For anyone that doesn’t know, currently because of stuff like this, people in Australia can’t even access their Steam games that they’ve already bought unless they have a credit card, which I’ve learned most people over there don’t. Valve isn’t allowing the third-party ‘steal your data’ options like face scan and government ID, so Australian folk without a CC are out of luck.
Australians, please fight back against these anti-privacy laws. If these are successful, they’ll come to other countries.
Credit cards are very common here. Also, I don’t have a credit card and I haven’t lost access to any of my steam games.
I’ve played games like Wuthering Waves and VPN’d to America and the game has asked me to verify my age then I’ve disabled the VPN and started the game again and magically it’s not now.
I’ll chime in to say that I’m an Australian and on the flipside I don’t know anyone with an actual credit card (not debit). So yeah you’re also making a sweeping generalisation.
Also none of my debit cards work around the steam requirements, it depends on which bank you’re with.
I don’t know an adult Australian who doesn’t at least have a Visa debit card, which more or less functions as the same.
Many use EFTPOS (and quite frankly our government should move that to a credit payment facility so we can ditch the American ones) but what that Aussie told you is not correct; in fact most of the larger retailers are pushing for cashless transactions.
Are you sure that a Visa debit card is a credit card? I ask because in Canada we also have those (I have one) and it is specifically not a credit card. Rather, it is a debit card that is sometimes accepted by systems that ask for a credit card.
Regardless of this, I believe these changes should be protested. None of this is ever looking out for children, and I’m sure if stuff like this succeeds over there, it’ll just be a matter of time before we’ve got the same thing in the Americas.
I will say, as is alluded by discussion further on, there is a big lean from many toward Visa debit because it uses existing funds. Most I know who are working and even a few not working maintain credit cards however.
Or BNPL; I actually prefer it because there’s no maintaining credit fees and I can maintain it well enough.
It really depends on which Australia you qualify in. I’m in the B team so credit offerings aren’t something I’m really a part of, aside from BNPL. Many Aussies who ‘own’ homes run most of their lives through credit cards and home loan equity.
Australians absolutely have credit cards. The previous poster seems to be getting their information from a single Aussie.
I couldn’t find numbers specifically for the percentage of people who have at least one card, but the total number of CC accounts indicates that it’s likely that the majority of working adults have one. That being said, credit card usage is low compared to other countries, I suspect because the government made the banks get together and create a universal electronic payment network in the 1980s, and we’ve all been used to paying virtually anywhere with our regular ATM cards, direct from our normal bank accounts, for decades. Credit cards are primarily used for, y’know, credit, and not just everyday transactions.
And for all the talk of the credit card companies, my personal experience with online payment processors has been that they often won’t accept Cirrus or VISA Debit cards, or at least not cards issued outside their own country. So online shopping can be difficult without a credit card.
I just want to be clear, what my post meant to say is that it’s (apparently) not as common to use a credit card like you would in North America (basically a necessity if you want to get a car, apartment house, etc).
This person that I got the information from was very up in arms about this, so I’m not sure why they would lie about this. Again, I looked this up after. You can find posts about people discussing this very issue from a month ago.
My whole point wasn’t even about the credit cards. It’s about the anti-privacy laws.
Credit cards are mostly a US thing. Most other places you just use debit cards.
Credit cards are of course used worldwide but most people don’t own one and those who do use it rarely, since why would you borrow money to pay for something unless it’s an emergency or some big / long term thing (at which point an actual loan is probably better, so again CC not needed).
At least in my corner of the world, debit cards can be used anywhere online that requires credit cards, but at least some banks disable it by default so you have to enable online payments. 15 -20 years ago it was different and you HAD to have a credit card to buy shit off Amazon or Steam so most kids couldn’t get shit.
I’m not an expert, I’m just being told this from an Australian. They do have credit cards, but it’s not as much a necessity to do things as it is in North America. So, from what I’m told, a lot of adults don’t have one.
For anyone that doesn’t know, currently because of stuff like this, people in Australia can’t even access their Steam games that they’ve already bought unless they have a credit card, which I’ve learned most people over there don’t. Valve isn’t allowing the third-party ‘steal your data’ options like face scan and government ID, so Australian folk without a CC are out of luck.
Australians, please fight back against these anti-privacy laws. If these are successful, they’ll come to other countries.
You are completely wrong.
