In the E.U., there is no functional difference as the guarantees are the same for credit and debit (as long as your account is sufficiently provisioned).
Methinks you're mistaking a psychological difference for a functional difference especially as in both cases, the bank is managing your account and the money isn't in your pocket.
If you have a functional difference you can point out I'm still interested.
We in Europe generally dislike the fees added to credit cards (here) and can manage to keep enough money in our checking account to cover our purchases without needing credit.
In Europe, adding a revolving credit to your debit card is a service you pay extra for with very little gain vis a vis our debit cards other than the convenient access to more money than you have in your account without going to see your banker. I added credit to my debit card for a while as it was the cheapest, most convenient way to get a few thousand € for a new motorcycle at a time when my capitol was tied up. As soon as I paid the credit off, I told the bank to remove it to stop paying the supplementary fees for this "service".
Your convenience argument goes both ways: I see no reason to pay more to my bank for Credit I will not use when debit cards are ubiquitous.
I agree that Europeans never moved to Credit cards the way they did in the states and that we tend to use debit cards (where the moneyspent using the card is deducted from your account month/bi-monthly/weekly/immediately (depending on the card) but you seem to have missed why Americans prefer credit-cards: In the U.S. your credit rating is needed for loans like for cars & homes.
In the U.S. someone who regularly uses credit from a card and has regularly paid off that debt on time is a known element and will have an easier time with obtaining a loan that someone who has avoided the credit system -- even if the latter has greater purchasing power. Add to that that credit cards add some guarantees against fraud, insurance, etc. Thus it behooves young adults in the U.S to get and use credit cards in order to prepare for the day when that credit history will be needed.
I'm not saying that similar calculations don't happen in Europe when asking for a loan, just that it's less weighted on past use of credit and more on present finances and it's future stability.
The dominant credit/debit systems in the different countries of Europe is not as homogeneous as you asserted. Different countries had different locally grown systems that federated later. Germany had Eurocheques, France had Carte-Bleu, etc. What generally happened is that the local system was integrated into Visa or Mastercard and that it is this which extended it's compatibility beyond it's initial baliwick. Eurocheques: Mastercard. Certe-Bleu: Visa.
There is one point in the article that I (having lived in Europe my entire adulthood) don't understand: Equifax is offering a free credit lock. However, they are not the only actor with the role they hold in the credit market in the U.S. How does that credit lock affect the others?
Me, snowflake? ROTFL! I regularly defend _equality_ & judicial process when my more "liberal" friends are taking positions like "That (allegedly racist) cop SHOT a black man, LOCK HIM UP", "She says that she was drunk, that's all the proof needed to determine that he is A RAPIST! Due process be damned, RUIN him by expelling him!", etc.
I'll admit that I used the wrong term & should have written bigoted instead of racial, happy?
Now instead of quibbling, how about addressing the essential part of my post: Uber users aren't the ones whining when Uber drivers commit crimes.
OLED durability may have been sufficient for Android lifespan phones (18-24 months) 5 generations ago but Apple and Apple purchasers have higher standards. Again, it's not just lifetime, but quality _and_ lifetime _and_ production in sufficient qualities which just weren't available up to now..
I gave multiple examples. You gave one. You're not even missing the forest for the trees, you're missing the forest for the >tree.
And again, the the only one lying about Apple's transition to larger screens is you. It took 4 iPhone generations between the initial retina screen and the non strict multiples of 2 screens.
Awwww, did I hurt snookums feelings? Is snookums so blinded by his partisan sucking up to Samsung that he blocked out the examples I gave in my original post?
Samsung is only this year able to manufacture OLED screens in sufficient numbers for themselves and a subset of Apple's needs. That inability is why Apple is continuing to produce and sell every other iPone model other than the high priced X using LCD screens.
You and your colleague appear to be Fuji people impressed by "ooooh shiny, look at those hyper saturated colors". I'm a Kodachrome guy more impressed by color fidelity. The Samsung S8's I've handled failed to impress. Hopefully, Apple will do better.
My 2017 Samsung work phone begs to differ with your unsupported claim of flawless fingerprint reader function. It has never taken more than 2 attempts and usually takes 3-4 before unlocking and it is thus a coin toss as to whether the PIN code or the reader is faster to unlock it.
It's very rarely the people who use Uber that "go crying to the police and public services when they are raped by [racial smear deleted] drivers".
It's generally those claiming that Uber is "unfair competition" and taking away "their" business. Because you're not supposed to have any free will you see...
