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Final – A credit card built for the 21st century

getfinal.com

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Re: Final – A credit card built for the 21st century

#101

Post by rtkwe »

otoburb wrote: post #3
arfrank wrote: post #2

CTO/Co-Founder of Final here. Final is what we built to take back control of our own credit cards for how and when we’re charged, instead of leaving it up to merchants. That led to merchant-specific numbers and limits, managed automatically, as well as transparency in statements. It’s our stake in the ground, a way to shift the culture in credit towards consumer friendliness. Happy to answer questions

Will the physical card have a number embossed on it, similar to other cards? Or can the physical card number be changed in some way (e.g. Plastc's demo supposedly leveraging e-ink display on the card[1])? Also, does Final aim to become a credit card payments processor similar to Visa, Mastercard, et. al., or will you be leveraging a banking/credit institution in the backend to start with? [1] https://news.ycombinator…

The eInk display is one of the reasons that Plastc probably won't work on a credit card size. If you browse through the comment you'll see more details but it boils down to the circuitry to drive an eInk display is thicker than the space available.

Re: Final – A credit card built for the 21st century

#103

Post by austinhutch »

No scrolljacking, beautiful colors, product screenshots, nice imagery and typography.. this is a successful execution of the ubiquitous "startup site" style. Not a comment on the product, but I had to commend you for getting this right when so many others get it wrong.

Re: Final – A credit card built for the 21st century

#104

Post by troupe »

toomuchtodo wrote: post #81
eli wrote: post #74

Earlier quoted context omitted.

That isn't really something I would brag about, but good for you I guess.

Debt isn't a moral obligation, and to somehow frame it as such is dubious at best. If you as a debt owner or servicer can't keep your books straight, you have absolutely no business attempting to collect on a debt. If you're taking someone to court or attempting to take their wages, you better be damn sure you're in the right.

I believe most people would say that when they agree to take money with a promise to repay it, they are under a moral obligation to do so.

Re: Final – A credit card built for the 21st century

#105

Post by icebraining »

JetSpiegel wrote: post #92
otoburb wrote: post #68

Earlier quoted context omitted.

>Some of the better products out there exist for customers outside of the US. Would appreciate if you could give some examples for non-US customers, at least for another point of comparison.

Portugal has MBnet, with a web interface and an Android app, as I recall. It works as advertised.

I can attest. It supports both "one shot" cards as well as multi-use (with a time limit, up to one year), both with a limit on how much they can be charged.

That said, I don't think it has an Android app, just a mobile website. The app that shows in Google Play is just a shortcut to the website (built by an unaffiliated developer).

And of course, it doesn't even any of the notification stuff, it's just a gateway to your regular bank account. Nor does it have physical cards.

Re: Final – A credit card built for the 21st century

#106

Post by faet »

arfrank wrote: post #2

CTO/Co-Founder of Final here. Final is what we built to take back control of our own credit cards for how and when we’re charged, instead of leaving it up to merchants. That led to merchant-specific numbers and limits, managed automatically, as well as transparency in statements. It’s our stake in the ground, a way to shift the culture in credit towards consumer friendliness. Happy to answer questions

Say hey to matt for me.

Why would I use this over something like ApplePay?

Do I need a "final card" for each of my credit cards? Or can I tie it into 1 final card (Mostly for online purchases). Or complete new credit card?

What do costs look like? Or if it's a new line of credit, do I get reward points/etc?

-JT

Re: Final – A credit card built for the 21st century

#108

Post by toomuchtodo »

troupe wrote: post #104
toomuchtodo wrote: post #81

Earlier quoted context omitted.

Debt isn't a moral obligation, and to somehow frame it as such is dubious at best. If you as a debt owner or servicer can't keep your books straight, you have absolutely no business attempting to collect on a debt. If you're taking someone to court or attempting to take their wages, you better be damn sure you're in the right.

I believe most people would say that when they agree to take money with a promise to repay it, they are under a moral obligation to do so.

So when an individual borrows and fails to repay, there is a moral hazard, but when a business declares bankruptcy and restructure, that's smart business?

Debt is a contractual issue, not a moral one. As HackerNews entrepreneurs should keep in mind, its the ability to easily shed debt (and not be shackled to those debts for decades) in the US that creates the environment for startups to take the risks they do.

Re: Final – A credit card built for the 21st century

#109

Post by anonetal »

zippergz wrote: post #80
Animats wrote: post #63

Earlier quoted context omitted.

Bank of America still has this. Log into your BofA account, then go to Accounts->Credit Card->Information and Services. Look under Features for ShopSafe. I use it when I buy from Alibaba.

Does it still require Flash? I always found that incredibly annoying.

Yes it still requires flash. I use it on a regular basis for most of my one-off online purchases.

Re: Final – A credit card built for the 21st century

#110

Post by pmontra »

arfrank wrote: post #2

CTO/Co-Founder of Final here. Final is what we built to take back control of our own credit cards for how and when we’re charged, instead of leaving it up to merchants. That led to merchant-specific numbers and limits, managed automatically, as well as transparency in statements. It’s our stake in the ground, a way to shift the culture in credit towards consumer friendliness. Happy to answer questions

Is it only for US residents? Do you have an Android app?
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