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I know that my biggest worry about the military industrial complex is its carbon footprint.
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Aug 24, 2018 04:53
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Moridin920 posted:Nah all it takes is one time you overdrew and were broke as gently caress as the fees ran up to the max day by day (usually around -$500 or so) and then they kicked you off to collections You probably aren't totally hosed unless your account was overdrawn more than $600-ish. Banks/credit unions know someone with a charged-off checking account is more of a risk, but they also recognize there's money to made servicing that market. A ton of midsize and larger financial institutions offer special checking accounts for people with hosed up account histories, usually with a set monthly fee, more limited overdraft offerings (which are bad regardless), and maybe higher fees for things like cashier's checks. If you absolutely can't get a checking account, consider opening a savings account with an ATM card - since you can't easily overdraft a savings account, some banks/CUs may not care about or even look at your checking account history. Also, credit unions are really cool in theory but there's absolutely no guarantee one will be 'better' than a bank. The size of the institution plays a role- a huge credit union with 2 million members probably got there by focusing on explosive growth instead of member service. A bank that only has 2 branches and 30,000 customers is more likely to try and balance both. Alternatively just say gently caress it and open an account at an online-only bank since loads are popping up as Silicon Valley tries to disrupt finance or whatever.
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Aug 24, 2018 05:02
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Former DILF posted:get a credit union I've seen this advice a few times, and it seems so very meh. I don't know if credit unions are different where you're from, but here they are pretty much indistinguishable from a regular bank. Same lovely fees, same garbage interest. The only difference is it's harder to find a local branch. Don't get me wrong, I hate my bank for being a bunch of lowlife scum who earn millions by gouging the lowest income people, but credit unions appear to be in no capacity better.
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Aug 24, 2018 06:09
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im always confused by americans when they talk about credit cards and stuff you literally use credit? A credit card here is just a card you store money on. I don't use cash anymore, almost no one except old people does in my country
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Aug 24, 2018 06:55
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Zzulu posted:im always confused by americans when they talk about credit cards and stuff That’s a debit card, in America
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Aug 24, 2018 07:01
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But anywaySerCypher posted:Here is how it works.
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Aug 24, 2018 07:24
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Zzulu posted:im always confused by americans when they talk about credit cards and stuff A credit card is spending money that you are borrowing ("credit"). Debit cards are used for spending money that is yours. A pre-paid credit card is one that involves spending money that is "stored on the card" (as opposed to in a bank account) and they really only exist so you can buy things using Visa/MasterCard merchant systems (eg online purchasing), especially for those that can't get a credit account. Downsides also include losing the money if you lose the card (or at least the card number and pin), higher fees, and possible expiry dates depending on your country's laws.
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Aug 24, 2018 07:41
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Zzulu posted:im always confused by americans when they talk about credit cards and stuff You have some terms confused. A credit card in Sweden is exactly the same as a credit card in the US, it’s even called “kreditkort”. What you’re thinking of is a debit card (bankkort in Sweden).
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Aug 24, 2018 08:53
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Do non-poo poo credit cards exist in the US? I'm in the UK and my credit card has no fees for anything, just interest, which i barely incur anyway because i just pay it off instantly with a transfer from my bank account. I think my credit card has cost me a grand total of £5 in the 4 years I've had it. When i say no fees, there are still penalty fees, but i can withdraw cash for free (home and abroad), there's no inactivity fee, etc etc US credit cards sound like signing up to indentured servitude or something
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Aug 24, 2018 09:30
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yeah there's something off about american credit carsd
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Aug 24, 2018 09:33
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JeremoudCorbynejad posted:Do non-poo poo credit cards exist in the US? Same here, I had the choice to make payments after a few months or have it deducted every month from my account. The few months option included having guarantees on my purchases by the creditcard company, we have pretty good consumer laws over here I just pay it as fast as possible.
