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Final – A credit card built for the 21st century

getfinal.com

141–150 of 381 posts

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

#141
post #94
post #72

Earlier quoted context omitted.

Which I don't understand. All their stuff has such a hipster aesthetic. I'm not knocking the hipster aesthetic (I don't like it, but that's a whole different conversation), but it's certainly not an everyman aesthetic, which I would think one would want for an advertisement which is supposed to appeal to a wide audience. I'm sure other industries have put a ton of research into this and I assume this is why people in…

A few comments: 1. These guys have produced numerous videos for businesses that have gone viral and spread to millions of people. That's not to say that others can't do the same thing -- just that these guys have a history of success, which suggests that not possessing an "everyman" aesthetic may not be such a bad thing. 2. Most companies that use Sandwich for their videos are early stage startups looking for early a…

Also,

3. Being different (hipster) makes the audience remember the video, and hence the product, which is the purpose of the video.

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

#143
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.

In my personal moral code, most debts ARE a moral obligation. Perhaps your moral code is different from mine.

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

#145
post #63
post #38

Earlier quoted context omitted.

BOA had this. I used to buy MP3s off a russian site that I didn't trust. It makes a temp credit card number (a pop up basically) with an expiry date you can set, and an amount you can set. So I would do 30 day credit cards with like $20 on them. I think it was called shopsafe.

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.

Awesome! Who knew? They certainly don't promote that at all!

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

#146

Earlier quoted context omitted.

It's been around, but the most user friendly way I found was through a Paypal plugin but they indespicably removed that years ago. Been looking for a more convenient method ever since. Signed up for Final, looking forward to it. Finally someone that wants to get this right.

I loved the Paypal plugin. Never understood why they discontinued it.

It may sound appealing (not to me, at all) but it's just not a very good user experience.

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

#148

> Final lets you give a unique credit card number to every merchant, or a disposable one-time use number for one-off purchases. This is something I have been asking for since forever! People on here claimed it was "impossible" because of how credit cards work, I guess not... > Tired of your monthly yoga pants subscription? Or a two-week "free" trial that lasted four months? Just deactivate that card number. It's that…

Counterpoint. If you get taken to collections over a trivial amount ( Have to go to court for collections? The first words out of your mouth need to be, "Verify the debt." Ask them to produce the document you signed and agreed to. In the vast majority of cases, without this, your case will be dropped with prejudice. This is based on research I did while dealing with a personal mortgage "issue". http://www.thisamerica…

The only bad thing on my credit card report is a cable box that was not returned in a timely manner. The box was returned, and I even received my deposit back.

Despite filing disputes, it remains on my report as a $500 non-payment.

I have been able to get other items removed using your strategy but it doesn't always work.

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

#149

Earlier quoted context omitted.

Speaking of which, how will you be different from other small credit cards when it comes to merchant relations? If I go to "Jo Shmo's Taco Shop" am I still going to need a back up Visa card because that's all they are willing to take?

Probably not, my guess is that this will actually be a Visa card. Most Visa and MC cards are branded as such but are actually backed by some other institution, like Bank of America or Chase.

Actually, ALL Visa and MasterCard cards are backed by some other institution. MasterCard and Visa are (well, were: it's more complicated lately) associations of banks.

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

#150

Earlier quoted context omitted.

Counterpoint. If you get taken to collections over a trivial amount ( Have to go to court for collections? The first words out of your mouth need to be, "Verify the debt." Ask them to produce the document you signed and agreed to. In the vast majority of cases, without this, your case will be dropped with prejudice. This is based on research I did while dealing with a personal mortgage "issue". http://www.thisamerica…

The only bad thing on my credit card report is a cable box that was not returned in a timely manner. The box was returned, and I even received my deposit back. Despite filing disputes, it remains on my report as a $500 non-payment. I have been able to get other items removed using your strategy but it doesn't always work.

Did you file a dispute directly with the three credit reporting agencies?
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