Why dont we do this in America?

[Anonymous]

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haulingthescoreup wrote:
And will you shop there again?

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Hey everyone shops at this merchant.  I WILL shop there but on MY terms!!!!  lol!!  Besides it doesn' matter where you shop.  Give some people a cash register and they think they are gods.....lol!

[haulingthescoreup]

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@Anonymous wrote:

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haulingthescoreup wrote: And will you shop there again?

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Hey everyone shops at this merchant. I WILL shop there but on MY terms!!!! lol!! Besides it doesn' matter where you shop. Give some people a cash register and they think they are gods.....lol!

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I'll bet I know who you're talking about! That's fun, you can torture them with both the Target card AND the Discover!

[Anonymous]

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haulingthescoreup wrote:

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Brammy wrote:

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haulingthescoreup wrote: And will you shop there again?

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Hey everyone shops at this merchant. I WILL shop there but on MY terms!!!! lol!! Besides it doesn' matter where you shop. Give some people a cash register and they think they are gods.....lol!

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I'll bet I know who you're talking about! That's fun, you can torture them with both the Target card AND the Discover!

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The only reason I ddn't mention the name is because they are no longer acting like Nazis...LOL!!! 

[Anonymous]

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moonman wrote:
like those hilarious visa commercials-swipe-print-sign, any other action stops the flow.we in america like to live in the fast lane.

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I hate those commericals- they are incenuating if you don't pay w/ a CC you are a leper or something for stopping the flow

and to the other poster- yes, me too- I am not used to not even having to sign for under 25 dollars.

[Anonymous]

What exactly should I say to the gas station down the street that has a sign stating a $5 minimum CC purchase?

I rarely carry cash, and when I do I like to save it for emergencies.

[Anonymous]

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lohanck wrote:

What exactly should I say to the gas station down the street that has a sign stating a $5 minimum CC purchase?

I rarely carry cash, and when I do I like to save it for emergencies.

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They don't have the right to require a min purchase on anything you use your CC for. they do have the right to offer an upfront, plainly stated, discount for cash purchases.  You may have seen signs that show two different prices for cash and credit.  That being said, you can bring this up if you like.

[Anonymous]

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troylasvegas wrote:

In a perfect world our picture ID or Passport would internationally double as our entire rolodex of credit, bank debit, and legal history, automatically directing purchases to credit accounts with specific merchants, or debit our chosen bank account, based on preferences we set up each time we get approved for new credit, and certainly before ever going out shopping.  Exchange rate could easily account for the country and exact location through GPS.

Then they could simply set up an eye scanner, or thumb verification, and then perhaps we would not have to worry about someone stealing credit cards from the post office and signing their crooked signature, whilst spoofing, or simply breaking in and using your home phone to activate the card in the first place.

We could call it the Universal Identity Card, that controls the entire banking, credit, identity, photo, career, and business portfolio of each person.  With regular security, verification, and correspondence, this would ensure that all people are educated about the direct results of each financial decision and action, and how their choices on how to pay would directly impact their credit rating. 

We could also create one central credit bureau internationally, that includes utilities on our report as positive accounts.  The basic credit rule should be that if it can be a derog if unpaid, it has to start out actually showing as a paid as agreed.  When the credit system is balanced, people might start an education movement in earnest, and perhaps the system will include less people that give up on the system, and actually feel rewarded for their efforts from day one.  What baffles me is how you can have a collection for a past unpaid phone bill, but they never had to report your positive payments with them in the first place.  Seems awful one-sided and creates room for too much negativity, and kind of promotes the "who-cares" attitude people get with these kind of debts.

Consumer applications should count as soft or promotional inquiries, same as pulling ones own credit report or score.  The only need to record an inquiry is for consumer protection against companies, creditors, and organizations that pull without a signature or express authorization from said consumer.

Checking our reports and scores online daily should certainly not cost anything, and should come from one source.  Creditors pay for the fico scores, not consumers.  Let them battle with fico to decide what scores or scoring models are pertinent, but leave consumers out because they are the ones ultimately footing the bill through these ridiculous interest rates.

Just some thoughts.

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Ok- the very paranoid side of me says this is way too scary, creepy and George Orwellian.

There is a book written by a lady who wrote the "Handmaids Tale" - a very creepy books where only a couple hundred women in the "territory of the US"  are controlled by the govt. to have babies cuz they are the ones who are fertile- most of the women in the "US territory are infertile"- and in the story the first part of the govt. upheaval starts when they shut down the universities- and then, everyone has to pay everything w/ a CC- and it starts w/ "M" for men, and "W" for women, and one day the heroine in the story goes to buy some rationed items and her card is frozen-  and all over town all the womens cards are frozen...

really creepy but head turning book... I admire your insightfullness but absolutely no way in the world would I every want to see it go they way you described it...again, very insightful- but ugh.

[haulingthescoreup]

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@Anonymous wrote:

Ok- the very paranoid side of me says this is way too scary, creepy and George Orwellian.

There is a book written by a lady who wrote the "Handmaids Tale" - a very creepy books where only a couple hundred women in the "territory of the US" are controlled by the govt. to have babies cuz they are the ones who are fertile- most of the women in the "US territory are infertile"- and in the story the first part of the govt. upheaval starts when they shut down the universities- and then, everyone has to pay everything w/ a CC- and it starts w/ "M" for men, and "W" for women, and one day the heroine in the story goes to buy some rationed items and her card is frozen- and all over town all the womens cards are frozen...

really creepy but head turning book... I admire your insightfullness but absolutely no way in the world would I every want to see it go they way you described it...again, very insightful- but ugh.

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Whew, Margaret Atwood, right? I still have dreams about that book.

[Anonymous]

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Brammy wrote:

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lohanck wrote:

What exactly should I say to the gas station down the street that has a sign stating a $5 minimum CC purchase?

I rarely carry cash, and when I do I like to save it for emergencies.

---

They don't have the right to require a min purchase on anything you use your CC for. they do have the right to offer an upfront, plainly stated, discount for cash purchases.  You may have seen signs that show two different prices for cash and credit.  That being said, you can bring this up if you like.

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Brammy- can I ask you a question? What if my state university charged me  a "convienience fee" for having too pay tuition on three separate CC's cuz they didnt' take Amex and and I didn't have a CC w/ a high enough CL to charge 5900 all at once?

[Anonymous]

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haulingthescoreup wrote:

 

Whew, Margaret Atwood, right? I still have dreams about that book.

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Yepper! Isn't it one of those books that you are creeped out and fascinated at the same time that she thought of all that? And isn't just soooooooooooo creepy that  it could really happen the way she wrote about it?

Netp