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sad question posted:That sounds impressively terrible. The 'pull' system in the US also means that anyone who gets ahold of your account number (say, by reading it off a check) can transfer money from your account with no confirmation on your part. Your recourse is filing a chargeback with the bank or suing them for fraud or something. That probably contributes to the reason nobody has their friends' account numbers to transfer money to.
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Apr 29, 2021 20:30
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Why Is America?
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Apr 29, 2021 20:38
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mng posted:Why Is America? As with a lot of problems in the modern world, the answer ultimately comes down to the British Empire.
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Apr 29, 2021 20:40
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mng posted:Why Is America? Racism and vast natural resources.
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Apr 29, 2021 20:40
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A beautiful response to the recent Shapiro Twitter video: https://www.reddit.com/gallery/n15hp5
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Apr 29, 2021 20:47
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RPATDO_LAMD posted:The 'pull' system in the US also means that anyone who gets ahold of your account number (say, by reading it off a check) can transfer money from your account with no confirmation on your part. Your recourse is filing a chargeback with the bank or suing them for fraud or something. Sometime in the aughts there were a few scammers who had this scheme going on where they'd buy out independent adult sites that processed through their own merchant account at a ridiculously inflated price through a shelf corp in one of the usual suspects, then run all the cards through a rebill account until they ran dry or the gateway sussed out what was going on. Then they'd transfer as much as they could out and leave their patsy nominee holding the bag before moving on to the next mark. The longest I ever heard this going on was like two weeks, because it's very very difficult to do this sort of thing without financial institutions looking very studiously the other way.
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Apr 29, 2021 20:51
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Would adult sites be cheaper if it was easier for them to get lower rates on credit cards, slash, had easier access to credit card transfers?
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Apr 29, 2021 20:54
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ben shapino posted:im dropping this to not poo poo up the thread with this crap any more ... ben shapino posted:good luck fighting racism wherever it is found, oh valiant goons. just make it up if you can't find any, you definitely don't come off as exactly the type of person the joe keskold account is parodying at all. Terminally online on forums.somethingawful.com is definitely the saddest version of terminally online.
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Apr 29, 2021 20:58
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Skwirl posted:Would adult sites be cheaper if it was easier for them to get lower rates on credit cards, slash, had easier access to credit card transfers? Potentially? It'd give them the option, at least.
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Apr 29, 2021 21:03
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It's funny watching old American films where American Express is portrayed as some sort of Elite Card. But then tons of stores in Europe will straight up ban American Express for being an unreliable garbage card with massive fees.
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Apr 29, 2021 21:11
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Skwirl posted:Would adult sites be cheaper if it was easier for them to get lower rates on credit cards, slash, had easier access to credit card transfers? I dunno how much this applies nowadays since I noped out of the industry years ago, but holy poo poo was there just a lot of actual crime going on (and not the good kind)
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Apr 29, 2021 21:12
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Fatty Crabcakes posted:In order for that to happen, people would have to be significantly less likely to dispute charges once they've ejaculated. Granted the industry brought a lot of chargebacks onto their own heads because of their own shortsighted greed and libertarian tendency to be scammy shitheads (there are a *lot* of randroids in the industry) Jesus that's horrible.
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Apr 29, 2021 21:14
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Katt posted:But then tons of stores in Europe will straight up ban American Express for being an unreliable garbage card with massive fees. This is one reason¹ why your bank debit card is almost certainly going to be either of the two, even after Discover started trying to partner with banks in earnest. ¹ the other ones are of course, related to corrupt business practices
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Apr 29, 2021 21:24
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Skwirl posted:Jesus that's horrible.
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Apr 29, 2021 21:30
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This is so wild from a Swedish perspective. If someone sends me a bill that I disagree with (legitimate or otherwise) I write them a letter contesting it. Regardless of what reason I provide. The whole matter is frozen there until the case has been brought to court and I have lost the case. And if the claim is for less than $2200. Then both parties pay their own legal fees regardless of who won or lost. So you can pretty much go to court and twiddle your thumbs then tell your side of the story and the people filing a claim against you will end up having to pay several times the original claim in legal fees even if they win.
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Apr 29, 2021 21:32
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Fatty Crabcakes posted:Adult performers can be wonderful people (I mean, lots of real shitheads too) but goddamn if the producers aren't some of the worst human beings I've ever dealt with I meant the customers refunding their payments immediately after watching or downloading something, but that's not particularly surprising either.
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Apr 29, 2021 21:35
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Katt posted:It's funny watching old American films where American Express is portrayed as some sort of Elite Card. IIRC, Amex spent a lot of money in the 80s on product placement (there's famously a blatant American Express ad in the opening scenes of Batman) and tried very hard to make it seem like stores not accepting it was a sign of the card's exclusivity (essentially, trying to shame stores into opting in). It didn't work. Lots of places in the US still won't take Amex either. On the other hand, it's still more widely-accepted than https://www.youtube.com/watch?v=2-nSwKOVZyk
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Apr 29, 2021 21:57
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Cythereal posted:As with a lot of problems in the modern world, the answer ultimately comes down to the British Empire. I think we have to blame France to some extent as well.
