If social media posts cost 0.01, things would be way better.
Agreed, but let's not stop at a penny.
I just lost my wallet on the way home from work
21–30 of 562 posts
Re: I just lost my wallet on the way home from work
#22My bank only seems to allow 12 characters.
Why is that? What am I even supposed to do with 12 characters?
Re: I just lost my wallet on the way home from work
#23This is neat! I once found someone’s debit card on the street (in the US). It had a small face shot on it, so I found them on Facebook and sent them a message. Of course, Facebook had already started doing the “messages from non-friends are really hard to find lol” UI dark pattern, so like two years later the woman responds thanking me, but also saying she just canceled the card. Which is what I would’ve done, but I…
"Dark pattern". Do you know how many unsolicited messages women receive on Facebook ?
This is a legitimate concern, but the way to combat isn't to silently hide messages behind unfamiliar UI. For a contrast, consider email junk filters, which generally serve a similar purpose but are accessible enough to easily scan through in case of legitimate messages being lost.
Re: I just lost my wallet on the way home from work
#24Earlier quoted context omitted.
At the very least with european SEPA transfers and their predecessors, but I would have assumed pretty much all bank transfers where you send money support some way to put a message - how else would you map incoming transactions from previously unknown senders to what they're for?
In the US, AFAIK the only metadata you get with a direct / ACH deposit is the sender's "name", usually the company name. I assume that you can't easily change this per transaction. US banking infrastructure is decades behind the rest of the world in many areas. You can include a memo on a paper check though.
So if you were paying an invoice, is there no way to add the invoice number/reference to the transaction? Do people pay everything with cheques?
Re: I just lost my wallet on the way home from work
#25Earlier quoted context omitted.
In the US, you pay $16 to send a wire and $16 to receive a wire. So, wires are not as common as in Europe. On the other hand, ordering your bank to print a paper check, and send it through postal mail is free of charge.
In the Eurozone, banks are prohibited to ask money for Euro-denominated transactions. They're also mostly instantaneous. I don't do many though, other payment options are easier (e.g. authorize companies to just take recurring payments from my account).
They are not prohibited (I pay for them on my business account). They just need to price domestic transactions the same as EU-internal ones – which often results in free transfers.
Re: I just lost my wallet on the way home from work
#26Earlier quoted context omitted.
In the Netherlands, for at least the last 35 years, transaction forms have a field "Description" where you can enter arbitrary text. Originally on paper, now electronically. Is that in any way remarkable?!
In the US, you pay $16 to send a wire and $16 to receive a wire. So, wires are not as common as in Europe. On the other hand, ordering your bank to print a paper check, and send it through postal mail is free of charge.
$16 to pay someone? How do you do something like transfer your friend some money? Or pay someone who did some work for you?
Here in New Zealand you'd tend to get their bank account number and send them a (free) direct deposit through your bank's Internet banking service. Until very recently that was also the main payment method for our eBay auction site equivalent TradeMe (they've now started a sort of PayPal clone called Ping so that they can skim a little extra from each auction).
But I've heard people can potentially withdraw money from your account if they have your account number in the US?
Re: I just lost my wallet on the way home from work
#27This is neat! I once found someone’s debit card on the street (in the US). It had a small face shot on it, so I found them on Facebook and sent them a message. Of course, Facebook had already started doing the “messages from non-friends are really hard to find lol” UI dark pattern, so like two years later the woman responds thanking me, but also saying she just canceled the card. Which is what I would’ve done, but I…
"Dark pattern". Do you know how many unsolicited messages women receive on Facebook ?
If it's deceitful, I think it's fair to call it dark pattern, even if the deceit is done with good intentions.
Re: I just lost my wallet on the way home from work
#28My bank only seems to allow 12 characters. Why is that? What am I even supposed to do with 12 characters?
send them the name of a file in your very old version of DOS?
Re: I just lost my wallet on the way home from work
#29This is neat! I once found someone’s debit card on the street (in the US). It had a small face shot on it, so I found them on Facebook and sent them a message. Of course, Facebook had already started doing the “messages from non-friends are really hard to find lol” UI dark pattern, so like two years later the woman responds thanking me, but also saying she just canceled the card. Which is what I would’ve done, but I…
You can do a picture search on Facebook?
Re: I just lost my wallet on the way home from work
#30This is neat! I once found someone’s debit card on the street (in the US). It had a small face shot on it, so I found them on Facebook and sent them a message. Of course, Facebook had already started doing the “messages from non-friends are really hard to find lol” UI dark pattern, so like two years later the woman responds thanking me, but also saying she just canceled the card. Which is what I would’ve done, but I…
You can do a picture search on Facebook?
They would have looked up the name and then found the matching profile pic to narrow it down.