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Look like SE has learn NOTHING from xi.Follow

#52 Jul 28 2010 at 8:25 AM Rating: Good
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if they don't require VbV I am fine, but if they do, I am screwed.
#53 Jul 28 2010 at 10:07 AM Rating: Good
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That's really weird. I wonder why that is.


Too large to fail so they have no reason to make their service any better.
#54 Jul 28 2010 at 10:11 AM Rating: Default
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windexy wrote:
Quote:

That's really weird. I wonder why that is.


Too large to fail so they have no reason to make their service any better.


I hate those words.

Ugh, I started typing a rant like 5 times and I just... No. Must refrain this time.

EDIT: I can't help myself.

Seriously, I'm getting sick and tired of the government bailing out giant corporations where the people with TLA titles are making more money in a month than 90% of their company makes in a year; where they sit at desks that cost more than my ******* car. Seriously, I'm a registered Republican so it almost feels like sacrilege saying this, but for ****'s sake, there is a such thing as making TOO MUCH MONEY. I've already touched on actors/actresses/musicians but C_Os are next on the chopping block. People who make that much money at the head of a corporation that is hemorrhaging cash like they're on some game show version of the movie Saw just **** me right the **** off. How about you cut some ******* salaries? Yeah, you'll have to sell off two of your six cars maybe. Maybe you'll have to downgrade your 100' yacht to a 75'. You'll ******* live.

I -do- get the concept that if these big banks fail, then it ***** over a lot of people, so it puts the government in a bind, but it's just like the big three bailout... if you want to save money and cut costs, start by cutting salaries at the TOP, not the BOTTOM. If you have people making 1,000,000 a year (round number) and cut their salary to 500,000 a year, they can still live more than comfortably and you've just saved 15-20 people's jobs. You hear about all these massive layoffs at the bottom, while the guy at the top is still sipping mai tais. Like I said, I'm not a Democrat or a Libertarian or anything but I just find this to be utter *********

It also doesn't help that the government practically forced the banks to take on home loans they couldn't handle in order to "stimulate the economy"; you've got people who can't afford a $75,000 home trying to take out loans on $150,000 homes and the government telling the banks that they HAVE to give them a loan they KNOW they can't pay off. You know what, here's a grand idea: if someone can't afford something, DON'T ******* SELL IT TO THEM. That's why our economy is in the ******* right now! Between house loans, car loans, credit cards, people are buying **** they can't afford and when it comes time to pay it off, they're defaulting on everything. "I make $10/hr and they sent three people to my $200,000 house to repossess my 55" Plasma TV!" That's because you can't ******* afford it! Would you keep working at your job if they stopped paying you? **** no, you'd burn the ******* place down. Especially if they take your stapler. Don't touch the stapler. ******* swingline. But seriously, you have something of theirs and you aren't paying them, of course they're going to take it back, perhaps you should have gotten a 32" CRT instead. I don't care that the kids can't watch Spongebob in "the H-Dees".

But where was I... yeah, seriously, I won't say the banks are totally at fault, because it's partially the government who forced them to take on loans they KNEW people couldn't pay and part of it is people taking on loans they KNEW they couldn't pay, but when a whole bunch of people borrow money they can't pay back, how does no one see this doesn't lead to disaster? It's about as much of a great idea as "Why don't we just print more money and give out a million dollars to everyone and then everyone will be rich?" NO! IT DOESN'T WORK LIKE THAT! *******.

I... I have to stop.

Edited, Jul 28th 2010 12:28pm by Mikhalia
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#55 Jul 28 2010 at 10:12 AM Rating: Decent
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This - it's basically about protecting vendors from chargebacks, and generating more revenue for Visa and MasterCard in the form of fees collected from those vendors.


Care to take a guess about how they protect those vendors from charge backs?

By protecting you and making sure it was you that charged it. This way you don't call back with 1) some excuse caused by buyers remorse instead of simply returning it or 2) a charge back claiming that you never made the purchase.

