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Pay attention to who you send money to, don't click malicious links, don't leave your phone sitting around with no lock screen and automatically logged into your banking app? This feels way less like some fundamental flaw in Zelle and more a flaw of how people treat security on a device that has more of their information than anything else.
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Sep 6, 2023 00:18
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If you hand cash to a scammer, your bank won't refund that, either.
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Sep 6, 2023 00:44
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You’re right. gently caress the user for making a mistake. In Europe if I want to transfer money from my bank to someone else I need (1) physical access to my card and (2) I need to stick my card into a card reader and enter my PIN among other transaction details before the money leaves my bank account. But I can do that transfer via my bank’s app and it goes directly into the other person’s bank account instantly without them having to download an app or set anything up. I dunno that seems like the much safer system but hey it’s inconvenient so whatever. Boris Galerkin fucked around with this message at 03:40 on Sep 6, 2023 |
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Sep 6, 2023 03:37
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Considering that most Zelle fraud relies on phishing the user into willingly sending money to someone, I don't see how adding more steps changes that. We're at a point in time where loving pharmacy and gas station staff have to yell at boomers that no, that isn't really the IRS that's asking you to buy thousands of dollars in gift cards to pay taxes.
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Sep 6, 2023 04:05
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Yeah, I've only ever used Zelle to send or get money from friends, never involving someone I don't already know in person. It's basically an easier way to do an ACH push transfer without revealing either party's actual bank acct/routing info. It's been forever since I've done it, but I recall you select the recipient by either phone # or email, presuming they've registered to use Zelle at their financial institution. I can see where it might be easy to gently caress up and send money to the wrong person, assuming you mistype their email or phone number. I also see why it would be the preferred money transfer method for people scamming people, because it's basically irreversible once done.
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Sep 6, 2023 04:42
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Boris Galerkin posted:You’re right. gently caress the user for making a mistake. How does that stop you from sending money to the wrong person or a scammer if you’re already planning to do so?
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Sep 6, 2023 15:47
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It's European and therefore better.
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Sep 6, 2023 20:17
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MY WIFE’S Amex is coming up for renewal and I figured we’d switch her to the Schwab card to snag the bonus. Unfortunately looks like she’s in pop up hell because she has an Amex card already. I guess the benefit of having two full Amex cards is that we get two United credits, hotel credits, etc, while with an additional authorized user we’re limited to one set of benefits only, correct?
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Sep 7, 2023 03:59
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Residency Evil posted:MY WIFE’S Amex is coming up for renewal and I figured we’d switch her to the Schwab card to snag the bonus. Unfortunately looks like she’s in pop up hell because she has an Amex card already. I guess the benefit of having two full Amex cards is that we get two United credits, hotel credits, etc, while with an additional authorized user we’re limited to one set of benefits only, correct? Yes, Amex recently 2weeks ago or so changed the lifetime sub rules, you used to be able to get vanilla + schwab + MS subs now just 1 If you keep 2 you get double credits, also the AU fee just got jacked up. You could ask for a retention offer.
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Sep 7, 2023 04:34
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Residency Evil posted:MY WIFE’S Amex is coming up for renewal and I figured we’d switch her to the Schwab card to snag the bonus. Unfortunately looks like she’s in pop up hell because she has an Amex card already. I guess the benefit of having two full Amex cards is that we get two United credits, hotel credits, etc, while with an additional authorized user we’re limited to one set of benefits only, correct? Correct, unfortunately the changes to the Platinum last month now consider them all one product for the bonus language, so yeah the old slide over to Schwab in year 2 trick is dead.
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Sep 7, 2023 04:35
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pseudanonymous posted:Yes, Amex recently 2weeks ago or so changed the lifetime sub rules, you used to be able to get vanilla + schwab + MS subs now just 1 captain chauncey posted:Correct, unfortunately the changes to the Platinum last month now consider them all one product for the bonus language, so yeah the old slide over to Schwab in year 2 trick is dead. Thanks guys. I guess that'll teach me for procrastinating for a few years.
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Sep 7, 2023 14:49
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Had a Plat, until covid stopped all travel and made it not worth it, and eventually got a Gold instead. Every now and again though when I log in I get a pop-up for the Plat with a bonus. It never says the limit language, but I'm sure it would be on the back-end fine print. I did think back when that I'd consider reupping if I got a bonus, but with the changes I assume it's just a generic pop-up.
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Sep 7, 2023 18:22
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Untagged posted:Had a Plat, until covid stopped all travel and made it not worth it, and eventually got a Gold instead. Every now and again though when I log in I get a pop-up for the Plat with a bonus. It never says the limit language, but I'm sure it would be on the back-end fine print. I did think back when that I'd consider reupping if I got a bonus, but with the changes I assume it's just a generic pop-up. You're probably eligible for the upgrade offer, at least.
