Permanently Deleted

  • President_Obama [they/them]
    ·
    edit-2
    1 year ago

    1 Visa process sucks yes,

    2 roaming plan that's an L on your country's ISPs, but is annoying. Download stuff you need beforehand (maps, translation stuff like languages on google translate)

    3 you don't need a Chinese sim as a tourist,

    4 nobody uses a credit card outside the US just use your debit card,

    5 same goes for the next point,

    6 I didn't stay in hotels (stayed with a family) so idk

    7 No it doesn't, not the metro nor the intercity ones. Which ones do?

    8 Which ones that you'd need as a tourist?

    9 Are you seriously complaining that the people in the other country you're in use a different language this was written by a netizen, not an american. I can understand it makes things more difficult than if everything were written in English, but I don't expect streets signs to be in a language I can understand when I travel anyway?

    10 Use a VPN you Dingus, also should download all maps before going anywhere so you don't need a connection in the first place.

    11 Again use a fucking VPN

    • FloridaBoi [he/him]
      ·
      1 year ago

      4 nobody uses a credit card outside the US just use your debit card,

      The US has made debit card fraud common because many places still swipe as opposed to chip which means you can have unlimited liability if your cash gets stolen from your account. Credit cards are limited to $50 liability by law but this is mostly waived in the event of fraud.

      • President_Obama [they/them]
        ·
        1 year ago

        What do you mean by this? I said that USians shouldn't be surprised they can't use their credit cards, and should use their debit instead.

        Do you mean that the US has no fraud protections related to debit cards, meaning that you guys won't want to use them?

          • President_Obama [they/them]
            ·
            1 year ago

            That's wild why is there no fraud protection on debit cards? Like can't you just call your bank, say it got stolen, have em block the card and reimburse you? I can do that from my bank app, don't even have to call

            • Abracadaniel [he/him]
              ·
              1 year ago

              With credit card fraud, the card issuer's money is at stake. With debit card fraud, your money has been stolen.

              From this article: https://www.nerdwallet.com/article/credit-cards/credit-card-vs-debit-card-safer-online-purchases

              If card information has been stolen and potentially fraudulent transactions have been made, two laws protect your rights. For credit cards, the primary law is the Fair Credit Billing Act, or FCBA. For debit card transactions, the Electronic Funds Transfer Act (EFTA) applies. While these laws offer some similar protections, knowing the differences is key to understanding why it's safer to use one type of plastic than the other.
              
              According to the EFTA, your potential liability for fraudulent debit card transactions is virtually unlimited. You have up to 60 days to report a lost or stolen card under the EFTA. After that, you simply lose whatever money was taken, even funds siphoned from linked accounts. The exact liability limits under the EFTA are:
              
              Lost or stolen card reported before unauthorized transactions: zero liability.
              
              Lost or stolen card reported within two days: $50 liability limit.
              
              Lost or stolen card reported within 60 days: $500 liability limit.
              
              After 60 days: no protection.
              
              It's important to note that if your card is not physically lost or stolen, you have 60 days to report fraudulent transactions with zero liability. If only your card number is stolen, the 60 days start from the date of the statement on which a fraudulent transaction appears.
              
              
              Under the FCBA, your maximum liability for fraudulent credit card transactions is $50. If you report your card lost or stolen before any fraudulent transactions occur, your liability is zero. Many credit cards promise zero liability for all fraudulent transactions.
              

              Incentivizing consumer credit was a key step in making the USA what it is today.

            • GaveUp [she/her]
              ·
              edit-2
              1 year ago

              That's probably how they hand out more credit cards

              By locking essential features behind a debt trap high interest rate credit card

                • GaveUp [she/her]
                  ·
                  edit-2
                  1 year ago

                  If you pay off all your IMF/World Bank loan payments on time your interest rates don't look awful

                  The primary purpose of a credit card is to be predatory and the fact that they don't provide basic features such as a fraud protection on a debit card further emphasizes that

            • invalidusernamelol [he/him]
              ·
              1 year ago

              The workaround here is that debit cards are actually credit cards.

              All debit cards are issued as either Visa or MasterCard and when you go to purchase something, you skip pin entry and run it as credit and Visa/Master Card instantaneously issues you a line of credit equal to what you spent then pays off that credit from your bank. Thereby putting your transaction under the protection of a credit transaction.

              I believe banks eat a small fee for this.

            • GarbageShoot [he/him]
              ·
              1 year ago

              There are private protections like that, but not much in the way of legal protections like for credit cards, so if you don't notice very quickly or are using a service that doesn't have those conveniences, there may be more lasting damage done by debit theft (though if you are very slow in catching it, credit fraud is infamously pretty destructive too).

              • ClimateChangeAnxiety [he/him, they/them]
                ·
                1 year ago

                It can vary by bank. Someone I know had her purse stolen a few years ago and getting the money back was a huge pain in the ass

                The discover card was fixed in an instant, the debit card caused problems.

      • sexywheat [none/use name]
        ·
        1 year ago

        The US has made debit card fraud common because many places still swipe as opposed to chip

        I love how the molten-core centre of the global capitalist financial empire still hasn't themselves adopted chip and pin lol what the fuck I'm so confused every time I visit the USA and I can't even use my fucking Interac card half the time

          • ClimateChangeAnxiety [he/him, they/them]
            ·
            1 year ago

            Yeah I’ll go months tapping 90% of places and chip the other 10%, and then I go visit my parents in their tiny mountain town and it’s all swiping

    • yastreb
      hexagon
      ·
      edit-2
      1 year ago

      deleted by creator

      • GaveUp [she/her]
        ·
        edit-2
        1 year ago

        If people can get through the process of applying for a tourist visa to a foreign country, they can figure out how to install a basic VPN tbh

        One of the ones I use don't even let you choose the location of the VPN, it's just no options, click "on" and it auto routes you to one. You can't even see where it routes you through lol

      • President_Obama [they/them]
        ·
        1 year ago

        Barring the VISA it seems like all very minor gripes to me, but maybe I'm incorrect. And yeah I kinda expect people to understand how to click the "on" button on an app.

        • yastreb
          hexagon
          ·
          edit-2
          1 year ago

          deleted by creator

          • President_Obama [they/them]
            ·
            1 year ago

            Really? I'm surprised.

            Googling "10 things to remember before visiting China", VPNs are mentioned in the top three articles 1 2 3

            Listen you don't have to respond I'm being a smart ass rn lol, I recognise traveling to China, especially outside the major cities, isn't as easy as e.g. traveling to Italy. But I don't think I'm out of line for thinking it's not that difficult either.