I dunno. Not everyone with a USAA account has been in the military.
As for Costco and Prime...they membership fees are what they are, whether you have the credit card or not. The card itself does not require an annual fee, as I indicated.
They do. Americans are so fucking stupid, it's unbelievable. They'll take a 1% discount on their cards, while paying an extra 3% to the card processors on the back end.
HEY, news flash, dumbass! A customer paying cash pays the same price as someone paying with a credit card, in most places, most of the time.
On your second point you are somewhat wrong. Most (all?) of the credit card merchant agreements specifically forbid merchants from charging more for the use of a credit card.
Nothing prevents them from pricing their goods and services however they like.
Whatever the advertised price is on the sticker must be the price charged to the card.
Exactly. So what is stopping them from passing on the cost of taking credit cards in that price? Nothing.
They're proud to announce their titanium card doesn't show the number or expiration date which makes it more safe, but which is required to make online purchases.
The info is in the phone's wallet. Look there. New card # is generated for every transaction. You need to look at the phone to find out what the "new number" is.
But if I'm on my Windows machine? I think I'm SOL... by design?
If you're running windows, then no one really cares and there is no problem. Use one of your existing credit cards.
A case of some sort for metal credit cards. Then you can sharpen one side of the metal credit card, put it in this case, and use it as a cutting device.
I have 1. With a $2k limit. We use it only for emergencies, international travel, and when we bought my wife's car last year (forgot about transaction limits on our debits). I can't even fathom having multiple ones.
Maybe if you could, you wouldn't be stuck with a shitty $2K limit.
Jezuz...I'm not leaving the country with a lousy $2K limit credit card.
Even as an Apple fan - I have to say a lot of this is "who cares?" or "a lot".
Sure other cards have cashback (some even more percentage wise). Who else gives it to you daily?
If your cash flow is such that getting your credit card spending "cash back" returned to you on a daily basis is a significant feature, perhaps it would be wise to look at your spending habits...big time.
What other credit cards help encourage people to make payments more often to reduce interest charges if they cannot make the payment in full?
I honestly don't know. But again, if you're the type of person who will benefit from this kind of encouragement, perhaps it would be wise to look at your spending habits...big time.
How many other cards with significant features do not feature an annual fee?
A lot, actually. I have several. And by several, I mean, probably 9 or 10 of them.
How many other cards do not charge late fees when you forget and make a payment a few days late?
I honestly don't know. But again, if you're the type of person who will benefit from this kind of feature, perhaps it would be wise to look at your spending habits...big time. You might also want to learn how to use a calendar, or to SET UP AUTO-PAY TO MAKE AT LEAST THE MINIMUM PAYMENT. It isn't that hard, trust me.
How many other cards like you simply text to correct issues with your card account???
No idea, since I have all text messaging on my phone blocked.
They're not the only one selling computers. They're not the only one selling cell phones. They're not the only one selling tablets. They're not not the only place to try to sell your apps They're not the only place from which to buy/rent media of various kinds.
What exactly are they supposed to have a monopoly ON? Apple didn't invent vertical integration, nor is it the only company that profits from it. It also isn't a monopoly.
Oh, and BTW: To the people who keep ridiculing Americans and their need to have multiple credit cards? The FICO scores get calculated, in part, based on how much credit you have available to you vs. how much you actually use. So having more cards, even if they sit there unused, benefits you by improving that ratio -- since no one card company is likely to extend you a line of credit as big as you'd have in sum total, spanning 4 or 5 cards.
Yep. Between my wife and I, we have 4 or 5 cards with limits in excess of $25K/each. Balance is always $0. No way are we closing those cards, no matter how long they sit unused.
And if we get a notice they will be closed for lack of use, we'll put a few charges on them to keep them active.
Uh... you do realize that you're just getting money you didn't have to spend in the first place? This is exactly like allowing your employer to over-withhold your taxes....You are literally paying more for things so that Chase/Citi/etc can hold your money until you decide you can retrieve it in some potentially other-than-money fashion that they pay less rates for, so you don't even get all your money back.
Are you female? Because that sounds like female logic.
