Payment methods discussion thread Which one do you use the most often?

>>58806911
My Amex. There's literally only one place I've been to it's not accepted and I get great rewards for it.

But you can also link it to contactless payment systems on your phone, so it's a moot point and you're a retard.

>>58806942
Try leaving the USA from time to time.

>>58806911
Paypal for online payments. Debit card for everything else.

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>>58806911
in germany we use ec cards.
we have basicly 0(.1) fraud with this cards.
They use a chip the magnet stripe is just a backup if u do a vacation in Bulgaria.
Works fine and fast. U use a pin or sometimes ur signature.
online we use normal online banking.
most germans don't own a credit crad only those who often leave the country.

i like cash tho. my bank doesen't need to know where i spent my money..

>samsung pay at the bottom

Lmao its literally the most useful one

>>58807007
No point using it while we already have Android Pay.

>>58806911
nice try banksters, cash obv is the best
https://www.youtube.com/watch?v=6ZCVQHtD2l4

>>58807020
Samsung pay is accepted at more places and has better security

There's no point using it if your phone isn't samsung, true. Because it won't work

>>58806911

I'm only paying in cash i don't care.

>>58806911
Good amount of satire in this image, subtle but I got it. Eagle-eyed as ever, I am; you won't find much slip past me haha. Have a dogecoin for your efforts good sir!

>using money you don't have is god tier
>using money you have is alright tier

>>58807067
This. Work at cheap ass retail and it works on card machines without a chip reader.

In europe everyone moved to chip and pin years ago, and in most major cities everywhere takes contactless now. America is so weird with this needlessly slow adoptuon of ten year old tech while everyone already moved past it. I haven't swiped and signed in years - well except when i went to india on holiday. Thats the tech level you guys are at right now.

>not using Amex
LOL poorfags :^)

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>>58806991

Apologies for this german nazi faggot, we don't usually imitate 14 yo kids writing like u and ur.

>>58806911
this chart is pants on head
can't tell if OP is trolling or it's what Americans actually do when they are not sitting on their roofs wearing red plastic cups

Tap + Chip & Pin + Swipe
Interact

>>58807129
If you pay it off on time and don't spend more than what you actually have in your current account, then there is literally no reason to use debit cards.
Credit gives you discounts, cashbacks, protection, and are much cheaper to use abroad compared to debit cards.

>>58807199
>If you can pay it off on time and don't spend more than what you actually have in your current account, then there is literally no reason to not just use cash/debit

Fix't

>>58807129
For the last half of a decade I've been living in a 3rd world shithole where cash is still king (and banks make you pay large quarterly "activation fees" on any kind of card so I don't bother with them), but back in States my parents used a debit card for the same reason. And it's dumb.

Here's why;
>Your card gets stolen or skimmed and all the sudden there's 5 thousand dollars you can't remember spending on your statement. If it's a credit card, the bank's money is what got spent; they will move heaven and Earth trying to find the fucker that did it and get their money back. You don't lose a dime. Debit card? Your money, and not a security problem on their end so the bank isn't giving you back shit.
>You can get gas, air miles or straight cashback by using your credit card. That's never a thing with debit. If you've got a modicum of self control you just don't spend more than what's on your account, and you automatically pay in full every month. Bank can't legally charge any interest. You still get the rewards.
>Just having a credit card around for unexpected emergencies. Why the fuck not, it's free and you have absolutely nothing to lose.
>Building credit rating is bretty nice and gets you all sorts of perks down the line in a ton of important shit.

>>58807386
>Buy holiday with debit card
>Company goes bust
>You lose your money

>Buy holiday with credit card
>Company goes bust
>You make a claim and get your money back
Using credit card is literally a free insurance in most cases.

>>58806991
EC Karte ist schon praktisch

>>58806911
Seems like mastercard has become the thing where I live. I even got a new bank and no Visa just mastercard.

I use tap on my annual fee-less CC about 90% of the time, the other 10% I need to chip + pin.

Earned $410 of cashback using my CC last year.

>>58807199
>Credit gives you discounts, cashbacks, protection
Of course credit card companies just give you free gifts without making a profit because they're so nice

>>58806991
I've never seen magnet stripes in BG
Its always been chips
And I was surprised to see a ted talk on YouTube about Americans getting "secure" credit cards with chips few yrs ago
Are you a mehmed

>>58807419
Last time I checked, here in Northern Ireland literally all banks/building societes do only Visa Debit and MasterCard Credit.
I think only 1 bank does it other way around.

>>58807386
There's lots of benefits, credit score increases and savings from using creditcards.

I don't even have to pay my creditcard because every 30 days it automatically withdraws the full balance to pay it from my savings account, and each month whatever cashback I earn gets dumped into the same savings account. When you have it setup like this the grace period is extended to 30 days and there is never interest.

Ontop of the cashback, during those 30 days the money is still in my savings account getting 3.25% interest. I usually spend about $2000 per month on my CC and that means there is $2000 in my bank account getting 3.25% interest each month that otherwise wouldn't be there if I was using debit.

>>58807435
That's what I was thinking as well until one day I actually done some research into credit cards. You don't spend a penny more, but you get benefits because retailer is getting charged more while you pay with credit, and therefore bank makes more money.

>>58807067
And you need a Samsung device, which anyone who buys Samsung needs to be hung and their balls cut out.

At least with Android Pay you can use ANY Android device that has NFC support, which is literally any Android device.

And I'm pretty sure Android Pay is even more widely accepted than Botnet Pay.

>>58806911
Why is samsung pay shit tier?

As long as you own a samsung phone you'd be retarded to use anything else.

Samsung pay works on ANY credit card reader, regardless if it's contactless or not.


The only readers it wont work on are the insert type scanners at gas stations and ATMs.

>>58806948
Why would I?

>>58807507
see >>58807500

>>58807545
...okay?
>As long as you own a samsung phone you'd be retarded to use anything else.

>>58807020
Samsung pay uses MST and NFC. Android pay only uses NFC

how is it better?

>>58806911
i use master card master race with chip because my bank is stuck in 2000s

>>58807418
Ich will deine Mutter ficken

I pay everything I can in cash because the privacy features are unbeatable.

>>58806911
I use debit card IRL and prepaid cards online

Debit instead of credit because nobody uses credit in my country anyway

And the prepaid because banks are FUCKING RETARDED here and I don't trust my money on the internet 24/7
Also you get taxed according to your savings and how much you spend

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>>58806911
>Discover
>Hipster card that noone accepts.

>>58807392
>>58807409
You guys have valid points, but I do hope you're aware that most banks nowadays have fraud protection on debit cards(as long as you report that shit asap) Plus any fucker with an ounce of techy in em should know how to enable text alerts when your card is used.

>>58807560
>Samsung pay uses MST and NFC.
Fucking this

It sucks it's a samsung exclusive, but you're ignoring facts if you think apple pay or android pay are somehow better.
Samsung pay is the most advanced phone payment system currently.

>>58806911
what's wrong with prepaid card?
are you a good goy?

cash, because I don't want there to be a list of every single thing ive ever bought in my life...

>>58807805
oh no, 'THEY' will know.
I actually want to have a list of every thing I have ever bought. And if there is something I don't want to be seen, then I can hit ATM and use cash.

