Today I learned that random people can send you money on PayPal and disputed it

Post by Pamar » Wed, Aug 16, 2023, 9:20 AM UTC

lesserknowndan wrote: post #47

Pamar wrote: post #41

Earlier quoted context omitted.

This is super interesting to me. I am an amateur artist and I publish my stuff on instagram (@pamar). In the last year I had multiple cases of people contacting me out of the blue and asking if I could draw a picture of their nephew's favourite dog (it is always a dog, and it is always for their nephew whose birthday is coming soon so there is an implicit sense of urgency). I never actually pursued this stuff because…

Apparently, read this somewhere else, the scam is that they will then change their mind and ask you to refund the money (probably suggesting you send it to them to avoid the refund fee). Once you have refunded the money, they then claim the original payment. So they started with $100 and now they have $200.

Post by utucuro » Wed, Aug 16, 2023, 9:39 AM UTC

freetanga wrote: post #44

FartyMcFarter wrote: post #30

Earlier quoted context omitted.

Plenty of people have credit cards in Europe. In 11 countries, the majority of people do, in fact: https://www.theglobaleconomy.com/rankings/people_with_credit...

A same-bank-as-your-cash-account credit card set up for full payment at the end of the month, so there is no financing. Technically a CC, feels like a DC. Thats my experience in EU a I worked in Banking in many countries .

Post by BrandoElFollito » Wed, Aug 16, 2023, 9:42 AM UTC

FartyMcFarter wrote: post #30

BrandoElFollito wrote: post #20

Earlier quoted context omitted.

Almost nobody in Europe uses credit cards. We use debit cards, various types (immediate, deferred, ...). It was also the case 10-15 years ago. The usage has became much higher, but it was already all right by then. Except Germany, for cultural reasons.

Plenty of people have credit cards in Europe. In 11 countries, the majority of people do, in fact: https://www.theglobaleconomy.com/rankings/people_with_credit...

Post by BrandoElFollito » Wed, Aug 16, 2023, 9:48 AM UTC

utucuro wrote: post #53

freetanga wrote: post #44

Earlier quoted context omitted.

A same-bank-as-your-cash-account credit card set up for full payment at the end of the month, so there is no financing. Technically a CC, feels like a DC. Thats my experience in EU a I worked in Banking in many countries .

My reason for getting a credit card as soon as possible when I moved to Germany, was being able to switch the country of residence of some of my services to Germany, because they only accepted a local credit card as proof of residence here. Google was the main culprit in this regard. Mind you, the credit card itself is a serious joke - it's designed to be useless as far as I'm concerned. You cannot change the billing…

Post by fmajid » Wed, Aug 16, 2023, 10:16 AM UTC

zimpenfish wrote: post #39

seanhunter wrote: post #11

Earlier quoted context omitted.

At the moment I use paypal when my bank rejects a credit card transaction due to fraud risk. For example this happened yesterday when I tried to make a payment to a (very reputable) educational institution for an application fee. This is by no means a high risk transaction. In fact I would go so far as to say the payment could never in a million, billion, Brazillian years be fraud, but it was rejected. But they take…

> I think some UK banks are much more trigger-happy than the global average For a good year, Barclays would ask me if my monthly Oyster purchase, for the same cost, at the same station, on roughly the same day of the month, was actually me doing it. Natwest, similarly, have blocked my "early September, about £1200, to Apple" payment for 5 years in a row now. It's infuriating.