Democratic Underground Latest Greatest Lobby Journals Search Options Help Login
Google

Now I know what it must be like to be "profiled", whether racial or not.

Printer-friendly format Printer-friendly format
Printer-friendly format Email this thread to a friend
Printer-friendly format Bookmark this thread
This topic is archived.
Home » Discuss » General Discussion Donate to DU
 
Dover Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 12:49 AM
Original message
Now I know what it must be like to be "profiled", whether racial or not.
Edited on Wed May-25-11 12:57 AM by Dover
It seems that the trend in this country is that one is guilty until proven innocent.
I've heard that a lot lately on the news as many in Europe respond to the 'public hanging'
of France's Strauss-Kahn prior to being condemned by law. We know they're right in that assessment. It happens all the time in this country - accusations fly like chum thrown in the ocean for a feeding frenzy. Of course we're not the only country with an appetite for being quick on the draw (ask questions later), but in my travels abroad I have only gotten a taste of that treatment once in Italy when I mistakenly wandered off the tourist path and decided to try some truly local cuisine. The restaurant, its owner and patrons turned out to be American-hating Marxists and they had their own shark attack with me as the chum. It left a big emotional scar on me that took a long time to heal. So what is OUR excuse here in the good ole USA? I suppose many
who have experienced ethnic profiling know what that's like all too well.
And isn't that just a continuation of racial or other prejudices that have been been part of the dark underbelly we try so hard to hide or ignore until it erupts in a civil rights, gay rights, women's suffrage, or class struggle movements? Has it really changed? Do we just require an underdog so we can feel better about ourselves?

But today I found myself experiencing some of the same feelings I did all those years ago back in Italy with what is becoming a new type of profiling...by corporations. I was in an Apple computer store picking out a new computer. The sales people were just great as usual and spent a full hour with me helping me decide on what to get, looking into all the options. But come time to check out with my new computer I realized I didn't have my debit card with me (I've long since stopped using credit cards). But I did have my checkbook and so I wrote a check. It was declined. Huh?
I knew with certainty how much was in my account and it was more than enough, but I called my bank as I stood there in line to find out what the problem was. They couldn't find a problem and didn't know why my check was rejected. They said the problem was not on their end and that perhaps Apple used a security company that had found fault with my check for some unknown reason. So I had the clerk call this company to find out why they had declined me and according to their criteria I was "a risk". What criteria was that I asked? They basically said that my purchase was a large item and that my check history showed that I normally wrote smaller checks. I told them I had just spoken with my bank who confirmed I could easily cover the purchase. And that if they knew my check writing history then they probably knew that in fact I HAD written a much larger than normal check for something else just a couple of weeks ago. Yes, they said, but that was not written to one of their venders, and because they were not affiliated or connected to any of the banks they couldn't verify that I had money in my account. WHAT? How could they even make a decision like this without knowing whether or not I could pay by contacting the bank?
They repeated that they had their own criteria which did NOT include contact with the person's bank.
So essentially, I said, I have not done anything criminal, nor am I on any list of persons who writes bad checks, but I am PRESUMED a risk to this store based on their own little formula that has nothing to do with the reality of who I am and what is in my bank account?!
A relatively small incident (not on par with GITMO type incident), but the implications when seen within the context and scale of the big picture gives me chills.

Well, needless to say Apple lost a big sale that day and a fan. If they are content to use that kind of "profiling" security company then I'm not playing. This does seem to be the way things are trending in this country, with a million little cuts. And all so we can have better "SECURITY"?
If one was even to believe that this is somehow meant to be in our best interest, it's far too high a price to pay. But in truth I think with each step in this direction we become more and more a fascist entity. Even as we applaud the rebellions around the globe of those seeking to free themselves from that kind of abuse of power, we continue to establish more and more big brother
environment at home.

When I heard Obama's recent speech about the tyranny endured in the Middle East that led to the rebellions, I couldn't help but wonder if this description has not begun to look an awful lot like
the "new normal" we now call America and if we may find ourselves in a similar battle, this time with the true powers that be...corporate rule -


From his speech:

On Dec. 17 a young vendor named Mohammed Bouazizi was devastated when a police officer confiscated his cart. This was not unique. It is the same kind of humiliation that takes place every day in many parts of the world -- the relentless tyranny of governments that deny their citizens dignity. Only this time, something different happened. After local officials refused to hear his complaint, this young man who had never been particularly active in politics went to the headquarters of the provincial government, doused himself in fuel and lit himself on fire.