>>58807157
chip and pin is shit. yuros are retarded, swiping takes less than a second whereas i have to keep my chip card in the reader for 30 fucking seconds

>>58807888
most places you don't actually use the chip reader you know

you hover the car over the machine for 1 second and put it back in your wallet, it's faster than a swipe and signature.

>>58807888
Swiping may be quicker, but the downside is that they store your damn card info in plain text on the magnetic strip. That is why America is trying to get people over to the chip. Unforgettably people are fucking stupid.

>>58807888
>chip and pin is shit. yuros are retarded, swiping takes less than a second whereas i have to keep my chip card in the reader for 30 fucking seconds
What the fuck are you talking about
>Contactless: less than a second from the time you touch
>Chip + pin: authorised immediately as soon as you enter last digit of your pin.
>Swipe: No fucking idea. I am 25 so never had a chance to use it.

>>58807888
>30 fucking seconds

We've had chip and pin for a damn decade up here in Canada and the terminals are never more than a few seconds

>be in UK
>Have Amex
>it's accepted almost everywhere these days; the only place I regularly go that it isn't is Aldi.

>>58807951
How did you get Amex in here? And Why? And in what city is it being accepted?
Here is Belfast it's only contactless visa, mastercard, android pay and apple pay.

>>58807967
Costco do an amex card. It's useful because I get all my fuel there. I got it because I wanted to build my credit score and have it for protection on large purchases. Liverpool.

>>58807913
I can't hover my card. I have to insert the chip into a slot, type my pin, and wait for it to work before I can remove the card.

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Anyone else use cash so you get to touch qt cashiers hand?

I use credit cards most often for the conscience and security. I also like to carry a very slim wallet. However, cash is still king I think. It just feels better, six corporations the, the government and my mother don't know what when and where I bought something and then try to profit off that information. Taxes, selling my data, getting me to sign up for programs and sending me more fucking emails.

Visa is GOAT, works great over seas as well.

>>58806911
No JBC or Diner's Club?

>>58807998
I had the option of requesting a new card with contact less payment about a year ago. They didn't do it automatically, check online anon, the hover is the best way imo, pins take too long.

>>58808013
MasterCard and Visa are accepted literally everywhere around the world. For usage abroad, I found that MasterCard usually has better exchange rates, but the difference is marginal.

>>58807998
Murrica is behind. Hop on one of these smartphone apps to live more like a cultured European

>>58808049
I recently went to Norway, Greece and Belgium the exchange rate fee was better than what my bank would give me back home before I left. I do have a travel oriented card.

As an aside, it was less expensive to feast at seafood restaurants on islands where the fish were caught the same morning than it was to boil pasta and sausages in a tent on a mountain in Norway.
Greece as a country is a huge clusterfuck of lazy, greedy, mindlessly shouting and pointing degenerates. Would recommend.

>>58808124
I still prefer cards over the apps.

Why chip + pin takes over 30s in the USA to authorise?
Are you sending a 2nd class letter to your bank with a request to authorise it each time?

>>58806911

>using credit

Americunts kek, enjoy your debt.

>>58808373
I think I am the only adult European in this thread that actually understands benefits of credit cards over debit.

>>58808349
It's more like 7 seconds, that guy is just memeing

>>58808388

Why would you ever use credit? Maybe travelling, but even when I travel I rarely ever needed to use credit.

>>58808415
see
>>58807472
>>58807409
>>58807392
tl;dr: travelling, cash rewards, insurance, better protection, and while it all adds up you basically end up saving money.
Of course, if you don't pay it off on time, it will cost you more.

>>58806942
A lot of bars don't accept Amex. Nor do porn sites.

Don't use any plastic. They all track you with it.

Use cash.

But the best thing about Amex is the service and rewards.

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>>58806911
Cash is the only acceptable option. Anyone who is carrying less than 500$ is a fucking deadbeat loser.

I have never understood paypal in the store, so you go to the store and type in your username in password then press accept? You might as well just write a fucking check at that point.

>>58806911
>credit cards
>better than debit
spending money we don't have and yadda yadda, you know the quote.

>>58808713
Benefits of credit over debit cards have already been explained multiple times in this thread. Take 5 minutes to read it.

>>58806911
>Debit cars

Are you retarded?

>>58808579
have fun getting mugged
I'll go out of my way to pay for things with cash, but srsly, if you're not planning on any bigger purchase today, 2x daily groceries budget is okay imo

>>58808579
will I be a badass cop who saves the day while everyone else stands around with their thumbs up their asses?

>>58808713
You do know you can pay it off right away right? The advantage of credit cards is that you can dispute things on your statement. You'll just get fucked if someone steals your debit card info, with a credit card you can just dispute it.

>>58808579
>using cash when not buying drugs or at some outdoor carnival of some sort

Pleb central

>>58808760
>The advantage of credit cards is that you can dispute things on your statement.
You can't dispute stuff on your debit card statement? What kind of 3rd world shithole do you live in?

>>58808760
Doesn't change the fact most people create mountains of debt for themselves using credit cards

>>58806911
>Samsung Pay that low
That's just fucking wrong. Shit works with magstripe and NFC meaning you can use it basically anywhere. Not to mention they've had a ton of promotions for free gift cards. How could anyone say Apple or Android Pay are better in any way?

>>58806942
This guy knows what he's talking about

>>58806911
this guy doesn't

My American Express Blue card

works with Applepay,

gives me great reward points I can use in Amazon to buy shit,

has fraud protection so if someone steals it/hacks me they will cover any unauthorized purchases

has no annual fee of course (I wouldn't even bother with any card that did)

It even has freaking extended warranties which I've already taken advantage of

>buy a blu-ray player at Best Buy
>13 months later blu ray player fucking dies, freezes during playback
>allmyrage.jpg
>file a claim through website
>send blu ray player off
>get a credit for the price of blu ray player on my card

Fuck any other card, this is where it's at.

The only problem is there's a couple of places where they don't take Amex, think small town sandwich shoppes etc.

Nearly anything I could want ever want cheaper on the internet, except food.
Basically, I only use cash to buy groceries now.

Also, what do you do with your spare change?
I don't want to give 12% to coinstar but I also don't want to be that guy who pays entirely in coins.

>>58807530
Its eye opening to see non-nigger populated areas.

>>58807609
Can they trace the serial number to build proflies of how the cash has been used?

>>58808853
Put into jar and pay into bank once it's full. I just saved £600 like this last year.

>>58807067
Doesn't mean shit when Knox is as porous as Swiss cheese

>>58808877
don't you have to roll it or something?

>>58808893
not here in the US

I give them a bag of coins they give me dollars, sometimes i just deposit it into my account

>>58808853
You can exchange your change for gift cards with no 12% fee at some Coinstar machines. I get Amazon cards occasionally. You just have to go on their site and see what locations offer which gift cards.

>>58808893
In the UK, you just go to bank first, ask for 'money bags', you sort your coins into these and bring it back to bank. You will pay full amount into your current account with no extra fees.

>>58808853
I wanted to ask what's so bad about paying in coins and then I remembered in US they go only to 0.50.
(Largest coin is 5.0 here, first bill is 10.0)

>>58808795

>Credit card: it's a bank's money and they'll stop at nothing to get it back

>Debit card: it's your money so they'll work on getting your money back when they get around to it

>>58806911
Discover and Amex do not belong together, and neither is hipster.

