Thread 715613327

>He have to use these to buy Video games
You can buy video games without these duopoly crap.

You mean if I redeem prepaid gift cards?

>>715613385
Did you got online wallet there ? Use those to buy video games.

>>715613327 (OP)
>>715613517
SAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAR

In my 38 years of life, i have never use Credit Card to buy anything (yes, thats include online stuff). And im fucking happy with it

>>715613327 (OP)
>NOOOOOOOOOO NOT THE HECKIN FURRY DIAPER SIM

good riddance degenerate

>>715613327 (OP)
i just drive down to valve HQ and hand them cash and they put the games right into my steam account.

>>715613661
So what games youre playing ? Im being serious. Lets hear it

>>715613601
Same but I ran into problems when I wanted a mortgage or even just the option to buy a car in payments. Had to buy a car in lump sum payment and my region has bad public transport.

>>715613601
>Sees visa and MasterCard
>Thinks credit cards instead of payment processing

>>715613327 (OP)
Seethe more. Have moral standards. Get offline.

>>715613327 (OP)
i know
i do

>>715613779
You just trolling using gay or private ecker. I literally used it too. Post your shitty wojak edit. Thanks for bumping at least.

>>715613820
You can do that without using a credit card. If you have Debit card you can buy everything with those. Or just go to your local bank and make payments there.

>>715614116
I think he is talking about credit.

>>715614216
I think nowadays you can do that without credit card

I'm an American Express Platinum holder.

>>715613327 (OP)
China will liberate us

>>715615296
China literally does a BL purge lately

>>715613327 (OP)
How long until Steam accepts monero?

Why you people are so afraid of this ?

>>715613878
>live in Europe
>has IBAN
Visa and MC can't eat a bag of dicks

>>715615764
in my country every bank ATM work for every bank because people are so simple and dumb that implement different card for every business was impossible.

>>715615686
when it gets widely adopted so never
the issue here is that mastercard will still dictate the rules as crypto would always remain only a tiny part of all payments

and crypto payment cards still rely on mc/visa

>>715615940
>live in Europe
Yeah about that..... good luck getting doxxed for seeing girls with flat chests....

>>715613327 (OP)
I love I'm Brasil and don't use this, we have our glorious PIX, blessed to be living in a free country

>>715616082
its locan only and you dont produce anything and have on tech companies so you still rely on the global pay processors

>>715614116
but when i use a credit card i pay the same amount but the credit card company gives me 1% cash back

>>715613327 (OP)
isnt this the centralized future that crypto is supposed to protect us from?

>>715616037
I guess gooners may need their own crypto-based video game platform.

people think they're smart to not use credit cards and only pay cash but it actually just demonstrates their lack of self-control and personal responsibility. it suggests the crippling, denied, repressed awareness that they would ruin their lives if extended a line of credit larger than their monthly income.

>>715615764
americans cant have atms for...obvious reasons

>>715616668
Why ? 'rona already over like 4 years ago

>>715613327 (OP)
steam literally won't let me pay any other way in my thirdie shithole

>>715616760
I bet your local online shops Sells Steam wallets

>>715616635
i hate credit cards because they're just a useless abstraction and obfuscation over money.
And then society forces you into their legal racketeering by requiring one for basic access to societal things.
credit cards do not serve a useful purpose.

>>715616067
you're thinking of Australia

>>715613385
SIRS
>>715613579
lmeo

>>715616845
nothing requires a credit card though, you just need a bank account for your paychecks and you can pay with everything with a debit card/cash
>but loans
thats what credit is

>>715616905
Check the latest post on /v/ EU are trying an app to verify with your face to see porn

>>715616959
>but loans
not him but i never take any loans. And damn it, dont EVER try to use those "Buy now, Pay Later" systems

>>715616827
they sell gift cards at x4 mark-up

>>715617170
Lol that scummy. We have Shoppe here and they sell it with very low merchant price

>>715616635
no, it means i only use the money i own instead of imaginary money i don't have
i have a credit card and i just don't use it because the idea of using money i don't have is gay and retarded

>>715616959
>nothing requires a credit card though
you need a credit score to rent an apartment, or get a mortgage, and many jobs will reject you without one.

>>715617373
LAND OF THE FREEEEEEEEEEE (*)

>>715615940
Anon are you claiming that in 2025 you do all your purchases with cash or direct money transfers and that you don't use your banks card that you have at all beyond getting more cash from ATMs?

>>715617670
correct

>>715617373
>get a mortgage
pay for your house in cash then

>>715617775
sure anon, let me go get 500k in cash real quick, and then spend a year explaining i just want to buy a house in cash

>>715617068
there's no law in eu that prevents you from seeing flat chested chicks

>>715613885
The woke are unironically more obsessed with morality then you are. It's why they are woke. Jihadists are the most moral people on the planet.