Sometimes, in the course of history, the actions of ordinary citizens spark movements for change because they speak to a longing for freedom that has built up for years. In America, think of the defiance of those patriots in Boston who refused to pay taxes to a king, or the dignity of Rosa Parks as she sat courageously in her seat. So it was in Tunisia, as that vendor's act of desperation tapped into the frustration felt throughout the country. Hundreds of protesters took to the streets, then thousands. And in the face of batons and sometimes bullets, they refused to go home -- day after day, week after week, until a dictator of more than two decades finally left power.

The story of this revolution, and the ones that followed, should not have come as a surprise. The nations of the Middle East and North Africa won their independence long ago, but in too many places their people did not. In too many countries, power has been concentrated in the hands of the few. In too many countries, a citizen like that young vendor had nowhere to turn -- no honest judiciary to hear his case; no independent media to give him voice; no credible political party to represent his views; no free and fair election where he could choose his leader.

This lack of self-determination -- the chance to make of your life what you will -- has applied to the region's economy as well. Yes, some nations are blessed with wealth in oil and gas, and that has led to pockets of prosperity. But in a global economy based on knowledge and innovation, no development strategy can be based solely upon what comes out of the ground. Nor can people reach their potential when you cannot start a business without paying a bribe.

In the face of these challenges, too many leaders in the region tried to direct their people's grievances elsewhere. The West was blamed as the source of all ills, a half century after the end of colonialism. Antagonism toward Israel became the only acceptable outlet for political expression. Divisions of tribe, ethnicity and religious sect were manipulated as a means of holding on to power or taking it away from somebody else.

But the events of the past six months show us that strategies of repression and diversion won't work anymore. Satellite television and the Internet provide a window into the wider world -- a world of astonishing progress in places like India, Indonesia and Brazil. Cellphones and social networks allow young people to connect and organize like never before. A new generation has emerged. And their voices tell us that change cannot be denied.




Printer Friendly | Permalink |  | Top
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 12:57 AM
Response to Original message
1. Wait. I don't understand the part about being attacked by a shark in an Italian restaurant.
Was that metaphorical?

...Anyway, seems like you have worked out your own conclusion, here: i.e., they've lost your business. Still, such is life. A lot of retail establishments simply don't take ANY checks, at all, ever. It's simply too risky to let someone hand over a piece of paper they say is worth whatever-it-is. Fact of the matter is, there are a lot of rip off artists out there. It's not personal, it's not about YOU, but someone at the store's management level or higher has decided the risk of losing the business of check-writers ('risky' ones or all of them) is worth the made up revenue losses they won't be incurring with bounced or bad checks.

The value of a credit card to a retail establishment isn't that it means YOU are a great guy with a Visa, it means that YOU can be the biggest fuckknuckle in the world, once that approval goes through, the credit card company is on the hook for the money, not them. They don't have to hassle with banks, collection agencies, calling the bogus phone # someone wrote on the check, etc. etc.

This is reality, and if you're not going to carry a credit card or a reasonable alternative, maybe you should use paypal or some such other means to buy stuff online. Because this is just the way things are.
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:04 AM
Response to Reply #1
3. -1 for "this is just the way things are."
Edited on Wed May-25-11 01:10 AM by Hannah Bell
it is the point of the op that this indeed is the way things are & he doesn't like it.

not only because they wouldn't take his check, but because of the larger implications.

your response -- telling him to accept it & get a paypal account -- is dumb.

your apologetics -- that a lot of places won't take any check -- is also dumb, as the point of the op is that corporations are using secret metrics to accept or deny on an individual basis, regardless of money in the account & good credit, which is not the same thing at all.

and their answer -- that they don't know how much money he has in his account -- is bullshit. supermarkets run checks through a national database, you think apple can't?

It's kafkaesque.
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:10 AM
Response to Reply #3
4. And he's welcome to stand on the beach and yell at the tides, too.
Fat lot of good it's going to do.

