a true richfag that can buy house cash
This only matters in the US though. In Norway they look at your salary/wage for the last three months + your current debt + if you have any overdue payment history or not.

I'm not even sure what my credit score is.

>>56294639
>If you have some sort of eel-skin wallet, I would buy this.
Magnetic car keys in the same pocket as my card holder

>>56294645
>demagnetized card strip
Been using cards for over thirty years, not one demagnetized. What the fuck are you doing to them?

>>56294639
I see people's chips fail to read way more often than I saw cards not swipe. Then they have to do it 4 times or something and it lets them swipe.

Source: work in retail but not cashier usually

>>56294676
Swiping them at magnetic card readers (aka card terminals).

When you do that 10 times+ a day and the strip gets a little degaussed, it accumulates quite quickly.

>ITT americans holding back technology, again.

>>56289988
retailers WANT payments to be slow so that people will make more high profit margin impulse buy at the checkout

and chip+pin is more secure, you murrilards have been outrageously slow in adopting it

and europe is starting to get contactless payment cards which are very fast to pay with

>>56294698
>"We don't need no stinking payment security, this is 'murrica!!! I should be free!!!!!!"

>>56294698
More like Europeans being fucking annoying shits as usual.

I find it ironic that Americans here find it time consuming to type in a PIN, but have no difficulties calculating what price they actually have to pay when needing to calculate some arbitrary sales tax that is dependant on which geographical area you happen to be in right now.

>>56294715
>and europe is starting to get contactless payment cards which are very fast to pay with
Hahaha JUST now? EUROS SO FAR BEHIND GET WITH THE TIMES RETARDS.

>>56294753
And also consider whether or not to tip the cashier, apparently.

>>56294753
The cash register does that part for us, it's not like we go up and say ayyy I owe you $10.42

https://www.youtube.com/watch?v=xkZPs2K8_e8

>United "Sharted in Target" States
>United "Must Go In Costco" States
>United "Gurgling at Burger King" States
>United "Loose Gut In Pizza Hut" States
>United "It Came Out At In-N-Out" States
>United "That Bad Smell in Taco Bell" States
>United "Good Golly, It's In The Trolley" States
>United "Couldn't Find The John In Johns" States
>United "Drop My Piles In Walmart's Aisles" States
>United "Craps A-Droppin' At Baskin-Robbins" States
>United "My Ass Went Crazy Over At Macy's" States
>United "Leaking Arseholes Down In Marshall's" States
>United "A Walmart Fart, Now A Walmart Shart" States
>United "My Pants Are Yucky Down In Chuck E." States
>United "Things Went Crappily Down At Applebees" States
>United "Pain In Heart, Made Me Shart, On The Floor In KMart" States

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>>56289988
>instead of 1 second it takes 2

>>56294781
>The cash register does that part for us, it's not like we go up and say ayyy I owe you $10.42
So the cash register could add another $0.50 and nobody would notice?

>>56294802
Maybe if they can't read.

>>56289988
>Think about it this way: If you made two purchases every day for a year with a chip card instead of a swipe or smartphone, you’d spend 85 extra minutes at the checkout counter. That’s nearly an hour and a half of your time

and if you went the legal speed limit instead of your cars speed limit on you commute to work, you'd also waste hours of your time.

2 hours a year is a drop in the ocean compared to other shit people waste their lives on, like, say shitposting for hours every day on /g/

>>56294802
...what is a receipt?

>>56294680
>I see people's chips fail to read way more often than I saw cards not swipe.
Only way that could be remotely true is if we are talking about the states where they are fucking idiots using decades old equipment.

>>56294781
So how do you know if you can afford this or that if you only have a $10 dollar bill?

>>56294819
Something most people just throw away, like they trust cash registers to calculate the correct sum without thinking about it?

>>56294819
>keeping and reading the receipt for everyday purchases
nice time saved, fucko

>>56294587
This

I guess you people have been using chips so long that you don't remember how easy it was to demagnetise your card.

