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How would one go about boycotting a credit card company?
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Dr.Shadowds 🐉 eredeti hozzászólása:
rawWwRrr eredeti hozzászólása:
This is from a US perspective, so I'm assuming things may be different elsewhere. One option that I've toyed around with is just to have the purchase get charged to those installment payment companies, like Klarna, Synchrony, or Affirm, and then pay them directly. They will take payments via Visa/MC but discourage it with fees, preferring payments via checking/savings accounts. But that's the goal for OP anyway.

Some retailers have their own branded store cards, even Amazon has their own. They are typically managed by private financial institutions. Used to be everyone's first credit card was from a gas station. But those gas stations have move to branded Visa/MC now.

So if someone is determined enough, they could probably ditch their Visa/MC entirely, but it will put them at a disadvantage. And it's often good sense to use one for purchases because of the zero fraud liability that comes with them. If a checking account or debit card connected to it is used fraudulently, you're on the hook until that bank does their own investigation and decides to reimburse you. With Visa/MC, it's all forgiven upfront.

If I were to make a stand, I would look to use other options whenever possible. But you always have to look out for yourself. Plan for the long game. Protect your ability to pay for emergency items even if you despise Visa/MC because of their influence on Steam. Keep one of each on standby and use them as little as possible just to maintain the account. There may be one day in the future where they will be your only salvation. Just my 2 cents.
Cases like that would be store own credit system where they sell gift cards for their service, but issue this isn't a widely accepted share among others, and can encounter things like stores not having any credit system, or sell giftcard of their, or using other services gift card. Example Google Play, or Apple Pay.
Gift cards would just commit money to that store. It's not something I would recommend unless you know for sure that you're going to buy something and perhaps you can combine the purchase of those cards with some kind of loyalty system to double dip. You'd still need to find a way to buy them sans-Visa/MC.

But I was just offering other options that are out there.
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