Here it is for the too lazy to click and read ones
http://imgur.com/8iQdaiX
Topic: How is XAPO getting away with this bull*hit?! - page 2. (Read 4079 times)
Meh, I'll still get it though hopefully competition will kill the monthly fee. A decent rise in the BTC price will make $5 a month seem like nothing.
I pay $150 per year for my Amex. I'll just drop that and use Xapo.
I pay $150 per year for my Amex. I'll just drop that and use Xapo.
Part of me agrees with you and the other side thinks that these "bridges" are slowing the adoption of merchants accepting direct btc payments by propping up old payment methods. I would rather have BTC users ask a business if they accept BTC, encourage them to accept it, and than reward the merchants that accept BTC directly by shopping there.
Meh, I'll still get it though hopefully competition will kill the monthly fee. A decent rise in the BTC price will make $5 a month seem like nothing.
I pay $150 per year for my Amex. I'll just drop that and use Xapo.
I pay $150 per year for my Amex. I'll just drop that and use Xapo.
farlack, u mad bro?!?!?!
Can you just admit you were wrong. Im amazed to what lengths you would go to defend your wrong point.
Are you a lawyer or something? Just have some dignity and admit that you didn't read inBitweTrust perfect explanation and just kept blablabing because you had nothing better to do or something.
Can you just admit you were wrong. Im amazed to what lengths you would go to defend your wrong point.
Are you a lawyer or something? Just have some dignity and admit that you didn't read inBitweTrust perfect explanation and just kept blablabing because you had nothing better to do or something.
Really how many online banks have you had? I've had about 50-60 greendot cards. I was charged these same fees by Every. Single. One.
Please let me know how many you have had.
Please let me know how many you have had.
greendots are prepaid cards you can get without ID , and not what I'm talking about....
As far as internet banks with no monthly fees that I have personally have used in the past
x.com (bought by paypal later) - online bank - no monthly fees , and earned interest on checking
Currently use - paypal - - online bank- no monthly fees
ally.com - - online bank - no monthly fees, and earned interest on checking
citibank - - online and physical bank- no monthly fees
I have also used many local credit unions (online and physical) in the past , none of which had monthly fees.
You're still failing to show me where it says there is no maintenance fee. It says there isn't a fee to use the card. I doesn't say anyone show me one, just a single line where is says there isn't a maintenance fee. It only states there isn't a fee to use the card. In the same fucking line.
"Does the Xapo Debit Card carry any additional fees?"
The answer was no and further explained that merchants would take care of all fees outside the initial 15.
Look if they worded the above question to say this:
"Does the Xapo Debit Card carry any additional fees when used?"
I would claim that they were being misleading but not blatantly dishonest, but they didn't. "Additional fees" in my definition means what it says it means"additional fees"... you have some warped sense of logic assuming that all the other "additional fees" they added at the last moment (remember we are also talking about new "usage fees" too which you fail to mention) categorically don't fall under the classification of "additional fees" and than justify your logic by quote mining between separate questions and extrapolating that to fit your definition.
Really how many online banks have you had? I've had about 50-60 greendot cards. I was charged these same fees by Every. Single. One.
Please let me know how many you have had.
You're still failing to show me where it says there is no maintenance fee. It says there isn't a fee to use the card. I doesn't say anyone show me one, just a single line where is says there isn't a maintenance fee. It only states there isn't a fee to use the card. In the same fucking line.
Please let me know how many you have had.
You're still failing to show me where it says there is no maintenance fee. It says there isn't a fee to use the card. I doesn't say anyone show me one, just a single line where is says there isn't a maintenance fee. It only states there isn't a fee to use the card. In the same fucking line.
That line is specifically talking about using the card with a merchant and you know it is 
Whats this? A bitcoin technology company that is a new company who is bringing everything everyone wanted to the table? A mother fucking bitcoin debit card.. And the only thing mentioned is how much of a scumbag they are because they said there isn't a fee to 'use' the card, but forgot to mention the fee to maintain the account?
Burn them at the stake.
Whats this? A bitcoin technology company that is a new company who is bringing everything everyone wanted to the table? A mother fucking bitcoin debit card.. And the only thing mentioned is how much of a scumbag they are because they said there isn't a fee to 'use' the card, but forgot to mention the fee to maintain the account?
Burn them at the stake.
No. You keep assuming they used the word "Use" which I clearly am proving otherwise. I didn't assume they meant just for use and didn't expect a monthly service charge. Why the hell would I expect a monthly service charge when they stated otherwise and many traditional banks don't even charge that for a debit card? I, along with many others were mislead because we read and interpreted their words as they wrote them(and not how you are reading into them).
Traditional banks such as who? Just about ever bank charges you for a checking account.
The fact that the help pages clearly says the word 'use'
The fact is they forgot to mention the maintenance fee. No where is it stated that there isn't going to be one, nor that there will be one.
....
Show me where it says there wont be a maintenance fee.. It's only talking about a service fee when buying something from a merchant.
A bypass on both the company.. And the OP that didn't register using isn't the same thing as maintaining.
Are you serious? You aren't only quote mining within the answers but quote mining between answers.