Amex:
> I need an exclusive credit card to remind me I'm a rich faggot

Discover:
> I ruined my credit score on all my other cards because I'm a dumb nigger

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Why does anyone use android/apple/samsung pay? It just means they get to collect more data on you and it isn't any easier or faster than tap to pay and isn't really any better than just manually entering your pin.

If it meant getting discounts/ cashback/ offers etc then I'd use it sure but you don't

I use tap to pay when I can as I get 5% cash back on it.

>>58808933
that reminds me of the time I was broke as fuck in the UK and paid something like £5.40 with 2p coins only
I used self checkout so the clerks wouldn't murder me while counting the coins

>>58808942
There aren't any (contemporary) 50 cent coins, and dollar coins are somewhat common. Vast majority is still 1 5 10 25 cent coins.

>>58808963
>Credit card: it's money the bank lent you so give it back, fucker, should be more careful with the card

>>58808942
dollar coins exist but they're so rare and almost no machines accept them so they end up in the coin jar like every other coin and never go back in circulation

>>58809008
I have disputed charges on credit cards from several companies, they were always quickly resolved.

>>58809031
And I've disputed charges on debit card and had no issues, either. Report the card as lost/stolen, within a week max everything's solved.
Though I'm not from the US, so I guess banks operate a bit differently here; credit cards are still seen as "premium" by most folks. I'd be surprised if more than 4% of the folks got 'em.

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>>58806911
Cash is absolutely god tier.

With cash, there's no need to worry about identity theft / IT security breach / etc.

Everything else requires trusting the competence and/or honesty of various employees who make $10/hr. No thanks.

Using cash doesn't mean you're a drug dealer. It means you're taking appropriate precautions.

Using cash is kind of like making sure you look around and are aware of your surroundings whenever you use an ATM machine -- it's just common sense -- it doesn't mean you're shifty and have something to hide, despite what some idiot might think based only on your superficial appearance.

>>58809008
Actually probably the only benefit of credit cards is that, at least in the UK, your credit card company is jointly liable so if you receive a defective product or service most companies simply give up and let you chargeback rather than face the prospect of legal action by a credit card company.

>>58808820
>they don't take Amex, think small town sandwich shoppes etc

AMEX is working hard to fix that with the Shop Small promotion they do regularly.

I'm literally the only person paying cash anymore.
If it's a big family paying for groceries, and the mom's card wont work, they'll just go through all their (adult) kids' credit cards until one of them works.
All so they won't have to carry $70 in cash.

>>58806911
CASH
A
S
H

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>>58808877

I've found a better way dude. You ever go to self checkout when doing some shopping? Select pay by cash and throw in all your loose change then it gives you the option to pay the remainder using another payment option where you can just pay of the rest using a card etc.

This way you don't have to hoard a bunch of change and take it to the bank etc.

>>58809126
How can a card not work? Last time there was a card system failure in my city, bank paid me compensation. Only £20, but always free money.

>>58808505

>porn sites
>use cash

Dafuq?

>>58809141
What's the limit on change transactions?

>>58808966

Dat ass is pretty god-tier.

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>>58806911
>(((illegal work)))

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>>58808858
Yeah okay

I genuinely avoid using cash as much as possible. If I pay with credit card and something goes wrong, I know I can at least try to claim my money back. With cash or debit card, it's all up to the good will of retailer.
When the new £5 note got introduced, I only got to see it 2 months later.

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>>58808747
>>58808757
>>58808780
I can afford not living in the ghetto. I'm no greedy fuck as well that has every penny planned on groceries and toothpaste. Whenever I pay I don't brag about having cash either, most people around me wouldn't even notice how much I carry with me because they can't even peek a look at it. However, whenever I see a nodejs developer look a like playing on his phone while paying I stop seeing him as an adult who can handle money well. Money is cash. First steps dealing with money issues like a pro is handling cash on a daily basis. I'd accept credit cards when abroad because most people are shit with money and more shit dealing with foreign money.

>>58809160
I don't think I've ever seen a limit on change transactions. And I've done some using 300+ coins.

>>58807435
They make insane money off of retards who pay interest on their balance. If you never leave an outstanding balance, you literally do get free gifts from them. Stop being a fucking retard

>>58809197
shit nigga, I didn't get mugged ever in my life, but with the fucking chavs looking for problems, I still don't like having larger 'mounts of cash on meself

>>58809147
Use cash for most things.

Bars and Porn sites usually don't take Amex.

Especially at bars, so you they can't take advantage of you being drunk and charge you for shit you didn't order.

Plus with plastic, holds can take a long time to clear and it's always a guessing game as to how much money you actually have at any specific time.

With cash, you pay and you're done.

Fuck actual credit cards. Only borrow money for a house, a car, and MAYBE college.

No point of financing a $1000 TV over 12 months. Just fucking save up.

>>58809160

Never reached a limit although I've never put more than £10 in change through a self checkout because I prefer to just use up my change as I get it.

>>58806911
Paypal is really good now for payments if you don't have a credit card, it fronts you the money up to X amount so no waiting to fund your PP account or anything anymore.

Carl Icahn when he forced Ebay to split PP into it's own company totally changed it from being a pile of shit into finally a decent payment processor.

>>58809232
Than take less. Anyway how likely is it to get killed when you hand, say for example, 300$ in cash over. He will probably leave your cards and licenses alone saving you more hassle later on.

>>58809274
Yeah, I'm actually using PP more and more, although I have their Debit Card too.

So if I don't have enough money in my PP account, it just automatically takes it out of my linked Checking Account.

I'm just sick of all the fucking tracking going on with anything other than cash.

>>58809299
This is one of the goals of Gnu Taler, a digital currency that allows you to anonymously buy things yet still report transaction amounts to banks in order to satisfy laws. In this way you can buy online anonymously for large items, whereas bitcoin you can't they want piles of identity to go along with your buy (unless illegal merchant) whereas this way you can anonymously buy, the merchant and bank will have no record of what you bought just what the amount is for taxation purposes.

Pretty good system

>>58809234

I would've earned £51.16 over 12 months buying a £1000 item thanks to credit cards and high interest current accounts (when they were mostly 5%).

>>58809407
AZNs do this here, your typical Chineezes will use credit cards for absolutely everything including a starbucks coffee but they make sure to pay off the entire bill early to avoid giving Visa interest fees. They also boost their credit scores doing this

Downside of course is Visa sells your personal buying habits and other data to everybody on earth

>>58806911
>credit
>top tier
Enjoy getting your wallet scanned away by interest payments

>any use of credit cards
>top tier
Only in 'Murrica

>>58809470
read this thread again you ignorant fuck
>>58809482
In Europe too.

>>58809427

meh its a price worth paying in my book. I don't know what they expect to get out of buying data on me. I've never bought something through an advert so targeting me that way is useless.

>>58809191
What can go wrong?

