who got bill today by C&B
who got bill today by C&B
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09-01-2011, 11:05 PMchintuwho got bill today by C&B
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09-01-2011, 11:36 PMKorpg
Why would you want to know?
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09-02-2011, 12:03 AMCleer
I did along with my wife.
My cost should be $16.95 USD
Google exchange rate is as follows.
1 CAD = 1.02135 U.S. dollars
I should be paying $16.60.
But clickandsteal exchange rate is so out of date.
Clickandsteal
Currency Exchange Rate
1 CAD = 0,9585 USD
17.68 CAD is what I was charged.
Kind of pissed off about that.
The Canadian dollar has been stronger then the US dollar for about a year.
Don't see any other hidden fees other then a bad exchange rate. -
09-02-2011, 12:19 AMchintu
i want to know
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09-02-2011, 01:41 AMBehemothxActually, your credit card handles the conversion. Credit card companies always protect themselves from rate fluctuations by adding 3~6% above the current rate, even banks do that if you're gonna go convert funds.Quote:
Originally Posted by Cleer
The CAD$ would have to be at around 1.05 or more for you to be charged 1:1 to USD$ but it's only 1.02615 at the moment. -
09-02-2011, 09:33 PMchintu
i still not got my bill form C&b
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09-02-2011, 10:32 PMVivik
How I mine Click & Buy!?
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09-02-2011, 11:37 PMKorpgI guess the appropriate question is: When did you transfer your account from PoL to SE?Quote:
Originally Posted by chintu
The billing for that starts on that date, not at the end of the month. Every 30 days from the start of the billing cycle will be when you get billed, and the billing cycle starts over again. -
09-02-2011, 11:41 PMchintu
on the 2 of last month
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09-02-2011, 11:44 PMKorpg
You have probably been billed, but your bank may require a 2-3 day waiting period to see if you would dispute the charges.
Go to your bank now and find out if you have been billed from an United Kingdom based company yesterday. If your bank has online support, you can find out from there. -
09-02-2011, 11:45 PMchintu
this is a dumb move se have make
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09-03-2011, 01:03 AMKorpg
No it is not. This is a very smart move of Square Enix because it alleviates the cost of their billing department and heightens security for the customers (us) by moving the direct billing from the company to a third party provider with better security options that Square Enix has currently.
It is very expensive to have the type of security options that Click and Buy have, and since the volume of transactions are very different between the two companies (thousands of transactions per month for Square Enix vs Billions of transactions per month for Click and Buy) it would make sense for Click and Buy to have those security options that Square Enix wants. So, Square Enix contracts to Click and Buy for using these options at a reduced rate of having to pay for these options outright.
They also alleviate the cost of billing each customer per month by this new payment system by paying Click and Buy a small amount per customer (they already want the security options that Click and Buy offers, this is just a bonus for Square Enix) to help reduce the cost of keeping Final Fantasy XI continuing.
Long story short, this new system will help maintain FFXI for a longer period by this method than if they continued to use the same method as before.
Also, inb4SEhatersputtingtagsonthisthreadtellingmetogodieinafire. -
09-03-2011, 01:12 AMAlhanelem
People are overstating how bad and evil clickandbuy is, but you're also going a little overboard in how much you're loving SE.
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09-03-2011, 02:23 AMBehemothxlol dude. Fine, you like SE so very much, everyone by now knows that. It does work fine for me and you but you have to understand that a lot of people are having issues with C&B.Quote:
Originally Posted by Korpg
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09-03-2011, 03:04 AMKorpgI have never professed love towards any company. I am stating what is considered Business Sense (since nobody here can understand or try to understand why companies do the things they do) and Business Logic (not to be confused with conventional logic, but it really is an understanding of how businesses work).Quote:
Originally Posted by Alhanelem
You have to realize that everything I have stated is an outsider's point of view in how and why things happen the way they happen.
Also, you have to understand that all of this explaining does not constitute the emotion of "love" at all. I do not wish to destroy the company, so why should I profess love towards it?