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Apr 29, 2021 21:59
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SneezeOfTheDecade posted:It didn't work. Lots of places in the US still won't take Amex either. On the other hand, it's still more widely-accepted than Some restaurants I worked in took Amex, some didn't. Every single one took Discover. Although almost every single person who used one always asked if we took it expecting me to say no.
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Apr 29, 2021 22:02
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Data Graham posted:I don't know if it's just me but in the US, in my experience at least, nobody knows another person's bank account number, god no. That would be like someone giving you power of attorney, or that's what it would feel like you're asking them for. this is a pretty funny comment in a discussion that started because people were talking about still using checks in the us
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Apr 29, 2021 22:05
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A lot of places used to not take Discover because they charged higher processing fees than other cards. I'd assume it was the same situation with Amex. What's weird is that for a time in the 90's, the only credit card that (at least my local) Sam's Club accepted was Discover.
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Apr 29, 2021 22:07
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empty baggie posted:A lot of places used to not take Discover because they charged higher processing fees than other cards. I'd assume it was the same situation with Amex. I think that was because Walmart/Sam's had a card backed by them, like Costco with Visa.
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Apr 29, 2021 22:18
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Up until last year Costco in the UK would only accept American Express if you wanted to pay by credit card instead of debit.
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Apr 29, 2021 22:21
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History Comes Inside! posted:Up until last year Costco in the UK would only accept American Express if you wanted to pay by credit card instead of debit. Costco exists in the UK?
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Apr 29, 2021 22:23
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Skwirl posted:Costco exists in the UK? Well, over there it's Coustcou
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Apr 29, 2021 22:25
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Paper Tiger posted:Well, over there it's Coustcou I get the joke, but that looks French.
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Apr 29, 2021 22:26
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Where you get yer gallon of eels, innit? Leftenant Eatmuch approves.
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Apr 29, 2021 22:28
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Skwirl posted:I get the joke, but that looks French. That'd be "Côtceau".
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Apr 29, 2021 22:28
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Veotax posted:Yeah, literally the only time I've written a check was when I was a teenager and needed to pay my mum back for something. She made me write her a check because "you'll need to know how to do this for later in life", never written another one. my last job was paper check only because the owner didn't want to pay for direct deposit he also paid under the table all overtime because he didn't want to pay taxes on that either the state of ohio is currently investigating him account to public court records
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Apr 29, 2021 22:36
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I think that's a knife-selling MLMSneezeOfTheDecade posted:That'd be "Côtceau".
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Apr 29, 2021 22:46
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iwentdoodie posted:I think that was because Walmart/Sam's had a card backed by them, like Costco with Visa.
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Apr 29, 2021 22:49
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Katt posted:This is so wild from a Swedish perspective. I’m curious as to how this doesn’t get abused. I just hired you to make me 1000 widgets at 10 bucks a shot. I pay you a deposit to get up and running and agree to pay you the second half when they are done? So are there systems in check to make sure I’m not just going to pay you $8,000 total? Assume for the sake of argument that you shipped me the order because you made the mistake of trusting me.
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Apr 29, 2021 22:51
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why doesnt the gov. just make its own card? where's my cyberpunk future with credit chits?
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Apr 29, 2021 22:54
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PhazonLink posted:why doesnt the gov. just make its own card? where's my cyberpunk future with credit chits? Your credit limit is based on your Citizen Score
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Apr 29, 2021 23:01
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PhazonLink posted:why doesnt the gov. just make its own card? where's my cyberpunk future with credit chits? I think that's called "cash"
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Apr 29, 2021 23:05
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ben shapino posted:This is exactly what I do and I was never taught to do it this way. It just makes so much more sense to do 3 easy calculations instead of one complex one. Me too. I've had pretty good success shutting down Boomer rants about common core math by saying something like "they're just teaching the kids to do math the way every sane person already does it in their head" 
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Apr 29, 2021 23:21
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Skwirl posted:I get the joke, but that looks French. That's the normans for you
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Apr 29, 2021 23:42
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A sampler platter. Raw meat dude keeps going at it. Now with probably spoiled milk and raw chicken.  https://twitter.com/aristopurp/status/1387543132435218433 WEAD https://twitter.com/gregkellyusa/status/1387804495619497993 The funny kind of idiocy. https://twitter.com/DeddoRain/status/1387418654581665795
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Apr 29, 2021 23:42
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It would be honestly better if we were all obliterated by an asteroid. https://twitter.com/e_turgeneva/status/1377308563912155140?s=20
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Apr 29, 2021 23:49
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Bugsy posted:A sampler platter. How is this guy still alive? I feel like I see people making fun of him for these kinds of tweets every couple of months.
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Apr 30, 2021 00:10
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