[da39a3ee]

That might not be a Japan thing: in the late 1990s / 2000s the US was behind Europe (as well as many bits of first-world Asia I guess) with respect to cell phones and consumer banking. For example, free SMS messages came late to the USA. And the USA still doesn't really understand debit cards (think about all the times in the US that you hand over a debit card with a Visa symbol and the cashier says "debit or credit?"; all they do in the rest of the world is scan the fucking card and let the system figure out where the money comes from.)

[NavinF]

I haven't been asked that question in a long long time in the US. The cashier just swipes it.

Then again, I don't know anyone that uses a debit card after high school. Not using a credit card kinda implies that they're financially irresponsible right now (leaving cash back/points on the table) or were in the past and ruined their credit.

[entropyie]

FWIW, this is not even remotely true in Europe. People use debit cards day to day, more likely to use a credit card if they don't have enough in the bank I suspect. At least where I am, there isn't much to be had in terms of points or whatever.

[cactus2093]

In the US every merchant factors in an extra 3-4 cents on every dollar for credit card transaction costs on all of their prices. If you pay with cash or debit card you eat that cost yourself, if you pay with a credit card you can make back like 2 - 4 cents of that amount depending on the purchase category, and it can really add up over time.

It's a very bizarre system, and incredibly regressive, and would actually probably be pretty simple to get rid of with federal legislation. I actually can't believe none of our current wave of progressive politicians have thought to come after it yet.

[LargoLasskhyfv]

Or are financially independent, and don't care about the equivalent of some colored class pearls.

[Bayart]

That's reversed in Europe. Using credit is what implies financial responsibility. On that subject I've seen American financial devices, such as cashback and so on, slowly sip in on this side of the Atlantic and I find it worrying.

[the-dude]

You forgot to tell about the cheques.

[da39a3ee]

Ah. Good point. The cheques/checks!