/ck/ - Food & Cooking

I'm sorry but I don't carry cash. Please may I have it free?

>>9865374
>Going to StarCucks to get a caffeinated milkshake in the first place

>>9865374
Why didn't you tell me that before I ordered you worthless roastie? Get me the manager right now.

>>9865374
Who the fuck pays for small items on credit?

>>9865404
Literally everybody over the age of 14. Do you not understand how to properly build credit lines?

>>9865404
Why does it matter?

>>9865404
>he doesn't have multiple credit cards with different cashback rewards to optimize gain

>>9865408
I only use debit.

>>9865374
>>9865383
>>9865408
>credit
You are all part of the problem. The next economic melt down is on your heads.

>>9865383
Just hire a hooker, incel. You'll be much happier once you get your v-card punched.

>>9865404
we are a minority, but i still dont understand why people dislike solid cash

>>9865427
>>9865404

My half retarded grandmom also doesn't understand that "credit card" is a catch-all term for debit, credit, and other types of cards.

Also why would you not use a credit card? You pay it off in full each month and your credit skyrockets while you rake in the cash rewards.

>>9865434
Not him, but I lost my virginity in high school to my girlfriend, and I fuck hookers all the time. Roasties are worthless.

>>9865439
They're parents were retards that got $15K in credit card debt, and now they assume it's what everyone does.

>>9865434
t. roastie

>>9865435
I got berated for putting a $20 in an envelope at a gift exchange at work instead of a gift card to a specific store.
I took my gift back too, fuck them.
What the fuck is wrong with people?

>>9865457
Well autist, 20$ implies you gave zero shits about the person. Spend five minutes thinking about what they may be interested in and you can give them a gift with an ounce of thought

>>9865439
>"credit card" is a catch-all term for debit, credit, and other types of cards.
No it's not you idiot. A debit card is the complete opposite of a credit card

>Also why would you not use a credit card?
If you *need to* you should. But don't casualy pay with a credit if you don't have to. And if you have to you're not in a financially healty place.

Learn2economics

>>9865457
they must have autism, i dont know, really
you did the right thing, fuck them
>>9865472
why would a card have been ok then? it's coworkers, you are not always supposed to know the shit they like for all of them

*makes it rain on that ho*

>>9865408
You americans are so cucked you need to get into moderate debt so you're able to get into crippling debt, and you defend that system of retardation.

>>9865480
The point of the gift exchange is is not a routine, scheduled, circular exchange of wealth. It's about giving a gift that the person might need or want. Cash just looks like you did it out of social obligation and are a lazy fuck.

>>9865374
I'd like to get a handjob from her she straddles my leg and rubs a snail trail on it

>>9865493
i agree and i always buy gifts, even if small and probably useless to that person, but i wouldnt be mad if someone gives me money or a card, would use it to buy a couple beers and sandwiches to know each other better maybe
of course for close friends and family it's another thing, but for the mass of acquaintances i can forgive it plenty

>>9865476
So if a cashier told you their credit card reader was down you would whip out your debit card? You wouldn't understand that she was referring to payment cards in general?
Also there is zero reason to not use a credit card if you're paying it all off before owing any interest.

>>9865503
i dont know what you guys are talking about but my card works both as credit and debit, the cashier asks me what function i want to use

>>9865493
Ntg, but fuck that social ritual. It's retarded, at best. And apart from the spastic atempt a giving it some (((meaning))) it really is nothing more thab a routine, scheduled, circular exchange of wealth.

>>9865427
>Not paying the full balance very month

>>9865509
That's because it's a debit card, and can be used in place of a credit card, but it's still withdrawing from the bank account. A credit card, on the other hand, can only be used strictly as a credit card.

>>9865493
>It's about giving a gift that the person might need or want.

They can't possibly know what I need or want.
At best, I'll get some item I could have bought myself, at worst, I'll get some clothes that don't fit or a gift card to a store I'll never set foot in and the money is wasted.

Even if they thought they had me figured out, they would buy some expensive ill-advised gift that I would never buy for myself.
Why do you think stores have to deal with a massive influx of returns for the 2 weeks after christmas?
Most people don't want their shit gift no matter how much "thought" you put into it.

