It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
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ThomamelasOnly one man can kill this many Russians. Bring his guitar to me! Registered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
if i have more money through rewards programs i have more money to spend at the store
Merchant fees lead to higher prices
This post assumes that your demand at a given store is dependent on your resources more than your need for their goods and services, which I find dubious
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TavIrish Minister for DefenceRegistered Userregular
a girl I know has a Darkthrone mug which she uses for black coffee
And when this hits Netflix it will have:
"Not to be associated with the feature film Pacific Rim"
in the description. It's amazing how many of these types of bait and switch movies are out there.
"Mockbuster" is the term I've heard used to describe them. Like Transmorphers, which featured the line "the spectrum is off the spectrum."
In other news, it is snowing here this morning. What the fuck, Seattle? It's goddamn March. Get your shit together.
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AManFromEarthLet's get to twerk!The King in the SwampRegistered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
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Nova_CI have the needThe need for speedRegistered Userregular
I dunno if Load qualifies as 'best metal' but it's certainly Metallica's best album.
Anybody here have experience with the Rollercoaster Tycoons and can tell me which one is considered the best?
@Couscous. If you can only get one, get #2 because it is #1 refined plus Six Flags rollercoasters. 3 is more expensive, but the 3-dimensional parks are a nice upgrade.
Switch Friend Code: SW-6732-9515-9697
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TL DRNot at all confident in his reflexive opinions of thingsRegistered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Well there has been some progress on this; CC companies are no longer allowed to prohibit merchants from charging those fees to the consumer.
And accepting credit cards is voluntary anyway, so it's tricky legal ground to tread. It just so happens that the American Consumer is largely ignorant and willing to screw himself and his fellow consumer for a perceived short-term gain.
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
Also I'm not losing sleep over Amazon getting 2% less money from me
"but... but... what about their ivory back scratchers...?"
ABLOOOOOOOOOOOO
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Deebaseron my way to work in a suit and a tieAhhhh...come on fucking guyRegistered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
Yeah, that shit should be up to Congress, not me.
If they want to create a federal interchange system with a low merchant fee I would be all the fuck over that. Credit cards are practically a utility as far as Im concerned.
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TavIrish Minister for DefenceRegistered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
Except that for most businesses, not accepting Visa or Mastercard isn't really an option, it's pretty much mandatory. And allowing the credit card companies to charge the business obfuscates this cost from the consumer.
Charging the consumer--the one making the choice as to whether or not to use a credit card--is really the only fair way to do it. It also means that the consumers who want the convenience of using a card will pay for that convenience, and the ones who would prefer not to pay for it can simply use cash.
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AManFromEarthLet's get to twerk!The King in the SwampRegistered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Well there has been some progress on this; CC companies are no longer allowed to prohibit merchants from charging those fees to the consumer.
And accepting credit cards is voluntary anyway, so it's tricky legal ground to tread. It just so happens that the American Consumer is largely ignorant and willing to screw himself and his fellow consumer for a perceived short-term gain.
That's where this whole thing falls apart. Merchants make the decision whether or not to accept credit cards.
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
Also I'm not losing sleep over Amazon getting 2% less money from me
"but... but... what about their ivory back scratchers...?"
ABLOOOOOOOOOOOO
...how would you pay for an Amazon purchase in cash?
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Deebaseron my way to work in a suit and a tieAhhhh...come on fucking guyRegistered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
Also I'm not losing sleep over Amazon getting 2% less money from me
"but... but... what about their ivory back scratchers...?"
ABLOOOOOOOOOOOO
You buy foreign manufactured merchandise from an internet retailer?
That's selfish and shortsighted.
You should buy your dildos from a local artisan.
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Well there has been some progress on this; CC companies are no longer allowed to prohibit merchants from charging those fees to the consumer.
And accepting credit cards is voluntary anyway, so it's tricky legal ground to tread. It just so happens that the American Consumer is largely ignorant and willing to screw himself and his fellow consumer for a perceived short-term gain.
That's where this whole thing falls apart. Merchants make the decision whether or not to accept credit cards.
In the same way I make the decision as to whether or not to breathe, yes.
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
Also I'm not losing sleep over Amazon getting 2% less money from me
"but... but... what about their ivory back scratchers...?"
ABLOOOOOOOOOOOO
...how would you pay for an Amazon purchase in cash?
Amazon is a place holder for any large corporation i don't give a fuck about having to pay a fee
i wouldnd have used tesco but i couldnt be bothered to explain who they were to non British people :P
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SarksusATTACK AND DETHRONE GODRegistered Userregular
Guys
Should I tip 3% more when using a credit card to offset transaction fees.
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TL DRNot at all confident in his reflexive opinions of thingsRegistered Userregular
Point: It it worth considering whether to support the practice of diverting a percentage of all personal transactions to an unrelated third party in a way that raises costs across the board for all consumers, and weighing this against the potential convenience afforded when using a card over cash.
Counterpoint: Not my problem lol
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TavIrish Minister for DefenceRegistered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
Also I'm not losing sleep over Amazon getting 2% less money from me
"but... but... what about their ivory back scratchers...?"
ABLOOOOOOOOOOOO
You buy foreign manufactured merchandise from an internet retailer?
That's selfish and shortsighted.
You should buy your dildos from a local artisan.
if the artizan in question would like to drive a van of his wares to my house and charge prices comparible to what i would get online i'd be delighted to sir
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Deebaseron my way to work in a suit and a tieAhhhh...come on fucking guyRegistered Userregular
I would feel terrible if I were out somewhere to eat and I had to think "Fuck...do I have enough money on me?"
