The machine is acting up, just hold your card in place

>The machine is acting up, just hold your card in place
>Only twenty more minutes, sir

What is this regressive bullshit?

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quora.com/What-are-some-good-introductory-readings-on-credit-risk
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This has honestly never happened to me.

>the machine is acting up

this is the nice way to say "you fucking did it wrong shitdick" as a retail worker

>What is this regressive bullshit?
It's called being American user, sorry for your loss... maybe someday your infrastructure will catch up to the rest of the world.

>paying with anything but cash or GNU/Taler

>be German
>use card
>"sorry, cash only"
feels good

>having less options feels good
What kind of retarded fascist faggotry is this

>be german
Oh nvm

>2017
>Not doing transactions exclusively in Bitcoin

>Doing something wrong
>Retail worker

You would be the authority there, champ.

Feels bad man :(

Every store I go to has a big warning on the card reader "SWIPE CARD DO NOT INSERT".

I can't even remember the last time I paid with credit card IRL.

>>"sorry, cash only"
Is this common in Germany? It's only common in really small stores in the US of A (Like backwater gas stations) or places that operate in flee markets

The bigger the store the more likely it is to accept debit or even credit cards.

Supermarket chains and gas stations usually all accept cards and since the fees have been capped, most even accept credit cards (not all though).

But lots of smaller places you visit on a somewhat frequent basis don't do card payments, like bakeries or butchers or hairdressers

Also some stores won't accept Visa/MC, only our national debit card system (girocard, formerly EC card) which sometimes is a problem for tourists.

But it's not really that bad. Most bigger purchases you can do with card. And who really wants to pay with card for something like 2€ for bread?

>And who really wants to pay with card for something like 2€ for bread?
People who don't carry cash?

Can't use bitcoin in a grocery store.

This has only happened to me when I was still using only the magnet stripe, around 15 years ago

Now contactless payment is becoming popular here in non-Burgerland, kek

>People who don't carry cash?
Everyone does here.

>>And who really wants to pay with card for something like 2€ for bread?
>People who don't carry cash?
this

I barely carry cash at all anymore. Almost every store takes my card that's linked to my bank account.

How the fuck do all u inbreds have problems with your credit cards?

I've literally never had ANY of these issues.

So... Germans are very cash-oriented, carrying cash everywhere, while be contrast, the Swedes have many stores that won't accept cash at all.

Culture is weird.

there's literally no reason to use cash

Credit cards:
>build credit history
>offer rewards, zero liability fraud protection, cashback n shit
>Easier to track your expenses than cash which is hard and confusing to track where ur money goes

Get raped and kill yourself, you retarded fucking faggot sack of ugly nigger shit with down syndrome.

Design a better system... you could layout the pins on the edge of the card, more like a Nintendo game system cartridge. What other solutions are there for a credit card sized chip that needs to be plugged and unplugged quickly?

I just use a debit card everywhere. I've been too lazy to go ask my credit union for a credit card.

You _should not support_ shops that don't accept cards.
They should either start to accept or go extinct.

>credit union

lmao good cuck

> This

Credit cards and bank accounts by design let a central entity own and spy on your personal finances. That's not free.

> Daily reminder that you should always keep your money in cash, hidden under the bed. A true free man does not have money in the Jewish banks

>using cash

>Not bartering and exchanging gold flakes for goods and services

Hello non-free cuckold.

>Daily reminder that you should always keep your money in cash, hidden under the bed. A true free man does not have money in the Jewish banks

Sorry, we're not all poorfags with less than $1,000 to our name living NEETcheck to NEETcheck.

I have one (my bank gives it for free to people with a job just like they give debit cards), honestly the only reason being that some online stores (most of them american of course) accept ONLY credit cards so they can rip people off with those automatically recurring payments. Try literally every single american porn site for example, or the UK's latex lucy.

Credit cards are fucking useless when debit cards exist. All they allow you to do is spend money you don't currently have and pay it later, which really is just another way americans try to ruin themselves.