Give me one reason to not use a credit card if you aren't a mouthbreather with a sub-130 IQ

>>9865503
>So if a cashier told you their credit card reader was down you would whip out your debit card? You wouldn't understand that she was referring to payment cards in general?
I am aware of how electronics work


>Also there is zero reason to not use a credit card if you're paying it all off before owing any interest.
There is also zero reason to use a credit card if you can pay by debit card or cash

>>9865427
>he doesn't know the hack was undone

>>9865516
it does both, when i buy stuff online i use it as credit card, no money gets taken down before the end of month or trimester, dont remember how it works
if i use it as debit card the money is taken down immediatly

>>9865514
My full balance is 0.
I have money instead of credit.

>>9865521
drowning in illegal liquid cash

>>9865523

So you wouldn't be a pedantic faggot and ask her if her debit card reader was working? I guess behavior like that is reserved for online interactions

>cash money will become illegal in your lifetime

>>9865534
No, I'll still be a pedantic faggot about it.

>>9865374
I always have at least a hundred bucks in my wallet for times like these and it hasn't happened in as long as I remember. The same 5 twenties have been in there for years

do you take bitcoin

>>9865374
>americans have milkshakes for breakfast

>>9865574
>spend $5 on a coffee flavored sugar
>$100 in transfer fees
THE FUTURE

>>9865523
>There is also zero reason to use a credit card if you can pay by debit card or cash
1. You mean other than the 1.5% discount I get on all purchases through cash back? Admittedly it's not much but 1.5% on 10k is a neat 150 you'll notice eventually.
2. There's also the advantage of having all of my transactions recorded so I can easily track spending.
3. Purchaser protection let's me cancel orders, get discounts after the fact, etc
Not trying to shill but idk why anyone would avoid a credit card other than
>muh privacy

>>9865492
>6 bucks is moderate debt
Holy fucking shit you yuropoors are just
O B S E S S E D
B
S
E
S
S
E
D

>>9865523
no reason to use a credit card?

>cashback rewards
>frequent flyer miles
>protection against fraud/theft
>maintaining credit score and credit history
>c o n v e n i e n c e

if you have basic home finance ingrained in your brain and haven't fucked your credit up like a nigger, then credit card companies will throw money and services at you for using their products. what's your credit score, 550?

>>9865427
>>9865492
>Being so retarded that $4 on credit causes you to go into debt

>>9865404
I haven't touched real paper money in 10 years. Who *doesn't* pay for everything with a debit card nowadays? Even vending machines and apartment rent takes them.

>>9865523
>zero reason to use a credit card if you can pay by debit card or cash

Yes there is. If you catch fraudalent charges on your bill you don't have to pay it. If a debit card gets compromised, they can empty your bank account and you have no recourse.

Having said that, I use 1 credit card and pay it off monthly just to maintain a good credit rating because that can even affect your insurance rates in the land of corporate rampaging freedom. For many purchases I use cash.

>>9865777
Hookers, strippers, and drug dealers still require cash.

>>9865777
Guy thinks he is cool because the village cut off his hands for touching the boys before they were 8.

>>9865601
Also left out building a credit rating effortlessly

>>9865374
Sorry sweetie, i don't walk with cash. Bye Bye.

>>9865960
What do you do with it after the Johns pay you?

>>9865374
Not a problem, I exclusively use cash because it's faster.
The worst is being in line behind someone paying by card, takes fucking forever.
Also literally everyone I know with a credit card is broke.

>>9865408
>Being in debt
>Ever
Poorcuck detected.

>>9865493
This desu
Hell he could've gotten a $5 bottle of wine and people would've been more impressed than getting a $20 note.

>>9865601
That 1.5% saving is lost from you having to pay interest in your credit anyway. The "saving" is just a way for them to lure dumb people into signing up.

>>9866651
>interest in your credit
If you pay it off every month like a non-retard, there is no interest

>>9866614
Ninja, I pay for everything with my debit/credit card like a big boy. Enjoy your ugly, bulging pockets. And getting robbed. Getting robbed is cool.

>>9866616
>I'm 13! ha ha,ha!
Debt credibility is a core part of our financial landscape and has been for hundreds of years. Enjoy not being able to buy a house in 15 years because you only ever used cash, and now nobody knows how reliable you are.

>>9865493
And what about when you don't know a fucking thing about the other person, they won't give suggestions, and you HAVE to give them something without being a jackass?
Obligated gift giving is fucking retarded. You're an adult, you have a paycheck, YOU buy what you fucking want.

I pay for everything with cash.
I don't like leaving a paper trail so Google can target advertising at me.

I don't know, why am I here and why are you giving me this preposterous sugary drink?

