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What made you not like dealing with them?

Maybe I’m a passive user, but my credit cards are autopay set it and forget it. As someone with no opinion on cc companies, curious what gave you such a bad impression.


I’ve had the good fortune of working with actually good banks with actually good customer service, and Chase always sticks out for how indifferent they are. If you don’t need anything beyond the app, sure, they’re probably fine - although I seem to remember them shoving ads in my transaction feed - but I’ve never had luck getting ahold of a human with any variety of autonomy or agency when I needed one.


they have very strict AML controls as well. For example if you regularly withdraw a few thousand in cash to pay contractors for a house project they may close your account.


From what I've heard, they have an obnoxious fraud workflow.

It is possible to get locked out of your card abroad and not have a way to unlock it.


I’ve disputed fraud a couple of times on my Chase cards. It was.. fine? Uneventful and simple.


Their problem is with false positives they find, not true positives you find. My application for a credit card was somehow flagged as fraudulent. Chase repeatedly asked for additional forms of ID, then told me the scans I sent were illegible. (The scans were fine; I think they just needed an excuse.) I went to a branch with the physical documents, and they said they couldn't look at them. The branch put me in an office and called the same telephone support, with the same result. I eventually gave up.

I guess I'm lucky they rejected me before any money changed hands. I've heard horror stories from people with significant assets at their bank, locked out until an actual lawsuit (the letter from a lawyer didn't work) finally got their attention. I think it's like Google support, usually fine but catastrophic when it's not.


> The branch put me in an office and called the same telephone support, with the same result.

As far as I can tell, going to a branch of a big bank to address a problem nowadays is similar to going to a cellphone store for tech support. All they can really do is call the same hotline or fill out the same webform you’d have access to at home.


Anecdotal but just came back from 2 weeks abroad and didn’t have to take any action to continue using my chase card. Also I believe the conversion rate was better than the local.


Genuine question - do professors have to live ethical personal lives?


I mean, they for sure have employment contracts that provide stipulations. What those are exactly, I don't know. It's currently not clear whether their involvement is illegal or not. It certainly seems that it was illegal.

It just seems outright wrong that law professors, or any professor, can be part of, help orchestrate, benefit from, and support massive fraud and still keep their jobs. Not only is it wrong, it also just seems like a plain bad idea to have your students learning from such corrupt individuals.


Do presidents of the United States have to live ethical personal lives?


Oppenheimer II: AI Boogaloo


Love this Groucho Marx quote - just read it recently in Consciousness and the Brain (Dehaene)


Similar to a styptic pencil - you may have seen used in boxing corners.

https://en.m.wikipedia.org/wiki/Antihemorrhagic#Styptics


Ah, of course. I have a block of that stuff.


Incredible story, thanks for sharing.


Genius! Was this an original idea or adapted from elsewhere? Any plans to automate the ¢ to minute ratio when your 9yo begins to establish quarter wealth?


I haven't seen anyone doing the same or similar thing. I only did it because I thought it's gonna be easy to implement. It wasn't too easy, but it was a lot of fun.

I also made the Unity app to support 3D animations, and I'm planning to improve it. For example, it's easier to explain what "30" is with 3 rows of 10 balls (each row is 5 + 5). Animation for subtraction is different, I experimented, added 3D kittens running around, VFX effects, and so on. So kids also have a visual representation of math operations.

I'm ready to share/demonstrate the implementation to folks in South San Francisco or nearby. I would even Open Source it if there is enough interest, but can't guarantee it's gonna be super quick without some help from interested enthusiasts.

In the future I'm planning to improve math engine and visual part, so it's easier to understand what math is. There are many ideas on how to automate, since coin dispenser and acceptor support all kinds of coins.

I have a quick and a bit outdated video (in Russian) on my Youtube channel here https://www.youtube.com/watch?v=fVyFVhoAe5g


I would wager the majority of the world's population consumes most of their video content on a mobile device.


Wow! As someone learning guitar and music theory this was a great read. The logical breakdown of how you built this tool is very helpful.


>Denied data recovery when it’s possible

This one hits close to home.

I brought in my phone for a warranty exchange when the charging port was damaged. Phone at 7% without the ability to charge, I was told emailing photos to myself was the only option and was prodded to use the cloud storage in the future.

It’s unfortunate I wasn’t in the position to leave without a new phone. Years of photos were lost that day due to this lack of option and my own failure to back up locally.


I’d say - only your own failure to back up locally.

If you don’t do backups, it’s just a matter of time before you lose data one way or another.


No way. If the device got lost or crushed then it's all user fault. But with the device completely intact, just needing to be charged (you could even swap the battery if you actually wanted to help the customer), lack of backups gets much less than half the blame here.


Totally agree with you, this was my own doing. Though I would have been more than willing to pay extra for data recovery if it were an option.


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