The one that's in place?

wat

you tell them what they're doing wrong until they do it right. If they can't figure it out you try to help them. If they refuse to be helped you allow them another try or so on their own. If they don't leave on their own out of frustration at that point you politely tell them to leave. If they won't leave and insist on trying more you sternly tell them to leave. If they still won't then you threaten to call security or the cops. If they still won't then you call security or the cops. Now its not your problem.

>Credit cards are fucking useless when debit cards exist. All they allow you to do is spend money you don't currently have and pay it later, which really is just another way americans try to ruin themselves.

1) You get fixed up faster in cases of fraud than with debit cards

2) You get rewards for using a credit card

3) You build credit history which is important

There is LITERALLY no reason to use a debit card over a credit card.

Here's one reason.

You can't go into $30,000 of debit card debt. Only credit card debt.

if you're gitting gud then you have good use for spending money you don't have

Most americans don't even have a slight clue of what it means to git gud so they end up in debt and shit.

You don't use credit to buy that new expensive thing you can't afford, you use it to buy that new expensive equipment/conference/course so you can make more money.

How is that a good reason?

You only get into debt if you'r a mental retard who just starts buying things he can't afford.

If you're that mentally retarded maybe you don't need debit/credit cards. You need your handler to manage your money for you.

That's retarded. You should never spend more money than you have. The only exception being getting loans for your business to grow.

>Most americans don't even have a slight clue of what it means to git gud so they end up in debt and shit.

So that's good. I'm glad they're retards who get in debt.

They're subsidizing our rewards. I hope they keep it up, i want bigger rewards.

Or similar to an sd card or whatever, but is it the reading mechanism that fails or is it some other thing? At gas stations it uses the magnetic tape anyway.

Credit is more secure when buying online. And you lose at most $50 for fraud. Have fun getting your account drained nerd.

Hey, he's going to make some boris very happy.

>1) You get fixed up faster in cases of fraud than with debit cards
only because murica made it so for themselves
2) You get rewards for using a credit card
only because murica made it so for themselves
3) You build credit history which is important
only because murica made it so for themselves

here in europoorland nobody gives a shit about credit cards. Banks dont care about what cards you use if they're trying to fit a loan to you or anything either, they just check your salary history, late fees, that sort of thing.

What I know of credit history, it seems to be literally that: a history of credit card payments, and I assume your punctuality in paying it back. Literally no better than your stiptness in having money on your account so your debit card payment can go through in the first place. That whole importance attached to the use of credit cards sounds pretty self-serving, like it was made up out of nowhere and then justifications for it were equally made up out of nowhere, and muricans believe it all

It's easy to buy something on a credit card or lots of little things and not realize how much you're spending. With a debit card, you don't need to worry. You literally can't spend more money than you have.

Can't use my card outside my state, much less my country. Your move, Boris.

There's more than goes into it.

Refer to: [PIC RELATED]

I don't have mental retardation, so that's not a problem for me.

I'd rather enjoy getting a *FREE* several hundred dollars a year in rewards.

>People who don't carry cash?
I never use cash.
It's easy to know what I'm spending when it's all through my card.

>Can't use my card outside my state, much less my country. Your move, Boris.

Boris will use it in your state, using a residential proxy installed on a computer part of a botnet.

>be a fucking leaf
>have had chip readers since 2009 and contactless/tap-to-pay since 2013
Feels good man
What's even better is that contactless never ever fucks up

>Credit is more secure when buying online
Really? All it takes to use a credit is reading the number on the back. To use my debit card you need to have my card AND my pin code. Other than that they work the same. How is credit card more secure? I could lose my debit card and not need to give much of a fuck, just get it blocked by cardStop when I get a moment to call them. Lose a credit card and you better get your ass ready.
>And you lose at most $50 for fraud.
murica-specific
>Have fun getting your account drained nerd.
literally less likely to happen with debit cards

because contacts do fuck up?

yeah but as leafs we don't get good rewards

What cards u got senpai?

