Did Congress Kill the Debit Card? - Page 2 - GoFuckYourself.com

TheDoc · 09-30-2011, 03:39 PM

Quote:

Originally Posted by will76

I feel sorry for the gal he is married to

I would show her a lot better treatment then that

You wouldn't know how to handle a women like her....

You guys are young dumb and full of cum, go have fun. We you decide it's family time... sure you'll still have fun, but you aren't going out every weekend. Having a hell of a night, and having to wake up with infants or kids on weekends, early, is NOT how you treat yourself or your spouse, at least not very often.

seeric · 09-30-2011, 03:41 PM

Just got an email back from USAA bank.

They will not be, nor will they even consider passing on any of the fees to it's customers.

Time for those of you under 27 to join the us military and get some of this bank.

LOL.

TheDoc · 09-30-2011, 04:00 PM

Quote:

Originally Posted by Atticus

I wasn't referring to the night life of a 6 year old. My 4 year old 'entertainment' doesn't break the bank either. Give him a RedBox movie once a week and he's happy. I was more referencing your entertainment. Do you never go out to dinner, see a movie, have a drink? Never take your wife out? Never buy a gift? Never surprise her with flowers? Don't take vacations?

It might be cheaper to live in Tucson versus Henderson however I can't imagine a 6 pack of beer costs that much less. Nor a gallon of gas. There is zero way I could spend $200 a week on gas and groceries alone, let alone anything else.

I would just take the extra money if I needed, I mean, really?

$15 for fruits and veggies, $100 for groceries and all b.s. related, $50 for gas. Gives us $40-50 a week in b.s. money, sometimes we eat pizza, sometimes I buy beer, and still can rent movies buy cigars and still have cash left over, sometimes we do nothing at all but play video games at home, and spend no extra cash.

That's our LIVING cost, extra b.s. is not part of that.

It's not like I pay cash online to buy tickets to the races, or airline tickets... or anything vacation or flowers, or anything like that.

Atticus · 09-30-2011, 04:20 PM

Quote:

Originally Posted by TheDoc

I would just take the extra money if I needed, I mean, really?

$15 for fruits and veggies, $100 for groceries and all b.s. related, $50 for gas. Gives us $40-50 a week in b.s. money, sometimes we eat pizza, sometimes I buy beer, and still can rent movies buy cigars and still have cash left over, sometimes we do nothing at all but play video games at home, and spend no extra cash.

That's our LIVING cost, extra b.s. is not part of that.

It's not like I pay cash online to buy tickets to the races, or airline tickets... or anything vacation or flowers, or anything like that.

Yeah, that's kind of what I was pointing out. You said $200 covers groceries, gas and entertainment. But your idea of entertainment is pizza delivery and renting a movie. Most people would refer to taking the wife out to dinner as entertainment also but you put it in it's own 'bs' classification.

It would be like me saying I only spend $50 a week on groceries. Also $35 on meat but that falls in the protein category and $10 on soap but that falls into 'personal health'. etc.

Either way I guess I don't quite understand why someone would want to take out large amounts of cash, store it in a safe, carry hundreds around on them instead of just paying $5 a month to use a debit card. Or better yet keep paying $0 and use that same card as a cc. But to each his own I guess.

And on a completely different subject. When you have kids you don't have to be a shut in. My wife and I have three and still go out and have fun on a regular basis. We enjoyed going out to dinner, a bar, maybe a movie or gambling before we had kids, why would our tastes change because we are now parents. Maybe not as much but if anything you appreciate the occasional strip club until 4am outing even more. You don't have to be 'young, dumb and full of cum' to go out. With that attitude and your itemized fruit costs you sound you have become that cranky old man every neighborhood has.

mafia_man · 09-30-2011, 04:23 PM

Quote:

Originally Posted by PR_Glen

5$ a month? The average canadian will spend at least 2$ per transaction to get money from an atm, and that's only if they have spent the 9.95-15.95 monthly debit fee that waves the extra 1.50 per charge per transaction.

I'd love it if it was only 5$ a month! hehe

Free in the UK.

TheDoc · 09-30-2011, 04:27 PM

Quote:

Originally Posted by Atticus

Yeah, that's kind of what I was pointing out. You said $200 covers groceries, gas and entertainment. But your idea of entertainment is pizza delivery and renting a movie. Most people would refer to taking the wife out to dinner as entertainment also but you put it in it's own 'bs' classification.

