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Joined 3 years ago
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Cake day: July 10th, 2023

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  • There is no annual fee. I only use it at places where there is no surcharge for using a credit card. And this is only worthwhile if you pay it off every month so you aren’t paying interest.

    You’re right that there is no free money and it is a cut of the merchant fees. It’s kinda fucked because places that charge the same for cash and credit have to charge more to cover the merchant fees and then people with good credit and good credit cards get a kickback while everyone else pays the inflated prices or even worse, get hit with ripoff fees and interest.

    I try to use cash or debit at small local businesses so they aren’t getting slammed with fees, but places like that are usually pretty quick to add surcharges for credit cards.

    Side note, in the US the CC companies used to be able to refuse to do business with anyone who charged a different price for cash vs credit. Since losing the ability to take payments via Visa or Master Card would be super detrimental to most businesses, only the most under the radar mom and pop shops added CC surcharges. There was a recent court case where this was basically struck down so now we’re seeing CC surcharges getting added on at all kinds of places. We seem to be in a weird transition but I think this will eventually get us away from this situation where poor people end up subsidizing the credit card rewards for rich people.




  • To be clear, I’m not trying to “put this on the working poor”. I 100% get why most people aren’t in a position to act. Most people live paycheck to paycheck. This is not a safe place to risk your job, doing so is often risking your life (or your kids lives).

    The GOP, the political donor class and their supporters are absolutely awful and deserve the blame. However, we can’t pretend that we are 100% helpless to stop them. When we think about Nazi Germany, do we think “well, the average German didn’t really have control over the situation?”


  • Yes, and no. Yes the GOP is pushing for all of this madness and obstructing any efforts to reign it in. But as much as it pains me to admit, most people in the US bear some culpability. In theory, if everyone old enough and well enough to do so unsupervised, traveled to their state capital or major city and basically flooded the streets with protesters, effectively halting all traffic and commerce, and refused to move until Trump was gone and the war was stopped, this shit would probably stop. Similarly, if everyone refused to work or spend any money, aside from the absolute bare minimum, this shit would stop. Of course there are a million reasons why this won’t happen. It weighs heavily on me that I’m still paying taxes and generally behaving despite the clear need for drastic action.