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(NPR)   United States Post Office: Hey, I know. Let's start doing payday loans. That'll change everything   (npr.org) divider line 69
    More: Stupid, payday loans, Holiday Inn Express, prepaid cards  
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3812 clicks; posted to Main » on 07 Feb 2014 at 9:42 AM (41 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2014-02-07 07:57:00 AM  
They already sell money orders and I'd a lot rather that the Postal Services do check cashing, etc than most of the places that do it now(most traditional banks won't do anything for none account holders and payday loans are barely legal theft)
 
vpb [TotalFark]
2014-02-07 08:20:40 AM  

Voiceofreason01: They already sell money orders and I'd a lot rather that the Postal Services do check cashing, etc than most of the places that do it now(most traditional banks won't do anything for none account holders and payday loans are barely legal theft)


They can't be any worse.
 
2014-02-07 08:27:07 AM  
http://www.foxnews.com/us/2014/02/06/bankers-balk-as-postal-service- fl oats-plan-for-payday-loans-digital-currency/?intcmp=latestnews

Banking industry officials told FoxNews.com that the agency that suffered a net loss of $5 billion in fiscal year 2013 - the 7th consecutive year in the red - should instead stick to delivering envelopes and parcels and stay out of financial services.

"There's an old phrase: Do few things and do them well," said Bill Himpler, executive vice president of the American Financial Services Association. "The Postal Service has its hands full trying to stay above water in trying to accomplish its current mission. I would hate to see taxpayers on the hook for a half-baked venture like this.


How much did the financial industry cost our economy? And how much of that were the taxpayers left on the hook for?
 
2014-02-07 08:29:26 AM  

kbronsito: How much did the financial industry cost our economy? And how much of that were the taxpayers left on the hook for?


Wait, you're not saying the Postal Service doesn't have the expertise, systems, resources, management, facilities, culture, training and business plan required to loan money and make a profit. That's crazy talk.
 
2014-02-07 08:32:59 AM  
 "There's an old phrase: Do few things and do them well," said Bill Himpler, executive vice president of the American Financial Services Association

Well said Mr. Himpler. Which is why all those financial institutions (you know, the ones you represent) insist on getting into risky financial instruments like CDOs and CDS's instead of just focusing on being a bank.

Hypocrisy, how does it work?
 
2014-02-07 08:34:27 AM  

kbronsito: http://www.foxnews.com/us/2014/02/06/bankers-balk-as-postal-service- fl oats-plan-for-payday-loans-digital-currency/?intcmp=latestnews

Banking industry officials told FoxNews.com that the agency that suffered a net loss of $5 billion in fiscal year 2013 - the 7th consecutive year in the red - should instead stick to delivering envelopes and parcels and stay out of financial services.

"There's an old phrase: Do few things and do them well," said Bill Himpler, executive vice president of the American Financial Services Association. "The Postal Service has its hands full trying to stay above water in trying to accomplish its current mission. I would hate to see taxpayers on the hook for a half-baked venture like this.


The USPS is losing money because the GOP congress with GWB decided to create this massive and unnatural pension plan burden to drive the post office into bankruptcy and pave the way for private mail delivery. So, they need to branch out into other things to make up for that burden OR get a congress willing to overturn the retarded and punitive law that was foisted on them.
 
2014-02-07 08:42:09 AM  

Irving Maimway: The USPS is losing money because the GOP congress with GWB decided to create this massive and unnatural pension plan burden to drive the post office into bankruptcy and pave the way for private mail delivery. So, they need to branch out into other things to make up for that burden OR get a congress willing to overturn the retarded and punitive law that was foisted on them


So in other words, they'd be fine if they were allowed to generate massive, unfunded pension liabilities like everybody else.
 
vpb [TotalFark]
2014-02-07 08:46:01 AM  
flucto:

So in other words, they'd be fine if they were allowed to generate massive, unfunded pension liabilities like everybody else.

It works for everyone else.  (Not the little people, but you know what I mean)
 
2014-02-07 08:55:53 AM  

Voiceofreason01: They already sell money orders and I'd a lot rather that the Postal Services do check cashing, etc than most of the places that do it now(most traditional banks won't do anything for none account holders and payday loans are barely legal theft)


In some states, they aren't legal at all.  Online lenders will still give them out though.
 
