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= F.U.C.K. - Fucked Up College Kids - Born Jan. 24th, 1993 - F.U.C.K. =
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Cash, Check or Charge
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Three forms of payment today. Each one as fucked up as the
other one. Such a simple concept blown all to hell by stupidity.
Check writers. Since I started taking more checks where I work,
I have since noticed a lot of things that are kinda messed up. 1) Check
writers always borrow your pen. 2) They then have to record the check
wasting time. 3) They seem offended when you ask for a drivers licence.
4) If they have it with them. 5) Some people have temporary checks with
nothing preprinted, and they expect vendors to take them.
Think about how easy it is to commit check fraud if a vendor will
take a non-preprinted check. Just go get some temp checks from yer bank,
write some bullshit info up top, 'forget' your licence, and you are set.
Vendor loses out on a lot of money.
Now you have this piece of paper that represents money, and it
sits at the retail store. The next day it gets deposited, by the end of
that day the transaction is completed by the bank, and money is credited
to the vendor. Just about two days pass before the bank even messes with
the check. That also gives the check writer just over a day to cancel
payment on the check if they want, and let the vendor worry about
collecting on the money. Some real small businesses can't afford to have
the backing of Telecredit and really can't afford the time/effort/manpower
to go track down someone so they can collect.
Checks are so far obselete but people use them way too much. The
only practical purpose of them is for sending payment through the mail.
Charge. If you have a charge card, you have to sign something
when you use it but no card carriers have pens with them. Ever notice
how some business losers will charge everything from a 3000 dollar
computer system to a 1 dollar pack of gum on a card. They are like
chain chargers or something. Since credit cards are used so much, and
the link ups are so well established, why aren't we fully on a debit
system? You have a card that represents your bank account. On the front
is a picture of you to avoid some credit abuse etc.
Speaking of credit abuse, it is so simple for some teenager to
get ahold of another person's credit card and go abuse the hell out of
it. Hell, charge up a ton of stuff, ship it off to Mozambique by FedEx
and just have a general hayday on someone else's card. Cruel, yes,
funny, yes. Any smart chimp could get out of the payment on such a
charge but once again, it is more a pain in the ass. Phone order
credit fraud is prevailent with mail order companies. One more reason
to go to direct debit in person. Even though it is convenient to mail
order something, when you think about it, how much effort does it take
to run to the local computer store to get it there?
Step up and use your card to directly pay for merchandise.
Sounds good and it is a very realistic system, but for some reason these
high dollar companies won't get their head out of their ass.
So that leaves us with cash, like you are going to carry much
around these days, checks, which are getting to be a pain in the ass
because it takes so long to write, record, verify info, etc, and last
you have credit, but one step short of a good system. Money is evil no
doubt. You may have read a few files out there about the problems with
it and the inherent evil it causes in homo sapiens. But now it has
become a pain in the ass it seems.
So bitch at your bank to go a debit system or something.
We have the technology, it would make life a tad bit easier,
but like humans, we are just falling behind in mental capacity
like usual.
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