I don't like a specific company either. People who are having issues with Click and Buy are having issues with Click and Buy, not Square Enix. Their grief should be focused on Click and Buy only. Go to Click and Buy's forums and/or directly contacting them to express your grief, not whine about it here.Quote:
Originally Posted by Behemothx
You guys need to realize that explaining a situation to others who don't understand the situation is not the same as expressing love/hatred/emotion towards the situation. Words do not have emotion, why do you keep putting emotion into my words? -
09-03-2011, 06:46 AMGreatguardian
Tangent!
Does anyone have a working telephone number for Click and Buy Customer Service?
I locked myself out of the C&B account I made like a year ago for ff14 and can't log into it to update the old expired CC on there. Their website basically requires you to beat the crap out of it before it will give you a phone number for the US, and the one it does give (1-877-265-7821) has been disconnected. As of right now (just changed in the past 12 hours), that number no longer even appears on their website and they only give me an option to call a long-distance United Kingdom number.
I've emailed their support staff 3 times trying to get either a phone number or an account password reset, and they've done absolutely nothing about it.
I will not be anything remotely resembling happy if I find out that this company has closed its United States Phone Support Center almost immediately after brokering an arrangement with Square Enix that would add a couple hundred thousand United States accounts to their repertoire.
Edit: Pre-emptive derp, I already tried calling the Playonline Information Center and even SE doesn't have a phone number for Click and Buy nor any way to help with their bullcrap (aside from buying Crysta, which I refuse to do while it is only available in $5 increments) -
09-03-2011, 07:45 AMAlhanelemThat's pretty silly. It's not like you're going to lose any money or anything. You will make up for any "over" payment with an underpayment when the change is made. The net efffect is you paid $12.95 (or whatever you pay) for each month you used crysta.Quote:
(aside from buying Crysta, which I refuse to do while it is only available in $5 increments)
You don't need to protest or boycott something that is being fixed. -
09-04-2011, 04:04 PMGreatguardian
I'm not boycotting anything. I simply refuse to pay $15 for a game that costs $12.95. Will I get the money back in 6 months? Sure. However, I'm not the type to loan a corporation money any that isn't accruing interest. It's bad business on my part. Letting that $2.05 (or the whole $12.95 this month if this isn't fixed) rot in a checking account does more for me than loaning it to any multimillion dollar corporation.
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09-04-2011, 04:57 PMAlhanelemYou aren't paying $15 for a game that costs $12.95. Only the $12.95 worth of crysta is removed from your account, leaving the $2.05 in your account. Let's just say for a moment the change takes place now, you would only pay $10.90 for the month after. IT BALANCES OUT. YOU AREN"T PAYING MORE. Your refusal is based on a false premise.Quote:
I simply refuse to pay $15 for a game that costs $12.95.
15.00 + 10.90 = 12.95 + 12.95
Unless you're going to keel over tomorrow because that $2.05 is sitting in your account, it has zero overall effect on you.Quote:
rot in a checking account does more for me than loaning it to any multimillion dollar corporation.
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09-04-2011, 10:16 PMchintu
it pay same amount my worry is over it pay same amount my worry is over:D:D
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09-04-2011, 10:35 PMSaefinn
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.
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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. -
09-07-2011, 01:42 AMAlhanelemThere is in effect ZERO difference between taking $15 now and taking $10 later vs taking $12.50 now and $12.50 later. You can't argue against this. The amount of money they gain is no different whatsoever.Quote:
I 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.
No, the point does not still stand. The point is destroyed byQuote:
To argue on how insurmountable or insignificant the amount is is moot. The point still stands.
1) the planned removal of the system, and
2) the insignificance. The harm to you is completely insignificant unless you quit playing before the change of the system. You have no point. You are just being a rotten apple, or crying over spilled milk, or whatever the best cliche phrase like that would be. -
09-07-2011, 01:44 AMVivikYou can make interest off of the interest gained from the month before, so you're wrong.Quote:
Originally Posted by Analhelm
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09-07-2011, 01:48 AMAlhanelemThe amount of interest gain from that is mathematically insignificant.Quote:
You can make interest off of the interest gained from the month before, so you're wrong.
