I’m not going to shame you for being a eurobrain, but why would you start talking authoritatively on the deranged state of North American tipping culture when you dont seem to understand how it works?

It’s surprisingly common for cashiers to re-enter your tip amount for you when they reset the machine if there was an issue with your transaction, or maybe they fudged the automatic gratuity on a large party, or maybe the person needed assistance with the machine and the cashier decided that was their chance… Unfortunately when people’s incomes rely on tips, and a tip is expected on every meal, it’s only a matter of time before someone takes advantage, and unfortunately some people just… Aren’t super observant.

As terrible as Capital One is (extremely bad), this isn’t a dark pattern to keep you from spending money, they get more out of you if you spend more on your Credit card because of the interest on repayments.

Credit card isn’t a bank account, it’s a line of credit. you can freeze credit and charge it back for fraudulent purchases.

I guess you never buy anything off the internet then either.

And if you do buy off the internet, you should use credit, as it’s much safer to freeze a credit card than your entire bank account if your card gets leaked.

Also don’t get why you’re being so hostile to a comment that’s simply explaining how a different works. Must be a European thing.

You talk very authoritatively about a subject that you just admitted you don’t know how it works.

Only an ignorant confuses a missing comma for illiteracy. You’re missing an apostrophe btw, and it’s “sorry that you weren’t”. Again, you said nothing there. Sorry that you’re not understanding, but i said it because you didn’t say anything relevant to the point, just like right now. But yeah, you’re not that clever friend either way. You certainly are trying though.