As a consumer they're hoping to interest you with better technology, usually a better mobile app experience.

The business model is to partner with a smaller bank and earn credit card like interchange income on debit card transactions due to the Durbin amendment. No other business model needed if you can get a bunch of consumers using a debit card. This applies to U.S. fintech's offering debit cards anyway. https://tanay.substack.com/p/fintech-and-regulatory-arbitrag...

The only thing fair in life is a ball hit between first and third.

Nah, he's wrong, even in America.

I disagree, or at least my experience on private servers hasn't been this. Putting a group together in chat and getting everyone to the instance takes time and work yes, but that generally means you don't bail at the first wipe.

It might not work that way with new players coming in to classic, but making it trivially easy to group and port to an instance has its own problems.

I've seen debit card's with a points system at a credit union (just sharing so you can research) https://www.redwoodcu.org/personal/redwood-rewards I have no affiliation with them, had just been researching something similar a few months back.

I don't personally want to use a debit card for my everyday purchases, mostly for security reasons. I figure if I only use a credit card, then if the card gets compromised I can argue with my bank over the charges rather than asking them to put money back in my checking account while the fraud is investigated. Cashback on purchases is just icing on the cake.

https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-cr... Credit Cards have better mandated federal requirements about fraud protection. Limit of $50 generically, where Debit cards are limited at $50 if reported in 2 days (which is hard to do).

Some banks go above and beyond for Debit Cards but check with your bank.

I have similar concerns, although my wife and I have sworn off using credit cards due to candidly our lack of discipline paying the balance off in time. Do you think things like Apple Pay with the virtual cards provide that layer of security?

To any bank out there: I think if you offered a debit card that is backed by "virtual money" rather than the cardholders physical account, you would get my business in a heartbeat. The primary difference between the OP's answer is when your debit card is compromised, you are on the hook until the investigations are completed and still it is not a guarantee your funds are recovered.

yes, until the protections are equalized for debit cards relative to credit cards, use credit cards and pay them off monthly.

set up autopay to pay the full statement balance each month from your checking account, so you don't have the hassle of dealing with it every month. then have all other monthly bills autopaid with your credit card(s), so you get points for that too. (this is what i do.)

They're usually reserved for people with bad credit, but you can request a secured credit card. The limit is however much you put into an attached savings account. So you have to have the money before you spend it. It's still a credit card, you just have to put cash up front.

Mobile wallets are pretty secure and when you use them to pay you aren't handing over your card number, kind of similar to using chip cards. If you're not going to use a credit card, then a debit card run though Apple or Google Pay is what I'd go for.

if it's an overspending issue you could always try a charge card where you have to pay off the balance every month. the benefit is that they usually have comparable rewards and still act as a firewall for your checking account. if it's more of a "just can't remember to pay on time" issue, then it won't really help.

you could also setup autopay against your checking account. in theory, it shouldn't be any harder to ensure you don't overdraft one time at the end of the month if you are already making sure you don't overdraft for each purchase, but everyone has their own weird hangups, so I'm not judging.

We have zero liability backed by MasterCard, so if there is a charge you don't recognize we will refund you right away and take it up with the merchant instead of leaving you with $X amount less in your bank account.

Also wanted to mentioned, we offer a virtual card for online purchases as a security pre-caution.

That's actually pretty nifty. I think you should add another section to your landing page about security that mentions chips, mobile wallets, and virtual cards for online payments. Those are all factors I'd look at when shopping for a new bank account.

Thanks for sharing! What we meant is that we are the first debit card with meaningful rewards that are comparable to those of a credit card.

Re security: We allow you to have full control over the card for enhanced security: Ex: You can set daily spending limits, turn ATM withdraws on/off, and get instant notifications every time your card is swiped.

  rewards that are comparable to those of a credit card

But who pays for those rewards?

With a credit card, my rewards are a partial kickback of the fees charged to the merchant. Those aren't present in a debit transaction, which may have just a small per-transaction fee that doesn't vary with purchase amount.

Where does that money come from? Is the plan based on selling demographic or purchase history data to third parties?

We do a partial kick off of interchange fees as well, since we are partnered with a smaller bank this allows us to have a larger merchant fee.

Not saying it's not secure, I just enjoy a firewall between the card I use and my cash balances. I pay off the balance each month so it works well for me. I understand it doesn't work for everyone and that only using a debit card helps some people live within their means, kudos for trying to build a good product for that market.

I used to think the same, that roasting burns off the caffeine so lighter roast = more caffeine.

But when I looked for a source on that one day it seems like that's a myth. There can be differences based on whether you measure by weight vs volume but that's about it. https://www.kickinghorsecoffee.com/en/blog/caffeine-myths-da...

So now I just say I like light roasts because I like to taste the coffee and not the roast.

It's common to use the term 'freeway' or 'Interstate' (meaning Interstate Highway/Freeway) to refer to controlled access highways in the US.

There's lots of highways in the US that are just 2 lanes, one in each direction, with a speed limit of 55mph and cross traffic from smaller roads that should stop first before turning on the highway in either direction. These are what we usually mean with the word 'highway'.

You're paying for the brand and for consistency. People love Starbucks because they know what there getting, you can order a Starbucks drink in Colorado and have it taste the same as if you ordered it in Tokyo or Prague etc. (so I've heard)

You can also end up with something that's pretty much a milkshake with caffeine but instead of walking around looking like a fatty with your DQ blizzard cup you can be cute and trendy with your Starbucks cup.

Funnily, ALDI/Trader Joes also roasts and sells coffee (they are only testing selling of freshly brewed coffee in some locations). They’re everywhere, and their quality is actually very high.

It will be interesting to see how Starbucks is going to react when a big player like ALDI is going to take their territory.

In the first paragraph of the post "he claimed the page ... contained defamatory material" so this isn't the normal cut and dry copyright infringement notice. I'm sure they know how safe harbor works.

You might get away with "Onesies" if you actually use Gerber brand clothes to make your product. You'd need the Gerber logo tag in the product photo and even then they probably won't like it.

For alternatives you can go with one-piece, (baby)jumpsuit, or rompers. Creepers is the term everyone uses in the UK.

Source - Too much time dealing with this exact naming issue.

Appreciate you sharing your experience. Never even thought about it.