I think you should select how much Crysta you pay, but it seems SE has gone for Microsoft's model of having the points system based on a set amount. I still buy Marketplace points on my XBox and what I have left over I leave until later. I set up Crysta on my account, call me mad but I think it's better than setting up a direct debit. As for Crysta going out, I haven't checked yet and there's maintainence on the SE Account Management System.
who got bill today by C&B
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09-04-2011, 10:35 PMSaefinn
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09-05-2011, 02:02 AMAlhanelemThey are already planning to do this. Did you not read the thread?Quote:
I think you should select how much Crysta you pay
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09-06-2011, 02:50 AMGreatguardian$15 is removed from my Checking Account. I pay 15 American Dollars. What I am left with is 205 Square Enix Crysta, a Faux Currency that can only be exchanged one-way. I do not have $2.05. I have loaned that difference to Square Enix Co. for potential use in future purchases.Quote:
Originally Posted by Alhanelem
You seem to be completely oblivious to the actual point which is simply that I would be loaning Square Enix Co. money that is not accruing any interest. Would I pay the same amount over time? Sure. I know that. I've said that. You're jumping to conclusions and making yourself look like (more of) a tool. But the current Crysta system essentially forces me to loan Square Enix Co money. They accrue additional cash now rather than later with the promise to return the funds at a later date.
Does that make a little more sense? Imagine going to an ACE and asking for a payday loan with 0% interest. What do you think would happen? They'd laugh your ass right out of the store. What about walking into a Bank of America and asking for a Mortgage with 0% interest? Again, not going to happen. So why should I be willing to loan my money to a multimillion dollar corporation at 0% interest?
This is still completely missing the original question, being "Does anyone have a phone number for ClickandBuy United States Support?" I do not want to have to make an international call to the UK just to fix this. -
09-06-2011, 03:49 AMAlhanelemSo what?Quote:
$15 is removed from my Checking Account. I pay 15 American Dollars. What I am left with is 205 Square Enix Crysta, a Faux Currency that can only be exchanged one-way.
Really. So what? Why does this matter? Unless you're planning to quit the game, that 205 square enix crysta is still going to get used. Nothing "potential" about it.
Again. IT DOESN'T matter. Loans? Interest? are you for real? Do you boycott microsoft and nintendo for having point systems? TWO FARKING DOLLARS. It wouldn't earn any interest in 1 month even if there was an interest rate. Then you start talkging about bank of america and mortgages and... yeah.
Your reason for protesting this is one of the most silly and absurd I've ever heard. YOu're blowing this totally out of porportion. Loans, interest... rofl. Square Enix is not a bank or a financial institution. Considering that SE already has the improvements in the works, your protest serves no purpose at all. Me? a "tool"? You're protesting because SE might hold two whole dollars between now and when they implement the exact payment option. I really can't imagine anything sillier than that.
The whole point is going to be moot after the change is made, which is why I'm saying all of this to you. I seriously want to know how Square Enix holding $2.05 of your money for less than 30 days and not paying you the diddly amount of interest bank accounts get these days going to harm or hurt you in any way. Are you living so paycheck to paycheck that $2 is going to be a matter of life and death? Because if that's so, you should probably cancel the game and put that $12.95 to better use.
(edit)Looking back, this post definitely went overboard. but making a deal about a miniscule "overpayment" that will later be made up for with an underpayment... It really is silly. I can't be the only one here who thinks so. -
09-06-2011, 12:54 PMGreatguardian
SE isn't the lending institution in this case, I am. I don't lend out money for free. I don't use Microsoft points or anything else for the same reason. If I'm going to buy something, I pay for it directly. Or, if the situation calls for it, I am loaned money (credit) and pay interest on it. I expect the same when the situation is reversed. When I loan people money in a business capacity, I expect interest to be paid on that loan.
Just because you don't seem to understand how corporate micro-loans work, doesn't mean I should have to sit here and explain to you why I choose not to do something that I find unethical.