Let me clue you in. Even if YOU choose not to use a credit card, you're still paying the same price that you would pay with one, other than at merchants who offer a discount for paying cash. Your "I don't use a credit card" virtue signaling just signals that you're a moron for failing to take advantage of the benefits of using the card, while not actually seeing any tangible benefit from doing so - except possibly at a small number of merchants who either do not take cards or offer a "discount" for paying cash.
I go to say, Target, Best Buy, Costco, Walmart, etc. Buy something for $1000. Are any one of them going to knock 3% off the price for paying with cash? No. Are any one of them going to thank me for reducing their costs? No. Should I given up the extended warranty I get by paying with my card? Fuck no.
I've tried Apple Pay a couple of times, but haven't succeeded yet
You must not try very hard. I use it regularly, without going out of my way to do so. Places I commonly use it include:
o Rite Aid o Walgreens o Shop & Save (grocery store) o Giant Eagle (grocery store) o Aldi o Costco o Duluth Trading Post o Target o Chick-Fil-A o Ace Hardware
Plus I use Apple Pay Cash to pay babysitters and collect money from my father for money that he owes me. I even used it once to pay someone I owed money to in Canada - which worked because he still had his US-based cell phone. Very convenient (:
Slashdot Mirror
Yeah? So?
Previous poster was bitching about nowhere to use Apple Pay, not arguing Samsung play is not accepted anywhere.
Yeah? So what? There are plenty of companies selling only their brand of shit.
I dunno. Not everyone with a USAA account has been in the military.
As for Costco and Prime...they membership fees are what they are, whether you have the credit card or not. The card itself does not require an annual fee, as I indicated.
Well, you know, we all do what we can.
15,000 what? Pennies?
In any case, there are plenty of other cards to choose from.
Your logic is basically this: Ferrari should go out of business because not everyone wants a Ferrari.
Right. Because if I pay cash, that is going to dip the price for the next guy, even fnonly a penny. Get real.
They do. Americans are so fucking stupid, it's unbelievable. They'll take a 1% discount on their cards, while paying an extra 3% to the card processors on the back end.
HEY, news flash, dumbass! A customer paying cash pays the same price as someone paying with a credit card, in most places, most of the time.
On your second point you are somewhat wrong. Most (all?) of the credit card merchant agreements specifically forbid merchants from charging more for the use of a credit card.
Nothing prevents them from pricing their goods and services however they like.
Whatever the advertised price is on the sticker must be the price charged to the card.
Exactly. So what is stopping them from passing on the cost of taking credit cards in that price? Nothing.
You must shop in some shitty places.
Why would people outside of the US want to see US mags? Are there mags from outside US? Are the mags going to cater for those outside of US?
Because they're not small-minded assholes?
I read plenty of non-US magazines, despite living in the U.S.
I guess all the US magazines suck, but non-US ones don't suck. That is the only way to explain what is going on.
They're proud to announce their titanium card doesn't show the number or expiration date which makes it more safe, but which is required to make online purchases.
The info is in the phone's wallet. Look there. New card # is generated for every transaction. You need to look at the phone to find out what the "new number" is.
But if I'm on my Windows machine? I think I'm SOL... by design?
If you're running windows, then no one really cares and there is no problem. Use one of your existing credit cards.
Go back to your crack pipe. Thanks.
Merchant is free not to accept credit cards. They're also free to pass on the cost of taking them to the consumer.
I just got an idea for a 3-d printing item.
A case of some sort for metal credit cards. Then you can sharpen one side of the metal credit card, put it in this case, and use it as a cutting device.
I have 1. With a $2k limit. We use it only for emergencies, international travel, and when we bought my wife's car last year (forgot about transaction limits on our debits). I can't even fathom having multiple ones.
Maybe if you could, you wouldn't be stuck with a shitty $2K limit.
Jezuz...I'm not leaving the country with a lousy $2K limit credit card.
Even as an Apple fan - I have to say a lot of this is "who cares?" or "a lot".
Sure other cards have cashback (some even more percentage wise). Who else gives it to you daily?
If your cash flow is such that getting your credit card spending "cash back" returned to you on a daily basis is a significant feature, perhaps it would be wise to look at your spending habits...big time.
What other credit cards help encourage people to make payments more often to reduce interest charges if they cannot make the payment in full?