>>9866701
don't forget having change everywhere that adds up to germ infested sums of money you're not earning interest on and is getting lost in couch and car cushions.
>>9866723
>I'd rather have my bank think I buy/ deal drugs

>>9866614
>cash
>faster

>get out cash
>give to cashier
>cashier has to verify amount
>put away cash
>give change
vs
>take out card
>swipe
>pin or signature

>>9866750
>germ infested sums of money

I'm quite certain that coinage is the least germ infested item in your lice and cockroach ridden rat hole.

>>9866769
I don't have lice!!!

>>9866750
>>9866715
>>9866701
>>9865647
>>9865601
Usury is a sin, begone (((Merchants)))

>>9865476
The whole benefit if a card is that you get to decide when bills and purchases hit your account. You just have to be smart about keeping track of the balance and paying it off.

>>9865404
>>9865435
In the US I used my credit card whenever possible.

Its faster, it's more convenient, it builds my credit, and I get rewards. There is no downside.

In Japan, I had to buy a new wallet and coin pouch to physically be able to carry the amount of cash needed in a society where credit cards aren't widely used. It's inconvenient and annoying.

>>9866759
Wrong way around bud

Cash
>Already have exact amount ready
>Cashier takes money and puts in the tin
>I leave in less than 10sec

Card
>Person in front of me fumbles sound looking for the right card
>Swipes it
>Usually takes a few attempts
>Had to use a different card cuz it's not working or that card isn't accepted here
>Repeat first three steps
>Takes upwards of a full minute to punch in the pin, tips (if there are any) and verify
>They start small talk with cashier while waiting for it to verify
>Card is done verifying but they're deep into a conversation now
>They hang around and chat for another minute
>They have to sign the receipt

I work in a bar. We don't take cards anymore because it's too slow. Cash up front. If you have exact change ready for your drink as you order I serve you first. Just the way it goes.

>>9866796
>I am 3 years old
Debt isn't some magical boogeyman just because laqwueeshanda cant manage it. I always have the money on hand for everything I buy on credit, which means I can just pay it off in two months to prove my reliability.

>>9866715
>D-debt is good goys- I mean guys
Imagine being this cucked.

>>9866842
>You just have to be smart about keeping track of the balance
Or you can be a successful person and just set the credit card to withdraw the whole payment due at the end of the month because you're not scraping by and living paycheck to paycheck

>>9865435
Because you literally take longer, even with chips in cards now. You're the modern day check-writer

>>9865374
no, break out the manual credit card imprinter.

>>9866715
>enjoy not being able to borrow more money because you haven't borrowed enough money in the past
>not just paying cash for a house

>>9866896
He's not saying debt is good, he's saying building your credit by managing debt properly by not having any is good. Use your cards, pay off your cards, and you are not a risk for a loan.

>>9866701
>>9866750
Wow it must suck to be this shit at handling cash.

>>9866903
>not just paying cash for a house
Call me in 60 years when you're still renting, I guess.

>>9866889
That's a pretty bad argument, could apply that either way. Plenty of times had to wait longer because someone was fumbling around for change, or the cashier had to get more quarters, or check the bill a few times with the marker or holding it up to a light for the watermark, etc.

>>9866884
I live in Japan and coins aren't a problem. Just get in the habit of paying exact amounts instead of throwing down a 1000 yen note at everything, it's not hard.

>>9866904
I never had to borrow money in my life and I got a mortgage no problems at all.

>>9865374
Oh yeah.. forgot about cash, it still exists huh?

>All these teenagers thinking credit lines are inherently bad
Holy shit no wonder everybody complains about being broke. Either you're so stupid you think credit is free money, or you avoid it like the plague and try to live off $1 a day.

>>9866929
You either have an enormous bank account, put down a huge down payment, or have incredibly high income.
For 99% of everybody else, that literally isnt an option unless you're buying a complete pile of shit home.

>>9866924
If you have the coins to pay for everything in exact change you are probably carrying a decent amount of coins, though.

I always feel like I'm holding up the line when counting out exact change, but I still do it when I have it.

My point was that with a card in the US I didn't have to.

I had a cancelled debit card I would use to get free drinks.

When it declines tell them you don’t have cash and they will most likely give it to you. It’s a plus/plus because you’re fucking over Starbucks and it makes the cashier feel good

>everyone sperging the fuck out about credit cards when most bank cards can be run as either credit or debit

>>9866924
Its a big pain in the ass to track your spending in Japan. Plus the always discount on everything when you pay by credit card is nice

>>9866903
>paying cash for a house
If you actually had hundreds of thousands of dollars cash to buy a house, you'd be better off taking a mortgage at 4% and investing that cash and getting a return of 10%+

>>9867047
Only if you're investing them in something extremely stable like bonds.

