SomeLemmyUser

Yeah, sounds like its the same. Do debit cards also have a pin (so you can’t get money put of people once you have stolen it or they put it in your terminal once?)

Well girocards will give the shop the permission to make a one time withdrawal of the amount displayed on the screen, if that money is in your account. If the money isn’t in your account, the payment will not go through. Also if the shop wants to make a second withdrawal, you need to insert your card again and enter your (secret) pin again, they can’t choose what’s charged an when (only before you insert your card an pin, and only THIS transaction will be authorized).

Its a pretty secure system, as (as long as the card terminal isn’t hacked) you can’t spend more than you have, you don’t need to trust shops to only withdraw the agreed amount, and they can’t charge you a second time. Also the spending shows up on your account balance normally within 1 or 2 days.

From what I understand credit cards just let anyone make withdrawals of any amount, as soon as you know the numbers written on the card. So not only you need to trust the shop to withdraw only the correct amount, you need to keep track over you spendings really good, because they could just charge you an arbitrary amount of money on an arbitrary company name months after you gave them your details. Also from what I understand (normal) credit cards just will always work, and if you pay more than you have you just automatically accept a credit contract you need to pay back to your bank. Also (years ago, don’t know if still true) payments get charged to your bank account on bulk at the end of the month, which makes security and not spending to much even harder.

Yeah, this sounds reasonaboe, guess I habe to check if my Bank offers something like that. Credit cards are quite uncommon where I live, most people just use normal girocards for paying in shops and stuff (or physical money)

Yeah, maybe a good idea to look into stuff like this. Do you know privacy friendly ones (who don’t sell or record your purchase history)?

All data sucking big corporate leeches. I wish giropay would take off more

Same, cant use half of online services because I can’t have PayPal (and don’t want a credit card for security concerns)

I was imagining something like this in hexbear or lemmygrad, as people there seemed quite dogmatic at times, but even on Lemmy.ml? Sad to see this, as I had mostly positive interactions there till now

Yes the wording of this post is needlessly demanding, but people here blaming the disabled for a world that disables them need to think about their life choices.

You don’t tell a guy in a wheelchair to “just get legs” when he stands before a stair without ramp, you tell the guy who build the stairs to build a ramp.

Equally you don’t tell someone with impaired vision to “just host their own instance” you tell the guy who implemented the captcha to include an audio captcha.

Sure it should be done niceley and understanding from both sites, sure both should work on the solution, sure sometimes it isn’t possible to include everyone. But if someone would be to blame, its the ones excluding, not the ones excluded.

God, people show some solidarity for once.