Why Americans do not pay off credit card debts

[Husar]

You shouldn't really discuss banks and money transactions with a Norwegian. Our banks are on the bleeding edge technologically.
We expect that when paying our bills via the net, the money will be withdrawn from our account immediately.
We like to pay for our €0.5 lollipop with a debit card - with no questions asked.
We no longer carry cash around - and quite like our small card-sized wallets.
Parking in the city is payed via an app on the phone or a debit card at the nearest parking meter.
We order a whopper menu via an app on the phone and pick it up at the nearest burger place.

Its only when going abroad that we realize how awkward these things are for the rest of the world.

How do you tip service personnel? Or do they just add a certain percentage automatically?

I'm also quite sure that Monaco doesn't have huge problems with poor people. If only every country could be more like Monaco, then we'd all be rich!

[Gilrandir]

1. Look at the second word in the title.

I'm aware of the facts that it is a pilot project so far, but considering the speed with which modern technologies come tearing into our world, it's not gonna take them long to actually start mass production of the technology in question. My bet is five years.

2. This is about fingerprints, not fingerchips. Are you saying it's spooky that we're all born with fingerprints...?

I'm also aware of that. But, again, using your body as a payment means is a common thing for both, so fingerprints are the first step. Then they are gonna tell you that one can't store and use all the necessary information via fingerprint technology and ask you if you would like to get rid of any troubles accompanying carrying objects representing money outside your body? Guess what they would offer if you answer yes.

[Gilrandir]

How do you tip service personnel?

They carry a dozen credit cards with variuos small sums of money and if the situation requires it they tip them stuffing such a card down the serviceman's pocket. Or the same procedure during a handshake.

[Sigurd]

How do you tip service personnel? Or do they just add a certain percentage automatically?

I'm also quite sure that Monaco doesn't have huge problems with poor people. If only every country could be more like Monaco, then we'd all be rich!

What a question? and from an IT trained person.
The waiter comes to the table with a portable terminal. The sum for the meal is displayed. You press Ok and you have the option to change the total amount. You round it up to about 10 -15% more than the stated amount and it is credited the waiter as tips.

[Beskar]

How do you tip service personnel? Or do they just add a certain percentage automatically?

Some restaurants have a "Insert x amount for tip", but usually, they automatically add 10% and then you have to specifically ask them to remove it, and looking like a "cheapskate" with the humiliation factor. All fun and games.

[HoreTore]

I'm aware of the facts that it is a pilot project so far, but considering the speed with which modern technologies come tearing into our world, it's not gonna take them long to actually start mass production of the technology in question. My bet is five years.


I'm also aware of that. But, again, using your body as a payment means is a common thing for both, so fingerprints are the first step. Then they are gonna tell you that one can't store and use all the necessary information via fingerprint technology and ask you if you would like to get rid of any troubles accompanying carrying objects representing money outside your body? Guess what they would offer if you answer yes.

This is entering paranoialand.

[Kadagar_AV]

I like cash. It lets you buy weed without electronic fingerprints

[Veho Nex]

What about people who don't want bank accounts? What about people who want to remain anonymous with their transactions? Would you label them all criminals, and proponents of the black market?

According to our terrorist profiling poster at my job. Anyone who pays with cash or wishes to use a moniker is in league with al qaeda ISIS. Those unamerican, pot smoking, jesus hating, communist, fascist nazis will get whats coming to them for not using credit cards like a good decent american would

[Gilrandir]

You shouldn't really discuss banks and money transactions with a Norwegian. Our banks are on the bleeding edge technologically.
We expect that when paying our bills via the net, the money will be withdrawn from our account immediately.
We like to pay for our €0.5 lollipop with a debit card - with no questions asked.
We no longer carry cash around - and quite like our small card-sized wallets.
Parking in the city is payed via an app on the phone or a debit card at the nearest parking meter.
We order a whopper menu via an app on the phone and pick it up at the nearest burger place.

Its only when going abroad that we realize how awkward these things are for the rest of the world.

And this is why Norway is considered to be one of the most expensive countries for living. Banks simply include a certain percentage for servicing their credit cards into the price of goods.

What a question? and from an IT trained person.
The waiter comes to the table with a portable terminal. The sum for the meal is displayed. You press Ok and you have the option to change the total amount. You round it up to about 10 -15% more than the stated amount and it is credited the waiter as tips.

What about hotel bellboys and maids? Or are their uniforms designed so that terminals are parts of them? And what about resort facilities staff? Oops, how silly of me, there aren't any beaches in Norway. Or are there? Still, the imagination draws a picture of Pamela Anderson rushing to save me with a terminal bouncing up and down upon her belt... Well, to tell the truth, it is not the terminal whose bouncing comes first into the picture.

