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PaperclipPerfector  12d ago (text post)   2073 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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from a card issuer's perspective, you don't want to be making money off your problem customers

If you are Home Depot, sure, that's not why you are issuing a card. If you are a fintech startup staffed by people who did exploitative extraction of financial advantages their whole career, why wouldn't you want it. Ideal Home Depot customer and ideal trashy gambling card customer are not the same person.

and then eventually either consolidate or default out of your portfolio.

Yes, the trick here is to extract more value than the difference between his debt ab initio and his debt sold to collectors is. However, I'm sure they think they can do it. And given as, again, the whole industry catering to bad-credit people exists, it's not impossible. It's not a nice business, for sure, but life finds a way.

Do you want to get a banking license? Because, if you don't want to partner with an existing bank, you need a banking license, and to get that you essentially need to buy a bank.

I haven't worked in fintech, so I don't know how, but this problem is for sure solvable - there are tons of credit cards around, and also tons of gambling outlets, including online. Somehow they find a way. You don't need all the bank license holders, you just need one.

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