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So your arguments are: 1. Visa/MC should be allowed to overcharge and we should all accept it because Visa/MC said so in their contracts. 2. You like using cr

So your arguments are: 1. Visa/MC should be allowed to overcharge and we should all accept it because Visa/MC said so in their contracts. 2. You like using credit cards, and things that you personally like should be free in 2024, and other people should pay extra to subsidize your personal preferences. I'm not convinced. I don't think your personal preferences will be enough to reverse the trend of businesses charging fair prices for different payment methods either. But you're welcome to try.

bdangubic 2y ago
1. yes 2. never said that. usage of credit cards should 100% NOT be free. the businesses should however offer it and pay whatever that costs
- TheDong 2y ago
  > the businesses should however offer it and pay whatever that costs So, in other words, you're in favor of a minor tax on those worse off than you, with poor credit score or otherwise can't get a credit card, so that you don't have to think about how your credit card company is ripping the merchant off. If the business doesn't write that "3% for credit card users" down, and 90% of their customers use credit cards, their logical next step is to instead increase the price of all items by 2.7%, which lets you save a minor amount of money by screwing over those who are worse off. If you just actively want to worsen the life of poorer people for your own benefit, well, I guess you're at least on the right site for it. May I recommend applying for the YC spring batch.
  - bdangubic 2y ago
    > So, in other words, you're in favor of a minor tax on those worse off than you, with poor credit score or otherwise can't get a credit card, so that you don't have to think about how your credit card company is ripping the merchant off. ugh I am not saying any of this... if you have cash - pay with cash. I do not want to get a benefit for paying with a card (though of course more and more places do not even take cash any longer) and when I say card I don't mean actual credit card, debit card works just as well. just don't charge me any different > If the business doesn't write that "3% for credit card users" down, and 90% of their customers use credit cards, their logical next step is to instead increase the price of all items by 2.7%, which lets you save a minor amount of money by screwing over those who are worse off. This is their problem, not mine. If they want to charge extra - that is fine. I won't pay extra. If every business charges extra than I won't have a choice but as long as there are places that don't I am spending my money there. > If you just actively want to worsen the life of poorer people for your own benefit, well, I guess you're at least on the right site for it. Where are you getting this from? why am I worsening life or poorer people?! What if a poor person does not have any cash on them but has a debit card - we gonna punish them for not carrying cash around?! It seems like you are arguing the opposite here or just assuming poor person = I carry wads of cash with me everywhere...?

bdangubic 2y ago

1. yes 2. never said that. usage of credit cards should 100% NOT be free. the businesses should however offer it and pay whatever that costs

TheDong 2y ago
> the businesses should however offer it and pay whatever that costs So, in other words, you're in favor of a minor tax on those worse off than you, with poor credit score or otherwise can't get a credit card, so that you don't have to think about how your credit card company is ripping the merchant off. If the business doesn't write that "3% for credit card users" down, and 90% of their customers use credit cards, their logical next step is to instead increase the price of all items by 2.7%, which lets you save a minor amount of money by screwing over those who are worse off. If you just actively want to worsen the life of poorer people for your own benefit, well, I guess you're at least on the right site for it. May I recommend applying for the YC spring batch.
- bdangubic 2y ago
  > So, in other words, you're in favor of a minor tax on those worse off than you, with poor credit score or otherwise can't get a credit card, so that you don't have to think about how your credit card company is ripping the merchant off. ugh I am not saying any of this... if you have cash - pay with cash. I do not want to get a benefit for paying with a card (though of course more and more places do not even take cash any longer) and when I say card I don't mean actual credit card, debit card works just as well. just don't charge me any different > If the business doesn't write that "3% for credit card users" down, and 90% of their customers use credit cards, their logical next step is to instead increase the price of all items by 2.7%, which lets you save a minor amount of money by screwing over those who are worse off. This is their problem, not mine. If they want to charge extra - that is fine. I won't pay extra. If every business charges extra than I won't have a choice but as long as there are places that don't I am spending my money there. > If you just actively want to worsen the life of poorer people for your own benefit, well, I guess you're at least on the right site for it. Where are you getting this from? why am I worsening life or poorer people?! What if a poor person does not have any cash on them but has a debit card - we gonna punish them for not carrying cash around?! It seems like you are arguing the opposite here or just assuming poor person = I carry wads of cash with me everywhere...?