Having had plenty of experience in and around retail establishments in my day, I can tell him it's not personal, or It's probably not personal. I don't think it's about HIM, which seems to be his belief.

I'm sorry you think that's "dumb". Mayhap I should have said something intelligent and helpful, like "Yay thread!"

'Course, no one has to take my advice. But hey, it's free.
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:11 AM
Response to Reply #4
5. there is one good thing it does; it makes people aware of corporate abuses.
Edited on Wed May-25-11 01:13 AM by Hannah Bell
your pov seems to be that people should just shut up & adapt as the corporate surveillance state tightens the noose.

your "advice" is crap.

and so is your analogy; corporate policies are not natural phenomena, they have no similarity to tides. they are policies determined by human beings, and can be undone by human beings as well.
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:14 AM
Response to Reply #5
6. Yes, acknowledging that most places don't let you pay by check is apologetics for the 'corporate
Edited on Wed May-25-11 01:14 AM by Warren DeMontague
surveillance state'. :eyes:

But, then, you also think that making deadbeat parents pay child support for their own offspring is part of the 'noose-tightening of the corporate surveillance state'.



So, whatever. Speaking of 'crap'.
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:23 AM
Response to Reply #6
14. businesses refusing to take anyone's check is quite a different thing from businesses
using a secret metric to decline checks on an individual basis, when 1) that metric is not based on how whether you have money in the account to cover the check or have a history of bad checks, & 2) customers aren't allowed to know the basis for the metric.

Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:23 PM
Response to Reply #14
34. I think it's weird, I'll grant you that.
I suspect the truth is, they didn't want to take a big check, and they came up with some bullshit excuse. Why, I don't know.
Printer Friendly | Permalink |  | Top
 
Dover Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:14 AM
Response to Reply #4
8. No, my problem is that it had nothing to do with ME.
And that they had applied some arbitrary formula to decide who I was. That's what profiling is about. If they wanted to know about ME they could have done a much better job of finding out
who I was and whether or not I was someone who could pay for a computer.

And by the way - TIDES DO TURN.
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:16 AM
Response to Reply #8
9. Yes, tides do turn. But not because people yell at them.
Maybe you should write a letter to the corporate HQ, if you haven't done so previously.

Also, the thing about the arbitrary formula is just what they told you. Maybe they don't take checks, or they say they do but they really don't want to for large purchases.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:23 AM
Response to Reply #4
13. that could work
after all, the tides come in and the tides go out and nobody knows why.
Printer Friendly | Permalink |  | Top
 
eilen Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 05:33 AM
Response to Reply #4
28. I suppose we should all just lay there and shut up
and take it.

After all, who the hell are we?
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:19 PM
Response to Reply #28
32. Well, if you're in the Apple store, you're probably standing up
not laying down.

But the fact is, most businesses don't take checks. I didn't make it that way, but that's the way it is. Blame the messenger all you want, it isn't going to change things.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:20 AM
Response to Reply #3
12. the national database is just another metric though
but I am not sure why Apple would want to use a different system.

Perhaps the system Apple uses is cheaper or more reliable. Supermarkets are probably not taking checks for thousands of dollars either.
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:24 AM
Response to Reply #12
15. but supermarkets know if there's enough money to cover the check.
and that's all that should matter except for a history of fraud. and that's all they have any business snooping into.
Printer Friendly | Permalink |  | Top
 
Dover Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:31 AM
Response to Reply #15
18. Insurance and other companies also do this kind of profiling...
about income level, and "POTENTIALS" for illness based on their little formulas and no
doubt soon it will be based on DNA and other science.

This whole profiling system sucks, isn't accurate and is an easy opening for corrupt or
questionable policies that are far worse than any problems or losses the companies experience from
dishonesty from customers. Because it is corrupt, corrosive and full of prejudice to class, ethnicity, gender, etc.
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 03:54 AM
Response to Reply #18
27. it doesn't really matter whether its accurate. the whole point is to segment
Edited on Wed May-25-11 03:55 AM by Hannah Bell
the market because it's more profitable that way.

the more differences & distinctions, the more niches, the more profit.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:35 AM
Response to Reply #15
20. I'm not sure what they know or how they know it or how much it costs
I'm not sure you do either. How do you know anything about what supermarkets use to verify checks?
Printer Friendly | Permalink |  | Top
 
tblue37 Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 03:15 AM
Response to Reply #3
25. Besides, PayPal is famous for freezing accounts for no good reason and
leaving people in dire financial circumstances because they can't get at their money.

