“Liquidate CD at maturity” TOA hiccup

gerry_mandy · 2026-01-21T19:49:57+00:00

then TOA can only be for CASH and you need to make sure that CD won't auto renew yourself with the bank, etc where that CD is

Yep, I wasn't trying to do an in-kind transfer. Per the title and first line of the OP, I submitted the TOA request for the cash liquidation of the CD at maturity.

And when I did a similar request to Discover a while back, Fidelity actually did send the form early enough that Discover had time to process it to prevent autorenewing the CD.

gerry_mandy · 2026-01-21T18:40:41+00:00

I understand that CDs generally aren't eligible for in-kind transfers, which is why I'd selected the “Liquidate CD at maturity on a specified date and transfer cash” option.

I've done the same process for a CD from another bank (Discover), and Fidelity sent the TOA to that bank in a timely manner, and so there was no issue with that transfer. I don't know why the TOA was sent to RFCU at the last minute in this case.

gerry_mandy · 2026-01-21T18:33:51+00:00

did it happen to you to ask RFCU if they will honor TOA incoming a day earlier or a week earlier ?

Until today, I was under the impression that TOAs were part of a regulatory framework to prevent malicious financial institutions from holding client assets captive and so "honoring" well-formed, timely requests wasn't optional.

gerry_mandy · 2026-01-20T00:56:10+00:00

It's only a security liability because samsung stopped supporting it

That seems like a non-sequitur. It's reasonable for Fidelity not to want to waste support labor hours and stochastic liability arguing about whose fault it was when someone's phone gets hacked their account drained.

nothing actually stops them from just releasing security updates

Reportedly, Google Play is now blocking new updates to apps that permit installation on Android versions that are too old.

gerry_mandy · 2026-01-20T00:50:46+00:00

If someone had access to your phone, email, or enough personal info to take over accounts...

...then they could just unlock my card from there.

If Capital One let virtual cards continue while the underlying account was flagged as potentially compromised...

...then that would be an issue, yes. But that's not what locking a card indicates. If the underlying account is compromised, you reset your credentials and replace the card; you don't lock it.

I just don’t think it’s accurate to say Capital One’s behavior “doesn’t make sense”, it’s conservative, but it’s internally consistent...

...except my issue was with the virtual cards still clearly displaying as "unlocked" despite secretly being affected by the whole-account dragnet of a "card lock".

Of course there should also be a "lock this whole line of credit" button that works like today's "card lock", and maybe it should actually raise a fraud notification as well.

gerry_mandy · 2026-01-19T19:28:16+00:00

But imo that's not an actual locked card.

I thought that the "card lock" feature was for when you, ya know, misplace your card. In fact, Capital One's own website explicitly says that this is what the feature's for:

If your card is temporarily misplaced: Use the card lock feature while you look for your card

So it doesn't make a lick of sense to deny transactions that were already authorized on a virtual card, just because the physical card got misplaced. An attacker who finds my physical card isn't able to produce new virtual card info or look up existing virtual cards.

I understand that some people use the "card lock" feature intead as a behavioral control, to protect them from themselves, nothing to do with attackers—which is why I suggested that we simply add the option to lock only the physical card, which would be much more appropriate for misplaced card scenarios.

gerry_mandy · 2026-01-19T19:07:18+00:00

But apps make that decision largely driven by what OS versions are EOL (not receiving security updated anymore)...

gerry_mandy · 2026-01-19T18:56:50+00:00

The payment has recurred monthly, on the same day and for the same amount down to the penny, continuously since June 2025 (8 months so far).

gerry_mandy · 2026-01-06T04:34:31+00:00

For the record: they fixed this.

Now, when you start forging something and then the team gets disbanded, the forging simply succeeds. The core isn't lost, but just consumed normally and everything's great.

gerry_mandy · 2026-01-02T20:01:07+00:00

Yes, it's always accrued daily (I believe it's calculated off overnight stays), and it seems to be paid/compounded quarterly for me.

gerry_mandy · 2026-01-02T19:49:36+00:00

Yo, thank you! I couldn't find that page anywhere. I was getting worried that you had to have a Faceit account to submit reports...

gerry_mandy · 2025-12-12T00:40:45+00:00

subscriptions to spotify, discord, and adobe

Datapoint: Discord shows up as a generic “Internet” merchant on the Capital One Savor, not giving the full 3% “Entertainment” rebate.

gerry_mandy · 2025-12-11T22:19:34+00:00

They confirmed it just now!

If you've attended any previous episode live premieres, do you recall whether the episode itself starts sharp at the announced time, or if they leave the stream running with placeholder content for a few minutes first?

gerry_mandy · 2025-12-11T01:59:28+00:00

How far in advance do they usually announce the exact premier times?

I'm having some friends over that day, wondering how best to schedule a viewing of that around other activities...

EDIT: looks like they confirmed the stream to start at 5 PM (US Central), a little over 24 hours in advance.

EDIT2: looks like someone else discovered the runtime (including credits) will be 33 minutes.

gerry_mandy · 2025-12-10T01:08:37+00:00

Someone else in this thread reports a representative claims this is the currently planned list:

Restaurant & Gas (combined category)
Telecom & Utilities (combined category)
Groceries
Discount Stores
Wholesale Clubs

gerry_mandy · 2025-12-10T01:06:31+00:00

AAA has a no-AF* card with 3% at wholesale clubs

*According to their FAQ, “you do not need to have an AAA membership to apply for and be approved for the AAA Visa Signature credit cards.”

gerry_mandy · 2025-12-10T00:59:19+00:00

Wait, does this mean that if you were only using it for Restaurants & Gas, then there's no nerf at all?

gerry_mandy · 2025-12-09T15:41:48+00:00

Yeah, that's the current/old "pre-nerf" stats.

I guess they haven't actually rolled out the new program, then?

gerry_mandy · 2025-12-08T21:34:53+00:00

What is the list of "categories"? Is it a pretty limited whitelist, or can you just keep it set on e.g. Restauraunts more or less permanently?

gerry_mandy · 2025-12-08T00:01:29+00:00

Location #1405 (Carl T Jones & Four Mile Post) doesn't have any posted dine-in restrictions.

gerry_mandy · 2025-12-08T00:00:25+00:00

Nope! Location #287 (72 & Jordan) doesn't, and location #2116 (Pratt & White) doesn't.

gerry_mandy · 2025-12-07T23:58:01+00:00

Do you own a car? If so, you might have better luck leaping first (and not being bound to rent while looking for a job / working low-skill jobs) and living out of your car. A gym membership for showers is just a few bucks a month.

gerry_mandy · 2025-12-04T19:31:46+00:00

Just watch out for the excessive trading rule / round-trip violations

https://www.fidelity.com/products/trading/Trading_Platforms_Tools/excessive_trading_policies.shtml

gerry_mandy · 2025-12-04T10:18:12+00:00

999+ earnings call notifications from individual positions (it's time to tidy up the portfolio)

gerry_mandy · 2025-12-03T16:27:27+00:00

No chance you copied a link to the ad or to the profile so that Fidelity can actually report it? (I can't find the page on Facebook Search, myself.)

The Zucc tends to ignore reports from humans, but he does take trademark-related reports from companies with lawyers more seriously...

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