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>>58806911
>Contactless credit card
There should be a "stuck in the 00s" tier for you plebs

Samsung Pay is literally the same as a debit card

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>>58806911
>>58806942
>>58807888
>>58808388
>>58808483
>>58808820

All of you ameriniggering in this thread so hard it hurts. I'm literally laughing while I'm typing up a proper ranking:

> God tier "what you should use / the EU system"

- Debit card with NFC "touch" pay; direct and easy cost control, no debt, easily reversable transactions in case of theft or error, free cash withdrawal and minimal cash withdrawal fees abroad; occasional PIN input
- NFC sticker pay; exact same concept, but you don't even need the card and you can stick the NFC tag on your fucking forehead if you wish to do so
- QR code wire transfer through phone

> OK tier "what you can use"

- Cash
- Debit card with chip & pin
- just normal, free, next-day wire transfer

> Exotic payment method tier "the freakshow"

- Bitcoin
- Any form of AppleGoogleWalletpay shit

> Useless retard shitstain fucknigger tier "you live in payment hell / the US system"

- Cheques, do you even spell it like that?
- WesternUnion
- Any credit card, and masturbating about how much useless fairy tale invento-points and rebate-o-percents you are granted per fortnight by your cc company overlords who brainwashed your people into accepting a total shit financial dumperst fire of a payment system with no proper transfers between banks and 100% useless middlemen leeching off of your dumb underclass too stupid to pay off their bills

> Bonus special round transgod tier "the Japan system"

- FeliCa and Suica/Pasmo, touch payments in Japan. picture related.

>>58809585
>third world yuropoors don't have credit cards with autopay

>>58807102
/thread

>>58806911

Too lazy to make the meme, so you'll just have to imagine it:

>GOD TIER
>picture of cash

>BOTNET TIER
>everything else

>picture of Richard Stallman watermarked as the background

>>58809606
as if automatic wire transfer wouldn't be the exact same shit, just without a third useless party taking part in the whole process. accept it, credit cards are about as useful as hemorrhoids

>>58808966
Actually with Samsung Pay you do get discounts and promotional items. I've gotten quite a few gift card for free and then 20% many other gift cards.

>>58809702
>I enjoy throwing away my money

>>58809572
yeah OP is a retard

So what is the advantage of NFC/contactless over chipped credit cards? I always have my wallet on me anyway, and I don't care about the <7 seconds it takes for a chip to process.

>>58809716
well in that case, feel free to keep using cc
you misplaced that > though

>>58809748
Using debit is throwing away money you idiot.

>>58809735
For transactions under £30, you just hover your card over the reader for a second and that's it. No pin or signature required.
It's just convenient.

I doubt anyone in this thread is wealthy enough to use plastic as much as you do. Chances are you should be using cash for 90% or more of your purchases.

>>58809735
It's not about taking out your card and waving it above the reader like an imbecile, with contactless, you just take your whole wallet and whack it on the reader and you're good to go. No taking-out-of-wallet, no nestling-around-with-card-compartments, just wham, done.

>>58809711
>gift cards
Tits or GTFO

>>58807199
You're docile goy cattle.
See >>58807435

>>58809767
You really enjoy throwing away your money don't you?

>>58809735
My card has both. If I use the contactless I don't have to enter the pin code (up to a certain amount). If I use the chip I have to enter the pin.

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>>58807595

>>58809761

>£30

Why does that matter? Also please acknowledge our exorbitant privilege.

I'd also be afraid of losing my phone, even though it's protected by fingerprint+PIN.

I guess if either my phone or CC got lost/stolen at that point, I'm still covered in terms of protection and would know almost right away. Sounds like NFC is really only for convenience, then.

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>All these people in this thread claiming debit cards are better than credit
Why do you enjoy throwing your money away so much? You guys don't seem to understand that if you pay it off at the end of each month in full, it literally costs you nothing. With rewards and discounts, you actually earn money.
Fuck me I'm from Europe, and I don't understand why my fellow europoors are so uneducated when it comes to finances.

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>>58809768
>wallet
Why don't you get an interface yourself pleb

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>>58809768

>take your whole wallet and whack it on the reader

Are you implying that I'd be stupid enough to have my phone encased like this?

>>58806911
>Credit cards better than debit cards

Bait detected

>>58807474
Jesus you can't be that innocent. Do you really believe the retailer get charged more, and they dont transfer this cost to you?

>>58809809
>Why does that matter?
So someone can't steal your card and buy a laptop with it.

Citibank Double Cash MC and Costco Rewards Visa

>4% back on gas
>3% back on restaurants+bars
>2% back on everything else in life

Best combo, folks. Now I just need to get a great travel card with no foreign transaction fee.

>>58809859
Name one major retailer that does this. Not some shady restaurant in your neighborhood that is hires illegals.

>>58809861

But I have that kind of limit protection with my CC anyway.

>>58809752

So dense.... let me spell it out for you:

Your fucking cc company WANTS you to obsess about the measly 5 dollars you get as a "cash-back" or "payment rebate point jizz" or whatever fuck they call it. It might shock you, but they don't do that out of the kindness of their hart, but because they try luring in people they can later on squeeze dry through late payment fees and whatnot.

It's nothing but a huge money redistributing scheme, with 5% of all the revenue being genereated going to, upstanding, well-behaved money-grabbing little cashback whores like yourself, and 95% going to the cc company corporate overlords, with zero benefit for society.

If you end up being on the receiving end of your little cc bitch payments, I'm so happy for you, keep doing what you do. But don't in any sane state of mind keep pretending to met that that clusterfuck is a good payment system.

>>58809859
Yes.
Let's say an item costs £20.
I pay cash, shop gets £20
I pay debit card, shop gets £20 - 0.2%
I pay credit card, shop gets £20 - 0.3%

No matter how I pay, I will always have to pay £20. The only difference is how much the shop will actually receive.

>>58809888
Better than getting 0% of the revenue with anything else you fucking retard.

>>58809888
So your only argument against credit card is that you cannot remember to pay it off each month to avoid fees?
I have been using credit cards for years, never paid a penny of fees, and I get about £5 of cashback each month, + discounts in various shops.
People that bitch about credit cards are usually just too lazy to research, or stupid to actually understand how to take advantage of it.

Building a good credit score is very important. In the US it is paramount unless you're a NEET shit poster. Car insurance payment, car loan rate, mortgage rate, which properties you are able to rent, hell some jobs even check your credit score.

Building a good credit score with easy to pay off credit cards when you're young will save you thousands and thousands of dollars as you get older.

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Apple/Android Pay, debit card (VISA or MasterCard) and cash. Those 3 are the best and all you need.

Credit cards are for poor goyim or Americans with zero consumer protection by law who want to be tossed pointless perks for being good goys. Apple/Android Pay is great, and cash is sometimes useful if you go to bars and clubs. Try paying an entry fee with your debit card to the person at the door. Cash is also good just to keep somewhere in small emergency amounts (especially polymer cash which is very durable) and is also good for buying things anonymously should you want to, not necessarily drugs.

>>58809962
Same here in the UK, maybe except for the job bit.

>>58809818
>>58809787
>>58809859
>>58809896

All you "you're throwing away money" shills parroting it like the cc ad that's speaking through you, read >>58809888

Another reason for the debate seems to be that, over here, credit cards DO NOT earn you ANY form of bonus points. So you only get them for online pay and maybe travel insurance, and if you're lucky, I mean really really lucky, you don't pay a yearly fee. But in 99% of cases in Europe, YOU end up paying for the card, with zero or next to zero benefit.