Credit cards are very common here. Also, I don’t have a credit card and I haven’t lost access to any of my steam games.
I’ve played games like Wuthering Waves and VPN’d to America and the game has asked me to verify my age then I’ve disabled the VPN and started the game again and magically it’s not now.
I’ll chime in to say that I’m an Australian and on the flipside I don’t know anyone with an actual credit card (not debit). So yeah you’re also making a sweeping generalisation.
Also none of my debit cards work around the steam requirements, it depends on which bank you’re with.
I don’t know what to tell you, I got my information from an Australian, and everything I’ve seen online confirms this.
I’m an Australian
I don’t know an adult Australian who doesn’t at least have a Visa debit card, which more or less functions as the same.
Many use EFTPOS (and quite frankly our government should move that to a credit payment facility so we can ditch the American ones) but what that Aussie told you is not correct; in fact most of the larger retailers are pushing for cashless transactions.
Are you sure that a Visa debit card is a credit card? I ask because in Canada we also have those (I have one) and it is specifically not a credit card. Rather, it is a debit card that is sometimes accepted by systems that ask for a credit card.
Thank you for some further explanation.
Regardless of this, I believe these changes should be protested. None of this is ever looking out for children, and I’m sure if stuff like this succeeds over there, it’ll just be a matter of time before we’ve got the same thing in the Americas.
I will say, as is alluded by discussion further on, there is a big lean from many toward Visa debit because it uses existing funds. Most I know who are working and even a few not working maintain credit cards however.
Or BNPL; I actually prefer it because there’s no maintaining credit fees and I can maintain it well enough.
It really depends on which Australia you qualify in. I’m in the B team so credit offerings aren’t something I’m really a part of, aside from BNPL. Many Aussies who ‘own’ homes run most of their lives through credit cards and home loan equity.
I’d wager this person who spoke about it to me is on the younger side - probably early 20s, so some more of this is making sense.
I also believe Steam doesn’t allow Visa Debit - at least, it doesn’t here, so perhaps it’s the same over there.
I believe it does, in fact I can find out for sure because my son is on Steam I believe, and runs Visa debit
I’ll go ask him
Edit: yes he does and yes he adds funds to his Steam account using his Visa debit card
Glad I could help here ay, most of the time I’m fairly useless
Appreciate it, thanks for checking!
Total tangent here… austrailians don’t have credit cards? Tell me more, I am very curious.
Australians absolutely have credit cards. The previous poster seems to be getting their information from a single Aussie.
I couldn’t find numbers specifically for the percentage of people who have at least one card, but the total number of CC accounts indicates that it’s likely that the majority of working adults have one. That being said, credit card usage is low compared to other countries, I suspect because the government made the banks get together and create a universal electronic payment network in the 1980s, and we’ve all been used to paying virtually anywhere with our regular ATM cards, direct from our normal bank accounts, for decades. Credit cards are primarily used for, y’know, credit, and not just everyday transactions.
And for all the talk of the credit card companies, my personal experience with online payment processors has been that they often won’t accept Cirrus or VISA Debit cards, or at least not cards issued outside their own country. So online shopping can be difficult without a credit card.
I just want to be clear, what my post meant to say is that it’s (apparently) not as common to use a credit card like you would in North America (basically a necessity if you want to get a car, apartment house, etc).
This person that I got the information from was very up in arms about this, so I’m not sure why they would lie about this. Again, I looked this up after. You can find posts about people discussing this very issue from a month ago.
My whole point wasn’t even about the credit cards. It’s about the anti-privacy laws.
Credit cards are mostly a US thing. Most other places you just use debit cards.
Credit cards are of course used worldwide but most people don’t own one and those who do use it rarely, since why would you borrow money to pay for something unless it’s an emergency or some big / long term thing (at which point an actual loan is probably better, so again CC not needed).
Debit cards make sense. Though I would expect those to be usable as CCs for the verification part.
I’m not sure the reason, but my guess is that a child can own a debit card, but can’t own a credit card.
At least in my corner of the world, debit cards can be used anywhere online that requires credit cards, but at least some banks disable it by default so you have to enable online payments. 15 -20 years ago it was different and you HAD to have a credit card to buy shit off Amazon or Steam so most kids couldn’t get shit.
I’m not an expert, I’m just being told this from an Australian. They do have credit cards, but it’s not as much a necessity to do things as it is in North America. So, from what I’m told, a lot of adults don’t have one.