>>56294843
>Something most people just throw away
Then it's their fault. They ignored both the display on the terminal and their receipt, too bad for them.

>>56294819
>keeping the receipt and reading it for every single fucking purchase is easier than just including the sales tax in the price to begin with

Why are Americans so silly?

>>56294843
You memorize that each dollar is X amount of tax so in my case sales tax is 9.025% so each dollar is like 10 cents. I could buy something that's 9 dollars and 10 cents with maybe a few cents leftover

Basic arithmetic and you round.

>>56294864
So you're saying that people are too lazy to calculate what they owe BEFORE they pay, but they keep the receipt and go over their spendings afterwards to check that they didn't pay too much in taxes when they bought a fucking pack of chewing gum???

Is this bizarro world?

>america
>a place where people complain about problems that may occur with 'new' technology that has been implemented and even superceded in developed nations

This is the equivalent of a Amazon tribesman complaining about this new fangled wheel idea in the 21st century.

To all Americans, just kys so we can reduce our emissions and save this world. Thanks.

>>56294896
So they do calculate the taxes in their head before they pay then?

>>56294194
>>56293487
it's nfc/contactless you filthy dicks

>>56293531
>>56293554
and that's why you whine about losing your swipe cards to chip+pin?

>>56289988
I bet you are against vaccines too

>>56294896
>so in my case sales tax is 9.025% so each dollar is like 10 cents
murrica

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>>56289988
Can anyone explain to me why I hear so much talk about people using CREDIT cards?

I haven't had a credit card in my whole life. I haven't seem any family member use credit cards. We use debit cards or whatever they're called.

TL;DR: What's the purpose of credit cards?

>>56295031
if you get a good/decent deal with your bank it's like an interest-free loan as long as you pay your bills in time

Delay your large payments so you can invest your money In the short term.

It's literally free money if you do it right.

It's also literally a knife edge, where you get jewed into the ground if you don't manage your finances properly.

>>56295031
you have a credit on those, some aren't even associated with a bank account and you get a bill at the end of the month, while the ones that are, can be overdrawn beyond the ammount present in the bank account

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>>56295031
>mfw

>>56295031
>TL;DR: What's the purpose of credit cards?
In the US: Build up a credit score so you can apply for a loan/mortgage at a bank.

>>56289988
>If you made two purchases every day for a year ... you’d spend 85 extra minutes at the checkout counter.
That's fucking nothing. One and a half fucking hours over the course of an entire year.

>>56295082
>one and a half hour is nothing
Breivik shot and killed 69 people in an hour

An hour can be everything if you manage your time properly

>>56295075

But what's the difference between a debit card and credit card?

With credit card you get a bill each month for all the stuff you've bought? With debit you just pay each individual transaction at a time?

seems to me like the exact same shit except you make one big payment each month instead of just taking money from your account every time you buy something? How exactly is that building credit.

>>56295073
what? I'm asking what's the difference between a credit card and a normal debit card.

>>56295075
>credit score
wat

>>56295121
that's why you're in this shitty 4chan thread right now right

>>56295125
a debit card takes money from your account immediately. a credit card leaves the money in your account and you can spend more money than what's in your account.

>>56295125
>But what's the difference between a debit card and credit card?
a debit card pulls money directly from the bank account it is associated with. it's like cash but without having cash on you
a credit card asks the nice hebrew bankers for a loan every time you pay something with it, which you have to pay back to them at the end of each month (+ interest). the more monis you loan from the nice israelites, the better they like you and that can potentially get you a better deal when buying a house, a car, et cetera (but only as long as you KEEP loaning and PAYING back any interest rate they ask)

>>56295125
Wow. They really need to start teaching basic finance and accounting in high school.

Debit cards are direct links to your checking or saving account and can immediately withdraw money.

