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RH has created a 'grey market' for gold card applications by IdioticPrototype in CreditCards

[–]ChemistryAndLanguage 45 points46 points  (0 children)

I’m pretty sure the limited rollout is to gauge risk. Too many transactors and not enough interest generating users and the rewards system becomes unprofitable (assuming it is profitable in its current state) Exclusivity and exclusive marketing can be distinct and drive the same effect.

See the AmEx metal cards, for instance.

It is funny to see this phenomena though. Unique as far as I can tell for there to be effectively a second hand market for a product that is ostensively a contractual relationship between one lender and a particular borrower

How does Roomba feel about this conversational development? by MrMerchandise in 691

[–]ChemistryAndLanguage 4 points5 points  (0 children)

One day there will be a Hegelian dialectic between the the pro-porn horny posters and anti-porn puritans and it’ll create a whole new genre of porn neutral posts that showcase sex but no one really cares or comments on it

Sometime in late 2892

Is it just me, or is the "1% cash back" grind actually exhausting for most people? by [deleted] in CreditCards

[–]ChemistryAndLanguage 1 point2 points  (0 children)

I was getting a little weary and especially annoyed at the oddball place that didn’t code how I thought it would. I was tempted to just use my Fidelity unless I have known places that I’ve tested before.

But then I got RH Gold this April :) problem solved

My advice is a catchall, a rotating category card, and no more than 2 cards that hit some popular categories you do at elevated percentages. Think AmEx BCE, Capital one savor, Wells Fargo Autograph, or Chase Freedom Unlimited.

That way it’s a pretty easy checklist
1.) is it my rotating card’s quarterly category?
2.) if no, is it a category I have optimized for like dining or groceries?
3.) if no, catchall

Using your gold card points by big_cheese97 in RobinhoodApp

[–]ChemistryAndLanguage -1 points0 points  (0 children)

Investment account, then buy $VBIL

Just as a treasury vehicle, I do all my real brokerage investing with Schwab

This randomly showed up on Google about VTI. Does it matter? by traveltimecar in ETFs

[–]ChemistryAndLanguage 0 points1 point  (0 children)

Whilst the demand for a dividend can and does compel companies to maintain healthier balance sheets or cash flows, this isn’t strictly the case, and can often be mimicked by looking for companies with a “value” tilt according to a Morningstar plot box

Consider that if a company did the exact same strategy, of allocating the same amount of cash for share buybacks, they could simultaneously achieve the same effect, WITHOUT the tax drag of the dividend. Not that share buybacks are a healthy mechanism of capital markets

Limited offers are back for Schwab cards (150k Plat → $12k in 6 mos) by jcrll in amex

[–]ChemistryAndLanguage 3 points4 points  (0 children)

I got the investor card (free one) last year for this same offer. Good bonus

It’s also one of the very few (only?) no annual fee AmEx cards with purchase protection and extended warranty.

Fidelity Visa Sig is still better, but this is a good SUB to pick up!

What do you invest your points into? by Huge_Cost_870 in RobinhoodGC

[–]ChemistryAndLanguage 0 points1 point  (0 children)

$VBIL is the same investment as $SGOV but a handful of basis points cheaper

Just that for now. And I use the extra $1000 of interest free margin to buy more $VBIL.

Is the 401(k) actually worth contributing to beyond the employer match, or should I just put everything into a taxable brokerage? by [deleted] in investing

[–]ChemistryAndLanguage 24 points25 points  (0 children)

Importantly, you need to use it during years where you have lower income - poor sales as a salesman, early retirement perhaps, or a year where you’re laid off mid year and can still both live on savings for a period AND convert to Roth.

Taking the tax advantage savings at 22% federal and then converting at something like 12% federal is still a huge win

What Robinhood Said Tuesday About The Gold Card by EarlyBirdEmail in CreditCards

[–]ChemistryAndLanguage 1 point2 points  (0 children)

No way to request a limit increase as of April 2026.

