• weremacaque@sh.itjust.works
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    2 days ago

    Stuff like this is going to make people mostly pay in cash and buy gift cards as needed. I already started buying most of my things in person anyway just to avoid paying for shipping. I’m seriously considering only buying steam games with gift cards I buy at the store and avoiding using my card as much as possible.

    • interdimensionalmeme@lemmy.ml
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      2 days ago

      Credit cards should be illegal they are tools of Molloch and everyone loses at least a little from their usage. Credit card payment charges should be itemized on the bill of any purchase and also rewards should be considered taxable income over 1000$/year

      • mojofrododojo@lemmy.world
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        1 day ago

        they are tools of Molloch

        dafuq

        Credit card payment charges should be itemized on the bill of any purchase and also rewards should be considered taxable income over 1000$/year

        I feel like we came to the same conclusions for very different reasons…

        • interdimensionalmeme@lemmy.ml
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          21 hours ago

          molloch is the personnified logic of someone doing something selfish for their personnal gain, but when everyone does it, everybody loses. In this case the belief that one can churn rewards and come out on top with using a credit card but the result is that ALL prices are jacked by 3%, nullifying any apparent rewards, at best you can claw back a little bit of this corporate tax. But here’s the kicker, if you don’t have a credit card, the price is also jacked, because credit card company do not allow passing the fee to end customer. So non-credit card user, still pay the 3% tax, it just gets pocketed by the vendor. I cannot overstate how evil credit card company are. When I am Earth dictator, all credit card employees will spend time getting acquainted with a brick wall

          • Passerby6497@lemmy.world
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            2 hours ago

            But here’s the kicker, if you don’t have a credit card, the price is also jacked, because credit card company do not allow passing the fee to end customer.

            Tell that to every business that charges a 3% service fee on all card payments, because that’s happening whether or not they allow it.

            • interdimensionalmeme@lemmy.ml
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              32 minutes ago

              I’ve never seen a place that charges you a fee only if you pay with a credit card. The credit card company rules say you can’t do that and they’ll threaten you vendor status the same way they threatened Valve and Itch.io.

          • mojofrododojo@lemmy.world
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            16 hours ago

            molloch is the personnified logic of someone doing something selfish for their personnal gain, but when everyone does it, everybody loses

            uh huh. but why? why express it in biblical fluffery, when it’s faster (and clearer) to just say the greedy selfish bastards?

            When I am Earth dictator, all credit card employees will spend time getting acquainted with a brick wall

            if it means the greedies get shot before me I can accept this.

            • interdimensionalmeme@lemmy.ml
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              10 hours ago

              Everyone is selfish, molloch isn’t real,
              it’s a thinking pattern that everyone is subject to
              my friends admitted to using credit cards because
              “at least they get rewards”
              by personifying the behaviour pattern
              you can demonize it
              without calling your friends “greedy selfish bastards”
              It is much easier to see it and understanding
              that way than if you’re being attacked
              and then become defensive about it

              • mojofrododojo@lemmy.world
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                9 hours ago

                the point of communication is the exchange of ideas.

                packaging those ideas in incomprehensible biblical fluffery is counterintuitive if you’re goal is communication.

                but ok, whatever, have a good one

      • interdimensionalmeme@lemmy.ml
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        1 day ago

        You do understand that since vendors are not allowed
        on risk of credit excommunication, pass the transaction fee to the vendor
        It forces the vendor to put that fee in the base price.
        Everyone pays the transaction fee
        But what if you pay debit ?
        you don’t even get cashback rewards
        but you STILL pay that increased price,
        On everything you buy
        everyone without a credit card still pays a 3% tax

        Credit cards are profoundly immoral