Credit cards allow you to charge a payment to the bank (who really pays at the time of sale) and then you pay what you owe to the bank at a later date (with interest if you go beyond your payment period). You can spend more than you actually own through a credit card.

>>56295125
>But what's the difference between a debit card and credit card?
These days, not much.

In the past: debit card = using your own money, credit card = using credit and then paying back when you get a bill

>With credit card you get a bill each month for all the stuff you've bought? With debit you just pay each individual transaction at a time?
Yes

>seems to me like the exact same shit except you make one big payment each month instead of just taking money from your account every time you buy something? How exactly is that building credit.
Credit score, not credit. It says something about your ability to pay.

Also, interest. Most credit cards are interest free the first 30 days, while you have an interest rate on your bank account. So the longer you have money on your account, the longer your interest accumulates.

>>56295129
>wat
https://en.wikipedia.org/wiki/Credit_rating

Basically, if you want to get a loan in the US, the banks will check your credit score. In order to have a credit rating, you need to use a credit card.

>>56294680
Having worked retail in Canada for over 15 years with magnetic strips, chips, and NFC, I can say that you're categorically wrong. Chips are far more reliable than mag strips as the chip makes electrical contact with the reader. Mag strips get damaged extremely easily by scratches, etc on the plastic.

That said, NFC is easily the least reliable one owing to people not knowing how to place their cards on the readers.

>>56295129
>>credit score
>wat
jewish GoodBoy points

>>56295239
>Wow. They really need to start teaching basic finance and accounting in high school.
They do in all of Europe, the problem is that anon is 12 years old.

>>56295239
>>56295261

Why the fuck would I spend more money than what I have in my bank account? I'm not a degenerate nor I'm not that broke.

Seems like you have to be either one to use a credit card.

>>56295169
I have 85 minutes to spend since I refuse to use chip.

>>56295294
>Why the fuck would I spend more money than what I have in my bank account?
You shouldn't.

>Seems like you have to be either one to use a credit card.
Read >>56295261 again.

>>56295294
>Why the fuck would I spend more money than what I have in my bank account?
do you have a couple of hours to discuss capitalism

>>56295324
>>56295294
>>56295261
Also, many debit cards charge you some small amount per transaction, while it is usually free with credit cards (because jewish bankers aim to give you some incentive for using the credit card).

Takes a couple of seconds here in Finland...

>Has old and crappy CPU
>My computers is slow!!!
>Let's destroy all computers

>Has shitty internet
>Downloading takes forever
>THE INTERNET WAS A BAD IDEA

I bet you also think the imperial system is better than metric, for no other reason except that "we use it and I hate change"

Thank you for advancing technology with your bulletproof logic

>>56294896
>sales tax is 9.025% so each dollar is like 10 cents

>Americans

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>Chip + PIN is so fucking slow holy shit

Compared to what? Granny breaking out the check book, writing it out and asking the cashier three times who to write it to? Or waiting for the check machine to fill it out, fuck it up two times and then error out because it thinks the check is illegitimate?

Let's pretend everyone goes back to that and consider how much faster the new process is by comparison. People would be sucking jew cock about how much time they save by comparison.

Everyone takes for granted all the time automation saves us throughout the years they forget what we started with and cry baseless, salty tears when they have to wait an extra 30 seconds to get their quadruple whopper and feed their horking whale children at burger king.

>>56294431
the fuck?
I use bancomat all the time, never used carta ever, why would I waste time with my horrible signature

Friendly reminder that people in the US

>drive/walk to the grocery store to buy food rather than ordering it online and have it delivered to their door, thus companies have to pay wages for workers, rent for the physical stores etc
>use cash predominantly, even though the metal used in coins are worth more than the actual value of the coin
>pay workers with checks, as in literal pay checks
>predominantly pay bills by sending money (or checks) by mail
>still haven't adopted roundabouts in order to make traffic go smoother
>still have telephone landlines for telephone and fax
>still use analogue FM/AM radio instead of DAB/DAB+
>still send TV signals over air or through dedicated cable infrastructure instead of using IPTV

>>56295645
Hell, chip + pin is even faster than having to wait for the cashier to give you back the correct exchange if you pay in cash

>>56295261
>In order to have a credit rating, you need to use a credit card.
But, isn't a credit card used to use loans? So you mean I need to load to be able to loan? Or can they be used for debit too?

