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Old 06-15-2018, 03:16 PM   #31 (permalink)
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Fair enough.

Are you equating logical consistency with every rule, every law, every crime, every sentence, every dictate, every mandate, everything?

Eating a Big Mac = ****ing over your financial future.
No, the question is why one business is excused from selling things bad for their customers while the other isnt. Big macs **** over your future health, credit cards **** over your future finances.. Neither are good for you if youre not educated about what youre doing and yet the fast food and unhealthy food companies get a pass while CC companies do not (within the criticisms expressed in this thread), and both have savage advertising $.
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Old 06-15-2018, 03:20 PM   #32 (permalink)
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Why is it the company's fault if youre irresponsible with money?
There’s a long standing tradition of business ethics dating back to the Bible. Our bankers are very educated and know how laws have changed. They know what’s usury and predatory lending and they know that as bankers they have a responsibility to community members who are less educated or more prone to succumb to human nature and live irresponsibly for a time. They’re supposed to help communities build within reason not profiteer from endless cycles of debt that are very hard to escape.
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Old 06-15-2018, 03:24 PM   #33 (permalink)
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That just seems like a bunch of expectations you place on them and not the reality of how they function. The only thing I expect from any company is for them to try and make money, rather their ethical or not is something you should probably consider before entering into a business deal with them.

Also, read the discussion since that post
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I'd vote for Trump
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Old 06-15-2018, 03:29 PM   #34 (permalink)
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It's a fine analogy. Eating a big mac feels and tastes good when you do it initially but has bad long term repercussions. Spending irresponsibly with a credit card is fun initially until you reach the long term repercussions. Neither will do you in if you do them very rarely, but if you're dong it consistently then you're writing your death sentence.
You can’t file bankruptcy against diabetes and heart disease.

Fast food and sugar smacks do market themselves in an unethical manner but the framework for ethical lending goes back for centuries so we have agreed upon standards.
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Old 06-15-2018, 03:32 PM   #35 (permalink)
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That just seems like a bunch of expectations you place on them and not the reality of how they function. The only thing I expect from any company is for them to try and make money, rather their ethical or not is something you should probably consider before entering into a business deal with them.

Also, read the discussion since that post
Not everybody is lucky enough to have your education.
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Old 06-15-2018, 03:33 PM   #36 (permalink)
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You can’t file bankruptcy against diabetes and heart disease.
Well dang you got me there. I guess credit cards are better than McDonald's because McDonald's doesn't have safeguards.
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Old 06-15-2018, 03:39 PM   #37 (permalink)
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@Frown - It also bankrupts you with health expenses but lets ignore that for convenience sake.

@OH - Please show these agreed upon standards.

Also, I'm ignorant to finance and economics, my education would be useless to most in this dilemma. The point you were addressing was more of a street smarts assessment than book smarts.
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Old 06-15-2018, 03:42 PM   #38 (permalink)
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Old 06-15-2018, 03:43 PM   #39 (permalink)
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Old 06-15-2018, 04:09 PM   #40 (permalink)
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I'd be curious to find out what percentage of credit card company money comes from responsible, financially stable people who don't get caught up in a spiral of debt and how much comes from the people who get screwed.
Count me in the latter category. But I'm not blaming anyone. I wasn't a teenager when I got a credit card (several, in the end) and I knew damn well what I was doing. The companies just make it seem easy by saying "oh you only have to pay back this (minimum) amount each month", which you do (or I did, anyway) and somehow the exorbitant interest gets all forgotten about, till suddenly your 500 euro bill is becoming 1000 and the monthly payments are getting larger, and then finally, they tell you they're through ****ing with you. You missed some payments, so hand it all over. How? Not their problem.

But, not their fault. If you get a c/c you HAVE to be aware of how it works, generally, and if, like me, you choose to ride the system to see how far you can get, you deserve all that happens to you. As I did.

Far, far, FAR worse are these ****ing Payday Loan companies, with their 1000 percent-plus APRs! ****s. Should be illegal. Talk about preying on the weak, stupid, those without any sense of foresight and, of course, the desperate.
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