Piss on morals. Moral people can't mentally model the immoral. The right started winning the moment it abandoned and the left embraced puritanism. Fuck that shit. If it works, it works and might makes right. Only a retard would advocate any different.

>>715613327 (OP)
Stop trying to buy content that sexualizes minors, Epstein. You're supposed to be dead.

>>715617885
"I collected it with hard earned work (drawing gay loli furry)"
Done, simple. Enjoy your new house !

>>715614116
What's the point of using a debit card but not a credit card? Either way your purchases and behavior get tracked. I had assumed you were a cashchad at first but it turns out you're jjust another creditcuck.

>>715616845
>they're just a useless abstraction and obfuscation over money
no they're not, it's a service, it's priced based on the time value of money, and if you pay it before due that price is actually negative, ie they pay you to use money by offering % cash back on most purchases.
just think about it. when you borrow money, you have to pay interest because you're compensating the lender for taking on the risk of parting with their money for a period of time.
with a credit card, the lender takes on the risk to loan you the amount you spend - the lender is a payment processor/bank who makes money on the transaction itsself - and if you pay them back on time, they actually cut you in on that profit by returning some of the money you spent back to you. because the time value of money is so much greater than its present value that there's actually more money left over than what you spent originally.

>>715615024
>You can take out a line of credit without taking out a line of credit

???

>>715617706
kek my fault to phrasy that in a way that left room for retards just respond with "yep" when obviously anon just doesn't understandstand payment processing lmao.

>>715615686
They could use the coinbase thingy that accepts a bunch of coins

>>715616708
Niggers.

>>715613327 (OP)
You get added to FBI watchlists when you pay with crypto bruv.
If they're enforcing laws via credit card companies, there's probably a reason for it, and all we can do is accept it or get ourselves in trouble down the line.

my thirdworld shithole literally moved away from debit cards with mobile banking
the only reason to use card is for credit cards
i dont even need a card to withdrawn from ATM here

>>715618125
No one give a shit about what you buy

>>715615296
Been wondering why something like this hasn't happened yet.

Why can't Chinese pay with Alipay in USA and vice versa? What's stopping us from creating a neutral universal groundwork and communication system?

>>715618747
You're already on an FBI watch list by posting here.

>>715618254
you dropped this

>>715619091
it wouldn't take off because china bad. remember how we banned some of their smart phones from US sale and are trying to get rid of tik-tok?

>>715619794
you: afraid of little hat man
me: getting more goods and services for less money and dumping the associated costs on (You)

>>715616082
Orangeman just threw a hissy fit about it today.

>>715616360
A few countries already accept it, albeit it's mostly for tourists.

>>715613327 (OP)
Doesn't matter, they will force their agenda on the whole platform.

>>715613327 (OP)
I use those to purchase a lot fucking more than video games...

>>715620408
Stop using credit card you damn addict

Buying gas with credit cards is just more functional. I don't want to have to guess how much gas I intend to put in my tank and provide enough cash to pay for it up front. Using a card just charges me exactly what I filled my tank up with and I never need to go into the store. If you use cash you have to go inside, ask to fill up your tank with as much cash as you have on hand, go back out and fill up your tank, then go back inside and get refunded the difference.

>>715620690
In my place they use attendant in every gas station so Cash is easier

What's the point of making the west into ultra gay surveillance states while pushing for war and protecting the elite paedo class?

>>715615764
They charge fees when you take your money out.

>>715621089
Its like less than $1, Still better than supporting VISA and Mastercard jews

>>715613327 (OP)
don't care, all china's fault

>>715620937
Sounds like you live in Rhode Island.

>>715621089
not if you use the actual bank ones in a first world nation

>>715613327 (OP)
Or go to the store and buy gift cards.

>>715613327 (OP)
>He have
>>715613517
>Did you got

>>715613327 (OP)
This is my answer to Visarel and Masterjew.

>>715620041
>and are trying to get rid of tik-tok?
trump's in the pocket of china for that because he not only refuses to enforce the ban, he told any ISP to ignore any court order and he wouldn't prosecute them.

>>715613327 (OP)
Underage faggots ITT saying "nothing of value was lost" don't understand precedent. If armed troopers broke into your house and stole your trash, would you shrug it off because you only lost trash or would you be pissed off at the idea that armed troopers can break into your house with impunity?

>tfw my bank cc went from MasterCard to visa when the bank got bought out by a bigger chain
Literally nerfed my credit card

>>715621604
Im not american. so ?

>>715613601
Thank you for subsidizing my credit card rewards

>>715621673
the average burger would just bend over and ask for seconds

Fellas, what's the best way to fix your credit? I never went into crazy debt or anything, I fucked up on one tiny 500$ limit credit card when I was 18 and haven't had one since, other than thats its just been the odd late phone bill or something but my credit is still shit because i never built it

>>715621821
Stop using credits

>>715613327 (OP)
Real talk but why are Visa and Mastercard literally the only options out there?
Why hasn't Company McChucklefuck just popped up and created their own card alternative yet?

