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by yc1010 4077 days ago
Mass use of credit cards must be an American thing, here in Europe we actually do have descent consumer friendly payment methods (beside cash) in most countries and also fairly efficient Small Claims Courts.

Visa/Mastercard must absolute hate the EU and its consumer friendly policies that actually focus on making lives easier and cheaper for people here.
1 comments
TTPrograms 4076 days ago
Even going to a "fairly efficient" small claims court is infinitely less convenient than not going at all.

I think the consumer wins on this one.

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yc1010 4076 days ago
The consumer doesn't win, the consumer pays 1-3% more for everything than they should for good/services and the merchants ALWAYS endsup being shafted which leads them to raise prices more to account for fraud and chargebacks.

The only who actually wins is the credit card cartel.

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tallanvor 4076 days ago
You've already decided that the increased costs associated with credit/debit cards aren't worth the increased protections and convenience you get as a consumer.

Personally, I find it much easier to be able to carry a credit or debit card rather than having to worry about carrying cash for everything. And knowing that I can get my money back pretty quickly if there's a breach or if a merchant doesn't provide the services they were supposed to is worth paying a bit more.

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yc1010 4076 days ago
You know whats even better than having a wallet full of cash and credit cards (which can be stolen, cloned etc and having to spend hours on the phone trying to convince your bank that no you really didnt go on a trip to eastern europe paying for hookers with your card)

Having a phone with a Bitcoin app where I tap on the payment terminal and pay by confirming the amount and entering my pin.

Or scanning a Bitcoin QR code and paying online instead of typing long string of numbers, expiry codes, cvv etc etc and then going thru the anal probing that Verified by Visa or mastercard secure code is.

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smoe 4076 days ago
I kind of like the aspect of cash that it doesn't run out of battery life.
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s73v3r 4076 days ago
Because your wallet can be stolen, but not your phone?
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