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Asafum ,

“Since I got my first credit card, I used it for all my purchases but paid it in full each month, building a good score — or so I thought. When I went for a car loan, I was denied because I was a ‘thin file,’ meaning I never paid any interest.”

My friend just got denied a mortgage because of this bullshit. Like what the actual fuck!? You’re a responsible borrower but you committed the ultimate sin of NOT PAYING THEM INTEREST!

… Like what the fuck?

return2ozma OP ,
@return2ozma@lemmy.world avatar

Yes, it’s a real thing. When I worked at a major bank the customers that would pay in full monthly on their cards were considered the “bad” customers. Those that paid only minimum and got hit with late fees were our “good” customers.

Omgpwnies ,

From their perspective, they make nothing off of people who don’t pay interest or fees. Thus, it only makes sense that the “best” customers are the ones carrying a balance, because they’re the ones who generate profits.

surewhynotlem ,

They still make a percentage of each transaction. But it sure isn’t 18% interest

criticon ,

This is weird. They probably only have 1 cc with a very low credit limit that doesn’t let create a good picture of how they are managing debt

I’ve never paid interest but I have 7 credit cards and about $50k in credit. I was able to get 2 loans for cars and I’ve been offered good mortgage rates

kibiz0r ,

I was curious about the adoption thing and didn’t wanna just weigh in on vibes, so I took 5 seconds to search it and yall…

Some of this is bleak.

time.com/6051811/private-adoption-america/

Anne Moody, author of the 2018 book The Children Money Can Buy, about foster care and adoption, says the system can amount to “basically producing babies for money.”

Claudia Corrigan D’Arcy, a birth-parent advocate and birth mother who blogs extensively about adoption, says she routinely hears of women facing expense-repayment pressures. Some states, such as California and Nevada, explicitly consider birth-parent expenses an “act of charity” that birth parents don’t have to pay back. In other states, though, nothing prohibits adoption entities from trying to obligate birth parents to repay expenses when a match fails.

Alexstarfire ,

I’m not super familiar with adoption but I’m pretty sure there’s no buying/selling going on. There are costs with adopting a child but those are costs for the process, not the child itself.

And the credit rating one I can certainly get behind but some of it sounds like BS. I’ve never paid interest on credit cards and my rating was good enough to get the best possible rate when I purchased my home. There was quite a significant time between the start of my credit history and the purchasing of my home. At least 15 years. My credit rating hasn’t changed significantly in years though.

Bongles ,

And the credit rating one I can certainly get behind but some of it sounds like BS

It is. There’s no change to your credit rating or report over whether or not you paid interest. It’s not even a reported statistic. At best, you could argue that if they see the credit utilization is low and your payments are always on time that you probably don’t pay a lot of interest, but that is a typical indication of good credit.

It’s more likely that they had one credit card and not that long of a credit history with it.

Speculater ,
@Speculater@lemmy.world avatar

One credit card. Low credit limit. No loans ever. All the lender sees is a responsible poor person.

AbsoluteChicagoDog ,

Good thing your personal experience is the exact same as everyone else’s right?

14th_cylon ,

6.“Dental work is astronomical, even with insurance. Yeah, cleanings are free, but if you ever need anything more than a filling, it’s just not something that can be budgeted for. Due to having a now-overcome addiction, my husband needs pretty much all of his teeth removed and replaced, but we barely live paycheck-to-paycheck as it is. I hate that he has to live like this and that people see him with missing teeth. He did the hard work quitting his addiction, but his confidence is basically nonexistent now.”

wow, what a dystopia.

i live in a country with quality and affordable medical care and something like that would not be free as well here.

good on him for overcoming his addiction, but this is consequence of his own action, not a dystopia.

petrol_sniff_king ,

Yes, not having teeth is the Lord’s punishment, yes.
Not free, not free!
Not been addicted, he should have been, yess.

Depress_Mode ,

You went out of your way just to tell everyone that you think former drug addicts aren’t deserving of medical care? Not even people who currently do drugs (who are also all 100% deserving of medical treatment btw), anyone who used to do drugs is disqualified, too? It’s an absolutely insane take to say “they used to do drugs, so they don’t deserve to have teeth.” And what of all those people who didn’t do drugs, but still need and can’t afford dentures or implants? If you can’t afford reliable access to dental care from the start, you’ll likely be stuck with preventable problems down the line that then become even more expensive to fix. The situations of these people aren’t different from former addicts in any meaningful way; they need dental work, but can’t afford it. You’re ignoring the core issue that important and completely necessary dental work (and medical treatment of all kinds) is too expensive for almost everyone, not just current or former addicts. As a result, many are forced to go without that treatment. That’s a bad thing. You saw someone complaining that dental work is unaffordable, and all you could think to say was “Yeah, but they’re druggies, so there’s no problem here.” You’ve justified a terrible system to yourself because you view the people who were quoted as being beneath you. What’s truly dystopian is both that medical care would be out of reach of so many, but also that people would be ok with that as long as it means the “undesirables” don’t get to have any. The societal disdain for marginalized human life and the moral superiority complex that fuels it are both absolutely appalling.

