• 0 Posts
  • 22 Comments
Joined 1 year ago
cake
Cake day: July 11th, 2023

help-circle


  • Here, those charges normally hit our debit cards - not the account itself in the sense that a direct debit skips the card and basically functions like a check/cheque.

    Nothing on the card, it declines, they can’t charge.

    We used to use EFT with our ancient transfer system, still do for direct deposit payroll and such, but otherwise it’s all cards here. Very few people use account transfers. so none of that is a risk here. It takes two or three business days, and the merchant has zero visibility into whether or not the transaction will actually approve at the time they make the sale. Online merchants wouldn’t send items without cleared payment, but very few even use those transfers anymore because there’s just no information on whether the customer actually has the money or not.

    In the airline example, they never would have gotten their money unless they were ok with making a very big problem out of it - most companies wouldn’t, and most companies would not pursue someone who owed them some nominal amount.

    Credit cards don’t work like that here, they approve whether you want them to or not unless they’re locked, but debit cards lend themselves to sequestering money like that in multiple accts.


  • Edit: I wrote the reply before noticing that I was not in a US-centric sub. That’s on me. But the general premise of “No, you can’t autodebit” or “Sure, I’ll let you think you can auto-debit. Doesn’t mean I’ll have it turned on at that moment” still holds.

    Fidelity does not have an upper limit on the number of cash management accounts one can have. At least not one that I’ve discovered, as yet.

    I’ve been doing this for years, but for me it’s more about sequestering money away from the card that I actively use. Ever sat there for a couple days and realized just how many times Apple will try to hit your card(s) the same day? Same with Amazon.

    If that card approves, it’s because I’m explicitly trying to pay you, not because some company decided they want to be more aggressive with the autopay.

    I don’t use Zelle etc for that, when I can help it - look at who runs that service. Yeah, no, not giving you even more data so you can make assumptions about my behavior and intentions.

    In addition, I’ve found multi-currency cards with the ability to set aside money to be useful in the same way. I absolutely do not have trust or a prior relationship with everyone I’m paying over the course of a month, which means I want more control over that process than I normally get.

    Is it a pain in the ass sometimes? Sure. But it’s also annoying to have to unlock cards when I want to use them - doesn’t mean that I forego that extra security. The alternative is bad.


  • I’m within commuting distance of Chicago, on the Illinois side of the line. For clarity, I don’t make that commute - I’m totally done spending hundreds of dollars a month and my valuable personal time on commuting.

    Illinois is supposedly around $49k. That’s low for Champaign county, and clearly does not account for Chicago in a reasonable way.

    The real numbers are far more depressing, and less reasonable. Factor in the variations from e.g., Springfield (median income $32k) vs Cook and Lake Counties, and it’s even less accurate.










  • IIRC the OP had what sounded a lot like paranoid delusions, and sought reddit’s help - someobody figured out there was a CO leak and the guy was stable and mentally healthy except for the CO…

    Alternative was him walking into a police station in an altered state trying to report people doing arguably crazy sounding things to him, which would have ended very poorly in many places.