2014-02-07 09:00:48 AM  

vpb: It works for everyone else.


It's not going to forever. It's the bailout that will make the banks look like the government just bought some girl scout cookies.
 
2014-02-07 09:07:11 AM  

flucto: Irving Maimway: The USPS is losing money because the GOP congress with GWB decided to create this massive and unnatural pension plan burden to drive the post office into bankruptcy and pave the way for private mail delivery. So, they need to branch out into other things to make up for that burden OR get a congress willing to overturn the retarded and punitive law that was foisted on them

So in other words, they'd be fine if they were allowed to generate massive, unfunded pension liabilities like everybody else.


So you know they were given retroactive responsibility for their employees pension and health care costs to the tune of $27 billion with no funds to offset that, right? They were moved out of the government retirement plan and into their own to help make the federal budget look better and screw the post office. Really, do some Googles.
 
vpb [TotalFark]
2014-02-07 09:08:43 AM  

flucto: vpb: It works for everyone else.

It's not going to forever. It's the bailout that will make the banks look like the government just bought some girl scout cookies.


Sure, but the little people are going to pick up the tab for that.

They don't mind, they even vote for that sort of thing.
 
2014-02-07 09:10:27 AM  

Irving Maimway: So you know they were given retroactive responsibility for their employees pension and health care costs to the tune of $27 billion with no funds to offset that, right? They were moved out of the government retirement plan and into their own to help make the federal budget look better and screw the post office. Really, do some Googles.


It may seem unfair but has there been a big push in the Obama administration to rectify that? In the Senate? Could it be that was possibly not such a terrible idea?
 
2014-02-07 09:14:26 AM  

flucto: Irving Maimway: So you know they were given retroactive responsibility for their employees pension and health care costs to the tune of $27 billion with no funds to offset that, right? They were moved out of the government retirement plan and into their own to help make the federal budget look better and screw the post office. Really, do some Googles.

It may seem unfair but has there been a big push in the Obama administration to rectify that? In the Senate? Could it be that was possibly not such a terrible idea?


The House won't bring it up for a vote.
 
2014-02-07 09:16:46 AM  

flucto: kbronsito: How much did the financial industry cost our economy? And how much of that were the taxpayers left on the hook for?

Wait, you're not saying the Postal Service doesn't have the expertise, systems, resources, management, facilities, culture, training and business plan required to loan money and make a profit. That's crazy talk.


the financial industry had all those things and we still ended up wasting billions to bail them out. Since this idea of the postal office as a provider of financial services is new and being developed we'd need more information to judge. But I would assume they'd only offer some limited very services and that they'd have to bring in some expertise in on how to do it. But I doubt that even if the fark it up in the worse way, that it will ever be as big a mess for the tax-payers as what the farkers  represented by the American Financial Services Association did to them. These concern troll aholes seem worried about some competition for a market they aren't even that active in, since the post office seems to be aiming at communities undeserved by the financial industry.
 
2014-02-07 09:20:02 AM  

kbronsito: the financial industry had all those things and we still ended up wasting billions to bail them out. Since this idea of the postal office as a provider of financial services is new and being developed we'd need more information to judge. But I would assume they'd only offer some limited very services and that they'd have to bring in some expertise in on how to do it. But I doubt that even if the fark it up in the worse way, that it will ever be as big a mess for the tax-payers as what the farkers represented by the American Financial Services Association did to them. These concern troll aholes seem worried about some competition for a market they aren't even that active in, since the post office seems to be aiming at communities undeserved by the financial industry.


In Switzerland the postal service provides a lot of financial services and they do it very well, so I see some precedent. But they're not lenders. I just can't see a basis for predicting the USPS would do a good job of that.
 
2014-02-07 09:45:03 AM  

flucto: kbronsito: How much did the financial industry cost our economy? And how much of that were the taxpayers left on the hook for?

Wait, you're not saying the Postal Service doesn't have the expertise, systems, resources, management, facilities, culture, training and business plan required to loan money and make a profit. That's crazy talk.


And the banking industry does?
 
2014-02-07 09:50:40 AM  
Thanks, Obama.
 
2014-02-07 09:50:52 AM  
It's a good idea; they'd be providing a service and expanding their market share. Plus, they'd make tons of money. And they couldn't be any worse than the vultures that already do it. There's one near my house that is all decked out in red, white and blue; with flags and crosses and flags wrapped around crosses and prints of Norman Rockwell paintings on the wall.
 