#56 Jul 28 2010 at 10:14 AM Rating: Good
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I hate those words.


Amen, brother! Unfortunately, there are a handful of companies that should no longer be in business but still are.
#57 Jul 28 2010 at 10:23 AM Rating: Excellent
Olorinus wrote:
if they don't require VbV I am fine, but if they do, I am screwed.


My post seems to have gone unnoticed Smiley: bah


If your bank/card does not support VBV, you can still register it to an account. You just need to call Square Enix so they can authorize the card themselves.

At least, that's what they did for FFXI. I'm sure XIV will be the same.
#58 Jul 28 2010 at 10:24 AM Rating: Default
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To the people that say it will cost them customers, actually no. It will save them money with the hundreds of disputed charges and fraudulent use of cards that is pretty rampart on the internet. That money alone probably pays for the few customers that are not able to get a real card.

Honestly, i have no idea what the fuzz is about. I never asked my Bank about any of these "security features" on my credit card. They asked me if i wanted a card 20 years ago. I choose the cheapest options matching my spending habits and since then i never had a problem anywhere in the world or online. I have a Mastercard btw. The card has been re-issued 2 times now and will be up for another re-issue end of this year. No problems in all the years i played FFXI. I have no idea what the people that whine call a credit card but it sure is not a real one or they would not have any problems.


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#59 Jul 28 2010 at 10:25 AM Rating: Decent
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Osarion, Goblin in Disguise wrote:
Olorinus wrote:
if they don't require VbV I am fine, but if they do, I am screwed.


My post seems to have gone unnoticed Smiley: bah


If your bank/card does not support VBV, you can still register it to an account. You just need to call Square Enix so they can authorize the card themselves.

At least, that's what they did for FFXI. I'm sure XIV will be the same.



Lost distance phone calls suck. Especially if it starts off as an automated system.

I live in Thailand.
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#60 Jul 28 2010 at 10:29 AM Rating: Good
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Threx wrote:
Osarion, Goblin in Disguise wrote:
Olorinus wrote:
if they don't require VbV I am fine, but if they do, I am screwed.


My post seems to have gone unnoticed Smiley: bah


If your bank/card does not support VBV, you can still register it to an account. You just need to call Square Enix so they can authorize the card themselves.

At least, that's what they did for FFXI. I'm sure XIV will be the same.



Lost distance phone calls suck. Especially if it starts off as an automated system.

I live in Thailand.


Do you have VoIP service? If not, that sucks >.<
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#61 Jul 28 2010 at 10:54 AM Rating: Good
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Ok I'll admit that a more secure card is safer all the way around. That being said, the reasons as to why S-E is forcing this restriction on people isn't as genuine. Anyone who has played FFXI in recent years can tell you that S-E epically fails at protecting accounts. If you found yourself hacked by a RMT, good luck. The ironic thing is I don't recall too many cases if any where the cc info was stolen and abused only the account data was used. So seriously, why is this required at all for FFXIV? I know, I know it's better security in general. That's not the issue, the issue is S-E needs to learn how to protect accounts instead of pushing off that responsibility to the player. I don't have any issues with my CC myself, but I'm realistic enough to understand a lot of people are affected by this. The various cases where individuals call the bank and go "WTF is that?" is enough to say let's rethink this. I mean jeez, Bank of America not knowing is really really sad.

The bottom line is S-E is lazy and forcing a security measure on people instead of protecting us themselves. No hacked account in FFXI is stealing money, only the account itself. So seriously, why is this security feature in use except for the laziness on S-E part to protect our accounts. Stealing a CC number and using it is a worldwide crime. All we got was a bunch of RMT's that steal accounts totally ignoring the CC info. /shakes head at S-E stupidity.
#62 Jul 28 2010 at 11:07 AM Rating: Decent
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Mikhalia wrote:
Do you have VoIP service? If not, that sucks >.<



That does indeed suck.

Because I don't have it.