>>56295753
A credit loan is different than e.g. a mortgage loan, but yes, the US system is kinda broken. You need to borrow money and pay it back in order to be eligible to borrow more money.

>>56295789
So that's why I see so many Americans using credit cards.
That's a really weird system.

>>56295837
america is beyond full retard

>>56295648
>>pay workers with checks, as in literal pay checks

What.
The.
Fuck.

>>56294945
>and that's why you whine about losing your swipe cards to chip+pin?
No one is whining except merchants and people inconvenienced by the merchants who can't get their shit together.

>>56294905
You have to be a complete retard who has never purchased anything in his life.

>>56295648
Friendly reminder Europeans are fucking annoying basically know everything they know about America from other Europeans.

>>56295929
Because I actually figure out what I'm supposed to pay before blindly paying and then needing to double check the receipt at home?

>>56295648
>>pay workers with checks, as in literal pay checks
>>predominantly pay bills by sending money (or checks) by mail

US confirmed for lagging 60 years behind the rest of the world

>>56295944
>Because I actually figure out what I'm supposed to pay before blindly paying
Who was talking about this? If you want to do this, go ahead, no one is stopping you.
>then needing to double check the receipt at home?
What? You know you can watch the items ring up on the terminal, right? You can 'check the receipt' before you ever get the receipt. Am I being trolled or have you actually never been to a retail location?

>>56295962
Confirmed if you take Euro memes as facts, maybe.

>>56295962
the vast majority of the US is fucking shit

>>56295978
>Who was talking about this?
Read the chain of posts before replying, you flaming faggot.

>What? You know you can watch the items ring up on the terminal, right?
READ THE FUCKING CHAIN OF POSTS

>>56295990
t. never set foot in or around America.

>>56289988

> doomed ourselves to the slow checkouts of Europe

It's instant here in Northern-Europe.
Put in card, punch in number, that's it.
Only place where a card payment takes +10 seconds, is in the fucking Taxi.

>>56293443
Grocery purchases are quick because they have multiple registers running at the same time. Not to mention that there are the self-serve checkouts.

>>56295995
Not my fault you've never left your mom's basement.

Why are Europeans so fucking annoying and self righteous?

>>56296004
>spend money and time going to the store
>spend time picking out what you need
>spend time waiting in line behind 8 people in line because Shiquanawana ain't got time for dis
>paying for the products, embedded in the price is a fee for the rent the store pays, a fee for the employees' wages, a fee for the store's electricity bill etc
>go home open container, realise it is spoiled

>>56296017

Nice damage control.

>>56296045
nice story, what's the point?

>>56294456

This. I don't like putting my card somewhere and taking my hand off of it. Same reason that so many ATMs have you insert and immediately remove. It's a better system that results in fewer lost cards.

>>56294587

>swipe
>swipe
>swipe
>swipe

What is wrong with you people? I can count the number of times I've had a swipe failure on one hand.

>>56296066
Ordering online getting groceries delivered on your door > Going to the grocery store yourself

It is more cost efficient, stores don't need to have physical area for retail space, only storage. They have to employ less workers. This is reflected in the price.

It's more convenient for you, you don't have to travel somewhere and do any effort. You can just make an order online and wait for it. You can even have a weekly subscription service that automatically order your weekly groceries.

With a subscription payment model, you now have the power to refuse payment if the quality of the food doesn't meet your expectations.