The thing is, people like you who consider words to be polymorphic and change definitions depending on how you feel about those they apply to, aren't those who's opinion counts for anything. The people that count are the legislators that create the laws, the police and other administrations that apply them and the judiciary that interprets them.
According to the Law in the U.K., Uber is a Ride-Hail company.
Perhaps you'd be happier in a country like Turkey Russia or North Korea where the head of state defines everything?
(Yeah, Trump tries to redefine words in the U.S. but we're not letting him are we?)
I generally with most of what you wrote but do note that those selecting about specific attributes and whining about them are often missing the forest for the trees. Focusing on the details is falling into the same trap of those ridiculing the iPod and predicting it's failure that begat the meme here on slashdot (No wireless. Less space than a nomad. Lame.). I, like most people selected my phone by looking at all it's attributes (including OS reliability, security and expected lifetime for my part).
OLED screens of sufficient quality and lifetime are still supply constrained with a single source (Samsung though Apple has gifted LG with billions of $ to be able to catch up & become a second source). The Notch isn't an issue for most people and allows the use of larger front-side sensors that make face recognition much better (less spoofable, more reliable) while still keeping enough room for useful notification space. It resembles the touchID/fingerprint sensors in that android phones often had narrower fingerprint readers and ToughID uses round sensors and is much more reliable & faster.
Your 3 year old S6 may indeed have proven to be of sufficient quality/lifetime but Samsung was incapable of furnishing enough screens for themselves & Apple and the expected lifetime had yet to be proven. That's less of an issue with Android phones because their mean used lifetime is so much shorter than iPhones are. Fewer care when the phone they replaced has faded than those who expect to continue using it for another 2-3 years.
Did Apple reneg on the 2x pixel requirement being unavoidable when they announced it? You _know_ this to be a falsehood because you'd seen the updated code to support it and all the applications had been updated to support other resolutions at that date? No, you don't. That Apple used the 2X pixel application framework updates to prepare the way for future non 2X phones and sufficient compatible apps didn't appeal to you so you chose to believe the worst, Ockhams Razor be damned.
As for the headphone jack, it's a popular whine among geeks, but much like changeable internal batteries, the great majority don't care.
Except that people who used Apple’s implementation of these and many other technologies panned as “2-3 years behind the curve” realize that Apples implementation is the first widely available _GOOD_ implementation of them.
I used touchscreens on phones for years before the iPhone. They all sucked.
Hidef screens on PCs, same (mostly due to poor OS support).
Fingerprint readers that worked 1/4 of the time (and were trivially spoofed), same thing, in fact my most recent Samsung work phone STILL only unlocks after multiple tries.
Apple’s Magic Trackpad & MacOS’ gesture support are _still_ better than everyone else’s.
But you go ahead and stick your fingers in your ears while muttering “late to the game” & “expensive”.
The Amish asked themselves similar questions generations ago - long, long before the homicidal unabomber crackpot - and can respond that it is indeed possible for individuals to resist the spread of technology -- if you are willing to change your lives to do so.
You can already use $900 earphones that only have a Jack for input on an iPhone 7 using Apple's bundled dongle
Hurrah Dongle!
Because using a free dongle is ___SUCH___ an enormous hardship that it merits destroying multiple iPhones to integrate it into an iPhone...
My dongle lives on the end of the headphone cable I use on the iPhone. No hardship.
ability to use $900 headphone.
Anyone who buys $900 headphones and doesn't use an external DAC is an ignorant fool.
Dumb comment.
Claiming (as you did) that it is impossible to use a $900 headphone on an iPhone because it lacks a jack is a Dumb comment because it is trivially proven false.
The modern integrated DAC chips have excellent performance. Beyond absolute trash sources in headphones 99% of the sound improvement is to be gained in the device producing the sound, in speaker setups less so as doing things with higher power is hard. Not to mention the idea of carrying around a DAC when people were critical enough of having to carry around a dongle is just plain stupid.
Phones have many exacting design/construction criteria but reduction of noise on the analogue outputs isn't generally one of their most important. Just plug one into a real sound system, turn up the sound and listen to the static. It's the reason my professional musician friends call all the integrated DACS in phones POS and there are excellent DACS for less than a tenth of $900. Thus anyone relying on phone DACS for something costing close to a grand should have spent their money on an external DAC.
destroys the phone's resale value
Debatable.
Yeah well you come on back and let us know when someone attempts to resell one of these FrankeniPhones so that we can tell but so far the resale value is $0
I have musician friends who hook their phones up to multi-thousand dollar sound systems where the difference between Internal DACs and the iPhone dongle ones is flagrant. That's why they use external DACs you ignorant AC fool.
