Metaphysical, Spiritual and Psychic Discussions > Keen.com
Went on a Keen bender last night
doubleoh8:
--- Quote from: Still tired on October 03, 2017, 12:32:41 AM ---
According to an act passed in 2009 (assuming you are in the US) they are not supposed to allow you to charge over your limit unless you have opted in to that feature and agreed to it.
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Thanks. Something to look into... I have a feeling it may be somewhere in my financial institution's fine print, but I'll see.
peppie:
--- Quote from: Still tired on October 03, 2017, 12:39:34 AM ---
--- Quote from: njlady on October 02, 2017, 11:43:50 PM ---
--- Quote from: Still tired on October 02, 2017, 11:30:04 PM --- But the very least they could do is add features that help us track and limit our own spending. If we pay a premium for their service, why not? But that would reduce their profits so they will never do it willingly.
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The DO have that feature.
Click on Transaction Details and your transaction summary for the current month will come up. Use the drop down box to view your monthly transaction history for the prior 13 months.
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Nope. I am talking about having a features where you can set specific spending limits, per month, per transaction, and then when you reach that limit you can choose to get a warning message or be completely cut off. It would be the customer's choice. And as I mentioned before, also a waiting period before you are allowed to change preset limits so people can't do it impulsively.
They could also put easier ways to see how much you've spent, total, per month, year, or for the life of your account without digging through each transaction.
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This is YOUR job, not the credit card company's.
I really can't sit here and read this thread anymore. Blaming the ccard companies because you can't control your spending habits is a whole other issue separate from being addicted to psychic readings.
peppie:
--- Quote from: Still tired on October 03, 2017, 06:37:52 AM ---
Yeah, you're obviously not really resding the thread or understanding what some of us are talking about because your responses are way off. I wasn't even talking about credit card companies there, I was talking about Keen adding features that would help people track their spending. Most credit card companies in fact have features like that. I don't know where you see all this stuff about blaming credit card companies or whatever else you keep reacting to.
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take the words "the ccard companies" and replace with "keen". same applies.
sunshineluv7:
If you want to limit yourself... do this.
Go buy yourself a pre-paid Visa gift card. Use that as your payment method.
Done. :)
candy1:
--- Quote from: doubleoh8 on October 02, 2017, 11:11:01 PM ---
--- Quote from: candy1 on October 02, 2017, 09:52:18 PM ---
--- Quote from: peppie on October 02, 2017, 09:47:09 PM ---
--- Quote from: Universal9 on October 02, 2017, 09:28:15 PM ---This psychic line called thecircle.com or what used to be called, had a mandate of $500 or something max per month. That I know because I used to use that service long ago. It is UK based service. Why did they have the mandate? Because they care. They care about the customers, about their spending. They understand that when we are being let down by someone, how it feels, where can will power fly away, and how can that take a toll on our debts because we want to hear something positive from someone during those times.
Like alcohol has an age limit, like marijuana has limitations, so should these addiction-based services have restriction.
Why is it so difficult to understand that keen makes money off of a person's misery, their immediate distress. Otherwise they have no income.
I dont see how I can control credit card's transaction via keen but yes they should have a limit too for such services. Someone has to take charge for these addiction based services, one day it will happen. And trust me, that will be for our best. Much better than realising that we spent say $15000 on keen readings instead of having it in savings!
And for those who want to spend more than $500 per month (and 500 is an arbitrary number), yes they should be allowed but it should not be made easy for them either. Just for example. I am thinking out loud anyways.
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We're not victims. I really don't mean this in a mean way, but if you can't accept responsibility for your own behaviors, you'll probably be addicted for a very long time. Example: if an alcoholic can't admit he/she has a problem he probably will be an alcoholic for a long time.
You can't blame the freedom allowed by our financial system for your spending woes.
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YESS!!!!!! Exactly!!!!
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Soooo... wondering your thoughts on this: what if the financial institution allows you to go significantly over your spending limit?
That's my situation. I totally agree that we are responsible for the spending. That said, after 30+ years of building great credit and being a super responsible person :D I went out of control with psychic calling and maxed my credit card. But it didn't end there, because my bank allowed me to go 50% over and above my credit limit -- and my limit was high! I didn't catch it until I came out of my temporary insanity. Still -- I do feel it's 100% my responsibility, but a friend suggested I could take it up with the bank that they allowed me to keep spending after I'd reached and exceeded my limit. The bank says they have that discretion for valued customers... but that I can take it up with credit card services if I choose to. I haven't decided if I will ... but am considering it.
Interestingly, keen was able to keep charging my card while california psychics was not.
Thoughts?
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Mine did, just recently actually... I knew I was over... I kept using it. Now I have a HUGE minimum payment to make. So I have made a huge chunk of it.... I will pay the rest before the due date. Not the banks fault... IT is MINE...
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