>>9865521
the place is cash only

>>9865472
>giving money to someone implies you don't give a shit about them
Based retard.

I work at a coffee place and we have a way to switch the card payments offline until the system is back up. I'm sure Starbucks has something similar. I have a hard time imagining them giving up all those sweet profits just for a little hiccup in the internet or whatever.

>>9865374
>McDonald's drive through
>order mcdouble and snack wrap
>"sorry sir our systems locked cause the last lady used a stollen card, do u have cash"
>no
>"he ain't order much just give it to him for free"
>pull forward grab bag and it's way too heavy
>look inside, a snack wrap, 3 mcdoubles, 2 mchickens, 2 orders of fries
I guess they just gave me mine and everything the lady with the stolen card ordered.

>>9865503
tell the dumb bitch to type it in like they're supposed to in that situation.

>>9866889
>Already have exact amount ready
this never happens

>>9867080
>why do women get so angry when they get raped? It's free sex! I gotta pay for that shit

>>9865476
>don't casualy pay with a credit if you don't have to
why? I get hundreds of dollars in rewards every year by putting everything on my cc and have never paid any interest on it. I just use it for all my normal spending

>>9865374
This is the reason I always have some cash on me.

>>9866889
its really not the method of payment that impacts the speed and length of the transaction. its the mental capacity of the customer. you can have a complete autist like the you said that doesnt know how to use a credit card machine and holds up the line. but you also have complete autists that take forever taking money out of their wallet, counting the bills, cant do simple math, find it necessary to find that dime in the bottom of their purse, take forever putting money back into the wallet, etc. like i said, it all depends on the person

>>9865374
Yes I do, pull out your manual imprint swiper and call in an authorization or I'll report you to corporate

t. retail IT

>>9866899
Some of us are just starting out, you know.

How do fast food places get away without needing a signature or PIN?

>>9867504
there isnt a law that states every transaction needs a signature. how the fuck do you think online shopping works? you think they used to mail you a receipt, you then sign the receipt, mail it back, and then the company ships the item?

>>9865523
>creditcard history shows me as model citizen
>fund degeneracy and political intrigue with cash
You're naive and stupid.

>using a government track me card

How can anyone be so retarded? I bet you all carry mobiles phones too don't you?

>>9867506
Yes.

>>9865404
My platinum American Express gives me incredible travel points. I literally charge every dime to it and pay it off every month and it pays for one vacation in full for my family each year.

If you're responsible with money it's a no brainer

>>9867540
this. fucking poorfags

>>9865434
If you really arent a girl (a girl because no real woman insults someone for their purported lack of sexual experience), hen you are just an insecure man who rides alot on the fact he at least is not a virgin. I would rather be a nicr virgin than an asshole like you. Putting someone down for not having sex is pathetic way to make yourself feel relevant to the world and life.

>>9867540
If i had a family we would be so well off we wouldnt need fuckin travel points nigga. When i get customer discount loyalty cards they punch out for the 8th one free i just lose that shit. I aint caryin round no damn punched out card for a free deink once i buy a bunch first. Please

>>9867506
>law
No, it's an agreement between the credit card company and the merchant. Am Express is getting rid of this requirement in 2018.

>>9867540
>thinking that pittance is anywhere near equal to or makes up for the amount of damage credit card companies do
At least you got yours right?

>>9865530
Where do you bank? I've used Bank of Americunt and I used to have this option and they got rid of it?

>>9866750
>I'd rather have my bank think I buy/ deal drugs
I can't tell you how annoying it is for me to know that my bank is constantly seeing go their fucking ATM to pull $140 to buy weed every two weeks even though it's legal. Like I can only imagine the person whose job that is to look at that and go "wtf are they doing"

>>9865374
I work at Starbucks. AMA

>>9867762
How does it feel slinging sugary garbage to people addicted to caffeine?

Is there any drink you actually like from Starbucks?

>>9867758
You actually think this shit? I go get that amount of cash twice a month in person

>>9867764
I honestly don't give a shit. People are paying for it so why should I care? I'm not forcing them and I'd rather them have better coffee. And I really don't like most of the drinks except french pressed coffee, ice coffee and the water

>>9867767
It's definitely someone's job to handle bank statements - I know they're automated but like, someone is in charge of that automation. So someone is seeing my transactions on a regular basis and reviewing them on occasion.

