kill every banker on the face of the planet until no one can even remember the phrase “interest rate” anymore
RT: https://poa.st/objects/5e35c9e4-ed3e-47d3-893a-ea7e1f0e3295
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@Turdicus
if you pay it off early, you've stolen the interest they would have made
if you pay it off early, you've stolen the interest they would have made
)) 🍉
Interest rate? Rock-bottom, nigger, I get no interest from any foids, I'm incel.
That's horse shit. Mine shot through the fucking roof.
@Turdicus credit card debt isnt even allowed here. Or at least I wouldnt know how to get it. They just take the money from your bank a month later and thats all a credit card does here
those are called "charge cards" here. they're uncommon but do exist
@vonzeppelin @Turdicus
>ask for credit card
>get charge card
???
well whatever. Cultural difference I guess.
>ask for credit card
>get charge card
???
well whatever. Cultural difference I guess.
I want a credit card with 100k limit and 1% interest...
@cjd @Turdicus @vonzeppelin I only need it for online purchases where they dont offer paypal, klarna or just normal debit. Most germans dont have one
Is there a real differentiation between credit and debit?
Here it's like "Visa" and you don't really know if it's being pulled out of your account instantly or getting settled at the end of the month.
I know in the US they have this weird thing where they ask you if they should run the card as credit or debit, so I guess they have 2 parallel charge systems...
Here it's like "Visa" and you don't really know if it's being pulled out of your account instantly or getting settled at the end of the month.
I know in the US they have this weird thing where they ask you if they should run the card as credit or debit, so I guess they have 2 parallel charge systems...
@cjd @Turdicus @vonzeppelin debit is a different card that you always get and germans pay with that for everything irl. Credit card is basically not needed and never used. I only really encounter them when an employer gives me one to buy something. But those are charge back cards too
Is a German debit a Visa thing that works in other countries, or is it some German-only payment network?
@cjd @Turdicus @vonzeppelin it's a seperate system so I cant really use it for steam games and such. You have to give written permission to companies like amazon and then they "take" it from your bank account. No credit card needed
@cjd @teto @Turdicus @vonzeppelin germany has no german-only payment networks anymore, they closed them all down.
@cjd @Turdicus @vonzeppelin I was at a small "online bank" once that did have that visa hybrid thing but not since.
So what you normally have is Gyrocard only and does not have the traditional Visa/Mastercard thing with a number + expiration + code ?
@cjd @Turdicus @vonzeppelin no it only has a very long number that starts with "DE" and you give that to employers and whatever so they can send you the money. And when it's "taken" from the account you have to sign something first. Thats how most rents are paid, or amazon bills. Automatically but without that "3 numbers on the back" stuff that credit cards have
@cjd @teto @Turdicus @vonzeppelin
>Gyrocard
Is that like a punch card you get at the Greek food truck?
>Gyrocard
Is that like a punch card you get at the Greek food truck?
I see... In France they have the Carte Bleu system, but that's just a backend execution layer for cheap settlement between French banks. Every card in France has a Visa number so they're usable anywhere. They do have the settle at the end of the month thingy...
But I typically use wise.com because it's easier than French banks, and they'll give you bank details in any country you want so you can invoice global customers... They issue a Visa card and money is removed from the account instantly.
But I typically use wise.com because it's easier than French banks, and they'll give you bank details in any country you want so you can invoice global customers... They issue a Visa card and money is removed from the account instantly.
> Deutsche Bank
You're brave 😂
You're brave 😂
@cjd @Turdicus @vonzeppelin I recently had to give a friend my "IBAN" (the long number thing on the debit card) because he doesnt even have paypal. Many germans dont want to use any "tech" that touches their bank accounts. Like a dragon hoarding gold
@cjd @Turdicus @pepsi_man @vonzeppelin who else would give a 26 year old a mortgage during his first 2 months at a new job?
I don't blame him, PayPal is the devil.
SEPA transfers w/ IBAN are really easy. One of the nicest systems as a user.
Sending international USD wires will make you want to KYS.
SEPA transfers w/ IBAN are really easy. One of the nicest systems as a user.
Sending international USD wires will make you want to KYS.
Oh, you owe THEM money...
🍻
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@teto @cjd @Turdicus @pepsi_man @vonzeppelin Hasn't MasterCard phased out the Maestro brand already?
@Phobos @cjd @Turdicus @pepsi_man @vonzeppelin well then how do I use my debit card to buy groceries still? At the post office they only accept the debit card even, no visa or normal mastercards
I haven't seen it marketed in years.
@cjd @teto @Turdicus @pepsi_man @vonzeppelin Existing cards still work I guess, just that no new ones will be issued.
https://www.mastercard.com/news/europe/de-de/newsroom/pressemitteilungen/de-de/2023/die-ec-karte-unserer-zeit-maestro-geht-debit-mastercard-kommt/
https://www.mastercard.com/news/europe/de-de/newsroom/pressemitteilungen/de-de/2023/die-ec-karte-unserer-zeit-maestro-geht-debit-mastercard-kommt/
@cjd @Phobos @Turdicus @pepsi_man @vonzeppelin I guess ill get a new one with the "mastercard functionalities" then eventually. But it will probably still have the "german" IBAN stuff and no "3 numbers on the back"
@Phobos @cjd @Turdicus @pepsi_man @vonzeppelin
>43 percent of Germans expect to be able to use their card for online payments
you can tell that half of all germans are older than 50 by this alone lol
>43 percent of Germans expect to be able to use their card for online payments
you can tell that half of all germans are older than 50 by this alone lol