2014-02-07 09:51:03 AM  
Fark payday loan places. That is all.

/got hooked by one in my 20s.
//paid it off in my 30s
 
2014-02-07 09:51:07 AM  
Maybe they should start selling cigarettes.
 
MFK
2014-02-07 09:51:26 AM  

Irving Maimway: flucto: Irving Maimway: So you know they were given retroactive responsibility for their employees pension and health care costs to the tune of $27 billion with no funds to offset that, right? They were moved out of the government retirement plan and into their own to help make the federal budget look better and screw the post office. Really, do some Googles.

It may seem unfair but has there been a big push in the Obama administration to rectify that? In the Senate? Could it be that was possibly not such a terrible idea?

The House won't bring it up for a vote.


my shocked face. Let me show you it: 0_0
 
2014-02-07 09:52:30 AM  
Why not? The government is already in the extortion business.

Why not expand it to loans as well ... look how Fanny Mae and Freddy Mac turned out with their loans - proof they know how to do this right!
 
2014-02-07 09:54:38 AM  

flucto: Irving Maimway: The USPS is losing money because the GOP congress with GWB decided to create this massive and unnatural pension plan burden to drive the post office into bankruptcy and pave the way for private mail delivery. So, they need to branch out into other things to make up for that burden OR get a congress willing to overturn the retarded and punitive law that was foisted on them

So in other words, they'd be fine if they were allowed to generate massive, unfunded pension liabilities like everybody else.


You are a complete moron.

Congress forced the Postal Service to 100% fund the pensions of workers that AREN'T EVEN FARKING BORN YET! Or specifically - fully fund the pension system 75 years into the future. And I'm sure that Congress won't be able to keep their greedy mitts off of the massive pile of money that is being built up right now.
 
2014-02-07 09:56:58 AM  
Not a bad idea

Western Union is a great example of how a communication service can evolve into a financial service.
 
2014-02-07 09:57:04 AM  

MFK: my shocked face. Let me show you it: 0_0


Yeah, that's just another artard piece of this whole fiasco. That the USPS wants to do this, and post offices in other countries do, at a cost vastly lower than what payday lenders do, plus the lack of banks in many poor neighborhoods makes this an easy fix for a retarded problem they got shafted with.

You'll also note the WSJ, Darrell Issa, and other GOP stalwarts are using this to renew their call to sell off or privatize the post office is showing what the real end goal was all along.
 
2014-02-07 10:14:19 AM  

Irving Maimway: kbronsito: http://www.foxnews.com/us/2014/02/06/bankers-balk-as-postal-service- fl oats-plan-for-payday-loans-digital-currency/?intcmp=latestnews

Banking industry officials told FoxNews.com that the agency that suffered a net loss of $5 billion in fiscal year 2013 - the 7th consecutive year in the red - should instead stick to delivering envelopes and parcels and stay out of financial services.

"There's an old phrase: Do few things and do them well," said Bill Himpler, executive vice president of the American Financial Services Association. "The Postal Service has its hands full trying to stay above water in trying to accomplish its current mission. I would hate to see taxpayers on the hook for a half-baked venture like this.

The USPS is losing money because the GOP congress with GWB decided to create this massive and unnatural pension plan burden to drive the post office into bankruptcy and pave the way for private mail delivery. So, they need to branch out into other things to make up for that burden OR get a congress willing to overturn the retarded and punitive law that was foisted on them.

 
2014-02-07 10:26:41 AM  

Orange-Pippin: Irving Maimway: kbronsito: http://www.foxnews.com/us/2014/02/06/bankers-balk-as-postal-service- fl oats-plan-for-payday-loans-digital-currency/?intcmp=latestnews

Banking industry officials told FoxNews.com that the agency that suffered a net loss of $5 billion in fiscal year 2013 - the 7th consecutive year in the red - should instead stick to delivering envelopes and parcels and stay out of financial services.

"There's an old phrase: Do few things and do them well," said Bill Himpler, executive vice president of the American Financial Services Association. "The Postal Service has its hands full trying to stay above water in trying to accomplish its current mission. I would hate to see taxpayers on the hook for a half-baked venture like this.

