Posts by Kevin Lee7

https://www.chime.com/en-US/referral...imi21y2!G10D21
$17 + $3.25 from me — plus free card shipping, I suppose

You'll find $3.25 from me
in my signature.

Here’s my version—it's in my signature

Michelle Davis15 said:It’s all just cosmetic fluff. There is nothing revolutionary or fundamentally better here. Lowering fees isn't a revolution; a major bank like Chase will do that eventually if they're forced to. And freezing your card? Please, how is that groundbreaking? 🙂

Also, the idea of getting a "better" exchange rate is just misinformation. The interbank mid-market rate is the same for everyone on the planet. The only difference is that Chime offers a better deal because they take a smaller cut, whereas a big bank won't offer it because they don't have to yet. It's not a revolution; it's just slightly cheaper. Once they actually face real competition, those big banks will roll out the exact same features within a month.

On the flip side, a massive bank can afford to be cheap because they have huge volume. Chime can't really compete there because their transaction volume is tiny by comparison. They have to make a living too, and that comes from those fees.

Look, even though I’m a fan of the whole digital banking concept, this gets zero points from me. If they offered just two things—instant payments to any account worldwide and ATM withdrawals at any Mastercard or Visa machine—I’d jump into that headfirst. But as things stand, it looks like all these fintech startups are going to get absolutely crushed by Facebook with their Libra project once they start offering those services. That’s why people were up in arms against it, and why the fintechs are letting them play; they aren't seen as a threat. You have a Facebook account, you have a digital bank. As simple as that.

What's more, Facebook could completely eliminate transaction fees and just charge a monthly subscription. A billion users times $5 a month equals $60 billion a year. Now that's impressive.

You ask what they offer, and then you defend it by saying banks *could* offer the same thing—but clearly, they don't. A BMW could sell a car for the price of a Ford, but they won't.

Crashes seem to be pretty frequent lately... I suppose these companies are still just getting their footing—let's give them some breathing room, especially since they're offering the service for free anyway.

frozengull94 said:The real issue here is that we’re living in the middle of nowhere...
It’s like they treat us as some backwater outpost on the edge of the map, way over the ocean. It doesn't even matter that we're part of the Western alliance or whatever...
Plus, our market is just too small for anything significant to actually take root...

I mean, honestly, when you realize half the people in this country barely even touch the internet, let alone...
😁

A few of you guys are certainly being some very enthusiastic brand ambassadors for this company...
I assume the kickbacks make it worth your while...

I did it for a couple of beers, really... but since it actually helped me, I figured why not share it with others... I paid for my own card delivery and didn't even use a referral code$17... so why shouldn't I offer it up to everyone else?

We live in the kind of country we live in... but at least the internet gives us access to all sorts of tech

@Michelle Davis15
-it's free
-best exchange rates and basically the only way to get certain currencies easily
-fee-free withdrawals up to $250 (for instance, if someone comes from Mexico with Pesos into an account with $150, a major bank like Chase might charge them $30 in fees, whereas Revolut keeps the loss to maybe $10-$20)
-live tracking and the ability to auto-buy any supported currency
-virtual card option for online shopping... you can just delete it afterward so you don't have to worry about whether a site is legit
-setting card limits... you set a max spend of $10 and don't have to stress about someone overcharging you
-ability to freeze the card if it gets lost
-geolocation security features
-free PIN changes

But sure... go ahead and ignore all those advantages

frozengull94 said:Also, I’m just sitting here waiting on everything from Chime...
To me, they feel way more secure than Revolut..

Maybe I’ve got it all wrong..

I should probably add, those people pushing $17 just seem like... I don't know, window dressing. Purely superficial..
Hell $17 if it's actually a legitimate company. Look, I want a real professional relationship, not some platform designed for buying $2 junk online or splitting a bill between girlfriends on a Saturday afternoon when they're heading out to some birthday party..

I wouldn't go that far... people are naturally skeptical of new tech... these $17 things are just pure advertising, much like what you see from Chime, Chime, Curve, and everyone else... someone pays for ads, and then certain people just become walking advertisements.
I personally haven't had a single issue, even after moving significant amounts through them.

Look... even the big banks aren't 100% foolproof... I suppose you just use some sort of combination until something better comes along...
Chime seems to be expanding rather slowly for some reason...

Ashley Reed98 said:Thanks.

I probably won't be picking up those CVS brands—did a little digging online and some people claim they're actually pretty terrible.

So, the whey 👍

Just so you know, whey protein isn't strictly necessary right after a workout.
Recent studies suggest that meal timing affects body composition by maybe no more than ~2%—it's mostly just about hitting your micros and macros (proteins, fats, etc.). Total caloric intake matters too, even if not every calorie is created equal—though I guess it’s not 100% proven that there's no difference, but it seems logical that a small gap exists.🙂