>>715613327 (OP)
JBC is hard to make... and Alipay is chink.
making a new payment service is hard... I think Sony try to make one right now. (and I think Elon also plan to do that with twitter)

>>715613327 (OP)
This weird pearl clutching that has gone into overdrive over the past 5 years about how "porn addiction" is some big problem (it isnt) and how we have to protect the kids from it instead of calling out shit parents is so fucking dumb. It's insane how the same niggas who think that illegal immigrants Muslims would invade and force sharia law think it's ok for the government to enforce penis inspection on my cock by forcing my to take a picture of it next to my state ID just to make sure I'm not a minor or something. All just to see nearly the same amount of tits and ass that a 13 year old can find on twitch without an account, and without having their fucking ID in a database ready for breaching

>>715621942
Other CC than Visa and Mastercard exists
Crypto exists
ATM transfers (Via SWIFT) also exists

>>715620690
Americans have never heard of debit cards I see

>>715622030
Steam doesn't take crypto and Fat Gayben had plenty of time to implement this. We need another storefront

>>715621942
the threat of the US military

>>715615971
Is that supposed to be a bad thing?
Did you not see the literal row of ATMs in that pic?

>>715622030
>Other CC than Visa and Mastercard exists
Yet nobody uses or even knows about them. I mean I sure as fuck haven't heard of an alternative.

>>715613327 (OP)
Nothing is stopping you from paying with cash by shipping it to the devs or doing a direct transfer.
VISA and Mastercard just makes it easier to pay, so you are just using their services. If you don't like it, then don't use it, or make your own payment method.

You cannot force companies to do as you will. Payment processors don't want to support something, then they don't. Storefronts don't want to sell specific products, then they don't.
Should we force your store to sell specific stuff you don't want to?

>>715622257
Steam Gift cards also exists. Just walk my nigger

>>715621942
"Everyone is a friend or partner. No one is a competitor."

>>715613327 (OP)
>solves censorship and anonymity issues
Why haven't storefronts adopted this?

I don't even remember last time that I ever used a CC to pay something.

>>715622329
We need to sacrifice convenience for true freedom. Fuck Visa. Fuck Mastercard

>>715621821
The best thing that happened to my credit was going into $11k of credit card debt, paying it all off with a personal loan from my bank and then paying them off over 2 years. Credit shot from the mid 600s to high 700s. The main thing is never missing payments. Don't recommend, but it's an idea. That pc is probably long overdue for an upgrade, right anon? :^)

>>715622150
Bank of America does issue Debit Cards, but it's still connected to its payment processor, just considered lower risks than credit cards

>>715622414
For me its Shopeepay

>>715615296
>a payment processor hosted in a country where porn is illegal will save us

>>715621942
>Real talk but why are Visa and Mastercard literally the only options out there?

I use my Venmo account since my disposable income comes from commissions.

>>715613327 (OP)
what is the likeliehood that fucking with gamers will result in actual legislation being brought against CC companies?

>>715622150
I keep getting warned that debit cards offer less fraud protection but I don't necessarily believe it.

Using a credit card gets me cash back and provides me a good week-to-week spend tracker since I don't ever carry balances on them for long periods of time (minus any big-ticket purchases).

>>715613327 (OP)
WE NEED AN ALTERNATIVE!!!

>>715622354
I see your point, but Steam is still removing those games because the Scholz and Schwabs at Visa/MasterCard are still throwing a fit, regardless if I buy Steam Gift Cards or not.

>>715622619
Shame Gaben dont have a balls to remove VISA and Mastercard. Imagine if he had one.

>>715622150
We have debit, but the banks usually stop issuing them when you graduate to a credit card unless you specifically ask to still receive one. You usually need to go to a physical bank as well, no online application.
Debit cards are kind of superfluous once you have a credit card anyways, visa and mastercard are the main processors for both.

>>715621942
They're just the biggest payment processors out there. There are tons of others. But using them for international trade usually requires them to go through some JewSA verification system. And even if you ignore that and someone somehow comes up with a new global payment system, no vendor will want to drop Visa and Mastercard simply because you have a gorillion people using them. Slightly inconveniencing them means line doesn't go up. That's bad.

I use blik.

Qris is superior. this shit is a magic payment processor.
VISA and Mastercard can't compete at all in retail market against this payment scheme
QR code is simply too convenient.

>just don't use then bro
>Literally billions of people use them

>>715622727
Maybe he had balls 20 years ago. But now hes too fat and old. Not sure why everyone keeps sucking his dick. He hasn't made a single good game lately

>>715622728
>You usually need to go to a physical bank as well, no online application.
Is this really a problem in the USA?

