Random Thoughts That Don't Warrant Their Own Thread: 2023

Discussion in 'The Mainboard' started by Celemo, Jan 4, 2023.

  1. ~ taylor ~

    ~ taylor ~ Boom... head shot.
    Donor TMB OG

    There are a couple places in my town where they say "hit credit" when I use a debit card. Maybe their debit card processor charges more than their credit card processor. But I get the impression from the workers that there card reader sucks. Some of those things: the less things to press, the better.
     
  2. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State WildcatsSeattle Kraken

    The debit cards are still serviced by a card company so I’m sure they still take their cut.
     
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  3. myquarterback

    myquarterback Happy birthday
    Auburn Tigers

    Dan Lanning shouldn't have let the artist share his tat. He could've kept it special for just the people who see it in person, who could tell others, developing a legend, the veracity of which everyone else could debate. Then someone would make a hypothetical artist rendering. Someone else could then say, no, I think it's like this, creating the genre of Lanning-wife-tat-face-tats imaginings. Years later, he could share it, and we'd see which guesses were closest, and which ones would have been even better than the real thing.
     
  4. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State WildcatsSeattle Kraken

    The internet says that debit cards are cheaper for large purchases (% fees) and credit cards are cheaper per swipe, so that is probably why gas stations want you to run it as credit.
     
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  5. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State WildcatsSeattle Kraken

    This is allegedly against the merchant agreements they agree to.
     
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  6. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
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    This isn’t true btw.
     
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  7. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State WildcatsSeattle Kraken

    ¯\_(ツ)_/¯
     
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  8. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
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    Nebraska CornhuskersKansas City RoyalsKansas City ChiefsBig 8 Conference

    For the sake of the thread I’ve negotiated several of these over the years.

    There are 3 parties to each transaction:

    Card issuer(visa), middle man who negotiated the rates with the retailer and runs the card transaction, and the retailer.

    Middleman takes like .05% per debit transaction or less and credit ranges from 1.5-3+% depending on card issuer and transaction type.

    No idea what the card issuer charges the middleman but the end retailer regularly pays 10x-100x more for credit transactions than debit transactions.
     
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  9. bigred77

    bigred77 Well-Known Member
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    So fucking explain Mr knows it
    That's what we are all discussing and trying to understand, so thanks for your 4 word fucking contribution
     
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  10. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
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    Sometimes card rates will be negotiated as flat rates by issuer regardless of card type but you have to have crazy volume to do that. Usually it dramatically varies by card issuer and reward type. Amex and discover are expensive as fuck and heavy reward cards are also expensive. Basic bitch visa and Mastercards are the cheapest credit cards to run by far.
     
  11. bigred77

    bigred77 Well-Known Member
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    So explain to me why 1up phone repairs basically forced me to make it a credit transaction of $100 yesterday.

    Their machine was obviously not broken or damaged in any way.
    They literally state on their website they will request you to press "skip" on debit card pin number entries.

    Maybe they are just better negotiators than you?
     
  12. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
    Donor TMB OG
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    Still though don’t ever fuckin use a debit card because if you get your info stolen you’re way more fucked than if it’s credit card
     
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  13. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
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    Some banks or retailers make you run their cards as credit transactions for idk what the fuck reason. Ease of use? It has nothing to do with the exchange fee because point of sale systems know whether it’s a credit or debit card. They aren’t going to suddenly bill a debit card as a credit card just because they ran it that way. Point of sales are smart enough to know what type of card it is regardless
     
  14. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
    Donor TMB OG
    Nebraska CornhuskersKansas City RoyalsKansas City ChiefsBig 8 Conference

    Also this makes no goddamn sense because the retailer pays the exchange fee. It doesn’t get passed on to the middleman. The middleman takes the payment and repays the retailer less the exchange fees. They have every reason to avoid credit transactions so what you’re saying would give them no financial benefit. It’s just for ease of use in some way that I don’t know because I’m not an expert on point of sale systems
     
  15. racer

    racer Yuma, where I work in software.
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    Now explain Costco and visa
     
  16. bigred77

    bigred77 Well-Known Member
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    I'm just reporting what I saw in real time
    You decide what you know
     
  17. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
    Donor TMB OG
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    I mean cobranded cards are different and I’m assuming they have a different arrangement than your typical retailer but I’ve never done that type of thing so can’t speak to it
     
  18. Truman

    Truman Well-Known Member
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  19. bigred77

    bigred77 Well-Known Member
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    Agree
    But I just was wondering how it worked.
    Then Mr pelinis came in and told us all how much he knows about how it works and how everyone was wrong but then how he didn't really understand it

    Top form TMBing on a Friday night
     
  20. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
    Donor TMB OG
    Nebraska CornhuskersKansas City RoyalsKansas City ChiefsBig 8 Conference

    Are you drunk
     
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  21. bigred77

    bigred77 Well-Known Member
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    Nope
    I was pretty sure you are with your last few though
     
  22. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
    Donor TMB OG
    Nebraska CornhuskersKansas City RoyalsKansas City ChiefsBig 8 Conference

    upload_2023-1-20_21-56-50.gif
     
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  23. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    I find it quite interesting considering how ubiquitous cards have become (thank you cashless society New World Order) and basically no one gives it a second thought. It’s also very funny you say this considering the esoteric books you read that I would find boring.
     
