A direct debit is a contractual agreement, they have zero access to the bank account, just the unique identification number and an automated system that requests money from that unique identifier once per month.
And that if there's no money in the account, they don't take you into credit, but instead just pause service until you pay
The ability to pay money for your contract?
Edit: they only ask for that if on Contract, if pay-as-you-go they ask for no details at all
Wait, they ask for your details when setting up a phone in America?
I thought y'all lived in the land of the free!
The most I've ever been asked for to setup a phone is my bank details, and that's it, so they can setup direct debit for my contract
Ah you've fallen for the oldest trick in the book, may I interest you in this $6 bill?
Fun fact: credit score disproportionately harms minority groups
Nah, Linux Programmers are all nerds, and they started using it, which then made basically every programmer use it, but it's way older, 1960s sci-fi novel
That you need a Credit Score
They've only existed since the 80s, but they're now seen as essential, and unlikely to go away
But they don't need to exist, and are actively harmful to people, and often just straight-up incorrect
!amitheasshole@lemmy.world
It's a joke to be fair
They already said that
And liberals
Tbh, I don't think I have ever seen one in-person
That's literally impossible, it's not how it works
At the very least it's literally impossible in UK and EU.
The system isn't actually taking any money from you at all, it's merely sending requests to the bank to ask for the money.
Some banks automatically will go "okay!", some need human confirmation for every transaction, ALL need human confirmation for any transactions over £200 (by law)