>>715622803
>scan qr code on camera app
>money stolen

>>715622852
Nobody wants to deal with shitty bank, this not an American problem. Stop being obess

>>715617706
Based. Me, I don't declare half the money I earn so I always go around with a fat wad of cash.

>>715622919
just be careful bro.
also set a limit to your payment

Why are third worlders so deathly afraid of credit cards?

>>715622803
visa has a mobile app that utilizes QR like literally every other payment processor

>>715622728
That is fucking psychotic. I've never heard this about america until now. So the banks try and force you to constanty use borrowed money instead of your own funds?

>>715622852
It can be, I live in the meth capital of California and my nearest branch is an hour drive away.

>>715622986
debt = bad

>>715622986
shalom

>>715622504
Steam also accepts boleto bancario, but this is a massive hassle and take few hours or a day to process payment, and forget weekends and holidays.

>>715622803
>>715622504
>>715622414
Non-finance anon here, are these local transaction service in your respective countries? Using these means the money don't get shuffled through VISA/Payment payment processor and just direct account-to-account within your country or is it still going through your bank's internal payment processor?
If it's still through an internal processor, then what happens when that bank also blocks smut media?

>>715621942
A hitman only costs $100 000.

>>715622986
we already have gambling problem even without credit card. We'll collapse if we rely on it

>>715621942
I might be retarded, but does applepay and samsungpay use mastercard in their back end or is it their own thing?

>>715622986
third worlder here, most normalfags abuse the shit out of credit cards here and go into eternal retarded debt death spirals

>>715621942
Visa/Mastercard put pressure on banks which use alternatives.

>>715623123
I dont link my Bank to my online wallet. I filled them manually using good old ATM transfers. I buy tenga using my online wallet.

>>715623007
Pretty much yea, it's also not uncommon for them to assign a monthly fee to debit accounts as well.

>>715615296
This is the sort of stuff Trump is protecting America from, because Visa and Mastercard are American institutions and require our loyalty

>>715623123
we have tons of P2P payment processors (online wallet)
you transfer your money from your bank to your online wallet, then you pay whatever with QR codes anywhere.

>>715623252
You can use it but its not mandatory

>>715621942
A lot of JP stuff still takes American Express through paypal or directly, from what I've experienced.
For some reason online book/manga purchases are an absolute fucking bitch to buy anything from outside of Japan, way more than explicit material.

Explain how censorship is bad without sounding like a gay pedophile

>>715623413
less freedom is bad

>>715623007
never heard of it either and i'm in the US
my bank has never pushed anything on me one way or the other
most people here under 70 choose not to use debit cards because:
>lose debit card (or it's stolen)
>money gone
>lose credit card (or it's stolen)
>CC company just cancels all transactions
I actually make a little money using my CC. I earn points just by buying things with it that balances out to put me in the black. It costs less for me to use a CC than cash.
I'm never "in debt" any more than I am for any other monthly bill like water or electricity. I pay my bill and that's it.

>>715623283
Online wallet?

>>715623413
Explain why you think the same governments and megacorps that just mandated experimental gene therapy and that engage in child rape themselves have our best interests at heart

>>715623123
https://en.wikipedia.org/wiki/Pix_(payment_system)

Pix is handled by banco central, which is goberment bank, and is the only middleman as they are in charge of infrastructure.

Aside that, it's direct bank transfer, no fees or anything.

>>715623571
Holy fuck the Super United States of The Great America dont know what Online Wallet is ???

>>715623402
I guess I could get an Amex card again, but I feel like its only a matter of time before some fat roastie becomes a high level C suite executive at Amex and decides to ban porn too?

>>715618254
>price is actually negative
Any happy merchant can easily tell you something that's free isn't a deal. Not that they'd tell you

>>715615296
>running straight into the arms of another censor
I hate you retards.

for me it's cash

>>715623123
The brazilian anon mentioning Pix is cucked, Pix is just another type of transfer between banks and online wallets, even worse since every data is sent directly to the brazilian's IRS servers.
>>715623646
There is a company managing that online wallet, and just like banks they decide whether you can or not use your money to buy your loli doujinshi.

>>715623646
I know about Google Wallet, for example, balance transfer is P2P but buying from its store is still routed through VISA/MasterCard depending on the linked card? Correct me if I'm wrong, though.

every single 3rd world country (vietnam, malay, indonesia, pinoy, india, etc etc) has its own payment processors, but first worlds like Japan only have Visa and MC and bow down to them for some reason. absolute retardation.

>>715623646
I only know about it because I saw a news article about the EU eventually using it as id verification for that dumb age varification/antiporn law they just passed.

>>715623805
Japan has JCB

>>715623413
Censorship needs to be imposed, and only those who have power over others can impose things. Therefore, censorship allows those who have power over you to control what kind of information you can and cannot access. Your only option, in this case, is to hope that the censor is benevolent towards you.
In other words, if you don't care about censorship, you are a submissive cuckold who doesn't mind leaving your decisions in the hands of those above you.

