SE doesn't want my money

[Darkstride]

I'm not sure what your "personals reasons" are for not wanting to use your debit card, but it's basically the same as cash so it really is your best option. You also stated that you don't see a point in getting a credit card in general. Wouldn't this be a reason if it means that much to you? Use it for your subacription fee only, and pay it off every month.

I see why you are frustrated about thr change, but at the same time you seem to be making it harder on yourself than it needs to be. You do have options, and you do have access to other payment options, you are simply choosing not to use them.

[Radacci]

Alternatively: There are online options available for a digital credit card. Users can charge these digital credit cards through paypal and/or internet banking. I have inquired about electronic credit cards with the support desk before and they have confirmed that this option is valid.

i tried that, and it didn't work.
i had to buy crysta through ultimate,through paypal...by adding money to the PP account, rather than e-card, cause using e-card didn't work with buying crysta (it used to, the first year of playing, like for OP)

Instead of forcing ppl to buy game-time cards....maybe they should get their CC options...to actually work?

[ruskie]

[QUOTE=BillyBones;2503438]-I still have crysta on my acc but can't use it up if I choose to resub via prepaid 60 days card
-I bought a 15€ paysafe card already, which I can't use now[QUOTE]
You should be able to find an alternative place to spend that - if nothing else I believe steam accepts it.

[quote]-I can't upgrade to the digital collectors edition anymore because it won't work with prepaid cards (I planned to do that to get the mounts)
-Credit cards aren't that widely used in Europe as they are in US and I don't see a point getting one. [/qoute]
Agreed on the CCs not used much in EU. Also the whole you're 18+ you should get a CC is just insane. Never will have one.

-I do have a debit card but I don't like using this method out of personal reasons.

I have a debit card myself but it's a non mastercard/visa one. Not to mention it's tied directly to the bank account.

-60 days are too much for me, since I can't know if I'll still be playing in a month or lose interest and want to take a break.

So you would be lossing 30 days at most. It's not that big a deal at the cost but I can understand it.


My suggestion if you wish to continue using payment options. Get a Skrill account(https://www.skrill.com) and get their pre paid mastercard - it costs 10eur/year to have it and you load it up using bank transfer/payment(should work with the SEPA transfers so it's minimal cost and fast to load up). Then you transfer the required money and you can pay with that. Have not found a single instance where it wasn't accepted so far.

[Aegis]

fun fact: not all banks offer debit visa or debit mastercard, even in todays world. the OP probably has a debit card just not one usable as a credit card

I did a little checking on this because this seems weird to me. But apparently you are right. It's a culture thing. In the UK there are 90+Million Debit cards, which is about 50% more than our total population. Well over 99% are Visa Debit, Amex or Mastercard which are accepted more or less universally. There are similar rates in Northern Europe, Ex-British colonies like Australia and New Zealand and Japan. In the rest of Europe its lower and in America lower still (though credit card usage is higher).

In that case, I can only suggest getting an account that comes with a debit card (preferably Visa Debit). Not just for FFXIV but for life in general. It makes life online a whole lot more convenient and safer.

[BobbinT]

Still doesn't change the fact that OP really should have, at this point in his/her life a debit card. I literally have never met someone over the age of 16 without one.

What a small world you lived in...

Not everyone enjoy the luxury of credit card. My principal is pay up front, no loans.

And if you're not smart enough, CC are one form of loans.

[Aegis]

And if you're not smart enough, CC are one form of loans.

Also, Debit cards are not forms of Credit Cards, so they agree with your principal entirely. For online transactions it's the same as directly making a bank transfer. It's cheaper than buying physical time cards because no travel expenses are incurred.


And see my above post. In my country, the number of debit cards in circulation is 50% higher than the actual population. When I say everyone, I mean everyone.

[16bitBounty]

I want to know where all these people without credit cards keep their money. Basically every bank in the US gives out a debit/credit card with your checking account free of charge. Is this not the norm outside the US? Not only this but Banks have all basically agreed to absorb the losses on CC fraud so there is almost no risk at all to using a Credit/Debit card for online purchases.

[Kimikryo]

And if you're not smart enough, CC are one form of loans.

What is with that insulting?

Where I am from, you do not pay interest on credit card bills. Just instead of directly subtracting it from the bank account, it gets subtracted at a set date, all of what you bought with the CC.
So while you "loan" money from the CC company, you pay a fee each quartal to them for offering this service including payment security.

I want to know where all these people without credit cards keep their money. Basically every bank in the US gives out a debit/credit card with your checking account free of charge. Is this not the norm outside the US?

In Europe, at least German speaking europe. It is not free of charge. Granted you get it "cheaper" when your bank has a contract with the CC company. But you still pay a quarterly fee.

Debit Cards, I think I recently saw Prepaid ones at T-Mobile. Not sure if I saw this in Belgium, germany or austria though.

[Aegis]

In Europe, at least German speaking europe. It is not free of charge. Granted you get it "cheaper" when your bank has a contract with the CC company. But you still pay a quarterly fee.

Debit Cards, I think I recently saw Prepaid ones at T-Mobile. Not sure if I saw this in Belgium, germany or austria though.

In the UK, Credit Cards are free, and you can set up your payments so that you always pay the full amount outstanding and never have to pay interest. Bank accounts themselves traditionally were free, but more and more have a monthly cost (£3-10 or so) that is waived if a certain amount goes in per month (£500+ is typical).

My own costs £6 per month, but that's at staff rate and comes with breakdown cover, holiday insurance and mobile phone insurance for free.

[BobbinT]

In my country, the number of debit cards in circulation is 50% higher than the actual population. When I say everyone, I mean everyone.

And thus my 1st statement still stands. Other countries have their own monetary regulations.

What is with that insulting?

Where I am from, you do not pay interest on credit card bills. Just instead of directly subtracting it from the bank account, it gets subtracted at a set date, all of what you bought with the CC.
So while you "loan" money from the CC company, you pay a fee each quartal to them for offering this service including payment security.

err... sweetie, every service you use will require a fee. Even your ATM card also has monthly fee. You should know that if you periodically check your bank statements., or at least ask their customer service.

And err... your got offended, but you last statement kinda clarifies what I said on my last statement, which you quoted. And there are always interests, but it wasn't gonna be that subtle. Need a good financial background to understand that. lol