But that's not the point. The point I've been trying to make is, even somewhere where you get points, you people are so horny for your fucking 1% cashback on your 3.50 greasy burger, that you never stop to think on WHY the fuck such a ridiculous system even exists, and who ends up paying for it in the end.

But yeah, like I said... enjoy your 5 dollar cashback and feel happy, like the cattle you are.

Credit card companies charge a transaction fee whenever their network is used at stores. For MasterCard it's something along the lines of 0.10c + 1.9% of the transaction. So stores all pass on that fee to the consumer and make things 2% more expensive. If you're using a credit card, you're getting at least 1% cashback (2% if you've got a doublecash, fidelity rewards, or blispay. And 3-6% if you've got a category card) If you're using cash or debit, you're eating that extra 2% and subsidizing the rewards for credit card users.

As long as you're responsible enough to use a credit card like a charge card, the only thing cash is good for is birthday cards.

>>58810006
I get 2% statement credit on every purchase I make. It must be awful to be a yuropoor.

>>58809896
He is not taking the 0,3, he is repassing this cost to you.

His profit margins are the same, and if he wishes to preserve them in case of change of other factors such as change in fee policy, the burden of cost will be transferred to you.

An increase in 0,05 will be passed on the product price.

Americans loved to jewed so much that they dont realize that all of the (((benefits))) of credit cards are being payed by themselves, in the for of fees that get passed on the fucking product cost.

I'll say that again: the (((perks))) of credit cards are paid by yourself.

At the end of the day, you are better off paying with debt (which has by law equivalence to cash) and negotiating better deals, since the retailer has been relieved of the burden.

>>58810019
>At the end of the day, you are better off paying with debt (which has by law equivalence to cash) and negotiating better deals, since the retailer has been relieved of the burden.
Name one major retailer that offers different prices for cash vs credit.

>>58810003
>>58809962
treating payment systems like a RPG to level up, who's the NEET now. it might surprise you, over here we don't HAVE a credit score; unless you're in debt, then you get put on the debitor's register, but that happens rarely, and only to people who get all excited about credit cards, I guess. for anyobdy else, you just fucking pay with the fucking money in your bank account, and don't worry about levelling up your credit score. man makes me glad I don't live where you do.

Credit > cash > debit

>>58809962
>Building a good credit score is very important.
Good thing I'm not American and don't have to bother with this bullshit.

>>58810036
It's moot.

You're incredible naive if you think that these costs will NOT be put on to you.

>>58810016
nah I've actually never been happier than when reading this thread. the amount of stupid brainwashing you must've undergone... honestly, I really feel sorry for you.

>>58810041
How does a bank decide whether to loan you money for a mortgage without a credit score?

People seem to think credit """""rewards""""" are something special. They are not in any way. The reward money comes from the interest they overcharge you.

So, you got 500 frequent flier miles? If you didn't spend that money on interest, you could of just bought a fucking airline ticket instead.

So, you got a $50 rebate card? That is so tiny, and it takes a small fraction of how much they scam you to trick you into staying.

Creditfags will actually defend this. They think the $5 gift the corporation gave them is actually a gift, and not just made with your already stolen money. Fuck, if I ever go to political power, I am going to do everything I can to make credit illegal.

>>58808579

Will this coming week be fantastic for me?

>>58810019
you're preaching against a stone wall here. the corporate brainwashing has been too strong. the way they keep repeating "you're throwing away money" like it's out of some commercial... it's spooky. :/

>>58810083
They just loan to everyone, and the responsible people end up paying higher interest rates to subsidize Muhammed who uses the money to buy trucks to run people over and then never pays it back.

>>58810083
they look at your income and assets

>>58810087
What interest? I never paid a single cent of interest or any other fees in my entire life using credit cards.

>>58810019

Try flipping the finger to big corp (which sees you as human cattle) and buy from smaller business, mom and pop shops, and smaller online retailers.

>>58809888

well said

>these stupid fucking goyim

>>58810103
What's the average mortgage interest rate? I can only imagine measuring risk is harder without a credit score.

>>58810116
I'm sorry you are too dumb to avoid fees and interest payments.

>>58810127

>things are only bad if they personally affect me
>t. goyim

>>58810006
My 1% cashback is funded by the idiots that pay interest and fines each month.
Also pretty much all credit cards here in the UK don't charge you any annual or usage fees.
>>58810016
I get only 0.5%.
>>58810019
So if I pay cash, I will end up paying less?
>>58810087
>The reward money comes from the interest they overcharge you.
>you
Others, not me. I am not stupid enough to pay interest.

>>58810060
>>58810041

How do you buy a house? Land in any decent youpoor country is much more expensive than in 90% of America. You just save up €300,000?
I just bought a house, my credit score was good from having cards as a young adult, then getting a loan for $10k on a $40k car and paying it off quickly.

>>58810138
>How do you buy a house?
You get a loan.

>>58810135
Shouldn't you be saving poor children in Africa if you care about others so much?

>>58810104
How long have you been using credit? Companies will lock you in with the "2 years interest free" scam, then charge the fudge out of you.

I have a feeling most CC companies would go bankrupt if they didin't charge people interst on the cards. Simply put, they wouldn't make nearly as much money.

As he said, the reward money has to come to somehere.

>>58810161
10 years. There is no interest if you fucking pay the balance on time.

>>58810161
All cards are 56 days interest fee by law, at least in my country. If you pay it off within 56 days, you don't pay a penny of fees.
Why do people in europe find it so fucking hard to understand that >>58810177

>>58810006
European here. You are absolutely clueless.

You'll get cashback, airline bonus points (easily a free trip a year) , cheaper petrol, travel insurance and they also have regularly 20-30% discounts in the big electronic retailers here.

It's not that different than making sure you pay your bills.

>>58810137

>So if I pay cash, I will end up paying less?

That is the idea. After all, the middleman has been cut out of the equation.

You should argue with your retailer that. And try to get that passe onto you. He could've cashed that additional margin, but he will concede in a attempt to acquire a faithful costumer.

That of course has less f a change to work with big corp, and should work more effectively with smaller enterprises.

>>58810146
What is the rate where you live?
From googling a bit the home ownership in Germany is only 40%. Because the mortgage system is so retarded.
Stupid europoors ridiculing using credit cards while most of them throw away money renting houses for their whole lives.

>>58810209
Holy shit you are deluded. Why the fuck would I buy from a smaller enterprise when the big corps have things for much cheaper?

>>58810161
Not that guy but I've been using cards for 5 years and have not paid any interest, ever. I didn't have an interest free period on my first card. I just don't spend more money than I earn.

>>58810185
>>58810177
There might be dirrefent laws for you Eurofags, but here in Burgerland
>what are prepayment penalties

>>58810209
People who work in sales or retail think people that make that argument are legitimately retarded as the full cash processing process costs more.

>>58810240
Something you made up.

>>58810127

You never know when you'll end up in financial troubles and not be able to pay off your borrowed money. In a credit system you're all literally just playing hot potato. Even thinking you can make decent benefits off such a kike-epitome system is retarded. You should not even be supporting this system. In the UK, debit and credit receives the same consumer protection against fraud and other issues.

There is only downsides of using credit but, I guess you're just a poorfag who needs to 'build' credit to be able to buy more things he can't immediately afford or even save for.

You don't even know how much of a goy you are.

