Will the new CC laws impact porn?

[Toby]

I don't think it will have much impact. I'd wager that a fair number of under 21'ers have debit cards connected to their checking accounts that can be used just like a Visa. I've had one for over 25 years. They're pretty much standard issue with most checking accounts these days here in the US.

[softball]

Originally Posted by Toby

I don't think it will have much impact. I'd wager that a fair number of under 21'ers have debit cards connected to their checking accounts that can be used just like a Visa. I've had one for over 25 years. They're pretty much standard issue with most checking accounts these days here in the US.

I have one of those, but a lot of those guys are living off credit and minimum payments, not real money in their accounts.

[Toby]

Originally Posted by rhetorical

I have one of those, but a lot of those guys are living off credit and minimum payments, not real money in their accounts.

Even if that is the case and the cards are maxxed out, they still have the debit cards.

When I was still young, dumb and married we had a couple of credit cards that were usually pretty close to the limit and we made just the minimum payments almost every month. But we still had the debit cards. They're more or less just like writing a check, only the money comes out of your account much faster.

Your processing stats don't differentiate between a Visa credit card and a Visa debit card. I wonder if the processors themselves have that data. It would be interesting to know what percentage of joins are via debit card vs credit card. I'm guessing the debit card percentage is much higher than you might think.