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Sep 7, 2023 18:28
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astral posted:You're probably eligible for the upgrade offer, at least. Will they give a bonus for an upgrade, when it's back to a card you've already received one for? Have to look at the terms next time. Always assumed don't qualify for the offer.
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Sep 9, 2023 14:20
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Untagged posted:Will they give a bonus for an upgrade, when it's back to a card you've already received one for? Have to look at the terms next time. Always assumed don't qualify for the offer. It just depends on the offer but sometimes yes.
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Sep 9, 2023 17:42
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My annual insurance is coming due, which ends up being $1100. Debating signing up for a new card for a sign up bonus, but I'm starting to get saturated with cards. Any recommendations? Literally will be sign up, use card to pay insurance, never use again (or small purchases to keep alive). I have - Citi Double Cash Citi Diamond Premier Discover It Delta Gold Amex Amex Blue BofA of some sort Amazon Visa Chase Freedom Wells Fargo 2x
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Sep 11, 2023 15:28
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Medullah posted:My annual insurance is coming due, which ends up being $1100. Debating signing up for a new card for a sign up bonus, but I'm starting to get saturated with cards. Any recommendations? Literally will be sign up, use card to pay insurance, never use again (or small purchases to keep alive). Another Amex for one of the lifetime subs doesn't seem unreasonable, not sure which ones $1100 would be sufficient to do.
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Sep 11, 2023 19:16
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You’re getting into bigger SUB territory which will come with bigger spend requirements. The various Chase sapphire and business cards and amex being the main ones for you to look at.
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Sep 11, 2023 21:06
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Is there any reason to hold off on canceling my wife's regular Amex plat? Likely no chance that they'll change their policy on the sub thing right?
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Sep 11, 2023 21:34
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Residency Evil posted:Is there any reason to hold off on canceling my wife's regular Amex plat? Likely no chance that they'll change their policy on the sub thing right? Retention offer(s)?
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Sep 11, 2023 21:36
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CubicalSucrose posted:Retention offer(s)? We got a 55k MR points retention offer this year for $5,000 spend in 3 months I think? Doesn’t hurt to ask.
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Sep 11, 2023 22:09
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gonna recommend not getting any delta cards after today's news lol https://www.delta.com/us/en/skymiles/medallion-program/2024-program-updates actionjackson fucked around with this message at 02:34 on Sep 14, 2023 |
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Sep 14, 2023 02:30
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actionjackson posted:gonna recommend not getting any delta cards after today's news lol Lol shorter Delta: "Buy business class tickets or gtfo".
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Sep 14, 2023 14:43
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Ironically, this change is actually good for me as an America Express Platinum holder who doesn't really fly with Delta. Previously you had unlimited lounge visits with Delta SkyClub but you needed to be flying with Delta, now it's 6 visits per year but you can be flying with anyone, I believe. Which means I can visit the Delta SkyClub 6 times more than I usually do. I still think the changes are poo poo, it just happens to benefit me for once.
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Sep 14, 2023 20:03
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pezzie posted:Ironically, this change is actually good for me as an America Express Platinum holder who doesn't really fly with Delta. Previously you had unlimited lounge visits with Delta SkyClub but you needed to be flying with Delta, now it's 6 visits per year but you can be flying with anyone, I believe. Which means I can visit the Delta SkyClub 6 times more than I usually do. Do you have a link where Delta changed the need to have a same-day Delta boarding pass to access a SkyClub with a Platinum Amex? Delta doesn't want (low value) people flying on Delta in the SkyClub why would they let someone on a different airline in? I'm pretty sure this went from unlimited access to Delta SkyClub with a same-day Delta boarding pass to access Delta SkyClubs 6 times a year with a same-day Delta boarding pass. Since the need for a same-day Delta boarding pass requirement didn't change it wasn't added to the changes.
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Sep 14, 2023 21:32
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gariig posted:Do you have a link where Delta changed the need to have a same-day Delta boarding pass to access a SkyClub with a Platinum Amex? Delta doesn't want (low value) people flying on Delta in the SkyClub why would they let someone on a different airline in? I'm pretty sure this went from unlimited access to Delta SkyClub with a same-day Delta boarding pass to access Delta SkyClubs 6 times a year with a same-day Delta boarding pass. Since the need for a same-day Delta boarding pass requirement didn't change it wasn't added to the changes. You're right, I might have jumped the gun, I don't see it yet. I'm mostly reacting to the rumors that got posted on reddit last month. Every single detail about the rumors from reddit was confirmed today except the dropping of the need for a Delta ticket, but I'll wait for American Express's statement to confirm it. pezzie fucked around with this message at 23:11 on Sep 14, 2023 |
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Sep 14, 2023 23:04
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I just read an article that stated the if you had a basic econ Delta ticket you can't access the lounge with a Plat, or the Delta card, so I'm guessing the requirement for a Delta boarding pass is still in effect.