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>>58810240
...you get charged for paying before it's due?

BWAHAHAHAHAHAHAHAA

>>58810209

I should also add that of the ACTUAL benefits of credit and debit are being incorporated and improved drastically into crypto technologies and will hopefully one day replace these.

Jewish tricks will end soon, beat at their own game.

>>58810229
>>58810209
He has a point. Things like expensive car repairs, catering, paying trades men etc are usually done cheaper with cash. If you are mainly buying someone's labor, and its a smaller business they are usually willing to offer a discount if you pay cash.

>not using prepaid cards exclusively
I thought /g/ cared about privacy

>>58810221
>The average rate was 1.66% in September 2014, compared to 1.98% in March 2013, 2.16% in March 2012, and 2.38% in March 2011.
Apparently it's that.

>>58810252
Why would I borrow money using a credit card that I don't have?

>>58810271

>Why would I borrow money using a credit card that I don't have?

That's exactly the fucking point you dense cunt. WHY? Why would you do this? Why would you use a credit card when you already have money and an income?

>>58809962
That's a good point then since this system isn't globally valid.

>>58810292
Because I would not be throwing away 2-6% of every purchase I make.

>>58810246
Prove it.
>>>58810229
You have your mind focused on big retail, but there are other cases such as >>58810263
Also, there is no solid evidence that the prices of big retailers will always be better as they supposedly have (((ability to have beter margins due to volume))). In reality the cost is the same.

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>>58810240
>PRE PAYMENT PENALTIES

>>58810177
>>58810185

Because it's not ABOUT your own fucking payments and also not about your measly personal benefit; a fact you seem to have considerable difficulty getting into your individualistic lizard brain.

It's about the GENERAL cost of such a useless midleman in the system. Who, on a society scale, do you think pays for credit card company's profit? You might directly, through interest rate payments like some white trash; but you end up doing it in the long run, by having to come up for said white trash's health insurance, or by paying more on goods because retailers have to recoup their cc costs, or even just because there's more people who're poor so not as many people have money to contribute to fix your road. If you take money out of the system and give it to cc companies, it has to come from SOMEWHERE. and it comes from you. the 5 dollars are just there to keep you happy and not think about it too much.

>>58810270
2% is pretty good, I'm not an expert but the little research I did shows home ownership is quite low.

Why do you not want to buy a house?

>>58810065
>reading a contract is brainwashing

>>58810292
>Pay with credit
>immediately set your money aside to pay it off when time comes
>pay it off on time, no fees
>enjoy discounts and rewards
That's why

>>58806911
Cash - I don't like lines taking 3x as long

>>58810322
So I can either use a credit card and get my 5% back, or not use a credit card and get nothing back?

>>58810199
not where I live:

cashback - lolwhut?
airlone bonus miles - the next fucking scam! don't get me started on this
petrol - lol
travel insurance - granted, that's practical, and the only valid reason for owning a cc over here
discounts - lolwhut

and, as I said here >>58810322 it's not about paying the bills or having to pay interest. it's about supporting a leech of the system, leeching money off of everybody, in the end, also you.

>>58810240
What the fuck are you talking about? My car loan didn't even have pre payment penalties much less any credit card I've ever had.

>>58806991
>a vacation in Bulgaria
What did he mean by this?

>>58810337
>Why do you not want to buy a house?
We have a higher home ownership than US of A. But apparently that is not difficult.

https://en.wikipedia.org/wiki/List_of_countries_by_home_ownership_rate

>>58810353
yes, it sadly is, no debate about that. but, as I said here,
>>58809888
>>58810006
then don't pretend it's a good system

>>58810357
You are arguing like a god damn fool.

office depot drone here
You can pay with Paypal at the register, but I think you need to have ordered the debit card and put a PIN on it.

It's rather convenient and secure, you only have to put in your cell phone number and PIN.
Why's it in what the fuck are you doing tier?

>>58810314
You're right for physical goods, economy of scale win. However if you want your car painted, or custom cabinets made cash can still get you a true discount.

>>58810391
Why should I give a fuck about the system? I can't control what other people do with their money. I just don't want to throw away my own money.

>>58810365
going to shit tier countries that use manget trips

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>>58810357
>cashback - lolwhut?
cashback and discounts
Pic related is one of many I get. All I have to do is to pay with my cc. Very often I end up finding out I am getting a discount only after the fact. And since credit cards cost nothing if you pay them off on time, I only profit.

>>58810098
The responsible people here get lower interest rates.

Let's say you go to Jamal's car shop, and buy your all new 2017 Ford Fiesta on credit for $13.
000. Your credit card company gives Jamal the money for the car.

Now, it's time to pay back for the car you got. They charge you 4.9% for 36 months, making about $400 a month as a payment.

The total interest you pay will come to $1,005.38. That is one thousand dollars that a corporation stole from your wallet with interest.

If instead of buying that new car at that moment, you saved in money you actually have, you would have another thousand dollars. You could put that money to car upgrades at Tyrone's garage, or just reinvest it.

>>58810407
this whole thread is about payment systems, in case you haven't noticed. but I'm happy for you anon, I really am. and even more so that I am not you.

>>58810425
You can't buy cars with credit cards you fucking retarded yuropoor.

>>58810425
>buying a car with credit card
Are you 12?

>>58810436
It wasn''t supposed to be directed at credit cards, more about credit at all.

>>58810405
Please read my post again. I'm questioning the supposed economy of scale. To me it's largely a jewish trick.
I agree on the cash discount however. And I''m baffled that Americans never considered this, It seems quite obvious to me.

>Credit Card
>God Tier

YEEESSS GOYIM YESSSSS

>>58810425
You are talking about loan for a car. No one buys a car with a fucking credit card because that's not what it's for.
Anyway, the point still applies. If you buy a fucking £13k car on a credit card and pay it off on time, you will pay 0p of interest.

>>58810416

read this: >>58810322
and this: >>58810006
and maybe this: >>58809888

>>58808002
underrated post

>>58806911
when we are at it, how safe is giving credit card numbers online to pay for something? I do it very rarely, I have impression I'm giving a company credit card details which they can easily misuse

>>58810476
So I can either use a credit card and get 5% of the revenue or use a debit card to get 0%?

>>58807710
Unless it's free through your bank it's a ripoff with the fees.

>I share a technology oriented board with kids that don't know how interest works.
Terrifying.

>>58810513
you can call your CC company and tell them you want a new card and they'll invalidate it immediately and send you a new one with a new number in 3 days.

>>58810476
Proof?

>>58810476
So I should quit claiming cashbacks and go on a 1 man war against the world's finance system?
It's already here and it's only logical for me to take advantage of whatever is possible to claim at least a bit of my money back.

>>58810392
yeah man, I'm sick and tired of all this stupidity, and peole being proud of their cc benefits like it's their own fucking achievement or something, feeling like they're gaming the system

I could've just linked you
here: >>58810322
and here: >>58810006
and here: >>58809888

>>58810459
I'm american, the cash discount for labor thing is I common knowledge imo. Major grocery stores are less expensive than smaller boutique stores. Sometimes the smaller stores have better quality products, but products that are at both stores are more expensive there. However I think the price difference is more a convenience charge. The bigger stores are often built on the edge of town where land is cheaper, closer to major roads where the smaller stores are in the neighborhoods themselves.