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#63 Jul 28 2010 at 11:09 AM Rating: Good
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Threx wrote:
Mikhalia wrote:
Do you have VoIP service? If not, that sucks >.<



That does indeed suck.

Because I don't have it.

-_-


****.
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#64 Jul 28 2010 at 11:38 AM Rating: Good
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insanekangaroo wrote:
Everyone I know has a credit/VISA card (except for children). I don't see the problem.

Is it common for people in the US & A not to have cards? Do you expect to be able to pay with pennys tru the floppy-drive?

Edited, Jul 26th 2010 10:36pm by insanekangaroo


How many times do I have to tell you? Pennies go in the tape drive -- cheese goes in the floppy drive.

As for the payment methods, I would hope that they go (in addition to credit/debit) with a pre-paid card approach, like one would find for XBL or PSN. IIRC, FFXI was open to gamers 13 and older but only accepted credit/debit payments, which struck me as odd. This way, the payment system could accommodate players that were old enough to apply to the ToS but too young to apply for a credit card.

EDIT: I don't know if times have changed since I last tried it, but I remember not being able to use those pre-paid AmEx cards with FFXI. I don't know if it was because the card had a set dollar amount on it, if it was a problem with SE, or if it was a problem with AmEx (though I kind of remember the card's ToS stating that it wouldn't work with online games).

Edited, Jul 28th 2010 1:47pm by PLDXavier
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#65 Jul 28 2010 at 12:01 PM Rating: Good
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Mikhalia wrote:
Threx wrote:
Mikhalia wrote:
Do you have VoIP service? If not, that sucks >.<



That does indeed suck.

Because I don't have it.

-_-


****.


Skype?
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#66 Jul 28 2010 at 2:30 PM Rating: Default
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As for the payment methods, I would hope that they go (in addition to credit/debit) with a pre-paid card approach, like one would find for XBL or PSN. IIRC, FFXI was open to gamers 13 and older but only accepted credit/debit payments, which struck me as odd. This way, the payment system could accommodate players that were old enough to apply to the ToS but too young to apply for a credit card.


The idea sounds to me like if you're 13-18 you need mom & dad's credit card (i.e., their "permission") to play. Good idea in theory. In practice, a lot of my friends when I was that age had access to mom & dad's credit card without their knowledge.

Also, just throwing this out there, seems like people could get around bans or things like that easier with game cards, since they don't really have personal information attached. Also it makes account theft more traceable. Maybe these concerns are why they only allow credit cards?
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#67 Jul 28 2010 at 3:31 PM Rating: Excellent
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KindjalFerrer wrote:
To the people that say it will cost them customers, actually no. It will save them money with the hundreds of disputed charges and fraudulent use of cards that is pretty rampart on the internet. That money alone probably pays for the few customers that are not able to get a real card.

Honestly, i have no idea what the fuzz is about. I never asked my Bank about any of these "security features" on my credit card. They asked me if i wanted a card 20 years ago. I choose the cheapest options matching my spending habits and since then i never had a problem anywhere in the world or online. I have a Mastercard btw. The card has been re-issued 2 times now and will be up for another re-issue end of this year. No problems in all the years i played FFXI. I have no idea what the people that whine call a credit card but it sure is not a real one or they would not have any problems.


So just because the one card you have has never had a problem, no problem exists? Nice argument. I have three different cards. Only ONE works like it's supposed to with 3D Secure. Two of them happen to be issued by the same exact bank, one works and the other doesn't.
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#68 Jul 28 2010 at 3:38 PM Rating: Default
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bsphil wrote:
If you're too young to have a credit/debit card and your parents aren't willing to foot the bill on your behalf, I'm glad you aren't playing.


^ This.
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#69 Jul 28 2010 at 5:08 PM Rating: Decent
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Osarion, Goblin in Disguise wrote:

If your bank/card does not support VBV, you can still register it to an account. You just need to call Square Enix so they can authorize the card themselves.

At least, that's what they did for FFXI. I'm sure XIV will be the same.