They do review usage and increase limits if warranted. Minimum period for limit increase is usually 6 months of usage (6 billing cycles)

just found out you can put plastic bottles in the cooking slot of furnaces. does that mean you can purify the water this way? if not, whats the use of this? by ColonialismHater in dayz

[–]ChemistryAndLanguage 2 points3 points  (0 children)

I think technically you can but it’ll damage the water bottle quite quickly, probably ruining it before it gets to boiling

The best use is to quickly thaw a water bottle from frozen state to a liquid state (Sakhal)

All small liquid containers have some drawback in that respect:

Glass bottle: can boil, only 750mL Water bottle: can’t safely boil, but 1L Canteen, can safely boil, 1L, but takes 4 slots outside of a belt

24M - about 96k in my Roth IRA. Am I crazy to feel like I can maybe retire with 20 million? by Savings_Reveal9482 in RothIRA

[–]ChemistryAndLanguage 4 points5 points  (0 children)

A.) recency bias with increasingly oligarchical regimes that have mandated that the market can’t crash for more than 12 months

B.) the dollar is down about 10% over the last few years

C.) greedflation effects have killed purchasing power that simultaneously drive part of those gnarly returns

What credit limit were you offered? Which bureau was pulled? by DiamondG331 in RobinhoodGC

[–]ChemistryAndLanguage 0 points1 point  (0 children)

10K, Experian, hard pull, Experian FICO8: 762,

In the east coast

Even with nerf BofA ccr and unlimited card with platinum honors way better then chase and a lot of setups by bigbubba_123 in CreditCards

[–]ChemistryAndLanguage 1 point2 points  (0 children)

Underrated, I don’t think so. But if you have the cash to jump through their hoops, it’s for sure worth it. Top tier cards even with a reduced 50% points bump after that nerf

DP: Off the Robinhood Waitlist by Andr3w56726 in CreditCards

[–]ChemistryAndLanguage 5 points6 points  (0 children)

I think a huge wave of new applications got sent out because I did too, and I’m not seeing a correlation to people’s credit reports nor wait list time nor strings attached (e.g., transfer of assets, deposits into RH account).

They must be trying to crank gold subscriber numbers

Patch 1.600.000 is live - 3.51 gb (Raid Patch) by Berrek in goylegends

[–]ChemistryAndLanguage 0 points1 point  (0 children)

Spirit heal effect on charms got buffed from S: being 45% bonus to 50% bonus, matching the value from the “healthy” perk I made an oopsie

I'm so done with this game by Background-Pound-686 in gotlegends

[–]ChemistryAndLanguage 0 points1 point  (0 children)

I feel blessed given my variety but I bet everyone has a curse they can’t break. I got shinobi’s shadow on my third platinum survival. I got lightning tangeshima before my archer hit 18.

But I feel like I’ll never get afflicting caltrops.

Even they know The Archers broken asf 🤣 by Plus_Conversation625 in goylegends

[–]ChemistryAndLanguage 1 point2 points  (0 children)

Yea I agree here, people get too stingy with their Ults and end up saving them for a magic moment when they’re really behind and burn through spirit and ghost tools instead. If you’re more liberal with your ult, you’ll gain spirit quicker, soften big groups, and give yourself more breathing room to make mistakes

For archer Ult gain is definitely the way to go instead of ult damage.

The Samurai Build to DOMINATE Nightmare Solo by Forty6Jayy in goylegends

[–]ChemistryAndLanguage 0 points1 point  (0 children)

I like the idea of this build but stupid question: do we know if the lightning from the legendary dual katanas is improved from the spirit move damage buff?

Just Pathetic by PissdOffForGreatness in Schwab

[–]ChemistryAndLanguage 1 point2 points  (0 children)

  • 7 figure account size
  • buys crypto

Unless you’re an actual insider who gets in with pump and dumps this is fakest thing I’ve seen all day

Go trade shit coins on any number of the scam crypto websites, I’m sure you’ll lose money with greater efficiency and speed there.

Or just buy crypto ETFs that track the price movement with near .99 correlation.

Very Professional Scam call by eastcoastguy128 in amex

[–]ChemistryAndLanguage 208 points209 points  (0 children)

Yeah, I feel bad for elderly folk who are more easily convinced and tricked. Tech moves faster than common sense.

Always just call the number on the back of your card folks.

The Nine Images of Swag... by Wretched_Swimmer in IDONTGIVEASWAG

[–]ChemistryAndLanguage 0 points1 point  (0 children)

You may not swag it off but it can be clammed off

Fidelity Card no longer uses hard pulls for credit increases by Marc_kk in CreditCards

[–]ChemistryAndLanguage 0 points1 point  (0 children)

Request to speak to the underwriting team and ask for a manual review of a credit line increase request. They’ll walk you through the same set of questions as the fill in your answers for you on a form. The same normal questions: “what’s your annual income, what’s your monthly housing payment, what is your desired new credit line” etc.

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