>>715623482
you can deactivate debit cards very easily
also you can just get a new one because the debit card is just a way to pay with your bank account's money, you don't lose the money if you lose the debit card since the account still is intact, only way you lose money is that the debit card gets stolen and instead of immediately deactivating it you just let the guy that stole it use it

>>715622986
Because third worlders are retarded and poor as fuck for a reason. They have no self control nor any sense of self responsibility that would make them set limits for themselves. That's why they have their nanny governments do it for them. They cannot be trusted with credit cards.

>>715623482
I've lost my debit card multiple times. The bank will comp you if someone uses your card after you lost it. It's also very easy to cancel the card via internet or phone. The bitch part it is waiting a week for the new card to show up. I don't use a credit card.

>>715623751
A surprising number of places refuse cash nowadays. I can't even pay my income taxes with cash here in leafland

>>715623805
Visa and MC see first-world countries as worth investing into because those people have significant income and can be expected to pay their bills. The guys mining sulfur in Indonesia take cash from their boss and then spend it immediately on things like food, alcohol and gambling. They do not have savings. They have no need for a credit card. All a credit card in the 3rd world amounts to is "ooh, free money". Because what is visa going to do to get their money back? Take his flip flops and empty beer cans?

>>715624031
Is that why most citizens of the USA live paycheck to paycheck?

>>715623670
Who knows. For now it works, and some places like DL Site have done really obvious workarounds that the credit card companies don't seem to give a shit about.
Ideally JCB would start doing cards worldwide again instead of just for Asia, or a new company from Japan that doesn't give a fuck.

>>715624165
>literally refusing your money

That should be illegal

>>715613779
So he’s a variant of gapejak? Interesting.

I'm still waiting for DLsite and DMM to start accepting UnionPay
I'd even get a custom pink Nobeta card to celebrate

So to anons suggesting internal payment processors made by X country, aren't you still at the mercy of whoever is managing that payment processor, exactly like VISA/MC?

>>715624205
barely 25% of the US has no savings and that's accounting for a population that is 13% nigger and 20% spic

I believe that anyone who publicly defends the right of an intermediary to block a legal transaction between two parties because of interests that have nothing to do with the parties actually doing business should be imprisoned in concentration camps and anally raped every day until they finally agree to suffer a collective bukkake televised to the entire world.

>>715623751
I'm okay with going back to mailing cash directly to people again
even internationally it's maybe an extra two dollars

>>715623676
well i can see you've made your choices already.

>>715624451
How do you make sure you will get the goods after sending your money?

>>715624205
This is why you're retarded and uninformed. You are brown.

>>715624614
Jeez, calm down, you didn't need use ad hominem, buddy.

>>715624417
but if the intermediary is responsible for securing the transaction, then things of interest to the intermediary are of interest to the transactors by default, because if it is no longer safe for the intermediary to operate they won't be able to transact anymore. so you're imagining someone to defend a case that's logically impossible. and then you're imagining that person getting raped.

>>715623476
>Less freedom... To be a gay pedophile with an EPI fetish
LMAO. Also
>trannycase
>>715623584
It will be us censoring things now. Back in the Renaissance censorship laws were brutal. You couldn't talk shit about the Pope, about the church or about the government and yet they gave us some of the most beautiful masterpieces in the history of art: the Human Spirit of these artists was intact, away from degeneration and sin. Pornography censorship will be the first step to recover this spirit now lost in the younger generations. Hopefully they'll be better than us

>>715613327 (OP)
just don't be a disgusting lolicon

>>715624735
>but if the intermediary is responsible for securing the transaction, then things of interest to the intermediary are of interest to the transactors by default
why can't they treat it like a black box with various price tags on it?

>>715624205
Most of the world lives paycheck to paycheck.

>>715613601
You’re gypping yourself if you don’t buy groceries and gas with credit cards. You should be budgeting for those anyway, there’s no reason not to so you can take advantage of cash back plus improve your credit score.

>>715622150
They are said to be not as secure, and paying with a debit card just feels weird. Something about paying with a card that directly withdraws money from your bank account to pay for a burrito seems wrong
There is also a reassuring feeling of, "ah at least I do not have to pay the bill for this just yet."

>>715624751
Oh so you are one of those naturally inclined towards the authoritarian mindset where you believe deep down that "my moral rules are objectively superior and good to society". Got it, people like you are impossible to reach an agreement. I can only hope most are not like you, but unfortunately it doesn't seem to be the case.

>>715622919
You can set payment limit but also need put personal info for transfer.

Biggest issue is getting your phone stolen or being kidnapped and forced to do transfers.

>>715624895
Its not that debt cards are less secure, but disputing a payment with a credit card is usually less of a hassle than disputing a withdrawal from the bank's fraud department or whatever.