Go ahead. Go to your bank right now, and deposit $15. Deposit $12.95 in another account. Next month, deposit $10 in the first account, and $12.95 in the second. The following month, check the balances. Any interest gain from the month before is offset by the smaller deposit made the next month. They do NOT gain anything from that unless you stop paying, so you're wrong.
Over time, it does not matter whether you deposit more money in the bank and less later versus depositing a constant amount both times.
No, actually, it's not. Your lack of understanding of basic math is more obvious.Quote:
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.
1% interest:
$15 (deposit month 1) + 1% interest = $15.15 ; plus $10.90 (deposit month 2) = $26.05; +1% interest for month 2 = $26.31
$12.95 (deposit month 1) +1% interest=$13.0795; plus $12.95 (deposit month 2) = $26.289795; +1% = $26.55269295.
so, oh wait. Unless I did my numbers wrong somewhere, they actually get more money by paying $12.95 constantly, than by over then underpaying! -
09-07-2011, 01:54 AMVivikMy point still stands and no matter how significant you claim it to be. Profit is still profit. One account or thousands of accounts. It's still profit. 1 penny or thousands of dollars, it's still profit. Profit that is unrepresented by a product/service for the money. I know you still wont get it but that's ok, I'm sure everyone else does.Quote:
Originally Posted by Analhelm
Resorting to flaming with nothing to back it up makes you look like a moron. Just saying.Quote:
No, actually, it's not. Your lack of understanding of basic math is more obvious.
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09-07-2011, 02:05 AMAlhanelem
I backed it up. Go read. Not that you backed up your claims that I know nothing of investments.
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09-07-2011, 02:09 AMVivikI didn't need to backup that you know nothing of investments. You did it for me, which everyone can now see.Quote:
Originally Posted by Analhelm
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09-07-2011, 02:11 AMAlhanelem
No, I didn't do it for you, which everyone can now see. In fact, I proved you wrong.
I have things to do, so I will now end this back and forth of Yes-uh! Nuh-uh! Yes-uh! Nuh-uh! -
09-07-2011, 02:19 AMKarbuncle
Thou has no hope in defeating The Order of the White Knights.
Edited* -
09-07-2011, 02:20 AMKorpg$2 is nothing. Not even worth investing. You have to look at the whole problem before you can answer the question.Quote:
Originally Posted by Vivik
1 month is nothing. Not even worth investing. Heck, T-Bills do not go below 3 months, and only have a much higher interest rate when sold in the millions, not singles. You can't buy a T-Bill under $1,000. Again, you have to look at the whole problem before you can answer the question.
Being anal about 1 month of letting SE have an extra $2 that you can deduct from your next month bill to pay the full amount (your next month's bill will be $2 cheaper, that is what I am saying) is not worth this agony that people are putting on. -
09-07-2011, 02:33 AMKorpgLets assume the following then:Quote:
Originally Posted by Vivik
Everyone has to buy Crysta now. They only sell it in $5 amounts, but the cost to play this game is $12.95. Everyone has to buy $15 of Crysta to play this game this month. Everyone started out with 0 Crysta. After getting billed, everyone now has $2.05 in Crysta that they "supposedly can't get back from the company when they quit (another issue, lets concentrate on the problem at hand)".
Square Enix receives an extra $2.95 per person this month. You are right, everyone is getting screwed, mayhem ensues. Square Enix desides that you can pay for the exact amount per month for Crysta instead of using $5 increments. Everyone pays $10.90 in Crysta this month and $12.95 in Crysta each month afterwards.
Tell me, how is Square Enix getting a profit from all this? Remember, the present value of $1 for today's interest rate for one month is .99997, so about every $100,000 extra they receive, they get $1 interest. That means, for 1 month only, every 33,334 people they "overbilled" they get $1 extra in supposed interest (they still have to invest the money received to actually get interest, and there is no place in the world that sells interest for 1 month only). Is that really a supposed money making scheme? By their financials, they broke even because they received an extra $2.95 one month but lost $2.95 the next month afterwards, per person. The value of money fluctuates, so, unless the international interest rate exceeds 15% in the next month (it is currently about 6% worldwide average), this is a big risk for no rewards.
I think you are making a mountain out of a molehill here.