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Darren New wrote:
> I always liked the ads that come with those checks: "Cash some in and
> spend it on fun stuff, or pay off bills, or just put it in the bank for
> a rainy day!" Yeah, right.
If you bring it to our bank, we'll ask you to take it somewhere else :)
Of the three banks I've worked at, two of them wouldn't ever accept a
CC check.
...Chambers
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Darren New wrote:
> Jim Henderson wrote:
>> Well, with the debit card, you've got a PIN associated with it, so I
>> don't quite understand the issue there.
>
> Not the ones that work just like a credit card, AFAIK. In any case, the
> legal system distinguishes. If someone's going to steal money, I want
> it to be the bank's money, with them proving I owe it to them, rather
> than my money, with me proving to the bank they need to give it back.
>
Just for the record, I help people with fraudulent use all the time, and
at least the bank I work at is pretty good about giving people
provisional credit*. They'll usually get it in less than 48 hours.
*That is, we assume that when you fill out a fraud report you're telling
the truth, so we deposit the missing money to your account. Once we've
finished our investigation, we either take the money back from you (if
you were just trying to work the system), or pursue it from the
criminals (if you were telling the truth). In practice, the system
works rather well. The only people I've ever heard complain about it
are the ones we proved were lying about the fraud.
...Chambers
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Chambers wrote:
> If you bring it to our bank, we'll ask you to take it somewhere else :)
> Of the three banks I've worked at, two of them wouldn't ever accept a
> CC check.
No, of course not. For the same reason I won't accept a debit card from
a bank that looks like a credit card. :-)
They're SOL if they take the "check" and then you reverse the charges.
--
Darren New / San Diego, CA, USA (PST)
Ever notice how people in a zombie movie never already know how to
kill zombies? Ask 100 random people in America how to kill someone
who has reanimated from the dead in a secret viral weapons lab,
and how many do you think already know you need a head-shot?
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On Fri, 08 Aug 2008 11:03:58 -0700, Chambers wrote:
> Jim Henderson wrote:
>> So, for example, on one of my Discover cards (don't ask - long story),
>> I've got a 0% transfer rate, but I have to use the card twice a month
>> to keep the 0% rate on what was transferred. But I get hit at
>> something like 14% on those two usages, and those two usages continue
>> to accrue interest until the 0% amount is paid off.
>
> I'd recommend you check with a local Credit Union about getting a new
> card; those terms are horrible.
>
> Alternatively, if you live in WA, OR, ID or CA you can get a card at
> Sterling Savings Bank with pretty good terms, as well.
Oh, I've got terms on other cards that are better. We've more or less
decided to transfer the balance when the next good offer comes along.
Jim
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St. wrote:
> I hope they never get rid of cash
I hope they *do*! At least, I think we should do away with paper
currency. Use coins if you need to carry something around, but anything
more than a few dollars should be electronic.
Of course, I also think commercial banks and the Federal Reserve should
run 24/7 (and yes, I'm willing to work odd shifts due to that
scheduling). But for some reason, Bernanke hasn't called to ask my
advice yet, so they're still on the 9-5 business day...
...Chambers
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Chambers wrote:
> I hope they *do*! At least, I think we should do away with paper
> currency.
Why? So that you can be an Enemy Combatant and completely dicked over
by the government without even the slightest chance of being able to
hire a lawyer after?
--
Darren New / San Diego, CA, USA (PST)
Ever notice how people in a zombie movie never already know how to
kill zombies? Ask 100 random people in America how to kill someone
who has reanimated from the dead in a secret viral weapons lab,
and how many do you think already know you need a head-shot?
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Darren New wrote:
> Depends how much you make, too, I guess. I'm pretty conservative with
> savings.
I'm having trouble parsing that...<G>
--
Aibohphobia: Fear of palindromes.
/\ /\ /\ /
/ \/ \ u e e n / \/ a w a z
>>>>>>mue### [at] nawaz org<<<<<<
anl
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Darren New wrote:
> Chambers wrote:
>> I hope they *do*! At least, I think we should do away with paper
>> currency.
>
> Why? So that you can be an Enemy Combatant and completely dicked over
> by the government without even the slightest chance of being able to
> hire a lawyer after?
>
No, because paper money is filthy. Have you any idea the sheer number
of germs that are transmitted with paper money? Coins are much cleaner.
Besides, one of the purposes of government is to protect property. If
they were really as malicious as you're afraid of them being, the
revolution would come.
...Chambers
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Chambers wrote:
> No, because paper money is filthy.
Well, there is that. That's why I wash my hands after handling it.
> Besides, one of the purposes of government is to protect property.
Only some governments.
> If
> they were really as malicious as you're afraid of them being, the
> revolution would come.
Sure, just like Zimbabwe, right? Or (Godwin forbid) the victims of the
Holocaust who were clearly defended by the uprising of the majority of
the people involved at the time. (I.e., history suggests you're wrong.)
You only get the revolution if enough people with power are actually
getting screwed over. If you keep it down to maybe 5% of the population,
or keep it up to 95% of the population, you don't really get a very good
revolution.
But if you want to, say, shut up anyone who suggests that the government
could be improved by getting rid of the people currently in charge,
being able to take all their money away as well as track everyone who
ever gives them any money at all, well that's certainly a bonus.
--
Darren New / San Diego, CA, USA (PST)
Ever notice how people in a zombie movie never already know how to
kill zombies? Ask 100 random people in America how to kill someone
who has reanimated from the dead in a secret viral weapons lab,
and how many do you think already know you need a head-shot?
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Darren New wrote:
> But if you want to, say, shut up anyone who suggests that the government
> could be improved by getting rid of the people currently in charge,
> being able to take all their money away as well as track everyone who
> ever gives them any money at all, well that's certainly a bonus.
Money is an imaginary concept anyway. Do you really think that you
physically have all the money in your bank account? It already exists
solely in the form of a number in a computer somewhere (well, ok, a
number in *several* computers, thanks to redundancy :) ), so what's the
difference between the 1% of your net worth you carry with you being
cash versus some form of electronic payment?
...Chambers
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