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Aug 24, 2018 09:41
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Propitious Jerk posted:I know that my biggest worry about the military industrial complex is its carbon footprint. I mean, it does sound silly, but the US military is so huge and wasteful that I genuinely wouldn’t be surprised if the pollution it pumps out is more long-term disruptive than the countries it blows up directly.
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Aug 24, 2018 09:42
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lol I guess ousting and executing the leaders of several sovereign nations and replacing their elected-leaders with puppet rulers and even attempting direct invasion is a "culture war" that is acceptable. Cultural Marxism, on the other hand, a bunch of overweight teachers deciding to do one book over another this year on the English syllabus, is INTOLERABLE!!!!!!
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Aug 24, 2018 10:22
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JeremoudCorbynejad posted:Do non-poo poo credit cards exist in the US? Hell, I get paid for having a credit card in New Zealand. There are charges for the card for the year but I get $1 for every $90 I spend on it. And it gets paid off in full each month so I never pay any interest.
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Aug 24, 2018 10:49
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Credit cards are generally fantastic if you treat them like debit cards and never spend money you can’t immediately pay off.
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Aug 24, 2018 10:58
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I've never understood how people get a credit card and think 'this is free money'.
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Aug 24, 2018 12:04
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I don't really understand why you'd use a credit card instead of a debit card ever
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Aug 24, 2018 12:10
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sebzilla posted:I don't really understand why you'd use a credit card instead of a debit card ever it builds credit score which helps you if you need to be approved for a loan or whatever. Basically its like a hidden number that rich people use to judge how trustworthy you are and the best way to get a good score is to game the system by buying things on credit you dont really need to or want to and paying them back.
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Aug 24, 2018 12:12
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Credit score and for big purchases you can’t afford to pay for in one go. The advantage of a credit card is that you can pay the balance off over time. For people without a lot in the bank that’s really important—every month when they get paid they pay off some of the credit card balance. Unfortunately that means you’re paying interest too.
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Aug 24, 2018 12:14
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sebzilla posted:I don't really understand why you'd use a credit card instead of a debit card ever If you get scammed or have a dispute about something you buy online, it’s usually much much easier to claim money back if you’ve paid via credit card rather than debit card.
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Aug 24, 2018 12:20
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sebzilla posted:I don't really understand why you'd use a credit card instead of a debit card ever Besides the build credit thing (which seems to be kinda us specific), there are several other very good reasons: It’s an interest free loan for a certain period (mine are 45 days, but that probably varies) allowing your own money to accrue interest Fraud protection is better I get free travelers insurance if the trip is paid with a credit card If I buy a plane ticket and the airline goes bankrupt I get a refund from the bank Cashback programs, various discounts, airline miles etc
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Aug 24, 2018 12:20
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Get your signup bonus and move on to the next credit card while the banks use the same hook to prey unsuspected suckers into debt is the pinnacle of modern capitalism.
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Aug 24, 2018 12:30
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hell I got a credit card out to get a full service on my car because it was overdue and I didn't want to half-rear end it. I paid it off inside the month and buried the card in a drawer but when you get paid week to week big poo poo like that can screw you over. Other things I have since used it for: -a nice suit for a job interview - paying big electricity/gas bills up front for sweet discounts Its technically not super hard to use a credit card responsibly but I have the benefit of a solid middle class upbringing despite being broke as poo poo now so the benefits of having credit available are pretty obvious to me but those are learned skills that are actively hampered by the way credit is marketed to people
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Aug 24, 2018 12:39
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loaning money from non-family members not even once
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Aug 24, 2018 12:46
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sebzilla posted:I don't really understand why you'd use a credit card instead of a debit card ever In the UK you gain a shitload of extra consumer protection by law through using credit rather than debit, and most credit card companies offer further insurance on purchased items. Even without that extra protection I still use my credit card instead of my debit card almost exclusively because in the worst case scenario and my card gets stolen/cloned/hacked, I have a lot more time to get it sorted out than if my current account gets emptied.