For an Anonymous Coward's ears like yours even the cheapest DAC is overkill. Just plug in your local 110/220 AC directly.
You may admire the artist who canned & sold his own shit, I don't.
TFA's project is of disappearingly little value as it doesn't correct the _one_ minor irritation point on the removal of the jack: charging and listening to music at the same time and has major financial & functional handicaps.
You can already use $900 earphones that only have a Jack for input on an iPhone 7 using Apple's dongle that Apple bundles with the iPhone.
Anyone who buys $900 headphones and doesn't use an external DAC is an ignorant fool.
TFA's mod dissassembles Apple's Lightning-Jack adapter & reuses it's puny DAC, destroys the phon's resale value and STILL cannot be used while charging.
It's the playtime project of someone who has enough money to purchase & destroy multiple iPhones. It'd be easier and of better value to add a lightning port & a better quality DAC in the earphones.
Sounds more like rumours spread around by shareholders attempting to keep the market value up while they cash out before HTF folds.
Hey HTC support! Remember when I & others told you that abandoning support for your phones mere months after suddenly EOLing them was going to get you removed from everyone's supplier lists?
In fact the SE wasn't hacked, the signing key was divulged opening the door to possible future hacks (unless Apple changes it) but the truth is more complex than an AC like you can comprehend.
I realize that Apple probably has the term 'Secure Enclave' copyrighted
No, you clearly don't "realise". You "imagine" or "hope" or "suppose that because I don't like them then I'll assume the worst -- but won't make the effort to learn the truth".
But whatever. I'm dumb.
In any case you're arguing from a position of ignorance which does tend to make you dumber than using facts.
Slashdot Mirror
In the E.U., there is no functional difference as the guarantees are the same for credit and debit (as long as your account is sufficiently provisioned).
Methinks you're mistaking a psychological difference for a functional difference especially as in both cases, the bank is managing your account and the money isn't in your pocket.
If you have a functional difference you can point out I'm still interested.
So for Quebec,
"maintain responsible gaming rules" means "gimme some of that money"...
We in Europe generally dislike the fees added to credit cards (here) and can manage to keep enough money in our checking account to cover our purchases without needing credit.
In Europe, adding a revolving credit to your debit card is a service you pay extra for with very little gain vis a vis our debit cards other than the convenient access to more money than you have in your account without going to see your banker. I added credit to my debit card for a while as it was the cheapest, most convenient way to get a few thousand € for a new motorcycle at a time when my capitol was tied up. As soon as I paid the credit off, I told the bank to remove it to stop paying the supplementary fees for this "service".
Your convenience argument goes both ways: I see no reason to pay more to my bank for Credit I will not use when debit cards are ubiquitous.
Why don't you use a debit card then? Maybe because (as I stated) "Add to that that credit cards add some guarantees against fraud, insurance, etc."?
Take another look at the difference between debit cards and credit cards and tell us why you use credit cards.
I agree that Europeans never moved to Credit cards the way they did in the states and that we tend to use debit cards (where the moneyspent using the card is deducted from your account month/bi-monthly/weekly/immediately (depending on the card) but you seem to have missed why Americans prefer credit-cards: In the U.S. your credit rating is needed for loans like for cars & homes.
In the U.S. someone who regularly uses credit from a card and has regularly paid off that debt on time is a known element and will have an easier time with obtaining a loan that someone who has avoided the credit system -- even if the latter has greater purchasing power. Add to that that credit cards add some guarantees against fraud, insurance, etc. Thus it behooves young adults in the U.S to get and use credit cards in order to prepare for the day when that credit history will be needed.
I'm not saying that similar calculations don't happen in Europe when asking for a loan, just that it's less weighted on past use of credit and more on present finances and it's future stability.
The dominant credit/debit systems in the different countries of Europe is not as homogeneous as you asserted. Different countries had different locally grown systems that federated later. Germany had Eurocheques, France had Carte-Bleu, etc. What generally happened is that the local system was integrated into Visa or Mastercard and that it is this which extended it's compatibility beyond it's initial baliwick. Eurocheques: Mastercard. Certe-Bleu: Visa.
There is one point in the article that I (having lived in Europe my entire adulthood) don't understand: Equifax is offering a free credit lock. However, they are not the only actor with the role they hold in the credit market in the U.S. How does that credit lock affect the others?