They said -
"Does the Xapo Debit Card carry any additional fees?"
The answer was no and further explained that merchants would take care of all fees outside the initial 15.
So are you suggesting all the "additional fees" they added just recently aren't technically "additional fees" as they originally said their would be none of?
Their are many banks and credit unions that don't charge monthly maintenance fees. Xapo is a internet bank as well, it is uncommon for internet banks without tons of physical locations to have maintenance fees. Many internet banks have no monthly fees and even may pay interest on checking accounts.
a few examples amongst many - http://money.cnn.com/galleries/2011/pf/1110/gallery.best_banks_checking/
That line is specifically talking about using the card with a merchant and you know it is
Whats this? A bitcoin technology company that is a new company who is bringing everything everyone wanted to the table? A mother fucking bitcoin debit card.. And the only thing mentioned is how much of a scumbag they are because they said there isn't a fee to 'use' the card, but forgot to mention the fee to maintain the account?
Burn them at the stake.
Whats this? A bitcoin technology company that is a new company who is bringing everything everyone wanted to the table? A mother fucking bitcoin debit card.. And the only thing mentioned is how much of a scumbag they are because they said there isn't a fee to 'use' the card, but forgot to mention the fee to maintain the account?
Burn them at the stake.
No. You keep assuming they used the word "Use" which I clearly am proving otherwise. I didn't assume they meant just for use and didn't expect a monthly service charge. Why the hell would I expect a monthly service charge when they stated otherwise and many traditional banks don't even charge that for a debit card? I, along with many others were mislead because we read and interpreted their words as they wrote them(and not how you are reading into them).
Traditional banks such as who? Just about ever bank charges you for a checking account.
The fact that the help pages clearly says the word 'use'
The fact is they forgot to mention the maintenance fee. No where is it stated that there isn't going to be one, nor that there will be one.
....
Show me where it says there wont be a maintenance fee.. It's only talking about a service fee when buying something from a merchant.
A bypass on both the company.. And the OP that didn't register using isn't the same thing as maintaining.
That line is specifically talking about using the card with a merchant and you know it is
Whats this? A bitcoin technology company that is a new company who is bringing everything everyone wanted to the table? A mother fucking bitcoin debit card.. And the only thing mentioned is how much of a scumbag they are because they said there isn't a fee to 'use' the card, but forgot to mention the fee to maintain the account?
Burn them at the stake.
Whats this? A bitcoin technology company that is a new company who is bringing everything everyone wanted to the table? A mother fucking bitcoin debit card.. And the only thing mentioned is how much of a scumbag they are because they said there isn't a fee to 'use' the card, but forgot to mention the fee to maintain the account?
Burn them at the stake.
No. You keep assuming they used the word "Use" which I clearly am proving otherwise. I didn't assume they meant just for use and didn't expect a monthly service charge. Why the hell would I expect a monthly service charge when they stated otherwise and many traditional banks don't even charge that for a debit card? I, along with many others, were mislead because we read and interpreted their words as they wrote them(and not how you are reading into them).
Additionally, their fee structure is worse than many banks overall.... I thought one of the advantages of Bitcoin and these fancy new "banks" was to reduce fees. If they were expecting no fees and than were forced to impose them due to outside pressures I can sympathize, but I see no explanation or press release explaining this despite searching all over. What they have done is slip the changes in at the same moment they began shipping the cards. That is unethical.
Where are your standards man?
That line is specifically talking about using the card with a merchant and you know it is
Whats this? A bitcoin technology company that is a new company who is bringing everything everyone wanted to the table? A mother fucking bitcoin debit card.. And the only thing mentioned is how much of a scumbag they are because they said there isn't a fee to 'use' the card, but forgot to mention the fee to maintain the account?
Burn them at the stake.
Whats this? A bitcoin technology company that is a new company who is bringing everything everyone wanted to the table? A mother fucking bitcoin debit card.. And the only thing mentioned is how much of a scumbag they are because they said there isn't a fee to 'use' the card, but forgot to mention the fee to maintain the account?
Burn them at the stake.
Find the keyword. There is a keyword here called 'use'. Lets find the definition
1use
noun \ˈyüs\
: the act of using something
: the state of being used
: a way in which something is or can be used
=========================================
There is no fee to 'use' the card.
On the other hand there is a fee to maintain the account.
No. After the initial $15 fee for the physical card and shipping, merchants will pay all fees just as they do for debit and card cards but there won’t be a fee for the customer.
If I 'use' my card, there is no fee. The merchant pays the fee when I 'use' my card.
1use
noun \ˈyüs\
: the act of using something
: the state of being used
: a way in which something is or can be used
=========================================
There is no fee to 'use' the card.
On the other hand there is a fee to maintain the account.
No. After the initial $15 fee for the physical card and shipping, merchants will pay all fees just as they do for debit and card cards but there won’t be a fee for the customer.
If I 'use' my card, there is no fee. The merchant pays the fee when I 'use' my card.
Do you have a problem with reading comprehension? You are assuming their FAQ said this:
"Does the Xapo Debit Card carry any additional fees to use?"
instead it says this:
"Does the Xapo Debit Card carry any additional fees?"