Remember Andy Stephenson?

Also, another DU poster (initials PS) had a similar terrible experience when PayPal froze his account for no good reason.
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 03:31 AM
Response to Reply #25
26. well, just accept it and get a checkbook. or a credit card. or use cash.
Edited on Wed May-25-11 03:32 AM by Hannah Bell
but basically just accept that you are owned & corporations can do anything they like & you're not supposed to complain and if you do you will be mocked for not understanding that "this is the way it is, it's like the tides".
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:21 PM
Response to Reply #26
33. Good point. Why can't he use cash?
And I thought he had a checkbook, but they wouldn't take the check.

Or are checks part of the corporate surveillance state plot, too? I'm confused.

I thought the point was he WANTED to use a check. :shrug: Seems to me cash would be the ULTIMATE form of 'sticking it to the man!' :woohoo:
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:17 AM
Response to Reply #1
10. it was clearly metaphorical
but kind of a strange addition to the main story.

But (expletive deleted) (expletive deleted).


Never mind, just me metaphorically biting my tongue.
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:18 AM
Response to Reply #10
11. Is that Italian?
Swearing sounds so much better in a Romance language.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:57 AM
Response to Reply #11
22. you don't know me very well
sure, you may "know" that I don't believe in evolution, support prayer in public schools and want to over-turn Griswold

but are apparently unaware that I expect Italians to curse in English - even in Italy. http://www.democraticunderground.com/discuss/duboard.php?az=show_mesg&forum=439&topic_id=1159324&mesg_id=1159937

but none of that is true. It does make for good lampooning though.
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:18 PM
Response to Reply #22
31. I never said anything about you believing or not believing in evolution, AFAIK.
Your statements on Supreme Court decisions ranging from mandatory school prayer to Griswold speak for themselves.

And I'm sorry, but arguing that the 'majority should have the right to decide' on things like mandatory school prayer is the exact same thing as saying you support it. The two positions are, in real-world terms, indistinguishable.

As far as the rest of it, despite my encyclopedic knowledge of just about everything including the posting habits of people on DU, occasionally things do get past my information-gathering network. I really need to hire more staff.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:57 PM
Response to Reply #31
38. ah, the good old days are forgotten
I don't have any links to old threads I can readily find either. You and I went several rounds over Darwin probably back in 2005.

Clearly saying that "the majority should decide" is not the exact same thing as support. Support would imply that I would vote on the side of the majority. Hence, even though the Republican wins most of the elections in my district, I still support the process of democratic elections. But that does not mean I support the Republican candidate.

I specifically said Griswold was a dumb law, but why should I support over-turning it by SCOTUS rather than by the legislative process?

Doesn't that lend itself to abuse, especially as the SCOTUS gets more conservative? What else can they over-turn? A Presidential election?
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 02:12 PM
Response to Reply #38
39. Because one of the prime functions of the judicial branch is to protect the rights of minorities
from over-reach by the majority.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 02:30 PM
Response to Reply #39
42. not seeing that in the Constitution
is that in Madison's letters?

I would think their job is to protect the rights of all of us, one of the primary rights being the right to vote, and the right to have that vote mean something.
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 02:38 PM
Response to Reply #42
43. If they'd wanted to set up a straight democracy, they couldve easily done that
One function of the checks & balances in the Constitution and particularly the function of the BOR is CLEARLY to protect citizens from over-reaches by voters. Look at the 1st line of the 1st Amendment: "Congress shall make no law..." Right there, right out of the gate, it's telling the congress, and the voters, what they CAN'T do.
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:01 AM
Response to Original message
2. kr.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:14 AM
Response to Original message
7. checks are tough, always
especially large ones. A business is taking a chance accepting a large check and needs to have some way of reducing that risk. No system is gonna be perfect and, yes, sometimes they do lose good business by not taking checks.

