Games
Welcome to the largest gaming community on Lemmy! Discussion for all kinds of games. Video games, tabletop games, card games etc.
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Authorized Regular Threads
Related communities
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Video games
Generic
- !gaming@Lemmy.world: Our sister community, focused on PC and console gaming. Meme are allowed.
- !photomode@feddit.uk: For all your screenshots needs, to share your love for games graphics.
- !vgmusic@lemmy.world: A community to share your love for video games music
Help and suggestions
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- !AutomationGames@lemmy.zip
- !Incremental_Games@incremental.social
- !LifeSimulation@lemmy.world
- !CityBuilders@sh.itjust.works
- !CozyGames@Lemmy.world
- !CRPG@lemmy.world
- !OtomeGames@ani.social
- !Shmups@lemmus.org
- !VisualNovels@ani.social
By games
- !Baldurs_Gate_3@lemmy.world
- !Cities_Skylines@lemmy.world
- !CassetteBeasts@Lemmy.world
- !Fallout@lemmy.world
- !FinalFantasyXIV@lemmy.world
- !Minecraft@Lemmy.world
- !NoMansSky@lemmy.world
- !Palia@Lemmy.world
- !Pokemon@lemm.ee
- !Skyrim@lemmy.world
- !StardewValley@lemm.ee
- !Subnautica2@Lemmy.world
- !WorkersAndResources@lemmy.world
Language specific
- !JeuxVideo@jlai.lu: French
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I don't think they realize how much worse their brands look now, after starting all this shit...
I want to cancel ally visa and mastercard cards and never give them my business ever again after this
This might just be my insomnia talking, but I thought a reasonable idea might be to call and reduce the available credit by however much is comfortable. For me, it would be fairly reasonable to reduce it by 50%. I assume they use some kind of magicians handshake to value their company based on how much potential credit is out there... Maybe it'd do nothing though. Anyone know?
You guys use them for actual credit? To me it seems that in Europe they are mostly used as a debit card directly charging your account, but compatible with the global payment processing of them.
I thought credit was the main selling point.
You have an account that earns interest?
Last time I saw that was as a child.
But then again I was able to get a loan for my house at ridiculously low interest, so I'm not complaining too much.
HYSA exist. My checking account earns a pittance.
You can occasionally find high interest checking accounts too, but they tend to have weird strings attached
Well think of it like this. I keep an amount in my checking account (basically no interest) to cover the credit card bills. Extra I move out to an online savings account that does have a ddcent interest rate. By having a date when the CC bill comes due, I can check once a month (7 days before due) and move money if needed to cover the bill. So while the checking has practically no interest, I was getting close to 5% on the savings for a while. Still a far stretch from the 12% cds I got as a kid, but it's something.
Yep, like this one, though it could earn more in bonds or investments.
Low-interest loans are great, too: if they don't need to be repaid right away, they can be leveraged to earn back more than their cost.
This will do nothing except hurt your own credit score as your credit utilization will be higher
I am not a financial guru so hopefully someone will correct me if I’m wrong about this, but your credit score is affected positively the more available credit you have. So by voluntarily lowering your available credit, you’re actually hurting yourself way more than the card companies. At least I think that’s how it works, or rather one of many factors.
Amex is still reasonably good.
Amex charges up to 14% of every transaction. If a place takes it, they are almost always ripping you off.
Amex typically charges between 1.7 and 3.3%.
As someone who does not take amex they want to charge me between 7% and 14%. Maybe if I did more sales they would not charge as much, but the reason amex is not taken in as many places as mastercard or visa is the 7% to 14%.
Does it really matter when you're a duopoly and equally bad as one another?
Until they're not, and any competition now has the NSFW and LGBT markets to themselves