The USPS is losing money because the GOP congress with GWB decided to create this massive and unnatural pension plan burden to drive the post office into bankruptcy and pave the way for private mail delivery. So, they need to branch out into other things to make up for that burden OR get a congress willing to overturn the retarded and punitive law that was foisted on them.


Absolutely, they should burden the taxpayer with unfunded liabilities like everyone else.
 
2014-02-07 10:26:58 AM  
-OR- they could stop paying for the healthcare and livelihood of people that don't work for the entity. Crazy, I know.
 
2014-02-07 10:27:19 AM  
Why stop at financial services? How about booze, drugs, hookers, clothing, sporting goods...
 
2014-02-07 10:34:34 AM  

Inyego: Why stop at financial services? How about booze, drugs, hookers, clothing, sporting goods...


There is a real need in a lot of communities for a safe, reputable and honest place to cash checks and as others have noted those types of services are traditionally available at the post office in a lot of countries.
 
2014-02-07 10:40:50 AM  
Here's a better idea:

Mandate that any bank must cash any check written on that bank for free.

And ban them from asking for fingerprints to do so.
 
2014-02-07 10:45:57 AM  

DarkVader: Here's a better idea:

Mandate that any bank must cash any check written on that bank for free.

And ban them from asking for fingerprints to do so.


certainly sir, I'll just need to see three forms of ID and I'll need your SS# to run a credit check.

/many people get paid with checks that are not drawn off of a local bank.
 
2014-02-07 10:47:41 AM  

flucto: Irving Maimway: So you know they were given retroactive responsibility for their employees pension and health care costs to the tune of $27 billion with no funds to offset that, right? They were moved out of the government retirement plan and into their own to help make the federal budget look better and screw the post office. Really, do some Googles.

It may seem unfair but has there been a big push in the Obama administration to rectify that? In the Senate? Could it be that was possibly not such a terrible idea.


Elizabeth Warren has taken up the banner on this. We may actually see something happen.
 
2014-02-07 10:50:00 AM  
Combining USPS service people with banking services.  Worst idea I have seen in a while.  They still require your cards to be signed on the back.  I haven't signed the back of my cards in years, because it common sense to not give the thief who stoled your wallet, your signature to copy.  I haven't signed it for all the other transactions without issue of payment, I sure am not going to sign it for stamps.  Especially when the USPS branch here won't carry the forever stamps.

/When UPS, Fedex or DHL get into route delivery services, then I will care.
//Care to ship through them
 
2014-02-07 10:53:38 AM  
They're not doing payday loans, geez. They're selling Postal Money Order debit cards so people can pay bills online with them, which is not a substantial differential from what they have now.

Also, as TFA demonstrates, 'active money orders' are a service the postal service historically performed under the Postal Savings System up until fairly recently, and it would be relatively simple to dust off again and reboot it.
 
2014-02-07 10:58:07 AM  
It's pretty common in other countries....

http://en.wikipedia.org/wiki/Postal_savings_system
 
2014-02-07 11:01:37 AM  

flucto: Irving Maimway: So you know they were given retroactive responsibility for their employees pension and health care costs to the tune of $27 billion with no funds to offset that, right? They were moved out of the government retirement plan and into their own to help make the federal budget look better and screw the post office. Really, do some Googles.

It may seem unfair but has there been a big push in the Obama administration to rectify that? In the Senate? Could it be that was possibly not such a terrible idea?


Or could it be that the party responsible for that debacle didn't simply stop after one "success," and continues to act maliciously to destroy the American way of life every minute of every day, and the Obama administration and Senate are forced to run around with their fingers in the dykes trying to hold out until the American people realize that their shiatty education was in fact the first part of a massive GOP conspiracy to breed idiots who vote against their own interests whenever a few doublespeak keywords are sent to them through selected channels?

It takes much less effort to destroy something than to maintain or repair it. It's not like one guy can drive around destroying mailboxes with a baseball bat and another guy can drive around repairing or rebuilding them just as fast. If things continue the way they are there is no President or half of a branch of government that can stop the destruction.
 
2014-02-07 11:04:50 AM  

kbronsito: http://www.foxnews.com/us/2014/02/06/bankers-balk-as-postal-service- fl oats-plan-for-payday-loans-digital-currency/?intcmp=latestnews

Banking industry officials told FoxNews.com that the agency that suffered a net loss of $5 billion in fiscal year 2013 - the 7th consecutive year in the red - should instead stick to delivering envelopes and parcels and stay out of financial services.