Boris has no idea where I live, though.

>inb4 Boris is now omniscient and now god.

You're literally proving my point. Your credit cards are only precious because you created a bank-cock-sucking competition system out of nowhere to justify their existence in the first place. The importance americans attach to their credit cards is a circular reasoning.

You don't get shit for using a credit or debit card around here. Why would you? It's a payment medium, not some sort of stamp-saving discount-coupon collection card with which to brag to others how much of a consumer you are.

Boris can check the BIN of your card to see where it was issued from, and he will also have your address.

Okay so what's your point?

I didn't make up the system, I don't give a fuck about the philosophy of using credit cards. I just live in this system, so I abide by the system and I do what lets me succeed in this system.

If I lived 6000 years ago where we'd need to barter for goods and services I would do that. i just adapt.

>Boris can check the BIN of your card to see where it was issued from

BIN number shows you where the banks headquarters is located. Not my state.

>and he will also have your address

Wrong.

>Wrong.

Right.

if he has your credit card number he will have your address. How the fuck would he have one but not the other?

No credit card companies exist because banks couldn't cooperate. Basically credit card companies came in and said for a fee folks could use this card and you would be assured you get paid. It also worked over the phone, fuck sending people a cheque to buy something you saw on late night tv.

I know all y'all are breaking site rules but there was a time you paid for your groceries with cheque.

Regarding op, he's retarded. Canada doesn't even accept swipe because that shit is super insecure. Chip is super fast if they aren't using ancient technology (literally dial up at some places) there is also tap to pay for small fast purchases.

Majority of credit card fraud is because places still accept swipe. It's been insecure for decades at this point and why you get fucked when a card number isn't encrypted - people just print out new cards with your info and hit up some expensive stores.

America is fucking retarded sometimes.

The address on the card is not the state where I use the card.

>Why would you? It's a payment medium, not some sort of stamp-saving discount-coupon collection card with which to brag to others how much of a consumer you are.

And you would because creditors want to know the person they're loaning to. If you have a good credit score that means you pay off your debts diligently and are not a nigger who will not pay. So they want to loan to you, which is why they offer you more favorable loan conditions.

is that so hard to understand?

He will have your residential address if he has your credit card number you retard.

Generally not.

Just number, name, expiration and CSC

r u dumb?

How would he have those but not the person's address?

So now he is god, because my address listed for the card is not in the state the card is auth for use.

Because americans are holding the rest of us back by sticking to those medieval systems. I sometimes go to a webshop and find something I wanna buy, only to find out they're american and only accept credit card. with all those scummy tricks like automatic recurral. Most of the time I just sigh and close the site because I'm not putting up with such nonsense anymore and none of us here understand why americans are so content using an inferior system while you always brag about how great you are and how you'll oust those in power if they don't live up to expectations because your constitution provides for that

Here's an idea: check the bank records of my debit card. Literally the exact same information except they can see I even get my money ready in my account the moment before I spend it, meaning I'm even more punctual than a credit card payer

Because that's all that's sent for payment info on terminals.

rbc signature visa and the pc plus mastercard
i really only use the pc one though because free groceries is best

You can get awesome benefits with the rewards. I fly for free by just paying my bills which I could do with my bank card or my credit card.

Points are legit. You're just being dumb if you don't take advantage.

>Because that's all that's sent for payment info on terminals.

They would be getting credit card dumps to clone cards then wouldn't they?

>credit score
replace this term by what it actually is: your punctuality in paying debts

I don't need to spend my money through a credi card for them to see that I don't cheat money

The issue then is using the cloned card in slavistan.