It would be like me saying I only spend $50 a week on groceries. Also $35 on meat but that falls in the protein category and $10 on soap but that falls into 'personal health'. etc.

Either way I guess I don't quite understand why someone would want to take out large amounts of cash, store it in a safe, carry hundreds around on them instead of just paying $5 a month to use a debit card. Or better yet keep paying $0 and use that same card as a cc. But to each his own I guess.

And on a completely different subject. When you have kids you don't have to be a shut in. My wife and I have three and still go out and have fun on a regular basis. We enjoyed going out to dinner, a bar, maybe a movie or gambling before we had kids, why would our tastes change because we are now parents. Maybe not as much but if anything you appreciate the occasional strip club until 4am outing even more. You don't have to be 'young, dumb and full of cum' to go out. With that attitude and your itemized fruit costs you sound you have become that cranky old man every neighborhood has.

Most people don't take the wife out each week.

Whatever you want to think, we've been spending that for while now.

Because that's how I like to do it, it feels better and smarter to do it my way, to me.

Yeah, we enjoy going out sometimes too... but that doesn't cost much here. $20 in drinks here and you're trashed... that's two drinks in Vegas.

Not cranky at all, we live different lives.

Atticus · 09-30-2011, 04:44 PM

Quote:

Originally Posted by TheDoc

Yeah, we enjoy going out sometimes too... but that doesn't cost much here. $20 in drinks here and you're trashed... that's two drinks in Vegas.

I expect this misconception from tourists but it's surprising since you lived here. Big difference between the Strip (tourist Vegas) and local joints. I can go to a local bar just down the street, have a great time and drink cheap. Happy Hour here can be even better than in other cities, due to the increased competition. Hell, Hustler Club has a free open bar every day of the week from 4pm to 7pm (no cover either). Numerous places offer $1 beer Mondays.

And on an ironic note, I'm off to pick up a pizza and a $1 movie from RedBox. Maybe play some ToyStory with the 4 year old on PlayStation.

GatorB · 09-30-2011, 07:33 PM

Quote:

Originally Posted by Barefootsies

Did Congress Kill the Debit Card?

Nope. BofA did it. They can blame Obama or Congress or whatever but that's an excuse. A greedy corps will price gouge without any provocation because they give a shit about money and fuck the consumer. Blaming anyone but BofA on this is like blaming a rape victim for getting raped because she dressed too sexy.

GatorB · 09-30-2011, 07:36 PM

Quote:

Originally Posted by sperbonzo

wow.... you really don't understand how this stuff works do you.... Or how this type of price fixing by governments ALWAYS leads to FEWER choices in the market place for consumers....

Never mind. I have a feeling this would be a long conversation, which in the end would be a waste of time, no matter which of the countless examples of the consistent damage that price fixing does to the market and consumer choice I showed to you.

*sigh*

Figures your for greedy corps. Oy vay!

PornStarToys · 09-30-2011, 08:03 PM

Hopefully the PayPal debit card stays free. I love that thing and PayPal is hooked up to my BoA account so no need for my BoA debit card anyway.

DBS.US · 09-30-2011, 08:50 PM

Bank of America charges the $5 on your debit card to get you to use your credit cards more so they can make more money

.

Why the fuck anyone even ever uses a debit card? Give radome strangers access to your bank account?

Fraud protection
Debit cards do not give you the same fraud protection as credit cards do. The federal regulations are very different for debit cards than for credit cards when it comes to financial liability. When using a credit card, you are generally responsible for the first $50 of fraudulent charges, whereas your liability on many debit cards can be as high as $500. In addition, unlike a credit card, if there is a problem with your purchase, you are not able to withhold payment until further investigation by the credit-card company. If your debit card is stolen or lost, report it to your bank immediately. In many cases, if you wait more than 60 days to report your card lost or stolen, you could be responsible for all of the damages. Of course. always check with your bank to understand its policies and applicable state laws. Don't take this lightly: A recent study in 2007 put fraud losses from debit-card purchases at $245 million.

Lost or stolen cards
A debit card is like a blank check, so you need to guard the card and the number on the card. If your card gets stolen, a thief can empty your bank account in minutes. Thieves don?t even need your card. As long as they have your name and card number, they can shop online or over the phone with your card information. If your debit card is lost or stolen, call your bank immediately! Follow the phone call with a letter.
Protect your debit card by holding on to your debit-card receipts and checking them against your bank statement each month.
http://today.msnbc.msn.com/id/231298.../#.ToaPqa4lafs

Zoxxa · 09-30-2011, 09:00 PM

For all the things fucked up with America these days, this is what gets you guys pissed off?

