Unable to use Visa debit (north American)

[ShariusTC]

Mao curious. Why nots want credit card? Is good way to build up credit score and nots has to use if nots want to.

you can say i am kind of paranoid boomer when there are alot of scam include credit card just floating around on internet for decade

[Minali]

Mao curious. Why nots want credit card? Is good way to build up credit score and nots has to use if nots want to.

I'm not ShariusTC, but I also don't have nor want one, so maybe my answer helps as well. In many countries it's just not a big thing, like in Germany. Debit or a third local thing is standard in many countries over here and usually does everything you need to do with money, aside from a few exceptions such as the current situation with this sub apparently. You can pay with it in stores, you can get cash from the ATM, many online shops accept them or book stuff from the bank account directly and so on. And on FFXIV debit *should* work, it's just bugged. It looks to me like USA and a few other countries are the ones super fixated on credit cards and many people living there just assume it's the same everywhere else in the world. Personally I don't see the point in spending money I might not have in two weeks or so - and if I have it, I might as well spend it now. Getting one sometimes costs extra fees and depending on the bank and country it is not even available for everyone. It's also much easier to lose track of minor purchases when they don't appear on your list of expenses right away. Never really thought about credit score, I suppose this is one good point but imo it's also not super common to ask the bank for a credit over here, unless you are trying to open a company or buy a house or rare occasions like these, I guess..? (Though landlords in the cities started to ask for it when someone applies for renting a new appartment, just to be on the safe side, I suppose it would help there.)
Credit cards also seem to be the number one target for scammers, so using them feels extra risky.

[Reinha]

Mao curious. Why nots want credit card? Is good way to build up credit score and nots has to use if nots want to.

A numeric credit score one has to build up isn't a thing in my country. A credit card may have extra costs associated with it depending on the bank and they are often not given to people who don't have a steady source of income. When I last asked my bank about getting one I was a student and my husband was working part time so the response was a plain "no". Which is not a big deal as I have never had trouble affording things with direct payments, but some online payment systems seem to work under the assumption everyone can just use a credit card.

[Eraden]

Mao understands now. Mao lives in Canada so Mao nots know that other regions do things differently. For Mao, to has credit rating meant that over the years Mao was ables to get loans for car and house. Mao now knows from what peoples say here that things differents elsewhere. Mao thanks everyone whats respond to Mao question.

[Taliriah]

Mao understands now. Mao lives in Canada so Mao nots know that other regions do things differently. For Mao, to has credit rating meant that over the years Mao was ables to get loans for car and house. Mao now knows from what peoples say here that things differents elsewhere. Mao thanks everyone whats respond to Mao question.

I must say that this gimmick is some powerful trolling

[Canadane]

I'm also Canadian (big surprise, right?) and Mao is right.
It also works similarly in America which due to circumstances I live in now.

But SE can't change my address to US, we can only edit street addresses, I am likely going to be denied using my credit card. Even buying Crysta via my credit card will probably have some issues, though I'm holding out that maybe all this negative press will make them change something.

[CNitsah]

I wish they would at least suspend housing auto demolition until the visa debit thing they acknoledged is fixed. It's not normal for a company that big to ask you to use a third party account to pay your subscription.

[Eraden]

I'm also Canadian (big surprise, right?) and Mao is right.
It also works similarly in America which due to circumstances I live in now.

But SE can't change my address to US, we can only edit street addresses, I am likely going to be denied using my credit card. Even buying Crysta via my credit card will probably have some issues, though I'm holding out that maybe all this negative press will make them change something.

That AWFULS! Mao hopings SE fixes problem FAST! This WAY too importants! What if someone loses house in game because of delay?

[Canadane]

That AWFULS! Mao hopings SE fixes problem FAST! This WAY too importants! What if someone loses house in game because of delay?

A friend of mine was in a similar situation and was very close to losing their house just two days ago.
Their solution, for now, was to buy the Xbox version of the game with a friends Xbox because they could use the FFXIV coins as they can be used for game time.
It's... not a great solution! Luckily my billing period isn't until mid-July so I have 2ish months before I find out how bad it'll be for me.

[Boblawblah]

I must say that this gimmick is some powerful trolling

Mao isn't trolling. Mao is Mao.

I'm also Canadian (big surprise, right?) and Mao is right.
It also works similarly in America which due to circumstances I live in now.

But SE can't change my address to US, we can only edit street addresses, I am likely going to be denied using my credit card. Even buying Crysta via my credit card will probably have some issues, though I'm holding out that maybe all this negative press will make them change something.

It's insane to me that in 2024, SE is expecting everyone to live forever in the country they originally created their SE account with. Like, you have to wonder if anyone stopped to think that through.