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PaperclipPerfector  3d ago (text post)   1433 thread views

Friday Fun Thread for December 5, 2025

Be advised: this thread is not for serious in-depth discussion of weighty topics (we have a link for that), this thread is not for anything Culture War related. This thread is for Fun. You got jokes? Share 'em. You got silly questions? Ask 'em.

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which is like $800 for the American Express card now

Amex gold is $325, Amex Platinum is $825. There are way more expensive ones. I regularly get mailers where they confuse me with somebody who would pay such amount of money for a card. And tbh, if I were twice as rich and led a completely different lifestyle, this kind of annual fees make sense - the value of the benefits, if bought at retail, and if I would actually use them, usually several times over the annual fee. It's just I wouldn't even need it. Though I do have a couple of $95 cards, because I do get over $100 value per year out of them. But this is completely different model - that's just prepaying stuff in bulk.

but having that because your business is lending to them is, as you say, less valuable.

Well, it's a different business, of course, but there is a whole industry built on exploiting people with bad habits and bad credit. Payday loans, subprime loans, title loans, all that crap. This is just the same business, but 2.0 with cellphones and algorithms.

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