Economy of scale might be a Jewish trick, but it is still somewhat based in fact.

>>58806991
Why does germany fuck with these. I work in a hostel and the amount of retarded germans who can't book their flight home because websites don't accept EC. But then their parents end up paying for it anyway because they have the oldest children on earth. Fuck germans

>>58810556
My credit card gives me at least 2% cashback on every transaction. From your 5% revenue statement, are you saying that the transaction fee Citi charges is 40%? Do you know how ridiculous that is?

>>58810456
Poorfag detected. I can buy a car with my Amex as long as it's under 40k. You don't pay the normal CC rate but get a more competitive rates that's in line with a car loan.

>>58810520
repeating myself, but sadly yes, there's no debating about that. but as I said here
>>58809888
>>58810006
then don't pretend it's a fucking good system, and don't feel like you're gaming it when you're being played

>>58810456
>>58810436
I can buy a car with my AMEX, it even has a special rate closer to what banks offer.

>>58810587
I fully understand your point, but let's be honest. Nothing can be done about it.
Now that we all pay for it, I will claim a little bit of it back while you get nothing.

>>58810568
I meant 5% of all of a credit card company's profit, which consists of late payment fees and stores paying the cc company. might be more or less than that, but rest assured that you (meaning, all cc users) are NOT getting back all the money the cc company is getting from you, that was my argument.

>>58810580
>poorfag
>buying a car under 40k
40k USD (?) would be a rather cheap car over here m8.

>>58810587
You think there aren't credit cards in yuropoor land?

>>58810614
I don't pay late payments or fees, I'll gladly be subsidized by other people retarded enough to pay them.

>>58810614
And if you payed with cash or debit you would be getting nothing back.

>>58810615
That's because you're tariffd and taxed to hell and back. 40k in the US gets you a nice brand new car, whereas in Europe that's probably a used Fiesta.

>>58810561
Well as an outsider I cannot argue for/against the american case. But in my country we still have major big corp grocers (including international ones such as wal mart).

In my experience, the economy of scale does not actually scale all that well, and usually the products with really good prices are usually first party proprietary brands (Value deal, etc.).

Third parties are mostly the same.

Price negotiation in grocery of course doesn't exist, but everywhere else, it does. I imagine it must be similar case for burguerfriends.

Question for Europeans

Here in America we have chains of stores in the ghetto that prey on stupid niggers. You can rent couches, tables, microwaves, televisions and hundred other things for absurd rates. We do it to keep the niggers poor.

Do you fags have that kind of thing?

>>58810657
Do you mean
>rent to own
?

>>58810609
yes, and you should. I guess what riled me up whas that, since we're discussing payment systems in here, people proclaimed all proud-like how credit cards are such a good system because they would save money; acting as if they found the holy grail of payment systems and with zero consideration on what kind of service a cc company actually provides on a society scale. I guess I just get upset about ignorant people. :)

oh and also, I'm really glad cc didn't spread as much over here, I hope they never do. and I hope people realize that and stop saying stuff like "so-and-so country's shops don't accept credit card payment YET", totally diregarding what a shit system it is.

>>58810645
I know man. (I'm a bit jelly 2bh)

What does a brand new BMW, Mercedes or Audi cost over there btw.?

>>58810615
Go check /o/ you can get a 2017 Focus ST with full leather and the options for like $35k and its a good car imo

I honestly can't tell if you guys are underage or man-children. Debit is fine, but with the perks of credit are clearly better with the bare minimum of fiscal responsibility

>>58810637
read this: >>58810322
and this: >>58810006
and maybe this: >>58809888

>>58810657
>renting appliances
wat

>>58810694
I do not care about other people. I don't care if Tyrone needs to pay $1000 interest for his 50 inch flat screen TV.

>>58810688
Just get a dodge charger at that price point or a used late model luxury car

>>58810644
read this, word-for-word what I wanted to say:
>>58810587

>>58810674
No, you just rent a TV and a couch to sit on while you eat hot pockets cooked in your rented microwave.
>>58810696
Even furniture. It's hilarious

>>58810685
40k will get you an intro level Mercedes or Audi like a C-class, or a completely maxed out full size Toyota, Nissan, Ford etc.

Honda, Nissan crossovers start in the low 20s. A new Accord is mid 20s and maxed out is mid to high 30s.

>>58810645
I just bought 1 year old Vauxhall insignia in automatic for £13k. I live in the UK. $40k seems like a massive overkill for a car.
I mean you can buy cheap car for few hundreds £ that will serve you well for years as well.
>>58810657
We do
http://www.bbc.co.uk/news/business-38132843
Another widespread scam here is phone + sim contract, where you end up paying double the price of the phone, and by the time you end up paying it's already worth shit.

>>58810714
then all discussion is moot.
believe me, in the end, it's YOUR money.

if you feel like you can, at least TRY to understand the argument I'm making here >>58810322, and think about it for a bit.

>>58810758
see
>>58810609
>>58810680

>>58810758
Sure. Just hand out money to every poor person, because if we don't, we will end up paying for them anyway. What a great idea.

>>58810749
With what features? That's probably the introductory level base model with the smallest engine, no? Also an Auto in Europe seems like an odd choice, which probably helped with the lower cost.

>>58810745
>No, you just rent a TV and a couch to sit on while you eat hot pockets cooked in your rented microwave.
That's pretty fucked up m8. Do they at least own it after renting for x months?

>>58810619
there are, but not many people use them, they're mostly used for online payment and the included travel insurance

I use cash for most things for privacy, and also because I don't want to support the cashback system like >>58810556

Since I live in the USA where having a good credit score is important, I do still use a card, but only for a few bills (internet, phone, and power - I would also do rent if my landlord took card) and when buying online since there's no other choice. Everything else is cash.

>>58810803
It's rent to own so yes, but you end up paying 5 to 10 times the value.

>>58810825
You are forced to support the system regardless.

>>58810714

You're the same king of docile goyim cattle that does not care about politics, economy of freedom of speech.

It will bite you the ass someday, rest assured of that. You can leave these things alone, but they will not leave you alone.

>>58810803
Nope! There are rent to own contracts as well.
I went into one once for the lulz, and I left depressed. The beaten down people renting an oven was nearly anti-capitalist propaganda made by best Korea, but they were dumb nigs, so whatever.

>>58810796
It's 2.0 TDI 160HP with onboard GPS, touchscreen computer, and lots of other fancy features. I know auto is not popular in europe, and this is my first auto.
Every other euro I know is bashing auto for no reason, and I don't think I will ever go back to manual. It's so comfy, and you can manually adjust gears if you really need to.
>which probably helped with the lower cost.
manual model was £1.5k cheaper

>>58810852
That's fucked up. People just doesn't care about bad financial choices.
Hence all the people itt championing cc's.

>>58810889
We are championing cc because we get benefits off it, for which people making bad financial decisions pay.

>>58807888
OH SAY CAN YOU SEE...

>>58810875
Diesel is nice, so not a bad deal. I would've figured the auto would be cheaper due to demand.

>>58810896
This point has been refuted many posts, by different people already.

Read the fucking thread.

The big money if interest goes mostly to the pockets of a select few.

Pro-tip: your pleb pocket is not included.