"There's an old phrase: Do few things and do them well," said Bill Himpler, executive vice president of the American Financial Services Association. "The Postal Service has its hands full trying to stay above water in trying to accomplish its current mission. I would hate to see taxpayers on the hook for a half-baked venture like this.

How much did the financial industry cost our economy? And how much of that were the taxpayers left on the hook for?


The USPS constantly runs in the deep red because of a law passed during the Bush administration, where they have to fund out their pension program for something like the next 75 years.  Yes, for postal employees who haven't even been conceived yet.  They are the ONLY federal agency required to do this.
 
2014-02-07 11:19:26 AM  

Sgt Otter: kbronsito: http://www.foxnews.com/us/2014/02/06/bankers-balk-as-postal-service- fl oats-plan-for-payday-loans-digital-currency/?intcmp=latestnews

Banking industry officials told FoxNews.com that the agency that suffered a net loss of $5 billion in fiscal year 2013 - the 7th consecutive year in the red - should instead stick to delivering envelopes and parcels and stay out of financial services.

"There's an old phrase: Do few things and do them well," said Bill Himpler, executive vice president of the American Financial Services Association. "The Postal Service has its hands full trying to stay above water in trying to accomplish its current mission. I would hate to see taxpayers on the hook for a half-baked venture like this.

How much did the financial industry cost our economy? And how much of that were the taxpayers left on the hook for?

The USPS constantly runs in the deep red because of a law passed during the Bush administration, where they have to fund out their pension program for something like the next 75 years.  Yes, for postal employees who haven't even been conceived yet.  They are the ONLY federal agency required to do this.


No, their past accounting practices are putting them in the red. And that is true of a great many institutions.

This particular act passed by unanimous consent, meaning every senator and congressman voted for it or at a minimum failed to vote against. It was endorsed by both of the postal unions. It's not an attack by the Republican boogey men.

Also, the characterization that we're forcing the Service to pay for pensions for the next 75 years is not right. We're forcing them to fund health insurance for retirees, current and past, to cover a $47 billion hole already accrued. http://www.bloomberg.com/news/2012-08-02/understanding-the-post-office -s-benefits-mess.html

Unlike other Federal agencies, it's understood that the Postal Service is in serious trouble do to changing realities. Their volume drops every year and as their revenue goes down it gets harder and harder to fund their past liabilities. That's why they were singled out.

Bad idea? Could have been done better? Maybe. Should be allowed to run as they were? No way.
 
2014-02-07 11:20:36 AM  

Irving Maimway: flucto: Irving Maimway: So you know they were given retroactive responsibility for their employees pension and health care costs to the tune of $27 billion with no funds to offset that, right? They were moved out of the government retirement plan and into their own to help make the federal budget look better and screw the post office. Really, do some Googles.

It may seem unfair but has there been a big push in the Obama administration to rectify that? In the Senate? Could it be that was possibly not such a terrible idea?

The House won't bring it up for a vote.


The Democrats controlled both house in 2011-2012. They did nothing good with that power. USPS workers are overpaid clerks and delivery drivers, and they should either pay their own pension, or lose it.

Other than socialist d-bags, everyone would accept the notion that 6 residential deliveries a week is a stupid waste of money, and bad for the environment. Three deliveries a week is plenty.
 
2014-02-07 11:22:24 AM  
Maybe we should just make actual banking a bit more accessible to "poor people"?

Sure, some people have bad credit, and should be charged more interest for the increased risk, but not a whole lot more.  But most people have assets of some kind that they could borrow against, and jobs, so the lenders can usually find them.

If you don't have a job or assets, then you don't need money, you need a homeless shelter.

You have to wonder how many people who got farked by a payday loan place never even tried going to their actual bank and asking for a better loan.
 
2014-02-07 11:28:44 AM  

flucto: No, their past accounting practices are putting them in the red.


They were meeting their pension obligations and are operating profitably other than having to fund pensions for people who are not current employees. Restructuring their pension funding was probably the right thing to do but it's being done in a way that basically guarantees the destruction of an otherwise healthy organization.
 