I don't because we don't have those points and other bullshit, because we never saw the need to create a reward system out of nowhere to justify the use of redundant payment system designed to get people in trouble and that serves only the banks

okay dude i don't fucking know i didn't make the system

All we're saying is that there's no reason not to use credit cards at this point in time, you get free shit... JUST for paying as you would normally.

okay well for some reason they figured this is the way to do it. I don't know why, i'm not well-versed in credit risk shit

quora.com/What-are-some-good-introductory-readings-on-credit-risk

>I know all y'all are breaking site rules but there was a time you paid for your groceries with cheque.
I know, and I want to hit someone every time I see grandma at the checkout line holding everyone up by trying to relive those days

>The issue then is using the cloned card in slavistan.

It wouldn't be used in slavistan. It would be sold to Jamal and Demarcus to use in your state.

>you get free shit *in america
for the record

Sure we do. Look at amex. Free year, get a bunch of aeroplan points, cancel after free year. If you hustle your friends to sign up you get more points, and they get points and it costs no one anything but amex.

Just remember to cancel lol

Again, you don't have an address so you don't know where the card is from.

Wtf kind of backwards country do you live in? I bet amex had rewards.

I agree credit cards are bullshit, but I live in the real world.

You don't need one if they're cloning the card. Unless it's for some reason only usable in some state

he's not wrong

t.american

i have a TD visa infinite it's not very that great

fuck this shit country

>using a card
Enjoy having your account drained by hackers.
Cash does not have this problem.

But that's the issue at hand.

It seems pretty foolproof. Only enable the card to work in x place. Would cut down on tons of fraud.

So you'll give up all the benefits of using a credit card because you're too retarded to track your spending?

Yeah true but then what if the person travels a bit?

Also wouldn't they be able to track where the card got skimmed from, and know what state it is? Not very foolproof.

>What is fraud protection

It's not the customer's responsibility.

On the otherhand enjoy getting robbed by Dequan and his boyz for all your cash.

You let your bank know you are traveling for x amount of time.

>skimmed from, and know what state it is?

It's generally not.

>It's generally not.

If your plan was put into place it would be. And it definitely is, because people either physically install skimmers or use POS malware. And know exactly where it is. Your idea isn't that good.

>You let your bank know you are traveling for x amount of time.

"Yes hello [user's bank], my name is user I want to unblock my card please, back from my vacation early. It's unblocked? Great thanks so much".

And that's not what I mean - although i guess i typed it poorly, I meant what if the person travels to another state and needs to use it.

The seller knows. He does not tell the buyer that because it makes it easier for him to get caught.

>he forgets to tell his bank he is going to another state.

Then he calls them after it declines?

Would they? Idk how it works.

Dumps have address information don't they? Can they be used online?

who here nfc payments master race?

No. You don't give the buyer any info about yourself when selling illegal stuff.. Pretty basic.

>Dumps have address information don't they?

They can, generally don't.

>No. You don't give the buyer any info about yourself when selling illegal stuff.. Pretty basic.

but they list them by state bank and stuff...

Again, bank is fine because people do travel.

Hugely inconvenient. Especially if you're traveling (which is why having two credit cards is nice)

I mean getting your card stolen isn't fun.

Do European banks really not let people overdraw and then charge them a fee for "borrowing" the money.

I make sure to have this "feature" turned off of every account I open.

As an unemployed student I had €400 free overdraft, nbd.

It depends on the bank you have and when you pay it off. Most banks in the UK if you pay it in 48 hours nothing happens. After that it gets interest, not a fixed charge.
Fortunately I've never been in a position where this has happened. But interest can only be applied if you're 18 and over.

>free
>Literally handing over your purchase history to a megacorp.
Anyway...you can still earn rewards while in debt.

>money in cash, hidden under the bed
what's inflation?

They did it as a way to theoretically remove racial and gender bias. It's basically:
Yes he/she may be a bigger but they take debt on and pay it off when they're supposed to. As far as the other user is concerned. Credit scores exist so that the bank can be sure that it's going to get not only the principal on the loan but also it's interest payments since that's how banks make money.