Does it really matter that it's $2? Not really. Will I die without that $2? Nah. You don't empathize with the principle and that's fine. I don't expect anyone to. However, yes, you are coming off as a massive toolbag in this thread. I came here asking if anyone had a support phone number for ClickandBuy, because I was having issues with them, and you proceed to make a gigantic french shower out of yourself because I don't deal with corporate micro-loans? Over multiple posts, completely ignoring the repeated attempts to garner any real information about the original topic? Oh, and let's not forget the way you come into practically every thread that mentions ClickandBuy and talk about how they're "just not that bad gaiz".
I tell you what, if this company really did completely shut down their United States Phone Support Center right after adding thousands of North American customers to their portfolio, then they really are "That bad". Bro. -
09-06-2011, 09:46 PMKorpg
But Greatguardian, don't you know you are getting interest in the money you "loan" to SE?
The present value of $1 of an ordinary annuity (which applies in this case) for 1 month with today's rates (6%) is .99997
That means the future value of $1 in the next month is $.99997 today. SE is essentially paying you $.00003 interest for "borrowing" that money. You would have to loan them $100,000 to see $1 interest, however.
In other words, you are being anal about this whole situation. -
09-07-2011, 12:10 AMVivikSo you're trying to say over thousands of accounts and over the course of a month, SE is not earning interest off of that 2$? Did you grow up under a rock?Quote:
Originally Posted by Alhanelem
The point is SE is making a profit off of each payer that overpays each month. To say "well you get that back next month" or "it evens out in the end" is not the point. -
09-07-2011, 12:13 AMVivikand they could use the money today to invest in something with a larger return so yeah, you're wrong.Quote:
Originally Posted by Korpg
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09-07-2011, 01:20 AMAlhanelemYou are delusional if you think they are "making a profit" off this and they originally did it this way TO make a profit. if they really drop the $2 in an interest bearing bank account (I'm quite sure that's not how large corporations invest their money) the amount of interest they'd gain is immesurably small. Deposit $2 in a brand new bank account and let me know when it grows to $10 ok? I'll probably be dead by then.Quote:
So you're trying to say over thousands of accounts and over the course of a month, SE is not earning interest off of that 2$? Did you grow up under a rock?
The point is SE is making a profit off of each payer that overpays each month. To say "well you get that back next month" or "it evens out in the end" is not the point.
The number of people with leftover crysta balances together with their amounts results in a totally insigificant gain for them. It's not even measurable. You've established now you're protesting on principle, but it's a ridiculous principle because they gain so close to nothing from you that it may as well be nothing.
It's just amazing how ridiculous you can act over such a trivial issue that will become moot within a month or two.
Again, unless you are planning on quitting right now, they would get that $2 anyway, along with the other $10 when you pay next moth. it literally makes no difference whatsoever. $2 doesn't bring a large company like SE measurably closer to being able to invest more in a project.Quote:
and they could use the money today to invest in something with a larger return so yeah, you're wrong.
They are NOT making a profit off this "overpaying". They are NOT making a profit off this "overpaying". They are NOT making a profit off this "overpaying". Do you get it yet? It's not really even "overpaying" because the next month that overpayment is offset by an underpayment. The net gain for SE upon the release of the change to the system is ZERO. Z - E - R - O. You might have given them an extra $2.5 now, but then you get to give them less later. They gain NOTHING! NOTHING! Not ONE PENNY of "profit" (outside of what profit they normally make off your $12.95 of course...)!Quote:
The point is SE is making a profit off of each payer that overpays each month
Both you and GG are making a Mount Everest out of an anthill. The protesting should have stopped when they announced the change that was to make people happy. The fact that they said they would change the system in the first place should have been enough to stop this line of complaint. -
09-07-2011, 01:39 AMVivikI swear it's like talking to a brick wall. The fact still remains. They are taking your money (no matter how small it is per individual) and doing with it what they please. This all before your money is represented with a product/service. Which is the point. To argue on how insurmountable or insignificant the amount is is moot. The point still stands.Quote:
Originally Posted by Analhelm
I think it's delusional to think that a large corporation does not take the amount of money they can make off of the overages into consideration and just shows how much business sense you lack.
Oh and making any kind of money off of 2 dollars over the course of two months beats making it off of it for one month because you can make interest off of it's interest so yeah again, your lack of knowledge on investing money is pretty obvious.