2014-02-07 11:31:10 AM  

kbronsito: http://www.foxnews.com/us/2014/02/06/bankers-balk-as-postal-service- fl oats-plan-for-payday-loans-digital-currency/?intcmp=latestnews

Banking industry officials told FoxNews.com that the agency that suffered a net loss of $5 billion in fiscal year 2013 - the 7th consecutive year in the red - should instead stick to delivering envelopes and parcels and stay out of financial services.

"There's an old phrase: Do few things and do them well," said Bill Himpler, executive vice president of the American Financial Services Association. "The Postal Service has its hands full trying to stay above water in trying to accomplish its current mission. I would hate to see taxpayers on the hook for a half-baked venture like this.

How much did the financial industry cost our economy? And how much of that were the taxpayers left on the hook for?


In the last 100 years, they've damn near destroyed it at least three times.
 
2014-02-07 11:34:14 AM  

flucto: Irving Maimway: So you know they were given retroactive responsibility for their employees pension and health care costs to the tune of $27 billion with no funds to offset that, right? They were moved out of the government retirement plan and into their own to help make the federal budget look better and screw the post office. Really, do some Googles.

It may seem unfair but has there been a big push in the Obama administration to rectify that? In the Senate? Could it be that was possibly not such a terrible idea?


No matter how much you keep sucking that corporate cock, when they're done with you they'll kick your whore ass to the curb the same as the rest of us.
 
2014-02-07 11:37:13 AM  
They should also do hair weaves and sell lottery tickets.  That'll REALLY class the place up!
 
2014-02-07 11:45:30 AM  
Good.  They need a retail boost.  Also, you can order stuff online, pay for it and the USPS can bring it to your door.  There's a metric ton of honest, useful revenue here for a service that is crucial to the nation at large and trying to money with a 2014 union and 1979 prices and a very limited amount of ways to make a buck.  I'm all for it.
 
2014-02-07 11:49:18 AM  

Voiceofreason01: They were meeting their pension obligations and are operating profitably other than having to fund pensions for people who are not current employees. Restructuring their pension funding was probably the right thing to do but it's being done in a way that basically guarantees the destruction of an otherwise healthy organization.


Yeah but there's a real concern that given the decline in revenue they would crater. Since they're funded by revenue and not by tax they're unique in that way. I like the idea of letting them branch out and I like the idea of letting them pay off the old accounting deficit over a period longer than 10 years if there's a reasonable expectation that their revenue projections are solid. Congress should also butt the fark out on operational details.
 
2014-02-07 11:54:36 AM  
While we're at it, let's look at the IRS and their wealth redistribution business.  They take hundreds of billions of dollars out of the liquid economy, move it upchain and then hand it to corporate pirates who blow it on attaboy pay to the very wankers who tanked entire economic sectors, further crippling the chattel economy.  Then they write bad checks and bill us for those, too.  And GE wipes it's ass with gold leaf and pays nothing for use of the infrastructure.  That's not a good business plan, hoovering money out the wallets of working people because "we said so" and producing nothing but receipts and corporate lipstick prints on their asses.  If the federal government was a mom and pop store it would have been closed down and auctioned off years ago.  It spends money it doesn't have from a customer base that consists largely of paupers and then hands the accounts receivable to the richest 1% of the country.  Governance is nothing more than business management, and these fat foolish old men suck at it.  Start making then show their books or make them set up taco stands and asphalt and sewage pipe stores next to the all night Post Mart.
 
2014-02-07 12:02:12 PM  

lack of warmth: Combining USPS service people with banking services.  Worst idea I have seen in a while.  They still require your cards to be signed on the back.  I haven't signed the back of my cards in years, because it common sense to not give the thief who stoled your wallet, your signature to copy.  I haven't signed it for all the other transactions without issue of payment, I sure am not going to sign it for stamps.  Especially when the USPS branch here won't carry the forever stamps.

/When UPS, Fedex or DHL get into route delivery services, then I will care.
//Care to ship through them


I won't take a credit card that isn't signed.  I also won't take one that some idiot wrote "see id" on the back.  The merchant agreement says that I don't get paid if the card isn't signed.

You're protected from unauthorized transactions if the card is stolen.  Your card isn't valid if it isn't signed.  Stop being an idiot and sign your card.

/I usually get checks anyway.  Cash makes me happiest, but most businesses don't want to pay in cash.
 
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