Me, snowflake? ROTFL! I regularly defend _equality_ & judicial process when my more "liberal" friends are taking positions like "That (allegedly racist) cop SHOT a black man, LOCK HIM UP", "She says that she was drunk, that's all the proof needed to determine that he is A RAPIST! Due process be damned, RUIN him by expelling him!", etc.
I'll admit that I used the wrong term & should have written bigoted instead of racial, happy?
Now instead of quibbling, how about addressing the essential part of my post: Uber users aren't the ones whining when Uber drivers commit crimes.
OLED durability may have been sufficient for Android lifespan phones (18-24 months) 5 generations ago but Apple and Apple purchasers have higher standards. Again, it's not just lifetime, but quality _and_ lifetime _and_ production in sufficient qualities which just weren't available up to now..
I gave multiple examples. You gave one. You're not even missing the forest for the trees, you're missing the forest for the >tree.
And again, the the only one lying about Apple's transition to larger screens is you. It took 4 iPhone generations between the initial retina screen and the non strict multiples of 2 screens.
Awwww, did I hurt snookums feelings? Is snookums so blinded by his partisan sucking up to Samsung that he blocked out the examples I gave in my original post?
Samsung is only this year able to manufacture OLED screens in sufficient numbers for themselves and a subset of Apple's needs. That inability is why Apple is continuing to produce and sell every other iPone model other than the high priced X using LCD screens.
You and your colleague appear to be Fuji people impressed by "ooooh shiny, look at those hyper saturated colors". I'm a Kodachrome guy more impressed by color fidelity. The Samsung S8's I've handled failed to impress. Hopefully, Apple will do better.
My 2017 Samsung work phone begs to differ with your unsupported claim of flawless fingerprint reader function. It has never taken more than 2 attempts and usually takes 3-4 before unlocking and it is thus a coin toss as to whether the PIN code or the reader is faster to unlock it.
It's very rarely the people who use Uber that "go crying to the police and public services when they are raped by [racial smear deleted] drivers".
It's generally those claiming that Uber is "unfair competition" and taking away "their" business. Because you're not supposed to have any free will you see...
The thing is, people like you who consider words to be polymorphic and change definitions depending on how you feel about those they apply to, aren't those who's opinion counts for anything. The people that count are the legislators that create the laws, the police and other administrations that apply them and the judiciary that interprets them.
According to the Law in the U.K., Uber is a Ride-Hail company.
Perhaps you'd be happier in a country like Turkey Russia or North Korea where the head of state defines everything?
(Yeah, Trump tries to redefine words in the U.S. but we're not letting him are we?)
Ack, I generally >agree with...
I generally with most of what you wrote but do note that those selecting about specific attributes and whining about them are often missing the forest for the trees. Focusing on the details is falling into the same trap of those ridiculing the iPod and predicting it's failure that begat the meme here on slashdot (No wireless. Less space than a nomad. Lame.). I, like most people selected my phone by looking at all it's attributes (including OS reliability, security and expected lifetime for my part).
OLED screens of sufficient quality and lifetime are still supply constrained with a single source (Samsung though Apple has gifted LG with billions of $ to be able to catch up & become a second source). The Notch isn't an issue for most people and allows the use of larger front-side sensors that make face recognition much better (less spoofable, more reliable) while still keeping enough room for useful notification space. It resembles the touchID/fingerprint sensors in that android phones often had narrower fingerprint readers and ToughID uses round sensors and is much more reliable & faster.
Your 3 year old S6 may indeed have proven to be of sufficient quality/lifetime but Samsung was incapable of furnishing enough screens for themselves & Apple and the expected lifetime had yet to be proven. That's less of an issue with Android phones because their mean used lifetime is so much shorter than iPhones are. Fewer care when the phone they replaced has faded than those who expect to continue using it for another 2-3 years.
Did Apple reneg on the 2x pixel requirement being unavoidable when they announced it? You _know_ this to be a falsehood because you'd seen the updated code to support it and all the applications had been updated to support other resolutions at that date? No, you don't. That Apple used the 2X pixel application framework updates to prepare the way for future non 2X phones and sufficient compatible apps didn't appeal to you so you chose to believe the worst, Ockhams Razor be damned.
As for the headphone jack, it's a popular whine among geeks, but much like changeable internal batteries, the great majority don't care.
Like touchscreen = touchscreen, hidef screens = hidef screens, fingerprint reader = fingerprint reader, trackpad = trackpad, etc...
Except that people who used Apple’s implementation of these and many other technologies panned as “2-3 years behind the curve” realize that Apples implementation is the first widely available _GOOD_ implementation of them.