Yeah, unfortunately I don't have a regular credit card (for a lot of reasons) - if it is not VbV I can get a prepaid card but I doubt that would help if I called SE... I hope I am wrong. Right now I am planning to get my sweetie put it on her card but I don't know if it is VbV and while she doesn't mind charging it to her card ... if it was a big hairy pain in the **** deal she might not want to go through the hassle.

I would be really happy if they did the prepaid cards you can buy at the 7-11. That would be sweet.
#70 Jul 28 2010 at 8:02 PM Rating: Default
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whats the "lot of reasons" u dont have credit card, cause my dumb *** has had a credit/debit card from my tiny bank for 12 years now, and i got it automatically. I never have even signed up for a credit card in my life.
#72 Jul 29 2010 at 6:37 AM Rating: Good
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lol, I was banned by GreenDot for buying multiple cards and never paying the "monthly fee" (I would just buy one card, load it with enough for a month or two of FFXI, then get a new one), I have no credit to speak of so I can't get a credit card, and I owe like $100 in BS overcharge fees on my bank debit card which I can't afford to pay off. XD


Yeah, it totally sounds like you need to be spending 15$ a month to play a game...
#73 Jul 29 2010 at 4:19 PM Rating: Excellent
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HIGHTONE wrote:
whats the "lot of reasons" u dont have credit card, cause my dumb *** has had a credit/debit card from my tiny bank for 12 years now, and i got it automatically. I never have even signed up for a credit card in my life.


Well, it isn't really any of your business...

That said, the number one reason is because I don't want to have one. Period.

I pay with cash, not credit. Yes, I could just pay off my balance every month but a lot of the cards charge a fee (I don't need another fee) and I don't really actually want to have another bill to remember.
I pay my bills using online banking - no general need for a credit card.

It is actually rather silly for SE to restrict who can GIVE THEM MONEY. But, whatever. That's their choice.

And I don't know if you live in that country that darn near bankrupted the world with a credit crisis just last year - but maybe we would be better off if people were not just being handed credit cards willy nilly.
#74 Jul 29 2010 at 5:27 PM Rating: Good
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Olorinus wrote:
HIGHTONE wrote:
whats the "lot of reasons" u dont have credit card, cause my dumb *** has had a credit/debit card from my tiny bank for 12 years now, and i got it automatically. I never have even signed up for a credit card in my life.


Well, it isn't really any of your business...

That said, the number one reason is because I don't want to have one. Period.

I pay with cash, not credit. Yes, I could just pay off my balance every month but a lot of the cards charge a fee (I don't need another fee) and I don't really actually want to have another bill to remember.
I pay my bills using online banking - no general need for a credit card.

It is actually rather silly for SE to restrict who can GIVE THEM MONEY. But, whatever. That's their choice.

And I don't know if you live in that country that darn near bankrupted the world with a credit crisis just last year - but maybe we would be better off if people were not just being handed credit cards willy nilly.


I'm in agreement with this. I have a regular credit card that has no annual fee and I have used it twice. I have a Best Buy card that I only ever used once since it was one year same as cash or something like that; paid it off in 2 months.

Other than that, I prefer to use my bank card for everything. I don't like spending money I don't have. Like Olorinus said, if more people didn't rely on credit cards to spend money that they don't have, our economy wouldn't be down the *******.

Ever see those commercials, "Are you 5,000, 10,000, 25,000, or even 50,000 dollars in credit card debt? Call us and we'll help..." Seriously, how the **** do you get FIFTY THOUSAND DOLLARS in CREDIT CARD DEBT? Didn't it occur to you around the 4000-5000 mark that MAYBE you should STOP BUYING **** YOU CAN'T AFFORD?

But I digress... Nearly all banks give bank cards that can be processed as a credit card, even though it still takes it out of your bank account. Just make sure they have a Visa/MC logo.