One night, because I could not get a ride, I took a 70 mile bicycle trip. From about 11 p.m. until 7 a.m. the next morning. I was trying to get Kareem Abdul-Jabbar's autograph for a birthday present for my brother. I didn't own a car, and of course, there is no mass transit in this country. Nor could I find a friend to drive me, and I actually called about a dozen people, including some strangers, trying to swing a ride.

Anyway, so I am kinda bone tired, seventy miles from home by bicycle, and without enough cash to pay for a hotel. I didn't own a credit card at the time either. I cannot get a hold of my cousins who live in town, and the hotel will not take a check. A mere $50 or so, and they will not take a check. So I am forced to bicycle home. Actually, my legs had plenty of energy but I could not stay awake. Finally I checked another hotel about halfway home and they, bless them, took a check.

Although, there is another part of the story that I kick myself over. There was a Star Trek convention in town that day and Marina Sirtis was there. If I'd know that, I would have biked another ten or fifteen miles across town. Not sure how I would have found a place to sleep, but I regret not making that convention.
Printer Friendly | Permalink |  | Top
 
Dover Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:25 AM
Response to Reply #7
16. I recall a time when, if the business was concerned about a check,
they'd call a number (I believe to the bank that issued the checks), give the amount it was written for and ask if there was enough in the account to cover it...and they would receive a yes or no answer from the bank.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:32 AM
Response to Reply #16
19. that sounds like a violation of privacy
If there was such a number, wouldn't a crook want to use it to clean out the account? Also, that would seem to require a lot of staff time and/or waiting at the register. When I call any business today, even my local credit union, I first get a machine and then get put on hold. I can imagine a big bank getting thousands of calls with such a system and requiring a couple full time staff people just to answer them. Probably they abandoned that practice as credit cards and now debit cards became so much more ubiquitous. Certainly they were not using that system in 1997 when I made my trip.
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:26 AM
Response to Reply #7
17. if they don't want to take big checks, they should just not take them then.
Printer Friendly | Permalink |  | Top
 
hfojvt Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:48 AM
Response to Reply #17
21. Why?
Why not spend some money for a service that will give a decent chance that the check is good? The only reason the OP is complaining is because the service didn't give him a green light. Well presumably it gives some people the green light and other people a red light. I doubt if there is any foolproof system. If there was, then everybody would be using it, wouldn't they?

But I find my argument here somewhat ironic because earlier I was getting dumped on for being upset about a train station that would not take a credit card http://www.democraticunderground.com/discuss/duboard.php?az=show_mesg&forum=439&topic_id=1159324&mesg_id=1159937

It happens though. Sometimes you can't get a business to take your money and give you a servie or product.

At least in this case, nobody was stranded miles from home about to pass out from lack of sleep or needing to get to Amsterdam to catch a flight home.

Might as well complain about the time I went to the grocery store, got some itmes only to discover that I had neglected to bring my wallet. Dammit, back in the fifties, a store would have let me run a tab!!!
Printer Friendly | Permalink |  | Top
 
Hannah Bell Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 03:02 AM
Response to Reply #21
23. from the corporate perspective, that's a great question. but that's not my perspective.
and the train station didn't take *anyone's* credit card, not just *yours*.

Printer Friendly | Permalink |  | Top
 
cali Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 03:10 AM
Response to Original message
24. you have a lot of fucking nerve. I'll give you that.
Printer Friendly | Permalink |  | Top
 
eilen Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 05:46 AM
Response to Original message
29. Supermarkets use E-Verify
I doubt it costs more than the vendor charges that MC and Visa charge. I'd be pissed too. It's one thing to say "we don't accept checks" , it's another to say "we don't accept your check" -- with no reason. It is an unfair arbitrary judgment. It is like those credit agencies that have a VIP list. Everyone else it's your tough luck. And how does Gingrich get a no interest account at Tiffany's? Is that a feature of all Tiffany's credit accounts? I wonder if this was an effort to get you to apply for a Barleycard at Apple in which I was approved within 5 minutes when purchasing a Macbook for my son. (Interesting, I had to show his student ID to get the discount, however, he was not required to be on the credit account which means that discounts are pretty arbitrary as well).