Un-fucking-real.

Imagine if McDonalds stopped offering super sizing, jesus.

AdultRecruiting · 09-30-2011, 09:00 PM

how I love corporate america!

TheDoc · 09-30-2011, 09:51 PM

Quote:

Originally Posted by Atticus

I expect this misconception from tourists but it's surprising since you lived here. Big difference between the Strip (tourist Vegas) and local joints. I can go to a local bar just down the street, have a great time and drink cheap. Happy Hour here can be even better than in other cities, due to the increased competition. Hell, Hustler Club has a free open bar every day of the week from 4pm to 7pm (no cover either). Numerous places offer $1 beer Mondays.

And on an ironic note, I'm off to pick up a pizza and a $1 movie from RedBox. Maybe play some ToyStory with the 4 year old on PlayStation.

That's not really taking your wife out to "dinner" as you said... and strip clubs, and bar.. those places are not the local hub and happy hour joints, and not really known for being cheap.

This place is a shit hole man... it's old people and mostly Mexicans, we're one of the top cities for free things to do, for a reason. Don't bring Vegas down to our level... Vegas rocks, this place is a rock.

will76 · 09-30-2011, 09:54 PM

Quote:

Originally Posted by TheDoc

You wouldn't know how to handle a women like her....

You guys are young dumb and full of cum, go have fun. We you decide it's family time... sure you'll still have fun, but you aren't going out every weekend. Having a hell of a night, and having to wake up with infants or kids on weekends, early, is NOT how you treat yourself or your spouse, at least not very often.

Neither is a budget of like $150 a week for food and entertainment. You can barely eat beans and rice and rent a red box movie on that budget.

Kristen must be the bread winner, that $150 must be your allowance ;)

Jakez · 09-30-2011, 09:55 PM

Always hear nothing but negative things about BOA.

TheDoc · 09-30-2011, 10:09 PM

Quote:

Originally Posted by will76

Neither is a budget of like $150 a week for food and entertainment. You can barely eat beans and rice and rent a red box movie on that budget.

Kristen must be the bread winner, that $150 must be your allowance ;)

We've saved tens of thousands of dollars, yearly, in frivious costs all over the place, by being smart with our money and not flushing it down the drain, like your lazy ass...

So basically, your trying to trash talk me for your stupid ass being too lazy to watch your own money like a hawk.

I think 12clicks may have been right with you.. you're pretty god damn stupid.

Due · 09-30-2011, 10:14 PM

I could not imagine living without my debit cards, getting gas would be a total bitch. Whenever I get change back I just put them all in my pocket minus any coins I usually leave behind. I've been in the US now for about 2 years and I still can't figure out the difference between a penny or a dime or even their values

Just having to carry around a card for everything is by far the easiest way to go and well worth $5,-

Barefootsies · 09-30-2011, 10:46 PM

Quote:

Originally Posted by TheDoc

I think 12clicks may have been right with you.. you're pretty god damn stupid.

SomeCreep · 09-30-2011, 11:07 PM

I am so not voting for Obama next election. Somebody bring back Ronald Reagan.

PornStarToys · 10-01-2011, 01:03 AM

Quote:

Originally Posted by Jakez

Always hear nothing but negative things about BOA.

They're free, ATMs everywhere, amazing support, always refunded any fees charged to my account such as overdraft, and I called and said that I was meant to get $50 for signing up and never got it - they actually looked into the issue themselves without me having to ask again and gave me the money. I have nothing negative to say about them.

Harmon · 10-01-2011, 04:11 AM

I use Regions Bank and we are getting hti with something similar. $4/month for the debit and like $15/month for the checking unless you meet a minimum deposit/direct deposit threshhold in which case they wave the $15/month.

bDok · 10-01-2011, 08:36 AM

just use your credit card and pay the bill on time so you don't get charged shit. You get points that you then get free flights or other shit with. WIN WIN.