The only exception is emergency purchases, like, "shit I forgot to buy more toilet paper and now I got diarrhoea"

>>56293423
what the fuck. in brazil cheques are last resort and most businesses require you to fill forms and forms with personal data so they can track and kill you if there are no funds.

>>56296156
>This. I don't like putting my card somewhere and taking my hand off of it. Same reason that so many ATMs have you insert and immediately remove. It's a better system that results in fewer lost cards.
It's not. ATMs will not give you any money until you remove your chip card first. Payment terminals will beep if you don't remove your card.

>What is wrong with you people? I can count the number of times I've had a swipe failure on one hand.
That's probably because you predominantly pay by cash then. Back when magnet strips were the only option, I had to replace my card around every 6 months due to the strip either getting damaged and peeling off or from being demagnetised simply from being swiped too many times.

>>56289988
i'll stick to chip. I could use the extra 85 minutes out in the world every year.

>>56296175
The US is lagging behind 60 years. See >>56295648

Yes, the majority of bills in the US is paid by mailing cash or checks. Yes, the MAJORITY.

A lot of people (not a majority, but still millions) are paid by their employers in CHECKS. As in LITERAL PAYCHECKS.

I mean, wire transfer has been around since the early 80s? Late 70s?

File: Teabags.gif (2MB, 320x240px) Image search: [Google]

2MB, 320x240px

>>56293331

>>56295648
Wut? There are no roundabouts in america?

>>56296190
>ATMs will not give you any money until you remove your chip card first.

You realize this depends on the ATM, right?

I've gone to plenty of ATMs that give money and only give the card back when you say you're done.

>That's probably because you predominantly pay by cash then.

No. The only time I've used cash with any regularity was when I was in Japan. Cash in the US is just a pain in the ass. Constant whining about wanting smaller bills. Even taxi drivers are bitches about it.

>>56296158
>The only exception is emergency purchases, like, "shit I forgot to buy more toilet paper and now I got diarrhoea"
Given the quality of food in the US, this is likely the reason they're lagging behind.

You can't get 500 TP rolls delivered weekly without paying an ass load in delivery costs.

>>56296228
There are, especially in old town squares

>>56296228
Only very few. Americans have no idea how to drive in one, often leading to hysterically comical situations and bad driving.

Americans need simple orders. That's why traffic signs there explicitly say what to do, for example, "NO PARKING", "NO U TURN", "SLOW DOWN", "STOP ON RED LIGHT" etc.

http://www.bbcamerica.com/anglophenia/2014/02/why-americans-dont-understand-the-roundabout

>>56296228
There are and they suck shit despite what you idiots think.

>>56296264
>British shit
Oh my fucking god, you people need to all die.

>>56296232
>You realize this depends on the ATM, right?
99% of ATMs that use chip do this.

I've used ATMs all over the world, and only the ones that read magnetic strips rather than the chip deviate from this behaviour:

1) insert card
2) type PIN
3) select amount
4) "wait for authorization"
5) "please remove card"
6) "please take money"
7) "do you want a receipt, yes/no?"

In the EU there's even a regulation demanding that ATMs follow these steps IIRC.

>>56293206
>I can't remember the last time I was in a store, ANY store, that had more than two checkout counters open
Then stop living in Pakistan or buying everything and the hipster organic homegrown store where a tomato costs 13$.

>>56296284
literally a bunch of inbreds lol

>>56296284
I'm not British.

Roundabouts are more efficient than your FULL STOP intersections.

Also, why the fuck are you allowed to turn left on highways with 65 mph speed limits? Why the fuck are huge semi-trailers allowed to suddenly slam the brakes and then turn left, directly into oncoming traffic??

fucking brits and their roundabout culture. i almost get seasick from the amount of roundabouts there

>>56296304
>99% of ATMs that use chip do this.
Well thats just wrong, cant say I have ever seen an atm that would not dispense money to you, then ask if you want to do anything else, then it ejects the card.