I guess cause I have a job where I see everyone's info - I can't help but wonder what the fuck people are doing?

>>9867773
they absolutely, utterly do not care or wonder, I guarantee it

what an odd thing to be concerned about

>>9867762
Nice. My mom works at Starbucks and she loves it. Terrible pay but good benifits, stock payment, 401k matching, tips, nice customers.
>>9867773
No one has time to review your bank statements, I promise you.

>>9865374
>mfw I'm a freetard and reject paying with cards

>>9865789
Thank God!

>>9866904
>building your credit by managing debt properly
How is having no debt at all not the best method?

>>9867781
>No one has time to review your bank statements, I promise you.
There's literally someone where I work that does just that??

Why are you acting like I'm making shit up?

>>9867778
No. I work at a place where we literally all wonder what people are doing with their fucking credit/debit cards because we can see their information.

>>9867838
Having no debt is the best method, but it's having no debt while actually utilizing credit.

I'm not an expert, that's just my understanding of building good credit /having a good credit score.

Have credit available, utilize it, pay it off in full, have a lender trust you when you need it.

If you never use credit in the first place of course you have no debt, but you also have no credit history for a lender to put their trust in.

>>9867909
You dont need to use it. You just need the line of credit. Having three is recommended.

>>9867914
Actually you do need to use it. If you're not using it there is no report being made and nothing to prove you can pay on time.
Optimal setup is to have two cards open and pay them in full each month. Just pick two that give you the best rewards, like one every day bonus card and one travel focused card.

>>9865493
>t. Roastie

>>9867909
>>9867914
And nobody sees how incredibly stupid and fundamentally sick this system is?

>>9867939
How? It's literally nothing more than a public record on whether you can reliably pay debts or not.

>>9867941
>having debt is better than no debt
The fact that I can manage my finances without any debt or "credit" (which is just another form of debt) should result in the best possible rating. The system is designed to put, and keep, you in debt.
They've even managed to convince you that it's logical and fair.

>>9867972
Congratulations on once again missing the point. A person with zero record is an unknown quantity to me and thus is a risk to lend to. I would much rather lend to the person who has demonstrated time and time again that he can repay any debts he takes on.

>>9867980
>I like to pay more for something then it is worth
Seems fair

>>9867991
I'm glad to hear that you have 500k just sitting around so you can buy a house straight cash.

>starbucks
>tired AF
>on college campus
>white
>dude behind me walks up to the counter
>employee takes his order
>look at them both like wtf just happened

Is this a racial thing?

>>9868000
>buying something beyond your means
That's how I know someone fucked up

>>9868006
>AF
Tell us more about how you're emotionally a child who posts on facebook daily

>>9865434
>using incel like some earth shattering indictment against the users of this website

Where do you think you are lol

>>9867683
reddit pls

>>9867526

>muh gubment tracking me

government doesnt give a shit about you bro unless you're some sort of terrorist

>>9867762

what went wrong with your life?

>>9868038
Dumb shit and being a depressed fuck with no motivation

>>9867980
>zero record
Zero credit records is not zero records.
I have plenty of records that attest to my credibility.

>>9868041

yeah, i don't understand how anybody could be a depressed fuck with no motivation workiing a job at starbucks.. working at starbucks probably isn't the main problem, there's no way

>>9868049
Yes I'm sure your neighbor Jim who says you are really good with money is a great credit.

>>9868037
>not joining ISIS

wow, are you racist or something?

>>9865374
bitch, I always pay cash

>>9865476
everyone here uses debit, cashcard or prepaid and we still call it credit card. websites use CC to indicate any card as well.
its called metonymy

>>9868059
>I handle my debts very well, and have the credit records to prove it
>I handle my finances very well, I have zero debt and the bank, tax and income records to prove it
Tell me again how the first option is better. Dumb cuck.

>>9866720
That's really not the fucking point, dude. It's supposed to be a fun time exchanging silly or useless but nice knicknacks. Giving someone a $20 totally takes all the fun out.

>>9867526
>he typed, into the internet
lol what a cuckboi

>>9865374
Only in an emergency would I settle for Starbuck's coffee. The cash I carry is for just such an emergency.

>>9867506
>>9867702
Visa and Mastercard removed signature requirements for charges up to 50 bucks depending on merchant type. This was 5 or more years ago. Plus the code for "cardholder not present" is used for online or phone charges.

I don't think signature was ever a law, it's more of a protection measure for cardholders, merchants and issuers. If you want to die of boredom, try reading the electronic fund transfer act.