[Veho Nex]

What about hotel bellboys and maids? Or are their uniforms designed so that terminals are parts of them? And what about resort facilities staff?

I've noticed at some places the servers and what not carry their phones with a little card reader attached to it. You tip them through that. idk though.

[HoreTore]

And this is why Norway is considered to be one of the most expensive countries for living. Banks simply include a certain percentage for servicing their credit cards into the price of goods.

Cash is far more expensive to handle than cards, I'm afraid.

And tipping isn't common in Norway. We get paid the full wage instead.

[drone]

Cash is far more expensive to handle than cards, I'm afraid.

And tipping isn't common in Norway. We get paid the full wage instead.

How do you tip strippers?

[HoreTore]

How do you tip strippers?

That people are willing to pay 300 USD for ten minutes of penetration just shows me we can tax people a lot harder without hurting anyone.

[Greyblades]

That people are willing to pay 300 USD for ten minutes of penetration just shows me we can tax people a lot harder without hurting anyone.

Hurting anyone but the person raising the taxes. The Americans are notoriously rabid when it comes to paying taxes.

[Greyblades]

Damnit Vodafone!

[CrossLOPER]

I don't understand why people have such a problem with credit cards. If you pay off the balance at the end of the month, interest does no even come into play.

[Husar]

What a question? and from an IT trained person.
The waiter comes to the table with a portable terminal. The sum for the meal is displayed. You press Ok and you have the option to change the total amount. You round it up to about 10 -15% more than the stated amount and it is credited the waiter as tips.

I know how and that it is technically possible, I was curious about how it is actually done.

Tiaexz explained the guilt-variant in his post after yours.

[Sigurd]

Well you know profilers. They're notoriously overpaid and full of their own horseshit.

Why do you hate 'Murica?

[Kagemusha]

You shouldn't really discuss banks and money transactions with a Norwegian. Our banks are on the bleeding edge technologically.
We expect that when paying our bills via the net, the money will be withdrawn from our account immediately. Check
We like to pay for our €0.5 lollipop with a debit card - with no questions asked. Check
We no longer carry cash around - and quite like our small card-sized wallets. Check
Parking in the city is payed via an app on the phone or a debit card at the nearest parking meter. Check
We order a whopper menu via an app on the phone and pick it up at the nearest burger place. Check

Its only when going abroad that we realize how awkward these things are for the rest of the world.

Business as usual in Finland as well. One question though. Why pick up a whopper via phone app and move your lazy butt to a restaurant to pick it up, when one can simply order many kinds of dishes from restaurants via internet, pay them using net bank and get the goods delivered to ones home?

[Gilrandir]

Why pick up a whopper via phone app and move your lazy butt to a restaurant to pick it up, when one can simply order many kinds of dishes from restaurants via internet, pay them using net bank and get the goods delivered to ones home?

To make sure you can still move farther than from the computer to the fridge.

[Kagemusha]

To make sure you can still move farther than from the computer to the fridge.

So you are a manly man mr university nationalist, who has no doubt never even held a military issue in your hand? Without services the current form of market would not work.Simple plain fact. Development relies on lazyness of humans.

[HoreTore]

Advanced mathematics is little more than applied laziness.

[Gilrandir]

So you are a manly man mr university nationalist, who has no doubt never even held a military issue in your hand?

As long as one has doubts one is still able to think critically and be ready to correct oneself in case of a mistake. So do have doubts, as have had military training lessons at school (where they taught me handling AK-what's it number and some kind of rifle) and later while already working at the factory I attended military training camp (for two weeks) where I continued my acquaintance with weapons. I can't deny, though, that my dating weapons was brief and can't boast great mastery of them. Yet, I am a peaceful person, if what you meant by your attempt to hurt me, but I don't know why I should be ashamed of it.
As for being a nationalist, I thought I've had this out elsewhere. Yet I may repeat it in this thread as well: a nationalist is a person who hates other nations, a patriot is the one who loves his own. Feel the difference.
I don't understand your irony (if irony it was) in regard of "a manly man". I certainly do quite a lot of walking daily and never order anything via internet, but again I don't see why I should be ashamed of it.
Generally speaking, you have mistakingly considered my post as a personal insult,so let me be more explicit: every "you" used in it didn't mean "you Kagemusha". It was an impersonal usage. Perhaps I should have used "one" instead of "you", so I apologize if your sharpness was caused by misinterpreting my post in view of its possible double reading. If you have other reasons for making the comment you made, feel free to disregard the apology.

[Gilrandir]

Advanced mathematics is little more than applied laziness.

Then it is advanced appiled laziness.