Things that frustrate us all
- Thread starter rhubarbodendron
- Start date
Most people look at me strangely, except at farmers markets were the primary way people take payments is cash.
Make up your blasted minds, people! Cash isn't some outdated form of currency. It's ok to use it.
Make up your blasted minds, people! Cash isn't some outdated form of currency. It's ok to use it.
Disagree on the first point, agreed on the second.Cash isn't some outdated form of currency. It's ok to use it.
Cash, being a physical form of currency, is inherently obsolete, but it is still OK to use it when you have no other option.
What makes it obsolete?
It's a literal means of exchange that I see used all the time, especially in the smaller towns I live and work in.
Debit is fine, but saying cash is obsolete is just...bizarre to me. I'll still use it, especially when people tell me not to use it.
No.
If they are uncertain I show the math real quick.
Because it's simply more efficient to use a credit card.
Notice how I say credit. Not debit.
I only use a debit card to get cash from an ATM. Using one to actually make purchases is, IMHO, extremely unsafe. If hackers get ahold of your debit card, they can drain your account.
But when you use a credit card, it's simple. You tap and you're done. No change, no worries, no hassle. You lose your card, or there's a fraudulent charge? Dispute it with your bank, and you're not out one red cent. Need to do budgeting? Use your bank's website. (Although it can be argued that, with the rise of credit cards and online banking, the very concept of "balancing your checkbook" is also obsolete.) You have an iPhone? Store all your cards on it, and you don't even need to CARRY credit cards. Simple, logical, efficient.
And don't even get me started on
ing paper checks.
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No, it's easier.
Nope.
Been hacked too many times on too many sites. Do not trust them at all if I can help it. So, no credit for me, thank you, if I can help it. I'll use it as needed.
And finally, I don't need an institution's permission to spend my money. I should have it, have access to it, without hesitation.
Not in a long while. Since they phased out the penny 11 years ago, if I'm paying cash, they're supposed to round down to $8.50, then I give them the $10 and all is good.
Of course, I never pay with cash, so it's kinda moot, but in theory...
I have been to places here in Phoenix that do not take cash.
Here in Washington State, the King County Council passed an ordinance last year that requires all business to accept up to $200 in cash as payment on major transactions.
I also don't have/use credit cards. I carry cash and write checks to pay bills. That way I don't overspend.
I also don't have/use credit cards. I carry cash and write checks to pay bills. That way I don't overspend.
Trying to get those fucking petitioners off our property is like playing Whack-A-Mole.
These people have precisely zero shame.
lol, I just read that as pensioners
The latch on the glovebox in my car got broken (bloody little plastic thingy).Now the blasted thing keeps falling open.
Also the limited number of options for paying my car insurance.Not everyone has,or wants to have a credit/debit card.
In defence of insurance companies/brokers Car insurance is a really common method for money laundering.
Pay one day, cancel shortly after and get refunded by cheque's. Very easy to do. Obviously may not be the reason they won't accept but I would say there is a really good chance.
Attitudes have changed since covid to cash/card payments.
Many places during covid turned to card only and is understandable. The limit on contactless was increased substantially.
I know businesses are charged for card payments but they likely prefer that than handling lots of cash and the risks that come with that.
Before covid I'd always use cash for small payments but now will use my card for everything. Hardly ever use cash. Lots of bars etc now only take card.
have only recently got into using my phone but other than the novelty it seems more a faff than just using my card.
Personally I'd think any business who insist on cash only is a red flag and opens themselves up to a visit from the hmrc. If the hmrc actually had staff to do that of course.
Many places during covid turned to card only and is understandable. The limit on contactless was increased substantially.
I know businesses are charged for card payments but they likely prefer that than handling lots of cash and the risks that come with that.
Before covid I'd always use cash for small payments but now will use my card for everything. Hardly ever use cash. Lots of bars etc now only take card.
have only recently got into using my phone but other than the novelty it seems more a faff than just using my card.
Personally I'd think any business who insist on cash only is a red flag and opens themselves up to a visit from the hmrc. If the hmrc actually had staff to do that of course.
From the "It's not obsolete if people still use it" department:
arstechnica.com
German Navy still uses 8-inch floppy disks, working on emulating a replacement
Four Brandenburg-class F123 warships employ floppies for data-acquisition systems.
arstechnica.com
It's legal in the UK to refuse
If you take any joy, any joy at all, in what almost just happened to Donald Trump:
Congratulations, you're as bad as he is.
Congratulations, you're as bad as he is.
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I almost always use debit, that way I can just directly pay the store or where ever directly, and don't have to worry about having to deal with the credit card payments then.I only use a debit card to get cash from an ATM. Using one to actually make purchases is, IMHO, extremely unsafe. If hackers get ahold of your debit card, they can drain your account.
But when you use a credit card, it's simple. You tap and you're done. No change, no worries, no hassle. You lose your card, or there's a fraudulent charge? Dispute it with your bank, and you're not out one red cent. Need to do budgeting? Use your bank's website. (Although it can be argued that, with the rise of credit cards and online banking, the very concept of "balancing your checkbook" is also obsolete.) You have an iPhone? Store all your cards on it, and you don't even need to CARRY credit cards. Simple, logical, efficient.
And don't even get me started on
^ You're not worried about hackers getting ahold of your debit card?
If they do that, they can drain your bank account. You would be left with NOTHING. With a credit card, you can dispute the charges, and you're not out any money.
As for making credit card payments? It's not exactly rocket science. Keep track of what you've bought (which, with any decent bank, should be easy to do via their website or mobile app), and when the statement closes, you pay off the balance. Easy peasy.
If they do that, they can drain your bank account. You would be left with NOTHING. With a credit card, you can dispute the charges, and you're not out any money.
As for making credit card payments? It's not exactly rocket science. Keep track of what you've bought (which, with any decent bank, should be easy to do via their website or mobile app), and when the statement closes, you pay off the balance. Easy peasy.