Can see some benefit if XAPO offer anonymous feature, that will negate the fee disadvantage.
So its the same thing as every single prepaid card in the world. Sounds like you're just bitching.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
All we are asking for is honesty in regards to fees. The Internet archive proves this is outright fraud and they could be legally liable if they charge and don't refund the 15 USD if they charge clients who signed up for something much different than advertised.
My guess is they are aware of this and are holding off for the waive of complaints before they start charging the 15USD originally agreed to.
It's more like they forgot to add the monthly fee page. There isn't anything stating there wont be a monthly fee. It says there is no fee to 'use' the card.. not to maintain the account.
I'm going to assume you accidentally didn't read my post which proves otherwise rather than a paid shill:
https://web.archive.org/web/20140708113128/http://help.xapo.com/categories/5988-Debit-Card/questions
How much does the Xapo Debit Card cost?
After paying a $15 fee to order the Xapo Debit Card, it is entirely free to use. The $15 fee covers the cost of the card, shipping, and other expenses.
Does the Xapo Debit Card carry any additional fees?
No. After the initial $15 fee for the physical card and shipping, merchants will pay all fees just as they do for debit and card cards but there won’t be a fee for the customer.
Find the keyword. There is a keyword here called 'use'. Lets find the definition
1use
noun \ˈyüs\
: the act of using something
: the state of being used
: a way in which something is or can be used
=========================================
There is no fee to 'use' the card.
On the other hand there is a fee to maintain the account.
No. After the initial $15 fee for the physical card and shipping, merchants will pay all fees just as they do for debit and card cards but there won’t be a fee for the customer.
If I 'use' my card, there is no fee. The merchant pays the fee when I 'use' my card.
So its the same thing as every single prepaid card in the world. Sounds like you're just bitching.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
All we are asking for is honesty in regards to fees. The Internet archive proves this is outright fraud and they could be legally liable if they charge and don't refund the 15 USD if they charge clients who signed up for something much different than advertised.
My guess is they are aware of this and are holding off for the waive of complaints before they start charging the 15USD originally agreed to.
It's more like they forgot to add the monthly fee page. There isn't anything stating there wont be a monthly fee. It says there is no fee to 'use' the card.. not to maintain the account.
I'm going to assume you accidentally didn't read my post which proves otherwise rather than a paid shill:
https://web.archive.org/web/20140708113128/http://help.xapo.com/categories/5988-Debit-Card/questions
How much does the Xapo Debit Card cost?
After paying a $15 fee to order the Xapo Debit Card, it is entirely free to use. The $15 fee covers the cost of the card, shipping, and other expenses.
Does the Xapo Debit Card carry any additional fees?
No. After the initial $15 fee for the physical card and shipping, merchants will pay all fees just as they do for debit and card cards but there won’t be a fee for the customer.
So its the same thing as every single prepaid card in the world. Sounds like you're just bitching.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
All we are asking for is honesty in regards to fees. The Internet archive proves this is outright fraud and they could be legally liable if they charge and don't refund the 15 USD if they charge clients who signed up for something much different than advertised.
My guess is they are aware of this and are holding off for the waive of complaints before they start charging the 15USD originally agreed to.
It's more like they forgot to add the monthly fee page. There isn't anything stating there wont be a monthly fee. It says there is no fee to 'use' the card.. not to maintain the account.
So its the same thing as every single prepaid card in the world. Sounds like you're just bitching.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
I think he's more annoyed with the fact that they promised no fees and then went against it without notifying people. I've seen those kinds of fees with many pre paid cards though so it's not uncommon so I'm pretty sure they're being charged by their card provider and it's just being passed on.
So its the same thing as every single prepaid card in the world. Sounds like you're just bitching.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
All we are asking for is honesty in regards to fees. The Internet archive proves this is outright fraud and they could be legally liable if they charge and don't refund the 15 USD if they charge clients who signed up for something much different than advertised.
My guess is they are aware of this and are holding off for the waive of complaints before they start charging the 15USD originally agreed to.
So its the same thing as every single prepaid card in the world. Sounds like you're just bitching.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
You want a company to spend millions and millions of dollars, and offer you a service free of charge? Well you've obviously never heard of a bank.
But what a way to start into the business right?
Exactly. This is despicable behavior:
1) https://web.archive.org/web/20140723000048/http://help.xapo.com/
Shows that no page was shown in regards to additional fees as there was no link associated with question.
2) https://web.archive.org/web/20140708113128/http://help.xapo.com/categories/5988-Debit-Card/questions
How much does the Xapo Debit Card cost?
After paying a $15 fee to order the Xapo Debit Card, it is entirely free to use. The $15 fee covers the cost of the card, shipping, and other expenses.
Does the Xapo Debit Card carry any additional fees?
No. After the initial $15 fee for the physical card and shipping, merchants will pay all fees just as they do for debit and card cards but there won’t be a fee for the customer.
WTF, are they thinking
What is scary is they must be unaware of Internet cache which scares me even more.
But what a way to start into the business right?
What worries me is that this was the most well VC funded company. Might send bad signals to investors.
What worries me is that this was the most well VC funded company. Might send bad signals to investors.
Jump to: