this post was submitted on 05 Mar 2024
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[–] [email protected] 3 points 9 months ago (1 children)

Yes but still won't keep late payments from potentially wrecking your credit.

[–] [email protected] 1 points 9 months ago

But they should, that's what credit is for. I understand that one day late shouldn't matter and every time I called my bank they cancelled the fee and the lateness of the payment.

But if you're a month late, it reflects on your credit worthiness

[–] [email protected] 190 points 9 months ago (8 children)

Disappointed in the comments here so far. There's a cardinal rule of improv that also works well for many other things in life, politics included: "yes, and".

This is a great change that will save folks money and make the country just a little bit fairer. Celebrate that, and then use the momentum to push for more. This builds alliances and a shared vision, instead of devolving into petty squabbles around direction.

[–] [email protected] 21 points 9 months ago (1 children)

You can please some of the people some of the time, but none of the people all of the time.

[–] [email protected] 8 points 9 months ago (1 children)

Do you mean all of the people none of the time?

[–] [email protected] -1 points 9 months ago (8 children)
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[–] [email protected] 36 points 9 months ago

It's definitely a start.

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[–] [email protected] 4 points 9 months ago (1 children)

they'll just charge 40% interest on that late fee.

[–] [email protected] 2 points 9 months ago

And then drop your credit score 120 points for a single missed payment. That's the problem with credit cards that needs to be fixed.

[–] [email protected] 10 points 9 months ago (1 children)

Okay. Why can't they just get rid of the fees altogether? Why do we need to have ANY kind of junk fees for anything? Oh wait, I know. To make rich people richer.

[–] [email protected] 4 points 9 months ago

They actually should, because they already change interest far in excess of LIBOR.

[–] [email protected] 45 points 9 months ago (10 children)

We need interest caps and a social safety net so people don't have to turn to 29% predatory lending.

[–] [email protected] 13 points 9 months ago* (last edited 9 months ago) (1 children)

That kind of commie talk makes St. Reagan cry.

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[–] [email protected] 116 points 9 months ago (4 children)

How about fucking "convenience fees" when I do shit like pay my fucking rent?

Always real "convenient" that there's a charge for paying your bills.

[–] [email protected] 94 points 9 months ago (3 children)

We used to pay our rent in 15-20 installments, one every day or two. The office of the apartment building we lived in was on the way to our apartment, so it wasn't any inconvenience for us to just drop a check in their drop box when we passed by, but I like to think it was mildly irritating for them to have to deal with the book-keeping. They asked us not to on multiple occasions but their only online option had a small "convenience charge" attached, so... No, thank you. I'd be happy to use it if they paid me a "convenience fee" for not making them process 20 checks every month.

[–] [email protected] 44 points 9 months ago (4 children)

The real issue is that the apartment building is charged a fee by their payment processor to use electronic payments, and they didn't want to pay it. It is a convenience fee for the bank customer (the building) because they have to do less work cashing checks.

It's stupid to try to pass that to people living in the building. Most personal bank accounts allow you to pay automatically with a check that's mailed for free. Paying by check is not inconvenient for individuals, it's only inconvenient for the person cashing all the checks.

[–] [email protected] 21 points 9 months ago (2 children)

The issue is further up the chain but it's an issue nonetheless. Banks want to go back to physical transactions about as much as people do, so in reality they should be charging for the physical to get people to move to digital.

It's safer, faster, and encourages more spending, just like a credit card does.

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[–] [email protected] 23 points 9 months ago (1 children)

That sounds like a nightmare for bookkeeping... I'm not sure if it's genius, evil, or both.
How did you keep track of which checks were cashed, and which ones were pending???

[–] [email protected] 36 points 9 months ago (1 children)

Our bank had a really nice web interface for that. We could just go to the website and see all of the checks, the amounts, and the dates they were cashed, and we weren't using checks for any other purpose, so there wasn't anything else diluting the list. They could have made it a hassle for us by selectively "losing" some occasionally, I suppose, but they never did.

[–] [email protected] 20 points 9 months ago (1 children)

It would have exacerbated the hassle for them as well.

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[–] [email protected] 21 points 9 months ago (3 children)

Let's cap fees doctors can charge for missing an appointment. Since doctors seem to want to schedule months out sometimes shit comes up and we don't know our schedule months away.

[–] [email protected] 3 points 9 months ago (1 children)

I'd rather have $20 per hour that a doctor keeps me waiting.

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[–] [email protected] 26 points 9 months ago (1 children)

I mean, if you have other shit going on that day, it's kinda on you to cancel or reschedule your appointment before whatever cutoff they have instead of just not going.

You made the commitment to be at your appointment at the scheduled time, and if you no show that's time that could have been spent seeing another patient and money they can't make because of your actions.

I've never had an issue if something came up the day of and I needed to reschedule, as long as I called the moment I knew I might not make it.

[–] [email protected] 8 points 9 months ago (8 children)

This is true, but if I made an appointment for 9, how come I don't see anyone but the nurse for two hours?

Seems like the doctor doesn't have a commitment to take care of my problem at the scheduled time.

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