Today's "Let's See How We Can Fuck Over the American Worker" Thread

[derspiess]

The comment was that people without checking accounts are stoopid. My point was that getting a checking account is a privilege, not a right, and not a privilege given to many with credit issues, ie The Poors. So, for those, even if they have a choice between the payment card or direct deposit, they don't really have a choice.

Are you talking about people who just have bad credit, or people who have a history of writing bad checks, walking away from overdrawn accounts at other banks, etc.?  I think you may be confusing credit checks with something else.

[Berkut]

I think being poor is a shitty situation in general.

As someone who ran a business employee people at and around minimum wage, I am at a loss as to how someone would expect the business to fix the problem. It isn't under their control in any way that is reasonable.

[garbon]

I think being poor is a shitty situation in general.

As someone who ran a business employee people at and around minimum wage, I am at a loss as to how someone would expect the business to fix the problem. It isn't under their control in any way that is reasonable.

Well if I had to pare down to the gist of the complaint in the article, it is that cost savings measures (i.e. these mandatory paycards) - businesses are now screwing over their employees who are already making so little. Presumably that is something under the businesses's control. However, as we'd already discussed the article doesn't say how prevalent that issue is and then goes onto say that employers only offering that one method could be in for trouble.

[merithyn]

Are you talking about people who just have bad credit, or people who have a history of writing bad checks, walking away from overdrawn accounts at other banks, etc.?  I think you may be confusing credit checks with something else.

No... I'm talking about a credit check. I've never had a problem with writing bad checks (had never done so, in fact), but the divorce ruined my credit. I was turned down by multiple banks for accounts due to my credit report, not due to TeleChecks reports.

[Caliga]

the divorce ruined my credit.

How'd that happen?

[derspiess]

No... I'm talking about a credit check. I've never had a problem with writing bad checks (had never done so, in fact), but the divorce ruined my credit. I was turned down by multiple banks for accounts due to my credit report, not due to TeleChecks reports.

So, no bad bank history?  Just bad credit?  I know credit history checks do happen sometimes, but I think it's intended to check for any red flags like bad check writing, fraud, and bad accounts rather than the credit score itself since they're not really evaluating your creditworthiness.

[Zanza]

I could get a checking account with a debit card at Citibank as a foreigner with no assets, very little income and no credit history without any undue hassle. I didn't even have a SSN at that point.

[Berkut]

I think being poor is a shitty situation in general.

As someone who ran a business employee people at and around minimum wage, I am at a loss as to how someone would expect the business to fix the problem. It isn't under their control in any way that is reasonable.

Well if I had to pare down to the gist of the complaint in the article, it is that cost savings measures (i.e. these mandatory paycards) - businesses are now screwing over their employees who are already making so little.

I see that is the article's claim, but they don't even try toa ctually show how it is the case, and instead rely on the outrage of people like Seedy who are looking for something to be outraged about, so don't bother to actually read the article and notice that there isn't anything actually there.

You can't say that business are "screwing over" their employess by offering them MORE choice than they had before - worst case they simply don't accept the choice and hence are no worse off than they were before. The article did not provide a single example where businesses actually forced anyone to pay any fees at all, beyond those that they could have potentially faced under the "standard" terms of a paper check.

[Siege]

I just watched that Ayn Rand movie, the second part.
Horrible movie, but a great story. Mindblowing.
I gave it 5 stars in Netflix.

[Caliga]

I just watched that Ayn Rand movie, the second part.
Horrible movie, but a great story. Mindblowing.
I gave it 5 stars in Netflix.

Dude, saying anything positive at all about Rand or any aspect of her work is like praising Hitler around here.  Prepare to be flamed.

[Admiral Yi]

This credit check to open a checking account business is certainly news to me as well.

[Eddie Teach]

I like how her major female characters all desperately want for some man to dominate them. 

[Caliga]

I like how her major female characters all desperately want for some man to dominate them. 

...which is quite ironic given her own personal life.

[Siege]

I like how her major female characters all desperately want for some man to dominate them. 

I don't get it.
Why wouldn't a strong woman want a strong man next to her?
Why do you assume strong women prefer weak men?

[Berkut]

Are you talking about people who just have bad credit, or people who have a history of writing bad checks, walking away from overdrawn accounts at other banks, etc.?  I think you may be confusing credit checks with something else.

No... I'm talking about a credit check. I've never had a problem with writing bad checks (had never done so, in fact), but the divorce ruined my credit. I was turned down by multiple banks for accounts due to my credit report, not due to TeleChecks reports.

That has nothing to do with being poor though - it has to do with having bad credit.