this post was submitted on 14 Jan 2026
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Don't be mean. I promise to do my best to judge that fairly.
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I avoid bank transfers whenever possible. If someone fraudulently charges something to your credit card it's trivial to dispute the charge and get it fixed before you ever suffer any financial impact. If they fraudulently transfer money out of your checking account and your mortgage payment and a bunch of other payments bounce before you catch it, it can be a real nightmare.