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Thread: I Hate Using Credit Cards
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04-14-2021, 08:13 AM #1
I Hate Using Credit Cards
REALLY!!!
It seems that there is a fraud committed on my cc (AMEX, VISA, MC) at least 2x/year. It is a PITA because every time it happens the cc co. changes the last 4 digits and I need to notify various merchants of the change. I hate that we are expected to become a cashless society.
This time it is a huge hassle for a $19 charge that I did not make. Kudos for the AMEX fraud department for catching it.“How does it feel to be the greatest guitarist in the world? I don’t know, go ask Rory Gallagher”. — Jimi Hendrix
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04-14-2021, 08:20 AM #2
I like the CC.
I like the two vacations a year the points allow me.
I like that my wallet is thin.
I actually don’t mind when there is fraud and my CC number changes - it’s nice to weed out the auto-renewal subscriptions you forgot about.
If you used a debit card and their was fraud you would be working to get your money back. At least with credit you can just dispute the charge and not pay it. And it becomes someone else’s problem.
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Squaw Valley, USA
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04-14-2021, 08:23 AM #3
This was the perfect ok boomer opportunity.
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04-14-2021, 08:26 AM #4
I’ve never had a fraudulent charge on my credit cards. I guess I’m just lucky ?
Sent from my iPhone using TGR Forums"Zee damn fat skis are ruining zee piste !" -Oscar Schevlin
"Hike up your skirt and grow a dick you fucking crybaby" -what Bunion said to Harry at the top of The Headwaters
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04-14-2021, 08:27 AM #5
Points.
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04-14-2021, 08:31 AM #6
Wife and I have both had fraud issues a few times, but Discover has been so easy to deal with it is a non-issue to me. Contrast that to the one time her Wells Fargo account was cleaned out and they said "you might get your money back."
For us, anything that can go on the card does and the cash back is a nice bonus.
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04-14-2021, 08:32 AM #7
The local market in Victor refuses to even take cash now. They apparently told some kid buying a candy bar to pound sand the other day and some other local ended up buying it for the kid. I'm still blown away by this story.
Live Free or Die
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04-14-2021, 08:33 AM #8
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04-14-2021, 08:40 AM #9User
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- Ogden
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04-14-2021, 08:42 AM #10
A lot of places here stopped taking cash as well. They put a plexiglass shield up in front of the sales counter with the card reader on the customer's side.
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04-14-2021, 08:44 AM #11
Everyone has known covid isn't getting spread by cash/touching for a long time.
I think they are just being lazy now and don't want to deal with cash / counting / bank runs et al. Kids and their candy be damned. That is some dedication to laziness when you tell a 7 year old to fuck off.Live Free or Die
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04-14-2021, 08:45 AM #12
Agree
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04-14-2021, 08:46 AM #13
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04-14-2021, 08:47 AM #14User
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- Ogden
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04-14-2021, 08:49 AM #15
anyone got a good points card recommendation??
i don't like playing "the game" (as in, "this month we need to shop at store X because they have 5x points), just something i can passively use to put all my purchases on
thinking amex blue, open to other ideas. chase freedom?
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04-14-2021, 08:49 AM #16
You can just straight up buy booze online now. I assume any self respecting youth knows this now. My cuz is a whiskey freak and I've been buying him bottles for holidays/birthdays for a couple years now. No id, check, anything. Just left in a box at your house. What a country.\
Can't use cash though either with that one.Live Free or Die
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04-14-2021, 08:50 AM #17Registered User
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- Feb 2018
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- 277
We had card fraud a couple of times in two years. Our bank suggested avoiding pin # interactions and use tap whenever possible. The riskiest place are gas stations where it is easy for crooks to place a skimmer on the pump. If you use the same gas station and it requires a pin then you could get repeat problems.
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04-14-2021, 08:52 AM #18
Oddly, the lady that cuts my hair went to cash-only when the pandemic hit.
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04-14-2021, 08:54 AM #19
Last edited by Carl_Mega; 04-14-2021 at 09:58 PM.
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04-14-2021, 08:54 AM #20"fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
"She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
"everybody's got their hooks into you, fuck em....forge on motherfuckers, drag all those bitches across the goal line with you." - (not so) ill-advised strategy
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04-14-2021, 08:55 AM #21
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04-14-2021, 08:55 AM #22
Fun fact from https://www.federalreserve.gov/faqs/currency_12772.htm:
Is it legal for a business in the United States to refuse cash as a form of payment?
There is no federal statute mandating that a private business, a person, or an organization must accept currency or coins as payment for goods or services. Private businesses are free to develop their own policies on whether to accept cash unless there is a state law that says otherwise.
Section 31 U.S.C. 5103, entitled "Legal tender," states: "United States coins and currency [including Federal Reserve notes and circulating notes of Federal Reserve Banks and national banks] are legal tender for all debts, public charges, taxes, and dues." This statute means that all U.S. money as identified above is a valid and legal offer of payment for debts when tendered to a creditor.
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04-14-2021, 08:56 AM #23
When the tap came out there was a guy on the London Underground with a disguised tap terminal, bumping it against peoples purses and pockets, raking in 3 euro charges.
Sent from my iPhone using TGR ForumsBest Skier on the Mountain
Self-Certified
1992 - 2012
Squaw Valley, USA
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04-14-2021, 08:57 AM #24
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04-14-2021, 09:00 AM #25
That's probably true. And plain incompetence.
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