Olgratin_Magmatoe ,

but this is consequence of his own action

Yeah, because people choose to do drugs just because, and such choices absolutely exist within a vacuum /s

psychiatrictimes.com/…/what-does-rat-park-teach-u…

jballs ,
@jballs@sh.itjust.works avatar

13."The working class being gaslit by the 1% to blame the rest of the working class for all of their problems. The amount of people I see thinking their tax dollars are paying for student loan forgiveness, social security, WIC, Medicaid, or welfare is just so ridiculous. You can literally look up exactly where your tax dollars are going. It’s not ‘fake news;’ it’s readily available.

This one drives so many of the other problems. I constantly hear (mostly from my conservative neighbors) about how we shouldn’t be spending so much of our tax dollars on various programs. One of my neighbors was recently complaining about paying for school bus drivers.

Here’s a chart showing where your taxes go.

https://www.cbpp.org/sites/default/files/styles/report_386_high_dpi/public/2024-07/4-14-08tax_rev7-18-24_f1.png

Kecessa ,

Wanna know what’s the most ridiculous about it? That chunk going towards healthcare is for a minority of the population. The US ends up paying more per capita than any other country to cover a minority!

awwwyissss ,

AmericaBAD, OK?!?

invertedspear ,

Not getting paid maternity/paternity leave unless you work in very specific sectors of the federal government.

Why does this complaint prevail? I get that not all companies offer parental leave, and it’s not government supported like if some other countries, but I have had full-time employment since 2000 and every company I’ve been at offered several (4-12) weeks of maternity leave and at least a week of paternity. Since 2018 or so every company has also started offering more, 2-4 weeks, paternity. And I live in a state that kind of sucks when it comes to worker’s rights.

Either my experience is rather rare, or this complaint is overblown, or people mean something different when they talk about parental leave such as a government sponsored program. Or is there something else I’m not considering?

Dasus ,
@Dasus@lemmy.world avatar

“I haven’t been on minimum wage for a quarter of a century, so I really don’t understand why people are making such a fuss about it.”

US ranked among worst countries to raise a family, study says

invertedspear ,

Pay rate and parental leave are very different things though. I didn’t say I hadn’t been on minimum wage, I said I’ve been in full time employment. A significant portion of that time was at it barely above minimum wage of the time and lower than my states minimum wage is today. I’m asking about parental leave, not wages.

Dasus ,
@Dasus@lemmy.world avatar

Pay rate and parental leave are very different things though

In this context, no, they’re both labour protection laws. Do you know why minimum wage exists? Because without it, most bosses would pay even less.

Perhaps you’ve been lucky and been in jobs in which you’ve gotten above the minimum. Which should be expected after working for more than two decades. Why would you think that matters? Do you not think that every mother (and actually parent in general) should have the right to have paid leave for months? So that only the rich with free time get to procreate and anyone working a menial job literally can’t if they want to make rent ?

I hope you realise that most companies do the bare legally required minimum and a lot don’t even do that, breaking the (already weak) labour laws the US has, and usually without consequence.

invertedspear ,

So in this context what’s really being said is not that there is no parental leave, but that there is no workers protection of parental leave. Thinking of it this way helps. I wish this was more explicitly stated as I tend to be too literal about things.

Dasus ,
@Dasus@lemmy.world avatar

No, it’s pretty explicit.

Just like you’d say “there’s no minimum wage” in a country with no minimum wage, even if a large portion are getting around min wage pay.

The US and some island micronations (with no offense to them not the most highly developed countries) are the only ones who don’t ensure parental leave.

Are you genuinely pretending you don’t understand that there are thousands of people in the US who’d have kids right now if they weren’t afraid of becoming homeless if they have to take time off work / quit, since there’s no required pay?

You’re genuinely ignoring the issue. Saying it’s not a problem. Because it’s not a problem for you. This is what causes the problems in the world. Lack of empathy.

uberdroog ,
@uberdroog@lemmy.world avatar

You also have to burn your sick/vacation days for it too most of the time if you plan on getting paid. So, if you require time off to care for your newborn afterward, good luck. We won’t even get started on how much child care costs once your CEO decides WFH is not viable. Bottom line, we dint care about you and your baby.

invertedspear ,

This is just my experience at maybe ten companies, but it was always paid, not using PTO. It was only if you wanted to use more than the allotted time you’d need to start using PTO. Childcare is a whole different level of insane expense that really should be subsidized. When I was too young to consider children, I worked at a call center that had an on site preschool, but that phased out pretty shortly after I started as a cost cutting measure. Nothing has gotten anything but more difficult when it comes to raising kids.

motor_spirit ,

deleted_by_author

    •
    invertedspear ,

    Thanks for helping me try to understand with such an insightful response.

    motor_spirit ,

    You’re not wrong dude my bad, I deleted that bullshit. I was cunty because I’m having a shit day.

    invertedspear ,

    I appreciate your self reflection and hope your day improves.

    Pandemanium ,

    Retail and restaurants are unlikely to give you 4-12 weeks of even unpaid time off. No way would they pay anyone for that much time off unless they were forced to. Not saying this to defend them, but restaurant margins can’t absorb that kind of cost unless it’s a large non-franchised chain.

    invertedspear ,

    What do you think about the system in Mexico? I’m not an expert, just saw in some paperwork that everyone pays a maternity tax, like social security, which makes it seem that maternity leave is a government program. We’d need to get our shit together as a country first as the GOP crowd would immediately want it defunded, but it seems like a better use of tax dollars than weapons of war.

    aaaaace ,

    Right wing nut Barry Goldwater warned about this 60 years ago.

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