I honestly don't know. But again, if you're the type of person who will benefit from this kind of encouragement, perhaps it would be wise to look at your spending habits...big time.
How many other cards with significant features do not feature an annual fee?
A lot, actually. I have several. And by several, I mean, probably 9 or 10 of them.
How many other cards do not charge late fees when you forget and make a payment a few days late?
I honestly don't know. But again, if you're the type of person who will benefit from this kind of feature, perhaps it would be wise to look at your spending habits...big time. You might also want to learn how to use a calendar, or to SET UP AUTO-PAY TO MAKE AT LEAST THE MINIMUM PAYMENT. It isn't that hard, trust me.
How many other cards like you simply text to correct issues with your card account???
No idea, since I have all text messaging on my phone blocked.
So, did you enjoy your time in band camp?
Only I don't pay any yearly/monthly fee for using it.
There are plenty of rewards cards for which there no no annual fees. I have several of them.
USAA Rewards Visa Signature® Card - no annual fee
USAA Rewards American Express® Card - no annual fee
Costco Anywhere Visa® Card by Citi - no annual fee (Costco membership required)
Amazon Prime Rewards Visa® Signature Card - no annual fee (Prime membership required)
I'm sure there are many others.
Monopoly on WHAT, exactly?
They're not the only one selling computers.
They're not the only one selling cell phones.
They're not the only one selling tablets.
They're not not the only place to try to sell your apps
They're not the only place from which to buy/rent media of various kinds.
What exactly are they supposed to have a monopoly ON? Apple didn't invent vertical integration, nor is it the only company that profits from it. It also isn't a monopoly.
Oh, and BTW: To the people who keep ridiculing Americans and their need to have multiple credit cards? The FICO scores get calculated, in part, based on how much credit you have available to you vs. how much you actually use. So having more cards, even if they sit there unused, benefits you by improving that ratio -- since no one card company is likely to extend you a line of credit as big as you'd have in sum total, spanning 4 or 5 cards.
Yep. Between my wife and I, we have 4 or 5 cards with limits in excess of $25K/each. Balance is always $0. No way are we closing those cards, no matter how long they sit unused.
And if we get a notice they will be closed for lack of use, we'll put a few charges on them to keep them active.
Hmm...a "no fee" Amex? Which one of their cards doesn't have an annual fee?
USAA® Rewards American Express® Card
Blue Cash Everyday® Card from American Express
American Express Cash Magnet® Card
Blue Delta SkyMiles® Credit Card from American Express
Hilton Honors American Express Card
Blue from American Express® Card
Uh... you do realize that you're just getting money you didn't have to spend in the first place? This is exactly like allowing your employer to over-withhold your taxes. ...You are literally paying more for things so that Chase/Citi/etc can hold your money until you decide you can retrieve it in some potentially other-than-money fashion that they pay less rates for, so you don't even get all your money back.
Are you female? Because that sounds like female logic.
Let me clue you in. Even if YOU choose not to use a credit card, you're still paying the same price that you would pay with one, other than at merchants who offer a discount for paying cash. Your "I don't use a credit card" virtue signaling just signals that you're a moron for failing to take advantage of the benefits of using the card, while not actually seeing any tangible benefit from doing so - except possibly at a small number of merchants who either do not take cards or offer a "discount" for paying cash.
I go to say, Target, Best Buy, Costco, Walmart, etc. Buy something for $1000. Are any one of them going to knock 3% off the price for paying with cash? No. Are any one of them going to thank me for reducing their costs? No. Should I given up the extended warranty I get by paying with my card? Fuck no.
Maybe you can get one and us it to pay for a course in how to communicate effectively.
I've tried Apple Pay a couple of times, but haven't succeeded yet
You must not try very hard. I use it regularly, without going out of my way to do so. Places I commonly use it include:
o Rite Aid
o Walgreens
o Shop & Save (grocery store)
o Giant Eagle (grocery store)
o Aldi
o Costco
o Duluth Trading Post
o Target
o Chick-Fil-A
o Ace Hardware
Plus I use Apple Pay Cash to pay babysitters and collect money from my father for money that he owes me. I even used it once to pay someone I owed money to in Canada - which worked because he still had his US-based cell phone. Very convenient (:
You wouldn't. Now fuck off.