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Joined 2 years ago
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Cake day: October 23rd, 2023

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  • The biggest flaw is baked into the system… credit cards generally make everything cost a little bit more because vendors bake the processing fees into their sale prices. You may get a small percentage of your expenditures back from your credit card, but not nearly as much as the mark-up you’ve paid. The effect is a tax on yourself and everyone else. The tax is worse on those who don’t use credit cards because they don’t even get a partial refund.

    The law used to be that you could offer a cash discount, but you couldn’t charge extra for using a credit card. That law changed and now many places are adding a surcharge if you use a credit card. You might note, however, that prices didn’t go down 3-5% everywhere. So now the retailers are double-dipping… they have the credit card fees baked into their pricing and then they’re having those who use credit cards pay the fee explicitly.

    I still think there are solid cases for using credit over debit if you are able to pay the bill in full every month to avoid any interest and late fees.











  • echo@lemmings.worldtoAsk Lemmy@lemmy.world*Permanently Deleted*
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    4 months ago

    What do you want to talk about, then?

    let’s circlejerk about MAGA.

    I agree. There’s no debate to be had. Just like there is no debate to be had about whether vaccines cause autism. However, you are refusing to engage. You could have said, "Yes, MAGA is awful and that’s not the conversation I’d like to have. However, you didn’t do that. You literally (intentionally or unintentionally) defended MAGA and then complained again that there just isn’t any nuance.

    You aren’t seeing nuanced conversations because you’re watching one side disavow law, science, and decency and then pretending that we should give a rat’s ass what they have to say.

    Again… you’re asking for rational people to play a high-stakes game of chess with a pigeon and then getting upset that, instead, they shoo away the pigeon. You need to respond that you understand this, that you disagree with it, or something. Again, your very behaviors are why you’re not seeing nuanced conversations – giving you the benefit of the doubt that this is actually what you want.


  • echo@lemmings.worldtoAsk Lemmy@lemmy.world*Permanently Deleted*
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    4 months ago

    And, I propose that what you are doing is part of the problem and why you’re not seeing the nuanced conversation you’re seeking. You’re literally making excuses and space for MAGA. You are deflecting and changing the topic. You are coming across as disingenuous. Part of having a nuanced conversation is that you must participate in it and do so in good-faith. Don’t waste my or anyone else’s time with this virtue signaling. You are why people aren’t having the conversation you profess to want to see happening. Any further questions?


  • The problem goes a lot further than just MAGA

    Yes, it does. And, if you’re willing to engage in a good faith conversation, we can have that discussion. Here’s the thing; MAGA and its leaders are patently bad. Not every person associated with MAGA is bad. We can talk in good faith about where the line is for the second group. We can talk in good faith about about what forces are in play that create this situation.

    However, there is no good faith conversation to be had in defense of MAGA and its leaders.

    Your turn…


  • MAGA and the rest of their racist/fascist bunch have zero interest in good faith discussion. As such, others who might have engaged in discussion in the past are no longer choosing to waste their time doing so. It’s too much like playing chess with a pigeon, but with substantial consequences.