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Credit card debt collection

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Re: Credit card debt collection

#561

Post by PrimeMcFly »

pierat wrote: post #529
MerelyMortal wrote: post #496

Earlier quoted context omitted.

Yes, otherwise it sounds like you're changing the subject. No, it costs whatever the visas and transportation costs. I've never heard of anyone not being allowed to leave a country because of student debt.

No, getting rid of my citizenship costs $3500 plus all my student debt. Ive been told countless times "if you dont like it here, leave". And I cant.

You absolutely can. Keeping your citizenship only means you would owe taxes on foreign income, not that you can't leave.

Re: Credit card debt collection

#562

Post by leereeves »

hiatus wrote: post #558
FireBeyond wrote: post #546

Earlier quoted context omitted.

You should read this: https://newrepublic.com/post/173675/supreme-court-just-used-... > Puzzlingly, before she actually filed the first suit in 2016, Smith had apparently never designed a wedding website. Even weirder: She had never apparently been asked to provide services to a same-sex couple up to that point either. And the customer who "requested" the site was fake, too: > But after The New Republic reached out t…

That whole case seems like a mess. > It was later discovered by The New Republic that Smith had made a wedding website for a heterosexual couple in 2015, which had been removed from her business's profile prior to her filing the case but remained visible in the Wayback Machine archives https://www.theguardian.com/law/2023/jul/25/lgbtq-rights-sup...

Of course it was removed from her business's profile. Under Colorado law she wasn't allowed to offer to create any wedding sites unless she was willing to create LGBT wedding sites.

She wasn't, so she removed references to wedding sites. Why do you find that strange?

Re: Credit card debt collection

#563

Post by b112 »

me-vs-cat wrote: post #560
brewdad wrote: post #549

Earlier quoted context omitted.

No, but they might want to turn away a specific employee for an otherwise protected reason. Don't want to hire a black employee? Run a credit check. Statistically, black individuals have lower credit scores than white individuals. Deny them a job based on their credit score.

While that makes some sense, I'm apparently having a hard time getting over my conception that a private business would ever give the rejected candidate a specific reason they weren't offered the position. Surely this is cultural on my part.

In the past, this was common.

People would tell you why, and as a result, you might be able to respond with a reason, or, fix the perceived deficiency.

Now everyone is afraid of being sued, and all sorts of court cases in the last decade or two, validate that fear.

So now no one tells, and therefore, no one knows why.

And so, you never get a chance to explain, or give context, or even prove a mark against you is in error.

Sometimes, social justice solutions can backfire.

Re: Credit card debt collection

#564

Post by developer93 »

sokoloff wrote: post #264
developer93 wrote: post #240

Earlier quoted context omitted.

The advantage to the company with rewards is they get to keep your money while you think about how to spend it and you might never spend it. See gift cards & book tokens too, what a scam.

Right now, the bank that issued my credit card has just under $2000 worth of accumulated rewards that I haven't gone to push the buttons to convert to cash in my account. If I'd consistently used a debit card instead to make those purchases, there wouldn't be any such balance, but I also wouldn't have any more money either. I don't quite see this as being something where I should change my behavior in order to avoid…

Or, you know they could just pay it in without you doing anything. While that's sitting there as rewards you don't get interest on it but they can still use it.

Re: Credit card debt collection

#565

Post by NoMoreNicksLeft »

FireBeyond wrote: post #544
NoMoreNicksLeft wrote: post #432

Earlier quoted context omitted.

> A bad credit score doesn't really mean you've made bad choices. It doesn't necessarily mean this, sure. But, if we found a thousand people with bad credit scores and did a deep audit, we wouldn't discover 1000 who had unavoidable, unpredictable misfortune. We likely wouldn't even find 500. > Shit happens, and it is naive to think I've heard alot of "shit happens" excuses over the years. Few of them struck me as "no…

> Funnily enough, I work adjacent to a company called Rent Dynamics, and one of the features that they offer is positive credit reporting for those who pay the rent on time. There are others that do this too. I actually feel that such companies should not be allowed to report a tradeline. No company / landlord (and doubly so when you go with, as you say, 'not-quite-slumbs') is offering you rent in arrears. You're pay…

Thank you for this comment. You have shared an insight I had not come to see on my own. I doubt I would have come to it by myself.

> Let's be real, companies like yours real customers are landlords/property managers, not tenants.

They are very much so. But if we can help them be more attractive to their customers (renters), then our own products might be more sought after. Or at least that's the theory my bosses operate from.

Re: Credit card debt collection

#566

Post by jkaplowitz »

Tijdreiziger wrote: post #556
jkaplowitz wrote: post #551

Earlier quoted context omitted.

I’ve definitely seen some places in Europe that only take credit cards from within Europe, such as the French mobile phone provider SFR, and others that charge extra fees for non-European cards, such as the German airline Lufthansa. So whatever set of conditions leads to the outcome you’re describing might be specific to the Netherlands. Most merchants I’ve seen within Germany don’t treat European credit cards any di…

That's interesting; major Dutch banks ING [1] and Rabobank [2] say that acceptance of non-EEA credit cards will be mandatory, with ING explicitly stating that this is due to MasterCard and Visa rules: > 5. What if I don’t want to accept credit card payments? > While there is no immediate need to make this change, by the end of 2024 all merchants will be obliged to accept all card products from Mastercard and Visa, un…

From your quote, it sounds like the ability to exclude EEA credit cards will only to ones "that are in the scope of the Interchange Fee Regulation, article 10", with other EEA credit cards still being mandatorily accepted. Am I misreading?

Re: Credit card debt collection

#567

Post by abxytg »

doubleg72 wrote: post #22
abxytg wrote: post #18

Earlier quoted context omitted.

You are my hero

[flagged]

You standing on this system like it is worth defending is pathetic. You are lower than a worm if you can't see the inhumanity of the system and how defending it is anti-human. If I heard you say something like this in person you wouldn't do it again.

Re: Credit card debt collection

#568

Post by drekipus »

flangola7 wrote: post #552
drekipus wrote: post #453

Earlier quoted context omitted.

Not to your definition of morals. Surely you can see that, right?

Morality is not subjective. There are definitions of that are more correct than others. Otherwise laws and prosocial behavior would be impossible to define.

It is subjective. They are "more correct" from your historical context.

Assuming you're in a western nation, this means a Christian context.

Other nations and religions see it as immoral to eat pig or be homosexual. You might say they are "less correct" definitions, but that is from the Christian ancestry of which the western world was built from.

Counties that don't come from Christian roots, don't have the same moral definitions.

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