Now whether or not XIV will require SC/VBV is up in the air.
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#75 Jul 29 2010 at 5:33 PM Rating: Good
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One would hope that the "protections" put into place by the major credit companies would have gotten enough bad press and complaints to be avoided as requirements for payment methods. I vote we wait and see what the full **** will be.

Edited, Jul 29th 2010 7:36pm by LemmingKingXXX
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#76 Jul 30 2010 at 8:05 AM Rating: Decent
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Quote:

It is actually rather silly for SE to restrict who can GIVE THEM MONEY. But, whatever. That's their choice.


I respect your view but it's actually you who are restricting yourself.

The majority of the world has realized a need for a method of easily transferring funds from one entity to another quickly, easily, securely, and without the need to keep track of little bits of paper. These are debit/credit cards and work as described.

Quote:
but a lot of the cards charge a fee (I don't need


This is equivalent to saying I like **** but there are some sites that charge money so I won't deal with the free sites either. (And in actuality since you're using the term credit where debit could also be used its more like saying, I like **** but zam charges for their site so I'm just not going to have anything to do with free **** either.)

Quote:
I pay with cash, not credit.

Here's where I start to take issue with all your statements. I would say based on this statement you really don't fully even know what your talking about.

It seems as if you understand what credit it but are using that term where it doesn't need to be. Just because it is a plastic card does not mean it is a 'credit' card. There are also 'debit' cards, which is essentially an electronic version of paper money.

Quote:

And I don't know if you live in that country that darn near bankrupted the world with a credit crisis just last year - but maybe we would be better off if people were not just being handed credit cards willy nilly.


Absolutely irrelevant, these people would be broke and penniless anyway because they are idiots. Basically, you're the old man in the room ******** about the new fangled whatcha majiggy without actually speaking in any accurate terms and getting multiple concepts mixed together.

Like I said I can respect your views on credit cards and not wanting to use them but much of your post has nothing to do with FFXI and the billing system and a lot to do with not understanding how technology has progressed in our banking industry and the proper way to utilize it.

Edited, Jul 30th 2010 9:09am by windexy
#78 Jul 30 2010 at 11:55 AM Rating: Good
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Seriously, I'm getting sick and tired of the government bailing out giant corporations


Sounds like status quo to me. Rich people who spend money to put other rich people into power to insure that all the rich people stay rich.
#79 Jul 30 2010 at 12:57 PM Rating: Decent
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Olorinus wrote:
HIGHTONE wrote:
whats the "lot of reasons" u dont have credit card, cause my dumb *** has had a credit/debit card from my tiny bank for 12 years now, and i got it automatically. I never have even signed up for a credit card in my life.


Well, it isn't really any of your business...

That said, the number one reason is because I don't want to have one. Period.

I pay with cash, not credit. Yes, I could just pay off my balance every month but a lot of the cards charge a fee (I don't need another fee) and I don't really actually want to have another bill to remember.
I pay my bills using online banking - no general need for a credit card.

It is actually rather silly for SE to restrict who can GIVE THEM MONEY. But, whatever. That's their choice.

And I don't know if you live in that country that darn near bankrupted the world with a credit crisis just last year - but maybe we would be better off if people were not just being handed credit cards willy nilly.


Ok, props on the whole not wanted to rack up some credit dept but if that's your point why not just get a debt card??? It's the same as cash and none of the fees from a credit card.
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#80 Jul 30 2010 at 1:15 PM Rating: Good
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RSquires wrote:
Ok, props on the whole not wanted to rack up some credit dept but if that's your point why not just get a debt card??? It's the same as cash and none of the fees from a credit card.


Debit. Or was the typo intentional?
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#81 Jul 30 2010 at 2:03 PM Rating: Decent
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well, I have looked into getting a debit card that acts like a credit card but my bank doesn't offer them... so it becomes an issue of switching banks or dealing with two banks... which is yuck. Believe me, I'm looking at options. For the moment, however, my sweetie has agreed to put it on her credit card - which really seems a lot more simple for now.

Edited, Jul 30th 2010 1:03pm by Olorinus
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