The last time I even thought about whether I had enough cash was new years morning when I couldn't work out whether I had enough beans for car service + tip.
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ThomamelasOnly one man can kill this many Russians. Bring his guitar to me! Registered Userregular
It's really an obligation of the consumer to factor that into the decision to use a credit card.
As a consumer, I give zero fucks. I want X for $Y. If I can get points/cash back all the better for me.
This is selfish and shortsighted
Here's the problem: you're paying extra in order to cover credit card processing fees if you're not using a credit card. So, you can either get your rewards points, or you can get screwed, where you pay for other people's rewards, and don't get any of your own.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Well there has been some progress on this; CC companies are no longer allowed to prohibit merchants from charging those fees to the consumer.
And accepting credit cards is voluntary anyway, so it's tricky legal ground to tread. It just so happens that the American Consumer is largely ignorant and willing to screw himself and his fellow consumer for a perceived short-term gain.
That's where this whole thing falls apart. Merchants make the decision whether or not to accept credit cards.
In the same way I make the decision as to whether or not to breathe, yes.
I'm not sure the bulk of retail stores could survive without the ability to take credit cards. I'm not sure it really is a valid option for most of them to go cardless. It would be almost impossible for e-commerce based businesses to survive based on people sending them checks.
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JacobkoshGamble a stamp.I can show you how to be a real man!Moderatormod
TL DRNot at all confident in his reflexive opinions of thingsRegistered Userregular
I use a credit card. At the gas pump, for example, paying with cash would involve putting down $40 and then going back in for my change.
But if I'm at the you-scan at the grocery, or especially when dealing with a small merchant (those phone swipe apps can charge up to 10% from what I've seen) then it's pretty dickish to not pay cash because ugh I would be inconvenienced
I use a credit card. At the gas pump, for example, paying with cash would involve putting down $40 and then going back in for my change.
But if I'm at the you-scan at the grocery, or especially when dealing with a small merchant (those phone swipe apps can charge up to 10% from what I've seen) then it's pretty dickish to not pay cash because ugh I would be inconvenienced
i would have to care deeply about the business in question for me to think like that
i wouldnt call it "dickish", it's a cost of doing business
Metallica's best album was Master of Puppets, followed by Ride the Lightning. I actually think half of Load is decent, while the other half is terrible.
Posts
Better than things getting sticky and waiting on a period.
Not really, bro. O_o
But whatever, there aint no need to make it personal.
In a fair system, it would be illegal for the credit card companies to charge merchants a fee at all; they should have to charge the consumer, so the consumer can choose whether or not to pay the fee. But there isn't a Congressman or Executive Branch member out there with the cajones to say so.
Merchant fees lead to higher prices
This post assumes that your demand at a given store is dependent on your resources more than your need for their goods and services, which I find dubious
swoon
In other news, it is snowing here this morning. What the fuck, Seattle? It's goddamn March. Get your shit together.
Yeah, this idea that you need to consider the cost to the merchant doesn't make sense to me.
Credit card charges are stupid as hell, but a cost of doing business. It is up to the merchant to consider that when they add the card option to their till, not the customer.
@Couscous. If you can only get one, get #2 because it is #1 refined plus Six Flags rollercoasters. 3 is more expensive, but the 3-dimensional parks are a nice upgrade.
Well there has been some progress on this; CC companies are no longer allowed to prohibit merchants from charging those fees to the consumer.
And accepting credit cards is voluntary anyway, so it's tricky legal ground to tread. It just so happens that the American Consumer is largely ignorant and willing to screw himself and his fellow consumer for a perceived short-term gain.
Also I'm not losing sleep over Amazon getting 2% less money from me
"but... but... what about their ivory back scratchers...?"
ABLOOOOOOOOOOOO
Yeah, that shit should be up to Congress, not me.
If they want to create a federal interchange system with a low merchant fee I would be all the fuck over that. Credit cards are practically a utility as far as Im concerned.
fry.jpg
Charging the consumer--the one making the choice as to whether or not to use a credit card--is really the only fair way to do it. It also means that the consumers who want the convenience of using a card will pay for that convenience, and the ones who would prefer not to pay for it can simply use cash.
That's where this whole thing falls apart. Merchants make the decision whether or not to accept credit cards.
...how would you pay for an Amazon purchase in cash?
You buy foreign manufactured merchandise from an internet retailer?
That's selfish and shortsighted.
You should buy your dildos from a local artisan.
8->
Oh, I'm serious.
Man that is a giant guinea pig looking thing.
Amazon is a place holder for any large corporation i don't give a fuck about having to pay a fee
i wouldnd have used tesco but i couldnt be bothered to explain who they were to non British people :P
Should I tip 3% more when using a credit card to offset transaction fees.
Counterpoint: Not my problem lol
:rotate:
if the artizan in question would like to drive a van of his wares to my house and charge prices comparible to what i would get online i'd be delighted to sir
The last time I even thought about whether I had enough cash was new years morning when I couldn't work out whether I had enough beans for car service + tip.
I'm not sure the bulk of retail stores could survive without the ability to take credit cards. I'm not sure it really is a valid option for most of them to go cardless. It would be almost impossible for e-commerce based businesses to survive based on people sending them checks.
Is that that rape game
But if I'm at the you-scan at the grocery, or especially when dealing with a small merchant (those phone swipe apps can charge up to 10% from what I've seen) then it's pretty dickish to not pay cash because ugh I would be inconvenienced
the opposite, actually
dude the word Tesco appears approximately 1,143.5 times per 100-page chat thread
it is basically the unofficial sponsor of early-AM chat
i would have to care deeply about the business in question for me to think like that
i wouldnt call it "dickish", it's a cost of doing business