>>9865374

>That's ok, I don't carry a credit card, or takes loans/mortgages because I don't believe in incurring debt, regardless of so called "credit benefits". Are we free citizens, or slaves to banks?

>we both laugh, our rigid jackals grins hiding the uneasiness within as we realise everyone around us is being actively led to keep our country in debt

>>9865418
>Cashback
>what it really is: not paying interest for that month

>>9868665
You don't ever pay interest if you pay off the balance every month.

>>9868675
Name 30 people who pay off the fucking balance every month

>>9865374
828?

>>9865493
But he did do it out of social obligation, that's what Christmas is now.

>>9868680
What kind of retard doesn't?

>>9868716

Jesus Christ what rock are you living under

>>9868721
The privileged white male one

>>9868675
>pay off the balance every month.
Hence the USA has a total credit card debt of only $900 billion.

>>9868733
So, because a lot of people are incredibly retarded, that means you have to be too?

Here's what you do, set up auto-pay from your checking and don't spend more than you have. Wa la.

>>9868680
everyone I know, why would you spend money you don't have

>>9868745
Here's what you do, don't apply for a credit card and don't spend more than you have. Wa la.

>>9868765
And not have a great credit score and credit history? No thanks

>>9865374
Great! Finally I can get rid of the bills I've had in my wallet for the past 3 years.

>>9868680
Me and my 29 wives

>>9865526
WHY IS HE SO FUCKING UGLY??!!!

>all the retarded little kids in this thread who need credit and lending explained to them

>>9868949
It's a little ridiculous. Sad, almost

>>9865404
if their card reader is down it affects debit cards too you dumb fuckstain

>>9868910
he's like 6/10 at worst

>>9868721
the one that doesn't have fucking idiots

>>9868949
at this point the site is 90% 20 year old redditors who can't even hammer a nail or preheat an oven, yet alone understand basic finances

>>9865434
Hookers dont take credit.

>>9868765
>get credit card
>earn 2% back
>purchases don't start accruing interest until a month after the statement period ends (unless you have a shockingly bad credit card aimed at subprime borrowers)
>autopay statement balance in full on due date, never pay any interest or late fees

Merely having a credit card doesn't imply that you're spending beyond your means, and it's nice to get rewards and protection against fraud. I don't see what's so hard to understand.

>>9869029
>Overly square jaw
>Bags you can hide a Samsung Galaxy Note inside
>Lazy eves overall
>He opens his eves like a psycho
>Somehow his lips are small but still stick out like a peak

>Uhhh, cheekbones, SO SEXY <3<333
Bitch he looks like a skelington, nothing sexy on a skeleton

>>9869097
do you unironically believe real men have curves or some gay shit like that?
>ew ew he's a skeleton who finds that attractive
WOMEN FIND THAT ATTRACTIVE

>>9869097
this. any gay or other woman brain who finds that attractive has nigger tier taste.

>>9865374
T-Thanks, you t-t-too

>>9869120
There's a difference between a strong jaw and a skeleton Jaw
His jaw looks skinny and weak, women like a strong face to go along a square jaw

>>9867683
Holy fuck, someone fuck this guy

>>9867758
Bro, they dont give a shut about 140 dollars. Lmao

>>9867758
Could be worse, I used to go three times a week to the liquor store and exclusively used my debit card. Didn't help that my bank was owned by the same family I worked for.

>>9869305
Do you think anyone actually gives a shit about what you spend your money on? The only thing that gets looked at is geographic location and that is done by computers for fraud purposes.

>>9868037
>Downloaded jr javs
>Own several guns and am a member of gun rights advocacy groups
Yeah, they're tracking me, fampai

>2% back on credit card purchases
>points through Samsung Pay for free shit
>Store loyalty card
If you're using cash you are a sucker and giving away free money.

>>9869317
Small towns with a shitload of chismosa Mexicans and fundemental Baptists? Probably not, but fuck if I can answer conclusively.

>>9865374
>going to Starbucks to buy a six dollar caffeinated milk drink

>>9865435
Because change is obnoxious. Pay with card and it just stays in your account.

>>9868495
Waste of goddamn money is what it is

>>9866884
I dunno about you but carrying around those gold whopper 500 yen coins make me feel like a powerful person.

>>9866889
>Be European.
>Walk up to cashier and insert card.
>Quickly type pin because I'm not a fatty who can't press buttons properly.
>Never have to tip because living wages kek.
>takes AT MOST 2 seconds to verify so I can grab my card and be on my way.

How can an entire nation be this cucked?