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Aug 24, 2018 12:48
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Rock Puncher posted:loaning money from non-family members lol if your wealthy family members aren't more stringent and rigorous and arbitrarily idiotic than a bank me, a sane rational person: "hey uncle bob can I borrow 800 to do a full service on my car? I can pay you back at 400 a month plus a bottle of something nice for interest" any relative with money: "just lease a car from your cousin, mechanics are worse than the jews" Jezza of OZPOS has issued a correction as of 13:02 on Aug 24, 2018 |
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Aug 24, 2018 12:59
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Card skimmers/data breaches/etc happen constantly and pretty much guarantee that at some point your card data will be compromised. I'd rather have fraudulent charges on a CC than my debit card because it's much harder to be without cash than it is credit. That said as long as you report fraudulent charges reasonably quickly (within 30-60 days) you'll probably get your money back, but it could be up to two weeks for the refund to hit your account.
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Aug 24, 2018 13:04
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sebzilla posted:I don't really understand why you'd use a credit card instead of a debit card ever Debit cards here have absolutely ridiculous fees if you want to use them frequently. There's no way I'm paying more than single-digit fees to keep an account at the bank. The account I have now is either really cheap or free, but comes with the caveat of 3 free debits a month and then there's a not insubstantial fee for using your own loving debit card. If I use my Visa for everything and pay off the balance every payday I don't incur any fees and Visa has that rewards program so I think I take only a small loss or break even on the 2 cent credit card surcharge per purchase.
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Aug 24, 2018 13:20
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Calico Heart posted:lol I guess ousting and executing the leaders of several sovereign nations and replacing their elected-leaders with puppet rulers and even attempting direct invasion is a "culture war" that is acceptable. yes I know that wasn’t the nazis, work with me here
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Aug 24, 2018 13:42
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SplitSoul posted:If this shocks you, don't look up Shiro Ishii or Unit 731. Well it's inconvenient to prosecute people if you want to use their data "MacArthur struck a deal with Japanese informant, he secretly granted immunity to the physicians of Unit 731, including their leader, in exchange for providing America, but not the other wartime allies, with their research on biological warfare and data from human experimentation." And then you've got fun cases like the Laconia Incident where the USA bombed rescue operations knowing full well they were rescue operations and then tried to say Admiral Dönitz was at fault for issuing an order 'don't try and rescue people anymore because the Americans are just going to bomb you'. "At the Nuremberg Trials held by the Allies in 1946, Dönitz was indicted for war crimes. The issuance of the "Laconia order" was the centrepiece of the prosecution case, a decision that backfired badly. Its introduction allowed the defence to recount at length the numerous instances in which German submariners acted with humanity where in similar situations the Allies behaved callously. Dönitz pointed out that the order itself was a direct result of this callousness and the attack on a rescue operation by US aircraft. The Americans had also practised unrestricted submarine warfare, under their own equivalent to the "Laconia order", which had been in force since they entered the war. Fleet Admiral Nimitz, the wartime commander-in-chief of the U.S. Pacific Fleet, provided unapologetic written testimony on Dönitz's behalf at his trial that the U.S. Navy had waged unrestricted submarine warfare in the Pacific from the very first day the U.S. entered the war."
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Aug 24, 2018 13:49
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caedwalla posted:Card skimmers/data breaches/etc happen constantly and pretty much guarantee that at some point your card data will be compromised. I'd rather have fraudulent charges on a CC than my debit card because it's much harder to be without cash than it is credit. Someone got my debit card number and managed to put a hold on the account for $800 once, and I called the bank and they were like "can't do anything about it, it'll go away on its own because it's just a hold lol" In the meantime that's $800 of my real actual money that I can't do anything with for a few days. autism ZX spectrum posted:Debit cards here have absolutely ridiculous fees if you want to use them frequently. There's no way I'm paying more than single-digit fees to keep an account at the bank. The account I have now is either really cheap or free, but comes with the caveat of 3 free debits a month and then there's a not insubstantial fee for using your own loving debit card. What the hell debit card only lets you use it 3 times a month 
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Aug 24, 2018 13:52
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I just want to remind people MacArthur was an awful rear end in a top hat. All he good at was beat down and chased away peacefully protesting veterans from Washington DC. Him and 731 deserve each other.
