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InvisibleShroomismM
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Re: My credit card company is surprisingly kind? [Re: Crave]
    #23967282 - 12/30/16 03:52 AM (7 years, 1 month ago)

Keep in mind doing that will incur a 3% transfer fee usually and constantly opening new lines of credit hurts your score and looks bad but one or two transfers like that shouldn't hurt much.


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InvisiblePatrickKn
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Re: My credit card company is surprisingly kind? [Re: Shroomism] * 1
    #23967472 - 12/30/16 08:17 AM (7 years, 1 month ago)

I bet they are using you to launder their money.


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OfflinePatlal
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Re: My credit card company is surprisingly kind? [Re: ModestMouse]
    #23967480 - 12/30/16 08:24 AM (7 years, 1 month ago)

Quote:

ModestMouse said:
Wow a cool thing happened today. Called my credit company to finally pay some of my card off and they asked if I had financial hardship recently (I was late on paying) so I told them I lost my job. They said that since I was a member for 2 years they are sending me $100 check in the mail, no strings attached in a gesture of good fortune.
:mindblown:
My mind is pretty blown. I didnt even have to provide her with proof of termination she just offered it. Has anyone heard of this? She ensured me it was purely a gift from the company.

Thinks are lookin up a wee bit.




Cash that check the second you recieve it and run.


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InvisiblePrisoner#1
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Re: My credit card company is surprisingly kind? [Re: ModestMouse]
    #23967748 - 12/30/16 10:34 AM (7 years, 1 month ago)

Quote:

ModestMouse said:
Discover
Its a Student card or something but pretty basic





I was asking because wells fargo is going through some shit regarding bankers
signing people up for services they were not aware of such as credit accounts,
they've paid out about 3 million so far to their customers as a settlement for
fucking up credit and dicking them with high balance accounts that have huge
fees when not maintaining the minimum balance. it looks like it will be a class
action lawsuit


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OfflinePatlal
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Re: My credit card company is surprisingly kind? [Re: Prisoner#1]
    #23967765 - 12/30/16 10:40 AM (7 years, 1 month ago)

THe more I think of it, the more I find this business practice brilliant.

If you're struggling financially, you at risk of bankruptcy. If you go bankrut, the credit card company won't get paid and they will lose you as a customer for 7 years. Bad for business. But then, if they give you 100$, it can actually make a difference in your life and it's peanuts to them.

Fucking brilliant.


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OfflineCrave
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Re: My credit card company is surprisingly kind? [Re: Patlal]
    #23968052 - 12/30/16 12:34 PM (7 years, 1 month ago)

It's not brilliant at all, they are operating at a loss and on boarding unlucrative clients


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InvisibleModestMouse
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Re: My credit card company is surprisingly kind? [Re: Crave]
    #23968450 - 12/30/16 03:30 PM (7 years, 1 month ago)

Its certainly brilliant.
Just because a client isnt lucrative one moment doesn't mean they wont return to being lucrative.
.


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InvisibleShroomismM
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Re: My credit card company is surprisingly kind? [Re: Crave]
    #23968888 - 12/30/16 06:49 PM (7 years, 1 month ago)

Quote:

Crave said:
It's not brilliant at all, they are operating at a loss and on boarding unlucrative clients




Good one. Yeah throwing out $100 here and there during the holidays for goodwill and client retention is going to kill a company that makes millions each month on late fees alone. :rofl:

That's smart business sense. It is VERY smart. $100 is exactly jack shit to them, but to someone struggling to pay their bills, that could make or break them and make an extremely loyal client.

Operating at a loss? Yeah sure whatever you say.
Companies like this have millions set aside for advertising and misc shit.
This is probably like 10k or something taken out of some pool and some exec decided
"hey lets toss out $100s to clients struggling to pay their bills during the holidays, on a case-by-case basis. This will build brand loyalty and is a gesture of good faith."
And they were right. It will and I'm sure whatever petty pocket change they spent giving people a little kick-boost and small sense of hope, they will make that back multiplied, guaranteed.
It's an investment, make no mistake about that.

Also: Pro Tip. Credit card companies' "whales" (the people who stack their pockets with cash), are NOT the people with a 800+ credit score who pay their bills in full every month. Aka your "lucrative clients"
It's mostly the masses of people with shitty credit scores who pay late fees and interest constantly and constantly carry a balance on their account. People who buy beyond their means and can't pay their bill on time every month. 
They have a vested interest in keeping those types around... that's their bread and butter. Your "unlucrative" clients are where they make a large percentage of their money.


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OfflineCrave
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Re: My credit card company is surprisingly kind? [Re: Shroomism]
    #23969023 - 12/30/16 07:44 PM (7 years, 1 month ago)

Clients that consistently pay the interest rate are what they want, clients who tip into bankruptcy are not. It would be brilliant for them to be off loading these customers once they start entering financial hardship, and not further increasing their costs to acquire or retaim a risky and high maintenance class of client. I meant operating at a loss in this situation, not collectively for the entire business. Just because they have money to spare does not mean it's a good policy to squander it


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InvisibleModestMouse
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Re: My credit card company is surprisingly kind? [Re: Crave]
    #23969033 - 12/30/16 07:46 PM (7 years, 1 month ago)

I think the whole point of the $100 was to prevent the "tip into bankruptcy"... Even if it only helps half of the people they give it to thats still serious client retention


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InvisibleShroomismM
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Re: My credit card company is surprisingly kind? [Re: Crave]
    #23969055 - 12/30/16 07:52 PM (7 years, 1 month ago)

I think you're overthinking it and forgetting the base concept of it, that $100 is absolutely nothing to them and it does create a tighter client bond. I sure as fuck like any company that gives me free money.


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OnlineLogicaL ChaosM
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Re: My credit card company is surprisingly kind? [Re: ModestMouse]
    #23969079 - 12/30/16 07:59 PM (7 years, 1 month ago)

damn thats awesome Modest.

Never heard of that before, but my bank has waived overdraft fees in the past. Not no more thou.

Very cool man, hope u get back on your feet soon! good luck.

Discover sounds awesome, might have to check them out in the future....


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InvisibleShroomismM
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Re: My credit card company is surprisingly kind? [Re: Crave]
    #23969115 - 12/30/16 08:12 PM (7 years, 1 month ago)

See they made one $100 gift to OP, he told some people and now like 3 or 4 people in this thread have mentioned something about wanting to try discover now LOL. Let alone the lurkers who will read it. That's how this shit works.


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InvisiblePatrickKn
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Re: My credit card company is surprisingly kind? [Re: Shroomism]
    #23969122 - 12/30/16 08:16 PM (7 years, 1 month ago)

True, cheaper than a commercial.


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OnlineLogicaL ChaosM
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Re: My credit card company is surprisingly kind? [Re: PatrickKn]
    #23969565 - 12/30/16 11:11 PM (7 years, 1 month ago)

word of mouth is golden!

I liked that name too "Discover", really hits home with my yearing to discover more of the psychedelic experience.

Discover, the card for trippers! :lol:


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InvisibleShroomismM
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Re: My credit card company is surprisingly kind? [Re: PatrickKn]
    #23969689 - 12/31/16 12:09 AM (7 years, 1 month ago)

Everyone in marketing knows word of mouth is the best advertisement you can possibly get.


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OfflinePatlal
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Re: My credit card company is surprisingly kind? [Re: Shroomism]
    #23970114 - 12/31/16 08:00 AM (7 years, 30 days ago)

So yeah. Like I said. It's brilliant.


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