The Whining and Bitching Thread

[Ben_t]

You don't have to worry about credit card interest if you pay off the damn thing every month

Exactly!

I've had a credit card for more than 12 years and have never paid any interest on anything.

I use my credit card for almost anything and I get 1% of the amount spent back. This option cost me 20$/year but I get back a lot more...

I have a 5000$ limit and I never put more on it than what I could afford if it was a debit card. The nice thing is that banks usually charge you for the amount of transactions that you make in a month...but I can make those transactions with my credit card and then transfer the money online which lowers the cost of my monthly transaction fees.

If used intelligently, a credit card is a great tool.

 

[Dak]

The nice thing is that banks usually charge you for the amount of transactions that you make in a month

Sounds like a shitty bank to me.

 

[Ben_t]

Sounds like a shitty bank to me.

Well I can't speak for your banks in American but they all do the same here. The only way to escape this is to have like 2000$ in your account that you never touch or to get a credit card.

Sorry, I forgot that American banks were a model to follow!

 

[Einherjar86]

Sorry, I forgot that American banks were a model to follow!

As are all things American.

And if you don't like it you can go back to Canadia, or wherever the hell you're from.

 

[V.V.V.V.V.]

Well, if your bank is charging you per transaction then...yeah, it's doing something fucking wrong. I mean US banks might suck and the corporate branches of many of them have led to the state we're in, but at least they don't blatantly fuck with their members.

 

[Einherjar86]

My car insurance kept charging me really small amounts (like twenty or thirty dollars every month). I just paid them because they weren't that large and I didn't want bad marks on my credit. When I got a bill for sixty dollars (it was the fourth one, I think) I finally called and asked why I was getting them. Apparently their office in Florida never notified their main branch that I'd received all my paperwork and insurance cards so they kept sending them to me and charging me for it. Fucking State Farm.

 

[Dak]

Well I can't speak for your banks in American but they all do the same here. The only way to escape this is to have like 2000$ in your account that you never touch or to get a credit card.

Sorry, I forgot that American banks were a model to follow!

Ah, you are from Canada. I worked for RBC's American branch (RBC Centura) for a little over a year (like 6 years ago now). RBC is a horrible bank, charged for everything.

American banks aren't in trouble for their deposit service practices, it is for their investment practices, or more specifically, investment and commercial being able to be under one roof.

 

[Chanakya]

^

And sub-prime lendings?

 

[Dak]

^

And sub-prime lendings?

Sub prime lending (which was created due to easy money from the Fed and bad legislation from the Clinton administration) is actually a smart part of the problem when compared to the trillions in toxic derivatives.

 

[Eligos]

I didn't know you moved to Alabama.

I swear I need to live in a city, at least for a while. It's nice being a special snowflake, but it sucks being a complete outsider. And a moderate independent is about as fucking left-wing as it gets around here. Yikes.

 

[Dak]

I swear I need to live in a city, at least for a while. It's nice being a special snowflake, but it sucks being a complete outsider. And a moderate independent is about as fucking left-wing as it gets around here. Yikes.

This prompts me to point out that "Left-Right" is a false paradigm mainly pushed by corporate/bankster controlled media to keep everyone busy fighting each other instead focusing on the real problems.

The only either-or would be more or les government, and both "right/left wingers" are pro more government, they just want different overtones.

 

[Eligos]

I would agree, Dakryn. I disagree with a lot of people here based on their religious views and their opposition to marijuana legalization (not in the whole city, just in this region).

Let it be noted that I am excited about Ron Paul's Campaign for Liberty and follow his vlogs and such.

 

[Ben_t]

Oh no! I've started a debate. It was just a joke.

Yes, all banks in Canada tend to charge for exemple 6$ for the right to make 20 transactions in a month...it's annoying but there are ways to avoid that by either leaving money in your account (which I find annoying as a checking account should not really be the place where I'm "saving" money) or using a credit card for just about everything and then transfering the money via internet.

 

[waif]

Sounds like a shitty bank to me.

My bank pays me about six cents every time I do a paperless transaction (debit).

 

[st3333phani3333]

I'm sick that I cannot get any of my paintings done and my teacher is hounding me about it.

 

[sevag00]

It's really frustrating for me that, i had to shave my 2 weeks old beard, because it really itches my skin like fuck when i don't. I can't live a single day without shaving (i don't know how i managed it in those 2 weeks), and i'm really tired of shaving everyday.

 

[st3333phani3333]

I know this may sound really dumb (and I wouldn't know anything because I am girl), but maybe you could of picked up some facial cream, oil, or some sort of lotion to soothe the itching. I mean, my brothers grow their beards out but they never complain so I am not sure what to have told you. I am sure shaving sucks. That is something I do myself and I hate it. But, I got to be fresh. Facial hair is the best on a guy though.

 

[Vimana]

Could have*

Of is a preposition, and never a helping verb.

 

[Pessimism]

It's really frustrating for me that, i had to shave my 2 weeks old beard, because it really itches my skin like fuck when i don't. I can't live a single day without shaving (i don't know how i managed it in those 2 weeks), and i'm really tired of shaving everyday.

You're a Swede are you not? Be grateful you're not as hairy as your great grandparents, knitting sweaters and shit out of body hair. Now this whole young generation of sleek slender hairless swedey-boy bullshit has got to end. It's time to go get fucking huge again, get massive and hairy and start carrying melee weapons to and from wherever you go. The past beckons, and only a few can answer that call (call of being a fucking MAN that is), so get to it; grow that fucking beard and rub ice on it to keep it from itching - better yet, let it itch and then go into a rage. There are no Egill Skallagrímsson's in existence now, so take advantage of it and accrue as much property through the defeat of your enemies and sheer testosterone fueled hair driven rages.

Take a train and pillage the shores of the U.K. for fucks sake.

 

[st3333phani3333]

Devasya Chāyā, really? Wow, I never knew that. I never pay attentioned in English, never. Thanks though.