09-30-2011, 08:03 PM	#60
PornStarToys Confirmed User Industry Role: Join Date: Jul 2011 Location: A Whale's Vagina Posts: 581	Hopefully the PayPal debit card stays free. I love that thing and PayPal is hooked up to my BoA account so no need for my BoA debit card anyway. __________________ Porn Star Toys - Sex Toys Molded from Porn Stars! Sex Toy Craze

09-30-2011, 08:50 PM	#61
DBS.US Geo Cities Industry Role: Join Date: Aug 2003 Location: North Captiva Island, Florida USA Posts: 11,830	Bank of America charges the $5 on your debit card to get you to use your credit cards more so they can make more money. Why the fuck anyone even ever uses a debit card? Give radome strangers access to your bank account? Fraud protection Debit cards do not give you the same fraud protection as credit cards do. The federal regulations are very different for debit cards than for credit cards when it comes to financial liability. When using a credit card, you are generally responsible for the first $50 of fraudulent charges, whereas your liability on many debit cards can be as high as $500. In addition, unlike a credit card, if there is a problem with your purchase, you are not able to withhold payment until further investigation by the credit-card company. If your debit card is stolen or lost, report it to your bank immediately. In many cases, if you wait more than 60 days to report your card lost or stolen, you could be responsible for all of the damages. Of course. always check with your bank to understand its policies and applicable state laws. Don't take this lightly: A recent study in 2007 put fraud losses from debit-card purchases at $245 million. Lost or stolen cards A debit card is like a blank check, so you need to guard the card and the number on the card. If your card gets stolen, a thief can empty your bank account in minutes. Thieves don?t even need your card. As long as they have your name and card number, they can shop online or over the phone with your card information. If your debit card is lost or stolen, call your bank immediately! Follow the phone call with a letter. Protect your debit card by holding on to your debit-card receipts and checking them against your bank statement each month. http://today.msnbc.msn.com/id/231298.../#.ToaPqa4lafs __________________ Make a Free Chaturbate White Label site in 34 minutes and be making money tonight

09-30-2011, 09:00 PM	#62
Zoxxa Confirmed User Industry Role: Join Date: Feb 2011 Location: Ontario, Canada Posts: 1,026	For all the things fucked up with America these days, this is what gets you guys pissed off? Un-fucking-real. Imagine if McDonalds stopped offering super sizing, jesus. __________________ [email protected] ICQ: 269486444 ZoxEmbedTube - Build unlimited "fake" tubes with this easy 100% unencoded CMS!

09-30-2011, 09:55 PM	#66
Jakez Confirmed User Industry Role: Join Date: Jan 2004 Location: oddfuturewolfgangkillthemall!!!!!!! Posts: 5,656	Always hear nothing but negative things about BOA. __________________ [email protected] - jakezdumb - 573689400 Killuminati

09-30-2011, 10:14 PM	#68
Due Confirmed User Industry Role: Join Date: Mar 2001 Location: Murrieta, CA Posts: 3,620	I could not imagine living without my debit cards, getting gas would be a total bitch. Whenever I get change back I just put them all in my pocket minus any coins I usually leave behind. I've been in the US now for about 2 years and I still can't figure out the difference between a penny or a dime or even their values Just having to carry around a card for everything is by far the easiest way to go and well worth $5,- __________________ I buy plugs Skype: Due_Global /Due

09-30-2011, 03:41 PM	#52
seeric .......... Industry Role: Join Date: Aug 2004 Location: .......... Posts: 41,917	Just got an email back from USAA bank. They will not be, nor will they even consider passing on any of the fees to it's customers. Time for those of you under 27 to join the us military and get some of this bank. LOL.

09-30-2011, 09:00 PM	#63
AdultRecruiting Registered User Industry Role: Join Date: Aug 2011 Location: Fort Lauderdale Posts: 46	how I love corporate america!

09-30-2011, 11:07 PM	#70
SomeCreep :glugglug Join Date: Mar 2003 Location: Where the Wild Things Are Posts: 26,118	I am so not voting for Obama next election. Somebody bring back Ronald Reagan. __________________ Webair Hosting I use and recommend Webair for hosting.

10-01-2011, 04:11 AM	#72
Harmon ( ͡ʘ╭͜ʖ╮͡ʘ) Industry Role: Join Date: Mar 2004 Posts: 20,004	I use Regions Bank and we are getting hti with something similar. $4/month for the debit and like $15/month for the checking unless you meet a minimum deposit/direct deposit threshhold in which case they wave the $15/month. __________________ [email protected]

10-01-2011, 08:36 AM	#73
bDok Confirmed User Join Date: Feb 2005 Location: SD/OC/LA Posts: 1,917	just use your credit card and pay the bill on time so you don't get charged shit. You get points that you then get free flights or other shit with. WIN WIN. __________________ =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= Warriors come out to plaAAaayyy! =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=