>>58810896
>>58810889
What the other guy was saying is that the costs of a credit system is passed onto all consumers regardless of whatever payment method they use. The credit card companies charge a fee to businesses and these businesses pass the fee onto the consumers.

Theoretically, what would happen if I tried to pay off a credit card bill with another credit card? Would I just have infinite money?

>>58806911
prepaid cards are god tier, no fees and no banks to deal with but still able to use paypal and anything else.

>>58810933
And you would be stupid to not get some of that fee back by using a credit card.

>>58810930

No, the point hasn't been very well refuted.

Yes, CC companies charge stores to accept them and process fees, but this results in an increase in prices for EVERYONE.

People who use a CC correctly reap a small part of that back.

There is absolutely, ZERO reason to not use a CC when used correctly.

>>58810771
Lol those were my posts. I think this means we kind of reached a common agreement. :)

>>58810952
That's a balance transfer.

>>58806911
>credit higher than debit
>cash - I work ilegally
>"wire transfers" not on the list
>not having 3 in 1 card. contactless/chip&pin/swipe

btw MasterCard > VISA

>>58810952
this fucking guy...

>>58810952

That is called a 'Balance Transfer'. Most CC companies charge a fee for this. It's the reason you can't use a CC to make payments on a car loan or house loan, because it's essentially the same thing.

>>58810922
I genuinely don't understand why we (europeans) hate towards auto so much. We act as if we are better than Americans for knowing how to drive manual, but I think we are just living in the past.
And yes, I've been driving manual for the past 10 years.

>>58810968
>fagsterCard > VISA
implying

>>58810958
I agree with you. I'm just condending his posts down

>>58809585
I love how absolutely instant Suica is.

>>58810963
>>58810981
That makes me sad :(

>>58810995
is that like paying for everything with your metro pass?

>>58810875
What shit countries are you from cars are everything where I live. We only don't car about size or features.

>>58806911
MasterCard Chip + Pin

>>58810933
>What the other guy was saying is that the costs of a credit system is passed onto all consumers regardless of whatever payment method they use.
This is true.
>The credit card companies charge a fee to businesses and these businesses pass the fee onto the consumers.
This is also true.

The main claims are that cc's have lower costs of processing than cash. No proofs have been provided.

And that the (((benefits))) of credit cards are a good enough advantage that justifies their use as the default payment method for everything. It has been argued that these benefits are smoke and mirrors, financed by yourself, the user of the cc.

There's no free lunch, c'mon people.

>>58810952
DON'T.
For balance transfers, you don't have your normal 56 days interest-free period, and the interest gets charged immediately.
Better idea is to get a different credit card that offers balance transfer for free in exchange for closing your old card, and then give you some more interest free period.
But seriously, if you can't keep up with payments on time, stay with the debit card fags and don't get yourself into paying one credit card with another.

>>58806911
Travel to Sweden with American Express go to McDonalds you get no food (=

Sorry sir we don't take that kind of card

>>58810959
>>58810958
You are not the main benefactor in this arrangement, even if you do get some sort of benefit.

You could (and should) seek other arrangements that benefit you more.

In the first, you are mostly a useful idiot paying lip service to the cc industry.

>>58810787
>>58810896
>>58810958

See, the thing is, I think we're agreeing on some things. Credit card companies are a fraud, a useless middleman in the payment system that generates no value and leeches off of the poor and stupid. It started when banks wouldn't cooperate enough to create a proper common payment system of their own, and now you're stuck with it, so the best thing you can do is to use it and recoup some of your costs through "discounts and cashback".

But, the point I'm trying to make is: You should not feel happy about it. In the end, YOU will pay for the cc companies' profits, because the money has to come from SOMEWHERE. (see >>58810322). You can of course not care, and get your cashback and be happy. But at least (as said here >>58810680), in thread like this, don't pretend it's a good payment system, because IN THE END IT MAKES YOU PAY MORE.

>>58811033
There is no free lunch but there is a reduced price lunch.

>>58810995
Right! I wish Middle European NFC payment would've taken Suica as an example, and instead of marketing it as "wireless payment system" and create all kinds of drama about people on the subway robbing you of your money through your pants, they should've marketed it as *touch* payment, showing people using the whole wallet and all. So satisfying to take your wallet and whack it onto the little reader, wham, done. :)

>>58810657
>Do you fags have that kind of thing?
Definitely not.

>>58811206
We do. It's just not as popular.
See http://www.bbc.co.uk/news/business-38132843

>>58811240
I'm not British.

>>58811259
He asked if we Europeans have it.
UK is in Europe. That means that Europe, at least in some parts, has it.
It is not as popular and I actually had to do research to confirm it exists.

>>58811259
Do you have a resident degenerate population you want to impoverish? You should open one up anon, untapped market and all

>>58811289
>UK is in Europe.
UK is not the Europe. Just because it exists in one country, especially the one that most desires to be America, doesn't make it an European phenomena.

>>58811313
Last time I checked, UK was in Europe.
We are even in the EU (for the time being).

>>58811033
>No free lunch

Yes there is. My Amex has a yearly fee of $90, but I get over $400 back from points that I can use to pay off portions of the card or buy stuff on Amazon. I pay the full balance every month so there is no interest.

I literally get paid to use my Credit Card. And you can double dip if you link it with Samsung Pay, so I get Samsung points and Amex points on the same purchase.

>>58807622
>44 million cardholders
lmao at this special snowflake american technology from 18th century

>>58811081
Can I pay in refugees? I heard they're accepted everywhere in Sweden.

>>58811305
Rental Adidas track suits would make a killing.

>>58811330
>>58811313
>>58811289
This sidechain is triggering my YUROPEEN. Of course Great Britain is part of Europe! Half of them might be whiny cunts and feel like they aren't, but that doesn't change the fact that their island is on the contintental shelf of Eurasia. Also, Scots still based, they can into EU.

>>58811389
>saying it like it's a bad thing, making idea exchange and even aggressive discourse next to impossible :^)

File: 6a01156e4c2c3d970c01a511d8a85a970c.png (892KB, 717x513px) Image search: [Google]

892KB, 717x513px

>>58811411
kek

>>58810657
Maybe loans, yes, but not renting.

>>58811371

The $400 is literally just your money, that you received back.

The problem is, that's just a portion of it.

The total body of fees may've been upwards to say $2000, for example, barred processing costs, for a total of (again just an estimation) $2500.

Instead of receiving $400, you could save the actual $2000, by negotiating better deals whenever possible.

Also, free lunch. By your post alone you can see that you don't know what it means. No free lunch means that SOMEBODY has to foot the bill. That's what it means. Not free as in "well it's free for me :^)".

>>58811535
No

>>58811567
BTFO lel.
How will I ever recover.

>>58811496
Payday advances are advertised by basketball playing nigs to poor nigs here

>>58811389
pay in east european truck drivers they drive for coffee money

I only pay in various sexual favors.

>>58811624
What if you're buying a whore?

>>58811646
You can get those for free. It's called a GF

>>58811646
I pay in BJ credits. If she doesn't want to work (like for example, it's the Sabbath and she has to be at synagogue) but she still wants to make money, I work in her place giving BJs and passing the money/crack on to her. It's a win/win situation really.

>>58810477
>>58810719
Nigger mobile