I know a gal who used a Discover Card to purchase a new car. She did it to use the frequent flier miles for her daughter's overseas air ticket. The dealership balked but then gave in when they realized they would lose the sale. She had the money for the car in the bank and promptly paid off the Discover card.

Printer Friendly | Permalink |  | Top
 
SoCalDem Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:24 PM
Response to Reply #29
35. parents of a friend of my son used credit cards to pay for his college
They used the "miles/goodies/whatever" for themselves. The college did not care how they got paid...only that they were paid:)

and in the overall scheme of things, it might be better to owe a ton of college debt to Visa ..(in case you ever had to belly-up) :evilgrin: school loans are not dischargeable.
Printer Friendly | Permalink |  | Top
 
On the Road Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 06:13 AM
Response to Original message
30. I Think You Have Every Right to be Upset with Apple
but I wouldn't call it a matter of profiling.

The Apple store used a crappy check verifying service that gave the wrong answer. Why they would do this is mystifying, since there is no need to guess. There are plenty of ways of either verifying a checking account directly or taking money out of the account.

It's a stupid business decision for them. An incident like this can lose them a customers worth thousands of dollars over a lifetime.
Printer Friendly | Permalink |  | Top
 
Lars39 Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:27 PM
Response to Original message
36. I had 2 pairs of shoes in line at DSW when my check was declined
by a company I had never heard of before. I had $8,000 in that account at the time. :grr:
Printer Friendly | Permalink |  | Top
 
Rebubula Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 01:33 PM
Response to Original message
37. LOLZ
Hyperbole much?

Profiling....OK.


This is called business and the fact that check writing is going the way of the daily newspaper.


Welcome to the 21st Century. Sorry...


Printer Friendly | Permalink |  | Top
 
Nye Bevan Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 02:23 PM
Response to Original message
40. A store not accepting your personal check is not comparable to racial profiling (nt)
Printer Friendly | Permalink |  | Top
 
Brother Buzz Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 02:24 PM
Response to Original message
41. I was profiled at Tiffany
Even before my credit application was denied.

:hide:
Printer Friendly | Permalink |  | Top
 
MilesColtrane Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 03:31 PM
Response to Original message
44. Find out which check verification system Apple uses, then...
call them up and ask for a report.

ChexSystems (www.chexhelp.com) 1-800-428-9623

SCAN (www.scanassist.com) 1-800-262-7771

TeleCheck (www.telecheck.com) 1-800-710-9898

If you've bounced a check in the past 5 years, or been evicted, or had something similar happen, your checks may not be approved no matter how much money you have in your account.
Printer Friendly | Permalink |  | Top
 
Dreamer Tatum Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-25-11 03:34 PM
Response to Original message
45. You couldn't mention the Magna Carta somehow?
nt
Printer Friendly | Permalink |  | Top
 
Warren DeMontague Donating Member (1000+ posts) Send PM | Profile | Ignore Thu May-26-11 12:32 AM
Response to Reply #45
46. No, no, see, he said he didn't want to carry a credit card.
....


...





"Magna Carta™: It's everywhere you want to be.

...Like not under the thumb of your 13th century feudal lord."
Printer Friendly | Permalink |  | Top
 
DU AdBot (1000+ posts) Click to send private message to this author Click to view 
this author's profile Click to add 
this author to your buddy list Click to add 
this author to your Ignore list Sun May 05th 2024, 09:27 PM
Response to Original message
Advertisements [?]
 Top

Home » Discuss » General Discussion Donate to DU

Powered by DCForum+ Version 1.1 Copyright 1997-2002 DCScripts.com
Software has been extensively modified by the DU administrators


Important Notices: By participating on this discussion board, visitors agree to abide by the rules outlined on our Rules page. Messages posted on the Democratic Underground Discussion Forums are the opinions of the individuals who post them, and do not necessarily represent the opinions of Democratic Underground, LLC.

Home  |  Discussion Forums  |  Journals |  Store  |  Donate

About DU  |  Contact Us  |  Privacy Policy

Got a message for Democratic Underground? Click here to send us a message.

© 2001 - 2011 Democratic Underground, LLC