Credit Card Recommendations Fintech OK Please No Chase/Amex/CapitalOne/WF/BOA/Citi

[simplynoir]

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@Remedios wrote:

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@Anonymous wrote:

LTL Bank is always interested in expanding our offerings and could certainly partner with a Fintech [Note to self: incorporate LTL FinTech Inc]

Let us know what you are looking for in such a card and we would be happy to charge you for it [disclaimer: teething troubles may prevent all features being available at release, or even in the medium-term]

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Oh, I know this one 

I want to be able to switch from crypto included in BK to crypto not included in BK.

We shall name it Curvpito. 

Or, I'd like negative cashback, unlimited, preferably -10%, with quarterly categories like snorkeling, competitive eating, lightbulbs, and sedentary activities.

That way I don't lose any money and card sees no use, myFico style.

Also, AF is okay as long as SL is high enough.  

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You forgot to add a "pay-in-full" penalty feature to the card

[hrdsurfer]

Perfect! I never PIF anyway. I Just tell strangers on the internet that I do.

[Remedios]

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@hrdsurfer wrote:

Perfect! I never PIF anyway. I Just tell strangers on the internet that I do.

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You have been granted MyFico Mega PIF Elite Status for 2023 

[wasCB14]

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@Remedios wrote:

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@FinStar wrote:

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@Remedios wrote:

When it doubt, Platinum.

Looks like credit, works like debit.

Elevated Walmart status, less than 2 hrs wait to enter lounge, helps with junk food cravings (though, due to inflation, one might have to skip bacon and cheese to stay within $15, patties are still doable), but worry not, there are credits for gym one will most likely never use. 

Once per year socks from Saks (but only if on sale).  

There is also entertainment credit for those who severed ties with cable then ended up paying more when subscribing to all streaming platforms. 

Has a high mortality rate, barely any survive through second year, but message forums said it's the best.  

Very metal(y), would have been useful in 80s and 90s, now it just rips wallet slots, but hey...message board said it's great 

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This sounds like the card for me 🤩

It's the lounge and metal(y) for me - sold.

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I don't even have one but Amex called me and asked me to prepay in case I ever get one. 

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I find each lounge also has its own local or special flavor as to why there's a long line. The LAX T3 SkyClub has high demand from people wanting to see the renovations, while the T2 SkyClub has one adult with three kids and an Amex Gold insisting the card allows them all to get in for free.

(Eventually they just started waving in anyone who had an appropriate CC visible, not scanning anyone.)

[hrdsurfer]

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@Remedios wrote:

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@hrdsurfer wrote:

Perfect! I never PIF anyway. I Just tell strangers on the internet that I do.

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You have been granted MyFico Mega PIF Elite Status for 2023 

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Going to need some way for everyone to see my elite status. No point in having it otherwise.

[FinStar]

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@hrdsurfer wrote:

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@Remedios wrote:

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@hrdsurfer wrote:

Perfect! I never PIF anyway. I Just tell strangers on the internet that I do.

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You have been granted MyFico Mega PIF Elite Status for 2023 

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Going to need some way for everyone to see my elite status. No point in having it otherwise.

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We'll work with Admin to showcase a new myFICO rank ...or badge. But, I'm afraid that this will inspire others which may create a backlog in assigning them. Please allow 12 weeks (or longer depending on demand) for profile display 😎💀

[Remedios]

A few weeks ago at SEA Centurion had a long(ish) line, Fluffy Club was nearly empty.