>>715624578
good question, but I've never had to
every time I've paid by mail it just worked out but I guess mutual trust is at a premium now

>>715624165
Fuck off from that place asap

>>715625052
The world is not what it used to be, anon.

>>715617885
if you have the cash no one gives a single shit why you want a thing. what are you talking about?

>>715624373
Yes, you will always be dependent on the decisions of others when you're making exchanges with an intermediary. But there are nuances.
For example, if the intermediary is an authoritarian or fundamentalist government, it would probably be worse than Visa and Mastercard, since transaction blocks would become basically arbitrary and unpredictable.
A more open government would probably be less bad, since it couldn't block any kind of legal transaction. Keep in mind that Mastercard can block anything it sees as harmful to its business and interests. So, let's say you have a company that is offering a service that has the potential to free people from Mastercard. This company can simply blacklist you and force you to be left with basically no monetization options. It doesn't matter if what you were doing was legal, Mastercard no longer wants to work with you, and you are basically left with no viable options.
An open and democratic government could not, in theory, do something like that. But we know that utopia does not exist. A system operated by the US government, for example, would 100% certainly block some transactions considered "anti-Semitic", for example...

>>715623065
And yet third worlders rack up the most debt out of anyone when they come to formerly white nations

>>715624828
because of counterparty risk. when you use a payment processor to transact with another party, you're using a service that insulates you from the need to carry 100s/1000s of dollars on your person, exposing you to risk (robbery, etc). the payment processor can circumvent this by crediting the vendor while your tender is still in your bank. that credit, represents the same risk you're avoiding, now born by the processor: if your bank goes under before these transactions clear, the processor is on the hook for the value of the transaction - it would be a cost to their business above their normal expenses, just like how a robbery would be a cost to you above your normal living expenses. businesses whose services you want have a right to defend their operation against such costs just like you have a right to defend yourself from robbery, by using credit cards.

Why would I not want to use a credit card?

>>715621942
Pretty sure it costs a tons of money and infrastructure to setup a processor that reaches the speed and efficiency that VISA and MasterCard have been doing. Its the same reason why Crypto isn't that great of a system for real casual transactions because of the time it takes to complete.

>>715625050
Well it is less secure, because if someone steals your debit card information and purchases 10k of shit, that is money out of the bank and the burden of proof falls on the bank and customer that there was fraud. When using a credit card, the burden of proof falls to the vendor to prove there wasn't fraud

>>715615764
Those are demonic

>>715625281
>Yes, you will always be dependent on the decisions of others when you're making exchanges with an intermediary.
That's not necessarily correct, in fact crypto was created precisely to change this paradigm. There are multiple potential issues with it but nowadays you can't just say that there are no viable ways of doing currency transactions without an intermediary.

>>715625482
>ripping apart two vending machines for what was probably like 4000 yen in change at most
why?

>>715625410
Bro crypto is fine. Literlly only og btc has this problem but no ones knows bdcause no one uses crypto for payments.

>>715625605
its free

>>715625605
Those machines said the N word

>>715625306
>>715625281
I see. I see.

>>715613601
>-1500 social credits for this post

>>715625541
>crypto was created precisely to change this paradigm
it's just a different way of distributing risk, you literally can't evade this. if someone starts drone striking miners you're at their mercy.

we'll never be free until we can buy games with monero

>>715613327 (OP)
Drug dealers can no longer buy video games because they deal strictly with cash

>>715625541
Every coin is still managed by someone somewhere that could arbitrarily block shit

>>715613601
You are making poor financial decisions by not playing the meta game of credit cards. It's so easy to build credit and get free money with cashback using credit cards as long as you aren't a turbo retard and you actually pay them back or prepay so you don't spend money you don't have and don't get cards with shitty contracts.

>>715625760
this is why I'm a poschad

>>715613327 (OP)
Not in my country

>>715625482
Meanwhile in Japan...

What would you do with $100k? I'm not buying memecoins when they are up to 120k by now.

>>715625892
assuming you mean proof of stake i ask, concretely and sincerely, what is the difference? how is this not just mining with extra steps? you still need public infra to protect data centers, ie, governments allowing you to exist.

>>715625769
Time for Steam to go. And we should have a new storefront with crypto only. Its amazing that gamers jumped to this crap just because of a mediocre FPS in 2005 and The Orange Box

>>715626191
dividend stocks with a predictable trading range. don't be a hero but don't be a complete normgroid either. find something you know about and find out whose paying you to own their shares in that space. park your cash their and actively trade the range with a % of the position

>>715626191
Invest in the S&P 500 even tho its slow af its safe.

>>715625831
Not by "someone", but by a collective that needs to reach an agreement. >>715625760 this anon is right but then again, it's still a better paradigm than what we have nowadays.

>>715615940
I’m surprised that no one in Europe made a card to compete with both of these.

