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speaking of alternatives, what brand do people hate that actually has a decent alternative? (lemmy.ml)

submitted 2 years ago by [email protected] to c/[email protected]

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I know people prefer to complain instead of act, but what is something people don't like but has an alternative?

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[–] Curious_Canid 37 points 2 years ago (3 children)

Broader than a brand, but I think it fits here...

Everyone hates banks. Credit Unions are better in every possible way.

[–] sumofchemicals 4 points 2 years ago* (last edited 2 years ago)

The first time I bought a car I secured financing through Capital One before I went to the dealership, and then once I found a car told the dealer I'd finance through them if they could beat my other lender's interest rate. They did, by like a quarter percent. Years later when I went to buy another car I got financing through a credit union instead, the rate was much lower than before, and the dealer couldn't beat it.

[–] [email protected] 4 points 2 years ago (1 children)

Might depend on the country though. I grew up where credit unions were really common and just assumed they were the best. I had to switch to something else cause I moved across the country and my credit union was only on western Canada. While shopping around, I realized that the big Canadian banks were offering way more than my credit union ever was. Plus their website actually felt modern.

[–] Curious_Canid 3 points 2 years ago

That makes sense. In typical American fashion I was thinking about my local situation. :-}

[–] [email protected] -4 points 2 years ago* (last edited 2 years ago) (1 children)

Well one disadvantage of credit unions is that you might not be able to get a debit card. Loan interest is usually way better though.

[–] [email protected] 9 points 2 years ago

Huh? I've used 4 different credit unions, and I never heard of being unable to get a debit card.