>>56296002
t. never set foot in or around western europe

>>56296331
Considering how most ATMs in the US do NOT use the chip, but the read magnetic strip, I don't see how your experience is very relevant.

>>56290651
>keep other cards with a chip in front of it
>have the bank card closest to your leg
And suddenly you can use a good wallet again.

File: magic-roundaboutd.jpg (103KB, 600x450px) Image search: [Google]

103KB, 600x450px

>>56296228

When I moved away from Phoenix, AZ, they had just put in two test roundabouts. The were on either end of a freeway overpass on the North end of town.

When I went back to visit friends around nine months later, they were already gone. Asked friends about it and they said they had a ton of accidents.

You'll find a lot more roundabouts on the East coast, but nothing like the "Magic Roundabout" or even a roundabout on a major one-way, multi-lane thoroughfare.

There's a roundabout in San Francisco that has stop signs at every entrance. Despite this, people *still* act like it's a four-way stop and pull out in front of traffic that's already in the roundabout.

https://www.google.com/maps/place/Starbucks/@37.7698432,-122.4043216,19z/data=!4m5!3m4!1s0x808f7e2ce4a2ccbd:0x6e92ed017646be2f!8m2!3d37.7702556!4d-122.4034343!6m1!1e1

>>56296318
>$13
>$

oh, so you can pay for your tomatoes in toilet paper now?

cool

who needs chip and pin?

>>56296358
That roundabout is just civil engineering porn.

I can totally understand why it is confusing, though.

>>56296329
>Roundabouts are more efficient than your FULL STOP intersections.
No, they aren't.
>Also, why the fuck are you allowed to turn left on highways with 65 mph speed limits?
Said who? Most highways are divided except at intersections where you usually are explicitly disallowed to turn left except when you have a protected left.
>Why the fuck are huge semi-trailers allowed to suddenly slam the brakes and then turn left, directly into oncoming traffic??
There's no response to this because it's a figment of your imagination. What is it that concerns you so much about another country you've never driven in and definitely don't live in?

>>56296358
I'll admit that's a really fucking weird roundabout, but not being able to follow simple road indications is quite worrying.

>>56296358
That image isn't too hairy,

annoying, but not crazy just 'yield' (as the ameritards say) to the guy on the right and you're done.

Literally one rule to remember.

One.

>>56296358
So that's the reason roundabouts are a good idea in Europe, they have 5+ streets intersecting.

>>56296390
>>56296397

>implying that I said anything about the difficulty of said roundabout

I was merely giving you asshats some idea of what sort of roundabout you will or won't see in the US.

>>56296406
Sometimes even 6 or 7.

>no need for traffic lights
>no fuckups in the event of a power failure
>everyone is thinking about what they're doing

works bretty gud

>>56296427
>implying I even read your shitty post

I commented on your image you humongous faggot.

kys.

>>56296329
>Also, why the fuck are you allowed to turn left on highways with 65 mph speed limits?

Where is that the case? I've never seen a standard road (i.e. not a divided freeway with exits) with a speed limit over 55mph. As for the places where one can turn left off a 55mph road, they're rural and generally low-density. It's not a problem.

> Why the fuck are huge semi-trailers allowed to suddenly slam the brakes and then turn left, directly into oncoming traffic??

Uh. They aren't?

>>56296358
I am european but wtf is that???

>>56295648
>drive/walk to the grocery store to buy food rather than ordering it online and have it delivered to their door, thus companies have to pay wages for workers, rent for the physical stores etc
already tried ordering some chink shit food?

File: road.jpg (119KB, 1274x786px) Image search: [Google]

119KB, 1274x786px

>>56296382
>No, they aren't.
Yes, they are.

>Said who?
>There's no response to this because it's a figment of your imagination.
I saw it everywhere in California.

Pic related, it is a 65 mph road, and you're still allowed to cross not one but fucking TWO lanes of oncoming traffic

>>56296453

Oh look, Reddit's here.