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Capital One Made Me Different Loan Offers Depending On Which Browser I Used

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Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#31
post #23

Earlier quoted context omitted.

What is the world coming to, that you have to explain vi commands on HN?

I actually couldn't get the asterisk to appear without adding text below it, and I didn't have anything else to add. So I just added an explanation. Don't worry! I didn't feel like I needed to explain. But the formatting on HN is odd, and the rule on how to use asterisks is obscure and bizarre.

[deleted]

Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#32

It's either: - A random number each time - Normal split testing using a cookie - Split testing using the user agent rather than a cookie The last one would, I suppose, be more consistent than using a cookie- after all, most people wouldn't switch browsers, but they might clear their cookies. That being said, a few companies have gotten in hot water for doing this. Amazon in 2000: http://news.cnet.com/2100-1017-245631…

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Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#33
post #8
post #7

You also get different loans if you walk into a bank wearing a suit vs. a hoodie.

So which browser is the equivalent of a tuxedo? A suit? A hoodie? I'm not so sure browser choice is an accurate signal of a person's worth (In this sense, worth could mean anything).

Can you tell if an iPhone is locked or not from the UA string? Because I'd expect that locked iPhones are exactly the customer you want most: has money and signs long term contracts (whereas an unlocked or jailbroken product might indicate that they'll do extra work to save money -- exactly the customer you don't usually want).

Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#34
I would expect this has something to do with the browser and where it indexes the results (pull this rate from) from to start with. As Firefox can deliver results from many search engines, I would love to know if Devin knew what Firefox was searching with at the time, Yahoo/ Bing or Google. If set to Google this could be a fantastic bench test to see what results are actually delivered from both browsers connected to Google.

Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#35
post #12

Capital One is famous for experimentation and segmentation based on messaging, response rate, demographic factors, and many other variables. It's how they came out of nowhere in the early 1990s (the founders were consultants who had zero banking or credit card experience) to disrupt the industry, most of which operated on one-size-fits all APRs and risk profiles.

Good point ilamont, I wonder if they have a'users vs risk' load balancer built into the search for the rate. For instance if 100k people tried for the same rate at the same time, would it randomly change the rate to balance the risk?

Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#36
post #16

Earlier quoted context omitted.

Safari is a hoodie

If anything Safari is the only browser that _could_ be _at all_ indicative of one's financial bracket...

IE6 from a non-government email address and/or not during normal corporate business hours = dirty overalls + straw hat

Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#38
post #24
post #19

Earlier quoted context omitted.

s/_/ * [replace _ with * ]

I wasn't aware HN actually had formatting, I was just trying to use plaintext for emphasis... Or does it?

Text between asterisks will be in italics.

Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#39
post #8

Earlier quoted context omitted.

So which browser is the equivalent of a tuxedo? A suit? A hoodie? I'm not so sure browser choice is an accurate signal of a person's worth (In this sense, worth could mean anything).

Can you tell if an iPhone is locked or not from the UA string? Because I'd expect that locked iPhones are exactly the customer you want most: has money and signs long term contracts (whereas an unlocked or jailbroken product might indicate that they'll do extra work to save money -- exactly the customer you don't usually want).

Well.. you could but you would need the IP address also.

You just need to check if the request is coming from a T-Mobile IP, or any other GSM carrier in the USA (http://en.wikipedia.org/wiki/List_of_United_States_wireless_...).

This wouldn't work outside the USA (unless you want to research the carriers) and most people would be connected to wifi.

So, this wouldn't really work. It would be much easier with a BlackBerry as they transmit the vendorID (a type of carrierID) in the UA. You could easily check this with the IP.

Re: Capital One Made Me Different Loan Offers Depending On Which Browser I Used

#40
post #8
post #7

You also get different loans if you walk into a bank wearing a suit vs. a hoodie.

So which browser is the equivalent of a tuxedo? A suit? A hoodie? I'm not so sure browser choice is an accurate signal of a person's worth (In this sense, worth could mean anything).

Even if it's not "reliable", it could still be a usable heuristic. If there data shows a correlation between Chrome use and dependable loan repayment, who to say they should ignore it?
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