I used touchscreens on phones for years before the iPhone. They all sucked.
Hidef screens on PCs, same (mostly due to poor OS support).
Fingerprint readers that worked 1/4 of the time (and were trivially spoofed), same thing, in fact my most recent Samsung work phone STILL only unlocks after multiple tries.
Apple’s Magic Trackpad & MacOS’ gesture support are _still_ better than everyone else’s.
But you go ahead and stick your fingers in your ears while muttering “late to the game” & “expensive”.
Under what rock (or more likely bridge) were you living to not hear that FaceID updates your 3D face map as time goes on?
AC idiot troll once again proven too dumb to actually inform itself before posting
The Amish asked themselves similar questions generations ago - long, long before the homicidal unabomber crackpot - and can respond that it is indeed possible for individuals to resist the spread of technology -- if you are willing to change your lives to do so.
Buying fractional bitcoins doesn't change the exchange & transaction fees that are exorbitant.
Sure, right after Hell freezes over...
You can already use $900 earphones that only have a Jack for input on an iPhone 7 using Apple's bundled dongle
Hurrah Dongle!
Because using a free dongle is ___SUCH___ an enormous hardship that it merits destroying multiple iPhones to integrate it into an iPhone...
My dongle lives on the end of the headphone cable I use on the iPhone. No hardship.
ability to use $900 headphone.
Anyone who buys $900 headphones and doesn't use an external DAC is an ignorant fool.
Dumb comment.
Claiming (as you did) that it is impossible to use a $900 headphone on an iPhone because it lacks a jack is a Dumb comment because it is trivially proven false.
The modern integrated DAC chips have excellent performance. Beyond absolute trash sources in headphones 99% of the sound improvement is to be gained in the device producing the sound, in speaker setups less so as doing things with higher power is hard. Not to mention the idea of carrying around a DAC when people were critical enough of having to carry around a dongle is just plain stupid.
Phones have many exacting design/construction criteria but reduction of noise on the analogue outputs isn't generally one of their most important. Just plug one into a real sound system, turn up the sound and listen to the static. It's the reason my professional musician friends call all the integrated DACS in phones POS and there are excellent DACS for less than a tenth of $900. Thus anyone relying on phone DACS for something costing close to a grand should have spent their money on an external DAC.
destroys the phone's resale value
Debatable.
Yeah well you come on back and let us know when someone attempts to resell one of these FrankeniPhones so that we can tell but so far the resale value is $0
I have musician friends who hook their phones up to multi-thousand dollar sound systems where the difference between Internal DACs and the iPhone dongle ones is flagrant. That's why they use external DACs you ignorant AC fool.
For an Anonymous Coward's ears like yours even the cheapest DAC is overkill. Just plug in your local 110/220 AC directly.
You may admire the artist who canned & sold his own shit, I don't.
TFA's project is of disappearingly little value as it doesn't correct the _one_ minor irritation point on the removal of the jack: charging and listening to music at the same time and has major financial & functional handicaps.
TFA's mod destroys the iPhone's water resistance, weakens it's Lightning jack and still cannot use the jack and recharge the phone at the same time.
As such it's piss-poor proof of anything.
You can already use $900 earphones that only have a Jack for input on an iPhone 7 using Apple's dongle that Apple bundles with the iPhone.
Anyone who buys $900 headphones and doesn't use an external DAC is an ignorant fool.
TFA's mod dissassembles Apple's Lightning-Jack adapter & reuses it's puny DAC, destroys the phon's resale value and STILL cannot be used while charging.
It's the playtime project of someone who has enough money to purchase & destroy multiple iPhones. It'd be easier and of better value to add a lightning port & a better quality DAC in the earphones.
Sounds more like rumours spread around by shareholders attempting to keep the market value up while they cash out before HTF folds.
Hey HTC support! Remember when I & others told you that abandoning support for your phones mere months after suddenly EOLing them was going to get you removed from everyone's supplier lists?
In fact the SE wasn't hacked, the signing key was divulged opening the door to possible future hacks (unless Apple changes it) but the truth is more complex than an AC like you can comprehend.
I realize that Apple probably has the term 'Secure Enclave' copyrighted
No, you clearly don't "realise". You "imagine" or "hope" or "suppose that because I don't like them then I'll assume the worst -- but won't make the effort to learn the truth".
But whatever. I'm dumb.
In any case you're arguing from a position of ignorance which does tend to make you dumber than using facts.