>>715613385
REDEEMing prepaid cards is unironically the best way to do it. I have my switch address set to a state that doesn't charge tax and I just load the account with eshop credit. Haven't paid taxes on any digital purchases.

>>715625605
Ninjas can't help themselves.

>>715626798
Visa makes $5 billion and Mastercard makes around $3 billion every few months. This would be a good retaliation to Trump’s tariffs.

>>715626824
god i fucking hate ninjers

>>715625605
The foundation of a low trust society is "do whatever is necessary to get over others, and take advantage of everything and everyone". The scale of how it happens doesn't matter.

>>715616668
What reason might that be?

Captcha: VRGSY

>>715626824
They see stealth as a virtue, but it always ends with a backstab.

>>715626798
That's how you get Gaddafi'd.

>>715625878
>being a good goy
>the meta game

>>715621409
live in a shithole, you only get charged a fee if you withdraw from a different bank's atm

>>715628027
Its literally just a few cents. Youll survive

>>715613327 (OP)
Doesn't really help if they've got their grasp on an entire platform, though. Valve bent the knee, which means they're on board with the changes. It's not like other sites that have simply dropped Visa/Mastercard/Paypal and you can still just bypass that by using digital currency or vouchers or whatever.

>>715621089
Depends on the bank and the ATM. Here, banks that have their own ATMs only charge you for using other banks' ATMs. My bank doesn't have ATMs, but they only charge you if you take out less than like $75.

>>715616760
there are always ways and you can buy steam keys for cheap, look it up

>>715618125
>Either way your purchases and behavior get tracked.
So??? You are clearly showing signs of schizophrenia, dude...

>>715618125
I buy a gravure and jav using my debit card

>>715631028
My debit card still goes through VISA so any attempt at buying smut will be shut down immediately
It's a doggy dog world

>>715631284
>My debit card still goes through VISA
This should be illegal

>>715613327 (OP)
i wish gold and silver could be used instead of this gay jewish slop that makes money on "transaction fees"

>>715631436
I think a good alternative is Steam opening physical stores outside of USA? They can directly sell hardware, keys, giftcards, offer a small gathering space, etc.

>>715622375
made up money

>>715614116
>>>>>>>>>>>>>>>>>>>>>>>>>>Debit cards
Just admit your poor LOOOOOOOL

>>715632024
Anon, only poor people use Credit cards though.

>>715632130
Don't people have to prove their financial situation before applying for a Credit card?

>>715632130
Only poorfags use debit because they can't afford good credit. Only broke bitches ever use debit.

>>715632305
Kek, Credit card companies adore people who can't pay on time.
They actually hate it when people pay at all.

>>715617670
Many EU countries have dedicated payment schemes that essentially are abstractions on top of SEPA direct transfers. So yeah-- you could totally pull this off.

>>715632363
>Person who can pay in full is poor
>Person who has to pay in chunks is rich
Sure Jamel. Now go buy those one-hundred dollar sneakers. They'll surely make you look like the baddest shit on the block.

>>715632761
Not using a credit card to build a credit history is something a fatherless black person would do but alright.

9/11 for the biggest fucking losers you've ever seen
>but what about muh slop being censored!
Good

>>715613327 (OP)
It's why I applied for two AMEX cards, one with no FTF for when I buy stuff in Japan.

>>715613327 (OP)
Only an issue if you're a pedo

>>715626798
Europe does have its own payment infrastructure and services but they're mostly focused on debit payments and direct money transfer. Not on credit, like in the US. Traditionally these are limited to national borders, but that's changing: https://epicompany.eu/

>>715625878
>miss one payment
>DUDE 10X INTREEST HERE WE GOOOOOOO

>>715624895
what happens when you want to pay for something really expensive upfront though?

>>715633339
>missing payments
There's a simple solution to this called "having self control" and "not spending money you don't have".
I have my shit set to pay off in full every month and otherwise treat it like a debit card.

>>715625878
>You are making poor financial decisions by not playing the meta game of credit cards
using credit cards is cucked as shit, you are playing the good little oinker for your bank like a cuck by doing that
why do you think banks incentivize using CCs so hard? they want to keep you on a leash, relying on them to survive
the only benefit to credit cards besides made up credit score bullshit is emergencies but if you wee smart you would have saved up money for emergencies beforehand

>>715626798
EU IS planning to compete with Visa and Mastercard, that's the whole point of the Digital euro initiative, it's even starting late this year. https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html

>>715623175
can't pay with Visa or MasterCard though

>>715623175
Hitman dont have balls to assassinate top 10 most powerful people on earth

>>715633339
skill issue

>>715624834
Yeah I love minmaxxing with those CB categories, it's easy and I just pay it off as soon as it posts so nothing gets stacked.

>>715634197
>>715634098
What he said could also mean that any attempt at establishing a new neutral payment processor will be assassinated.

