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

Tell me you have never lived outside of North America without telling me you have never lived outside of North America.

I do have a credit card, but I do not have a “line of credit”. In fact, I didn’t fucking know what it was until today. I didn’t even know it existed.

See, the way it works for me, is: I have money, and the credit card lets me buy something without charging it immediately to my checking account. My balance still displays the sum of the positive amount of my checking account and the negative amount of my credit card. So, for example, let’s say I have 10k on my checking account, and use 2k off of my credit card, my balance will be 8k. It lets me go “in the virtual red” for 2k I think, and only until the day of the month where the money is transferred from my checking account to my credit card account. This allows for a certain flexibility with paying dues on time, even when you haven’t been paid yet. Even if I had 0 on my checking account, I could use my CC for paying various stuff, and THEN get paid for a job, without any fees of any kind. That’s the point. There’s no “score” or “line” or whatever scam designed to make people fail and then charge them insane fees and interests so they can’t get back on their feet, and end up being bled for the rest of their days.

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

Wire transfers are instant. And if not that, then there are cryptocurrencies. Slightly slower, but still very usable.

And no, I do not buy stuff online very often. I pay mostly on invoice.

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.

Yeah so, I don’t wanna use a CC online. Other means of payment are just so much better.

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.

Because the concept of “tips” in the US isn’t a thing that “works”. And just like with “union busting”, we’re not too found of toxic “customs” being sold as “normal”, and eventually ending up creeping over. Some of the stuff is better in the US, some of the stuff is better in Europe. But for the stuff that is undeniably better in Europe, please don’t try and fuck it up?

I don’t know how doing heroin works, but I still know it’s terrible idea.

Besides, North America doesn’t own the concept of “tipping”. You own the concept of perverting it into abuse, yes, but we do have (relatively sane) tipping over here. Which I do know about. But I guess you wouldn’t know that, buddy, because the world revolves around North America, eh?

how it works

https://www.hsph.harvard.edu/news/features/addressing-the-u-s-homelessness-crisis/

https://fortune.com/europe/2022/07/12/how-to-end-homelessness-finland-solution-housing-first/

If I were you, I’d be a tad more cautious with the use of that word, “works”. Seems a lil bit overblown for what you are talking about.

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

If you don’t check the amount before entering the pin, it’s a you problem. If you give away your CC and assume the person has integrity, it’s a you problem. If the person is threatening you, it is a robbery. But then, you are legally allowed to literally kill them, right?

Unfortunately when people’s incomes rely on tips

I’ll refer you to the bit above about the word “works”. Not gonna repeat myself. Running a business isn’t simple, but fortunately, not everything is complicated: if you can’t afford having employees, then don’t. If you can’t afford running your business without employees, then don’t. There’s a reason it is called a “business plan” and not a “business guess”.

As terrible as Capital One is (extremely bad)

I have found literally one good bank so far. One. Among the 5 countries I lived in.

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.

Fair, I’ll admit: this makes sense. I know (not from first hand experience, but there are enough accounts online to make this common knowledge) that the credits in the US are extremely predatory. Worse than that, the entire system is designed to make you fail. So yeah, OK, you are right, point taken, I’ll correct what I wrote on the prior comment.