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  24. Truman

    Truman Well-Known Member
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    You wouldn’t find them boring if you’re using words like esoteric , Mr Big Brains.
     
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  25. Truman

    Truman Well-Known Member
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    Not boring :

    I’m watching the House Party remake. It’s entertaining. Not great. The number of 90s cameos they got for this is incredible.
     
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  26. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
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    If I ever have the misfortune of having to dine there again I’ll let them know.

    The fee wasn’t the worst part of the experience.
     
  27. fattus

    fattus Well-Known Member
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    I ate homemade chicken pot pies at an AA thing yesterday (they tasted super good) and today I have the most god awful gas I have ever had in my entire life, and I’ve been known to wilt iron. Straight up sulfur. Burning my nose hairs. Had to be something in the pies cause everything else I’ve eaten has been what I usually eat. And only gas. I haven’t even done my daily poop yet.
     
  28. THEBLUERAIDER

    THEBLUERAIDER Well-Known Member
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    Is there a thread where everyone lets the board know subjects in which they are experts?

    We have so many people with unique expertise (see credit card transaction fees) . It would be interesting to see in which fields everyone thinks they are experts.
     
    TC, Dump, Goose and 1 other person like this.
  29. WillySaliba

    WillySaliba Well-Known Member
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    Some people are experts in every thread they post in. It’s amazing, some of them even have a circle jerk fan club.
     
  30. The Blackfish

    The Blackfish The Fish in Black
    Staff Donor TMB OG
    Alabama Crimson TideIndianapolis Colts

    Just tag Arkadin
     
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  31. Dump

    Dump No longer associated with Texas A&M or Jimbob
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    just tag Lyrtch and dblplay1212
     
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  32. Nandor the Relentless

    Donor
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    It’s okay to just admit you need me to graphic design you something.

    What would you like in/on your circle?
     
  33. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    Ask me any expertise question
     
  34. One Two

    One Two Send it!
    Donor
    Auburn TigersAtlanta Braves

    How do credit cards work
     
  35. Nandor the Relentless

    Donor
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    How do you suck your own dick?
     
    Name P. Redacted likes this.
  36. THEBLUERAIDER

    THEBLUERAIDER Well-Known Member
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    You are who I thought of when this response came in.
     
    Name P. Redacted likes this.
  37. Lip

    Lip Well-Known Member
    Donor

    I know very few things, and I don’t even know those few things very well
     
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  38. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    Gonna refer you to bertwing
     
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  39. ohhaithur

    ohhaithur e-Batman
    Donor

    My DMs (and texts) are filled with requests for gambling, credit card, ticket buying, and stalking advice

    What an interesting reputation I've built
     
    wes tegg, The Banks, Taffy and 10 others like this.
  40. kinghill

    kinghill Cool American Flavour
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    Gotta remove the ribs my boy

     
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  41. All_Luck

    All_Luck OK. Cool Husk em!
    Nebraska CornhuskersColorado RockiesDenver NuggetsKansas City ChiefsColorado AvalanceUnited States Men's National Soccer TeamLiverpoolBig 8 ConferenceNebraska Cornhuskers altFormula 1

    Im high asf and this scared me when I saw it on TV

     
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  42. ~ taylor ~

    ~ taylor ~ Boom... head shot.
    Donor TMB OG

    Sweet jesus
     
  43. Nug

    Nug MexicanNug
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  44. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State WildcatsSeattle Kraken

    This show is fucking stupid and randy jackson looks like a skeleton
     
  45. It'sAlwaysSunnyInAthens

    It'sAlwaysSunnyInAthens Well-Known Member
    Donor

    I saw a really large alligator snapping turtle at the zoo yesterday and that shit was terrifying. It looked like a gargoyle or something.
     
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  46. Bo Pelinis

    Bo Pelinis I've seen shit that'll turn you white!
    Donor TMB OG
    Nebraska CornhuskersKansas City RoyalsKansas City ChiefsBig 8 Conference

    Tom Hanks is so likable my god

     
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  47. Tiffin

    Tiffin GOATs
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    Gf's neighbors that she shares an apartment wall with have been yelling at each other a lot recently. Last weekend slaming and sliding furniture and shit. The roommate heard them this week and again last night. Young couple with a baby and maybe other children. Guy is always going out to his car to smoke weed but also a lot of random vehicles show up and he gets in an out a lot so maybe he's selling. Pretty sketch and no idea if he's got a gun.

    It's two girls in my gfs apartment and they don't have another neighbor sharing a wall or ceiling so I personally don't feel comfortable making a complaint to say the apartment complex management, and I don't want the girls to have the guy try and retaliate against them in some way.
     
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  48. DollarBillHokie

    DollarBillHokie Usher is the worst
    Donor
    Virginia Tech HokiesTiger Woods

    Where’s the fancy pen thread? Couldn’t find it via search. I bought a remarkable 2 which I love and want to upgrade the pen and need a case for it.
     
  49. One Two

    One Two Send it!
    Donor
    Auburn TigersAtlanta Braves

    My across the street neighbors had a falling out a few years ago. They are fine now but it was a site to behold. The wife was throwing furniture out the front door and into the yard and husband was just standing there watching. She even dragged a sofa out. When it was over it looked like a couple rooms worth of shit was just piled up in the front yard halfway broken.
     
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