| General > General Technical Chat |
| "FU^%ING" Credit-Cards!!! |
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| Simon:
--- Quote from: Stray Electron on June 26, 2020, 08:52:21 pm --- --- Quote from: DrG on June 26, 2020, 07:21:35 pm --- Concur completely. I would only add that I have purchased at a brick and mortar place and simply offered to pay cash instead of a card if they cut the price - and they will sometimes do that (assuming a large purchase and a savvy clerk - like the owner). --- End quote --- The problem is that most shops are actually operated by sales droids that don't have the initiative or the authority to make a deal. That's another reason the brick and mortar stores are rapidly disappearing. --- End quote --- Yes to make them cheaper to try to compete with online. a work colleague went to a shop, found a nice buggy he wanted to buy for his granddaughter and then found the same one on amazon significantly cheaper. He told us how he could not understand how they would not accept the price that he decided he wanted to pay which was much less than theirs but not much more than amazon. He put no value on the fact that this shop rent premium retail space so that he can swanny in, pick the thing up, look at it try it out. They employ people on semi decent wages sitting on their backsides potentially but there ready when you want them and he can't see how that is more than £25 to achieve than amazon can who rent the cheapest space out of town where no one will drive to, crammed with goods you can't just go and look at paying packing staff the minimum to pack it with stupid targets to hit. |
| bd139:
Ironically perhaps I got fucked over by much respected con artists John Lewis buying a buggy. Got to test it in the store. Ok great. Ordered it to pick up from their collections point same day, got it, got it home and a part was missing. Phoned them up and was told to take it back. So I did. Waited in a queue for 40 minutes, got told that was the last one and that they’d need to ship another one from their warehouse. So three weeks later, no buggy. Phoned up, couldn’t get anyone to actually find out anything useful. Approached bank as it was a debit card transaction, filled in a load of forms and was refunded the money (HSBC). About three months later the money disappeared out of my account again because JL had told HSBC that they had dispatched it and provided evidence (yeah right). This knocked me over my overdraft limit, caused my cards to be blocked, charged £30 fees, couldn’t get a travel card that day, breached contract with the assholes I was working for and had to basically lick assholes not to be kicked on the street immediately. Then there was the DVD player I bought in Argos and had to deal with a little hitler who accused me of breaking a £49 device which had eaten my dvd. So fuck retail in the arse. That’s what you’re paying for. Up front service and nothing to back it up later. Once whatever you’ve been mugged for goes out the door they usually wouldn’t piss on you if you were on fire. Credit cards and amazon get my first hit because genuinely it’s less risky. Last month, Apple TV. Well turns out my TV is shit and doesn’t like HDCP. Turfed it back in a box, Hermes collects it next day, amazon tell me ten minutes after it is collected they have issued a refund and job done. 900 transactions so far. No issues. Even clothes I buy on there. This works because they run low margins and factor return risk into their business unlike retail who knows it’s easy to make service impossible. Trick with CC is get a zero interest card and pay the bill every month. No risk. All benefit. When it hits the interest period bin it and get another one. If you do manage to get yourself screwed with credit card in the UK just stop paying it. Your credit rating is probably already fucked so it’s in their interest to be nice. After 6 months they will bin the interest and come up with an payment plan. On shopping, use distance selling regulations to your advantage. |
| Halcyon:
--- Quote from: dr.diesel on June 26, 2020, 12:43:43 pm --- --- Quote from: GlennSprigg on June 26, 2020, 12:13:01 pm ---So it's either an 'ATM' or a corrupt online purchase. --- End quote --- Or local restaurants, pretty easy to snap a picture of the card when eating out. --- End quote --- I'm pretty sure they put a stop to all that one chip cards became the norm. I haven't seen an EFTPOS machine in Australia for many, many years where manual entry is possible. Of course if they got the CVC as well, then I guess they could use it online? I obliterate the CVC on my cards once I've committed them to memory. These days, you can't even use a magswipe if the card is chip-enabled unless you first insert the card and it determined there is a problem with the chip or it's unreadable, then it will fall-back to magstripe. If you try to swipe first, it will error out and force you to insert the card. This put an end to the traditional cloning of cards. |
| dr.diesel:
--- Quote from: Halcyon on June 27, 2020, 12:04:33 am ---I'm pretty sure they put a stop to all that one chip cards became the norm. I haven't seen an EFTPOS machine in Australia for many, many years where manual entry is possible. Of course if they got the CVC as well, then I guess they could use it online? I obliterate the CVC on my cards once I've committed them to memory. These days, you can't even use a magswipe if the card is chip-enabled unless you first insert the card and it determined there is a problem with the chip or it's unreadable, then it will fall-back to magstripe. If you try to swipe first, it will error out and force you to insert the card. This put an end to the traditional cloning of cards. --- End quote --- Don't need a chip reader or a swipe to order online or over the phone. |
| Halcyon:
--- Quote from: dr.diesel on June 27, 2020, 12:16:22 am --- --- Quote from: Halcyon on June 27, 2020, 12:04:33 am ---I'm pretty sure they put a stop to all that one chip cards became the norm. I haven't seen an EFTPOS machine in Australia for many, many years where manual entry is possible. Of course if they got the CVC as well, then I guess they could use it online? I obliterate the CVC on my cards once I've committed them to memory. These days, you can't even use a magswipe if the card is chip-enabled unless you first insert the card and it determined there is a problem with the chip or it's unreadable, then it will fall-back to magstripe. If you try to swipe first, it will error out and force you to insert the card. This put an end to the traditional cloning of cards. --- End quote --- Don't need a chip reader or a swipe to order online or over the phone. --- End quote --- Very true, but even then, you would have to hand your card over to someone. This almost never happens in Australia. I eat out quite a lot and I can't recall any time where someone else has physically taken hold of my card. Restaurants and retailers don't want to deal with that kind of liability. Either you use the terminal yourself on your way out or some places even bring a wireless terminal to your table. I can't think of any reason why someone else should be handling your credit or bank card, let alone taking it somewhere out of your sight. In fact, it would be in breach of most (if not all) credit card contracts to give your card to someone else (I don't have a credit card so I can't check the fine print). |
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