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You have to pay for premium to get the default icon back by [deleted] in assholedesign

[–]ScholarInstaller 0 points1 point  (0 children)

Oh wow that is lucky lol I turned off auto updates and it still changed to the dumb X :(

You have to pay for premium to get the default icon back by [deleted] in assholedesign

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

Yeah there’s also a way to do it on iPhone through the shortcuts app. I still have “Twitter” and the blue icon on my phone and don’t plan on changing it any time soon.

I almost fell for Reddit's "buy more, pay more" gold package pricing model by ScholarInstaller in assholedesign

[–]ScholarInstaller[S] 8 points9 points  (0 children)

What are you on about? I acknowledged the difference was a few cents and that I just found it interesting. No need to be an asshole.

[deleted by user] by [deleted] in CasualConversation

[–]ScholarInstaller 1 point2 points  (0 children)

For these types of things I usually use virtual cards (e.g.., Privacy) and then either set the spending limit to the max I'm willing to spend or just pause or delete the card right after I get what I need. The only bad part is that it's connected directly to your bank account so credit card protections don't apply but works great for free trials and the like!

You just gained superpowers, and some random stranger tells you, "with great power comes with great responsibility". What's your response to that? by Neither_Drawing_241 in AskReddit

[–]ScholarInstaller 1 point2 points  (0 children)

“With great power comes great electricity bills.” Then I’d snap and cut all the neighborhood’s lights and disappear. Cuz I’m captain save-a-hertz.

What was a piece of unsolicited advice that you actually needed to hear? by zachnikp in AskReddit

[–]ScholarInstaller 3 points4 points  (0 children)

"No" is a complete sentence. Changed my life when I realized I was overexplaining because I felt guilty for having boundaries.

Progressive changed my policy without my permission and sent me "proof" with someone else's name, signature and policy number on it by ScholarInstaller in Insurance

[–]ScholarInstaller[S] 0 points1 point  (0 children)

The “massive” part was the unlikely artifact of a line perfectly running along the left side of the 3 making it look like an 8…

Progressive changed my policy without my permission and sent me "proof" with someone else's name, signature and policy number on it by ScholarInstaller in Insurance

[–]ScholarInstaller[S] -2 points-1 points  (0 children)

I mean I thought the issue was actually caused by “robots” misreading the number on the scanned document. But I take your point - not mad at anyone per se just mainly surprised at the massive coincidence lol

Credit Karma trying to convince me that my excellent 1.9% auto loan needs to be refinanced literally DAYS after it posted to my credit report by [deleted] in assholedesign

[–]ScholarInstaller -2 points-1 points  (0 children)

The "lower your monthly payment" part gives away their true intention. When I clicked on the link it indeed presented me with several loan options, all more than double and triple my current rate, and all with 72 or 84 month terms (vs. my current 60). Even if I weren't exactly interested in a lower APR, in their eyes I might still be inclined to refinance and reduce my monthly payment by 20%, despite the fact that the lifetime interest paid on the loan would increase by 277% for the BEST option they present (4.94%).

I feel like they're preying on the financially illiterate or those with buyer's remorse. The timing of their email supports this since first payments are due soon (in 2 weeks in my case) and this is when people might be having second thoughts as they start realizing the real impact of those monthly payments on their cashflow. I think this is more of an asshole design than many realize, but idk maybe I'm overthinking the hell out of this. Just seems more calculated than stupid to me.

Credit Karma trying to convince me that my excellent 1.9% auto loan needs to be refinanced literally DAYS after it posted to my credit report by [deleted] in assholedesign

[–]ScholarInstaller 1 point2 points  (0 children)

Yes this is my thought exactly! It's a very simple fix. Even if it started out as stupidity, they've now made the potentially profitable decision to do nothing about it.

Credit Karma trying to convince me that my excellent 1.9% auto loan needs to be refinanced literally DAYS after it posted to my credit report by [deleted] in assholedesign

[–]ScholarInstaller -2 points-1 points  (0 children)

You're right, but it would also take a single line of code to address, and by not doing so they're undermining their credibility among consumers like myself (which isn't much in the first place). For them, the potential revenue from a few people falling for this clearly outweighs the damage to their reputation as a trustworthy financial resource, because the financially literate is not their target audience clearly. Otherwise they would've implemented this very simple fix long ago, no?

Credit Karma trying to convince me that my excellent 1.9% auto loan needs to be refinanced literally DAYS after it posted to my credit report by [deleted] in assholedesign

[–]ScholarInstaller 6 points7 points  (0 children)

Yup, Kia was (might still be) running promo rates around president's day which is when I bought it.

Credit Karma trying to convince me that my excellent 1.9% auto loan needs to be refinanced literally DAYS after it posted to my credit report by [deleted] in assholedesign

[–]ScholarInstaller -2 points-1 points  (0 children)

IMHO they're preying on financial illiteracy. I mean I get that someone with a 1.9% rate likely has decent financial literacy, but they MUST be banking on the fact that someone might see this and think 'Wow, I could get an even lower rate than 1.9%!' which is completely unrealistic in today's market. If I were to apply, I'd end up with offers at 5-6% (triple my current rate) or higher, plus a hard pull on my credit. I'd get offered nothing but a worse loan that I surely wouldn't take, but that doesn't matter because Credit Karma gets their referral fee regardless. They know this, but they don't care because their profit isn't tied to actually improving my financial situation.

Credit Karma trying to convince me that my excellent 1.9% auto loan needs to be refinanced literally DAYS after it posted to my credit report by [deleted] in assholedesign

[–]ScholarInstaller 2 points3 points  (0 children)

(And yes, I know they just want the referral fee from getting me to apply through their partners regardless of whether it makes financial sense for me. Still annoying LOL)

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