4 ms·

Maybe this is just a regional thing, but why in the world are you trying to pay for takeout with PayPal? If I'm with friends, one of us pays with a credit card

by wyager 10y ago

Maybe this is just a regional thing, but why in the world are you trying to pay for takeout with PayPal? If I'm with friends, one of us pays with a credit card or cash and the rest of us give them cash or square cash/venmo/bitcoin/whatever is mutually agreeable. Half the point of a credit card is that transactions are repudiable for like 6 months, so if some careless food joint gets your credit card info stolen, it's not a huge inconvenience. You just call your bank, reverse the transaction, and get a new card in the mail in a day or two. The real solution, of course, is to have push-based rather than pull-based digital payment systems, but consumer finance moves slowly.

mulmen 10y ago
This happens to me at least once a year but I still consider it a huge inconvenience. Two days is an eternity, especially to be without my primary card. I don't wait that long for socks from Amazon. One day is generally my expectation at this point and for a lot of things it's same day. I'd really like to see banks/card companies step up their game in getting new cards out to people.
- lucaspiller 10y ago
  Talking about the time it takes to get something, passports in the U.K. are ridiculous. I had mine stolen a few years ago while abroad, and had to get a replacement from my embassy. They gave me a one-time-use 'emergency passport', which looks basically the same as a normal passport except it's smaller and I guess doesn't have biometric features - inside it looks the same. It took them a total of 1 hour to make it. When I came home I needed a new one as I was supposed to be moving abroad a couple of weeks later. The earliest appointment (which is supposedly faster than doing it by post) they could give me was after 1 month, and after that I still had to wait a week for it to arrive. My wife is from Lithuania (EU country) and when we got married she went to the passport office (just walk in and wait) and got a new passport the next day.
wlkr 10y ago
None of us (students) had credit cards and we frequently used PayPal to cover the scenarios you mentioned. As a group it just became easy to all use the one app for requesting/sending smaller amounts of money. You can do it through a phone number which makes it quite simple even if it's not the best way.
everly 10y ago
Well, for me, once I reach the payment screen and have the option of pulling out my wallet and typing in my card information vs simply entering my PayPal credentials, which I have memorized, it's any easy choice.
- morganvachon 10y ago
  Maybe it's a bad habit, but I have my card numbers, expiration dates, and security codes memorized. I'm that way with random strings though; I know the VINs to all of my vehicles, and I even have the license key to my old Windows 98SE disk rolling around in my head, fifteen years after the last time I reinstalled it. It's not quite a useless talent, but it's certainly a boorish one.
  - everly 10y ago
    If only my bad habits were so useful.

by wyager 10y ago

mulmen 10y ago

This happens to me at least once a year but I still consider it a huge inconvenience. Two days is an eternity, especially to be without my primary card. I don't wait that long for socks from Amazon. One day is generally my expectation at this point and for a lot of things it's same day. I'd really like to see banks/card companies step up their game in getting new cards out to people.

lucaspiller 10y ago
Talking about the time it takes to get something, passports in the U.K. are ridiculous. I had mine stolen a few years ago while abroad, and had to get a replacement from my embassy. They gave me a one-time-use 'emergency passport', which looks basically the same as a normal passport except it's smaller and I guess doesn't have biometric features - inside it looks the same. It took them a total of 1 hour to make it. When I came home I needed a new one as I was supposed to be moving abroad a couple of weeks later. The earliest appointment (which is supposedly faster than doing it by post) they could give me was after 1 month, and after that I still had to wait a week for it to arrive. My wife is from Lithuania (EU country) and when we got married she went to the passport office (just walk in and wait) and got a new passport the next day.

wlkr 10y ago

None of us (students) had credit cards and we frequently used PayPal to cover the scenarios you mentioned. As a group it just became easy to all use the one app for requesting/sending smaller amounts of money. You can do it through a phone number which makes it quite simple even if it's not the best way.

everly 10y ago

Well, for me, once I reach the payment screen and have the option of pulling out my wallet and typing in my card information vs simply entering my PayPal credentials, which I have memorized, it's any easy choice.

morganvachon 10y ago
Maybe it's a bad habit, but I have my card numbers, expiration dates, and security codes memorized. I'm that way with random strings though; I know the VINs to all of my vehicles, and I even have the license key to my old Windows 98SE disk rolling around in my head, fifteen years after the last time I reinstalled it. It's not quite a useless talent, but it's certainly a boorish one.
- everly 10y ago
  If only my bad habits were so useful.