>>715634313
yep, herbs ITT don't get this is literally free money no matter what way you slice it, as long as you agree to debtmaxxing society's terms you are a fool not to take advantage of it, whether you book hotels or just use the points to pay down your balance.

https://steamcommunity.com/games/593110/announcements/detail/1464096684955433613

This is what you lost.

>>715617068
>EU are trying an app to verify with your face to see porn
No, that's porn sites doing it on their own accord , in hopes of not having to comply with any future (actual) EU plans involving passports or ID cards.

>>715628959
>other sites that have simply dropped Visa/Mastercard/Paypal and you can still just bypass that by using digital currency or vouchers or whatever.

They cracked down on that as well you have to use VPN to see some Jap games on other storefronts, Valve was told in no uncertain terms “remove these games or else”

>>715624801
Your tranny shit will be hit to, it never stops at just one thing.
when will you faggots learn

>>715625012
>Biggest issue is getting your phone stolen or being kidnapped and forced to do transfers.
lmao i can smell the tirdie from you

>>715634686
>have a good thing
>it gets ruined by financial speculators
a classic

>>715613327 (OP)
>He have
All I need to know about OP and this thread.

>>715625605
Niggers.

corporate censorship good and i don't care (until it happens to me, then i expect everybody to stand at my side in protest)

>>715636341
if bitcoin was a good thing, it wouldn't have been so easily susceptible to speculation

>people unironically defend getting in debt just to buy video games
Why is 2025 such dogshit?

>>715633838
Did you know you could leverage other peoples money to make yourself money? I know this might sound foriegn to someone so illiterate about finance. Lets say you want to start a business mowing lawns. Its going to cost you a truck, lawn equipment, labor and misc expenses. 5k for the truck 2k for equipment, 1k a month for labor and 300 for misc expenses. So youll need 7k upfront and 1.3k recurring a month to be viable. Now lets say you only have 4k in your bank account and you manage to save 250 a month. So you can go your route and shun crdit and banks and all that shit and wait over a year to save up enough money to start your business, or you can use a bank and credit to start your business now which can generate you cash the first month. As long as you meet your 1.3k plus whatever it costs you to borrow the extra 3k youll be a year ahead of your previous plan.

You think credit cards are only used to buy new sneakers or shitty TVs and yes if you think/live like a nigger then youll be treated like one. But if you can actually rub a few braincells together you can suddenly use all these wonderful tools our society has to your benefit.

I luv cards
typed the number on my card into the internet
just bought 2x protein
death stranding 2 last week
2x fleshlights and some other shit for it (and lube)
what next?
who knows

>>715621821
Just buy shit and pay it off on time. Literally if you don't have the actual money for it don't even buy it. It's honestly that easy.

>>715636824
Live a little anon c'mon.

>>715636930
Show us your business.

>>715613327 (OP)
Crypto is too annoying to declare. I'll just pirate

>>715616845
>credit cards do not serve a useful purpose.
Yes they do you massive retard, they're a middle man for protection between you and the seller and vice versa. There is always a scamming faggot out in the world, using a credit card (for non retarded purposes). Do you really want to send hard money that can be stolen through mail when you want to do online purchases, or send a check that could be used and forge without you being able to do anything, or risk your bank account info to do an EFT? Worse case is someone scams you up to the credit card limit and they deny a charge back, which is infinitely better than them draining your bank account. I'm all for carrying cash and being able to use it in any case that you see fit, and in a perfect society you'd be able to do that, but we don't live in one and in cases like getting a hotel room and getting a rental car, it makes 100x more sense to use a credit card. The credit score system is fucked, but you might as well use it to your advantage. The difference between using a credit card responsibility and getting a score of over 750 could or not could be the difference of getting a 6.7% interest rate on a $400,000 or a 7.7% rate. Do you know how much that saves you on a 30 year loan? Almost $250,000, just for doing something simple like putting groceries on your card every month and then paying it off the day after it posts to your account

>>715623314
>gotta pay a subscription to use your own money
AHAHAHA holy shit what a corporate fucking hellscape

>>715639624
>they're a middle man for protection between you and the seller and vice versa.
you mean like a bank? the bank should be forced to give all the same protections a credit card offers when you pay by your bank card.

Has America discovered Chip & PIN yet? Apple Pay? Contactless NFC payments? Or you do you still have to give a waitress your credit card to walk off with and get your salary from cheques

>>715613327 (OP)
They control all forms of payment, because they tell banks that banks won't be able to interface with their systems if they don't follow the same rules.
If Master Card doesn't like you, your bank will close your account. Because you are less important to you than credit cards.

>>715640749
Is this actual bait?

>>715615940
They can tell your bank that you are on their match list. You'll be gone.

>>715622528
i cri errytime

>>715639923
>the bank should be forced
Yes but they arent so you might as well take advantage of the next best option