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Sep 14, 2023 23:10
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Awesome, I made the swap to the Amex Gold as my primary rewards card a few months ago. I really, really, really need to go on a trip or three.
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Sep 14, 2023 23:42
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I’m just hoping the Delta changes result in less people in the centurion lounges. If Amex stopped giving active duty military annual fee waivers on the platinums you’d see a huge drop in centurion lounge visitors, but that’ll never happen, so we’ll see how the delta changes affect it.
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Sep 15, 2023 03:15
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Cacafuego posted:I’m just hoping the Delta changes result in less people in the centurion lounges. Won't it result in more people in Centurion lounges, since the people traveling on Delta will now have fewer choices? quote:If Amex stopped giving active duty military annual fee waivers on the platinums you’d see a huge drop in centurion lounge visitors, but that’ll never happen, so we’ll see how the delta changes affect it. Wouldn't that be something.
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Sep 15, 2023 03:33
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I have no skin in the game, but man Delta people are big mad about the changes on social media. They made the program too easy to get status in and they're basically resetting it
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Sep 15, 2023 17:21
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Cacafuego posted:If Amex stopped giving active duty military annual fee waivers on the platinums you’d see a huge drop in centurion lounge visitors, but that’ll never happen, so we’ll see how the delta changes affect it. Wow, thats nice. Does it include all of the various credits that come with the platinum? If so, that could easily cost Amex hundreds of millions of dollars a year. Unless of course you also need still to have excellent credit and high income, which would probably disqualify most active duty military.
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Sep 15, 2023 17:40
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woman's reaction to this news from a local morning show
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Sep 15, 2023 17:51
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The whole point of these changes is to make it a lot harder for a ton of people to get status so yeah the people Delta doesn't want (which to be fair is most of us) are gonna be upset.
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Sep 15, 2023 18:37
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drk posted:Wow, thats nice. Does it include all of the various credits that come with the platinum? If so, that could easily cost Amex hundreds of millions of dollars a year. Yes it does, it is the same credit card, and the fee gets waived. When I suggested loading up on all the premium cards (it isn't just amex, I think most of the big issuers* waive the fees), my active duty buddy was all "oh no that's taking advantage of them, I'm not gonna do that". So its not like everyone in the service is grabbing platinum cards. But man, they are trying to take advantage of *you* and rolling themselves in the flag while doing it. Get those miles, credits, lounge access and room upgrades. I'm pretty sure they are still coming out way ahead by "giving" these folks credit cards. * https://militarymoneymanual.com/credit-cards-waive-annual-fees-military/
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Sep 15, 2023 19:08
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saintonan posted:The whole point of these changes is to make it a lot harder for a ton of people to get status so yeah the people Delta doesn't want (which to be fair is most of us) are gonna be upset. I think they went too far in the opposite direction though. Honestly what is the point of any status level at this point? if you do the insane spend required for diamond or plat, you are already flying first or business anyway, so upgrades don't matter. maybe they just love the priority phone line?
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Sep 15, 2023 20:09
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They love the little thing that says they have Platinum Medallion and the plebes don't. There's a sizable number of people who get status through cc spend with AA/DL/UA who fly like once a year.
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Sep 15, 2023 20:27
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Residency Evil posted:Won't it result in more people in Centurion lounges, since the people traveling on Delta will now have fewer choices? Maybe? But from some of the responses I was seeing, it looked like current delta frequent flyers were going to dump the Amex plat in favor of a card that still allows access to sky clubs. Time will tell, I suppose. actionjackson posted:Honestly what is the point of any status level at this point? Upgrades and free bags are nice, but what I really care about is getting bumped to the front of the line or standby list when there’s IRROPS. I want to get where I’m going when things get inevitably hosed up.
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Sep 15, 2023 22:50
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skipdogg posted:I have no skin in the game, but man Delta people are big mad about the changes on social media. If you mean rollover MQM, yes, they let people acquire tons of it during COVID leaving a bunch more Medallions. But, they, like, burned down the house to solve a termite problem.
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Sep 16, 2023 08:34
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Small White Dragon posted:If you mean rollover MQM, yes, they let people acquire tons of it during COVID leaving a bunch more Medallions. Yeah between this and my work situation changing it's basically an invitation to revoke my pledge to House Skymiles. Because of how the airports are in NYC (gently caress going all the way to EWR if you don't live in NJ) they are still the most viable of the big three, but now it's a lot easier to look at say Jet Blue or Alaska when booking, instead of just immediately turning on the Skymiles filter. Lounge and upgrades weren't even a thing at the low end. The biggest perk or low effort silver or gold was baggage fees getting waived. That's an automatic $60-$80 discount on a lot of tickets just for making silver.
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Sep 17, 2023 09:29
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