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Aug 24, 2018 13:53
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ate all the Oreos posted:Someone got my debit card number and managed to put a hold on the account for $800 once, and I called the bank and they were like "can't do anything about it, it'll go away on its own because it's just a hold lol" Sorry, it's actually 12. I just looked it up. I swear my old student account had some even lower limit. Anyway try going through a regular month without using your card 12 times and not carrying cash. The monthly fee for this account is $4, the next one up is $11. Every time I have the misfortune of going to the bank they try and upsell me to their better accounts. It's always "but with these other accounts you're actually saving money!
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Aug 24, 2018 13:59
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Fashionable Jorts posted:I've seen this advice a few times, and it seems so very meh. I don't know if credit unions are different where you're from, but here they are pretty much indistinguishable from a regular bank. Same lovely fees, same garbage interest. The only difference is it's harder to find a local branch. depends on the credit union, mine has considerably lower fees and way better interest rates than any bank I'm aware of. the APR on my credit card is 6% vs 15%-20% on cards from regular banks, and i don't remember the exact rate on the car loan I had a couple years ago but it was the lowest of any other bank I looked at. there are definitely credit unions out there that are just as bad as banks though
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Aug 24, 2018 14:12
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I knew your cellphone and internet plans were rape central, but I had no idea american consumer banking was this loving horrible
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Aug 24, 2018 14:24
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I pay nothing to use any of my cards, the APR on my mortgage is 1.99% and the interest on my savings account is 2.05% 
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Aug 24, 2018 14:28
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Dave Concepcion posted:I knew your cellphone and internet plans were rape central, but I had no idea american consumer banking was this loving horrible Like with most things there's some banks that are absolutely awful and some that are pretty alright, based on where you live and if you've got "good credit" (AKA are white enough). I haven't paid a bank fee in years and use my cards all the time, and at the same time I know people who can't get a bank account at all or pay through the nose for the privilege of using a secured credit card. One way we're universally worse though is in bank transfers, which can take days if done in the standard way. But don't worry, for a fee you can use this premium service that your bank has partnered with to send money instantly! e: Dave Concepcion posted:I pay nothing to use any of my cards, the APR on my mortgage is 1.99% and the interest on my savings account is 2.05% I don't have a mortgage but my savings account is up to 1.85% now and slowly going up over time (at least until the economy crashes again) 
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Aug 24, 2018 14:58
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Anyway I got one of those automated emails from a seller begging for a review after buying a splitter cable off amazon, and this bit caught my eye:quote:As you know, one minute of your time can have a HUGE effect on us. Each time one of our valued customers leaves a product review a buzzer in our office sounds and we all get very excited. So would you please click the above link and share your feelings about this cable? We even hooked up a buzzer to annoy our employees for your entertainment, c'mon!
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Aug 24, 2018 15:01
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Basically most financial institutions are fine until you have an issue that requires any sort of assistance, and then it's a total crapshoot if you'll get it or not. I say that as someone that has worked in retail banking at both CUs and banks.
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Aug 24, 2018 15:13
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ate all the Oreos posted:Anyway I got one of those automated emails from a seller begging for a review after buying a splitter cable off amazon, and this bit caught my eye: Do you know there is a little cottage industry that the sellers bribe US buyers with free or almost free products so they can leave positive reviews. Sometimes you don't even have to leave a review, just buying the no name poo poo (that's much cheaper on aliexpress if you don't mind wait a month) and it will bump its ranking on the Amazon search result. I heard it from my cousin's niece so don't @ me.
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Aug 24, 2018 15:22
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