Topic Wiki

https://www.dansdeals.com/more/dans-commentary/dark-side-earning-credit-card-points-psa-dont-swipe-others/

https://www.mixcloud.com/zev-brenner/talkline-with-zev-brenner-on-credit-card-scams-affecting-the-orthodox-jewish-community/

http://podcast.headlinesbook.com/e/31616-credit-card-miles-and-points-swiping-for-rewards-buying-and-selling-miles-is-it-assur-and-a-chillul-hashem-or-a-great-way-for-a-side-parnassah/



BEFORE SWIPING FOR SOMEONE READ THIS: (first hand story)

https://forums.dansdeals.com/index.php?topic=36812.msg2062371#msg2062371
https://www.dansdeals.com/more/dans-commentary/dark-side-earning-credit-card-points-psa-dont-swipe-others/#comment-1399884


Dan's warning to DDF:
I hope people realize that any buying group or anyone else that gets merchandise in advance of payment can go south at any time. That's even if you get a check at the time of delivery.
X-posting as I don't want anyone to say that I never put a warning here.

A story that ended up in court - https://iapps.courts.state.ny.us/nyscef/DocumentList?docketId=iRcRHuyZUdOIx69D00a5XQ==&display=all&courtType=Kings%20County%20Supreme%20Court&resultsPageNum=1


I am one of the biggest buyers for buying groups, I have done millions in transactions and have sent to every group there is over the past 3 years. Most buying groups are okay, some scan in slower than others, some pay slower than others - most will lose a few packages over the year. You can research and find which are better for you.

However there is a bigger problem now with Amazon itself.  Amazon in the past has been great with any problems always ready with a refund for lost packages even if it was thousands of dollars. Lately Amazon has clamped down and has tagged these buying groups addresses  in their systems as "freight forwarder" and now no longer will fix any problem you have whatsoever. Doesn't matter what the problem is, even if it shows the package was never delivered, amazon will not help you in any way. Their copy and paste response will always be "this item was sent to a freight forwarder and we're unable to replace or refund the item. We recommend contacting your freight forwarder for more details, as we don't have any more insight or information regarding this matter, For more information about sending items via freight forwarders, please visit our Help Pages: https://www.amazon.com/gp/help/customer/display.html?nodeId=201117950." As well the amazon drivers either must know this or have been increasingly bad at delivering packages because the numbers of packages missing has gone up astronomically. Previously you would have very few packages missing, now the past 3 months I have had 59 "lost" packages. I now have over $15,000 of loses and some guy in Delaware is probably living the life with all the stuff he stole from me. I will survive, I have made a lot more than $15,000 over the years however just a warning to others here that things are not as they used to be and it really is no longer worth doing buring groups with all the loses piling up

« Last edited by Yo ssi on July 24, 2023, 06:47:26 PM »

Author Topic: PSA: Don't swipe recklessly for others  (Read 1249911 times)

Offline WonderingYid

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2021
  • Posts: 1561
  • Total likes: 299
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: New York
Re: PSA: Don't swipe recklessly for others
« Reply #5440 on: January 20, 2024, 09:26:26 PM »
Tell him to apply for a new ink and move the existing credit line to the new card and start the 12 months again.
(I know I over simplified it. Pm for more info)
Perhaps he is just burying himself further.

Offline chbochur

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: May 2015
  • Posts: 826
  • Total likes: 126
  • DansDeals.com Hat Tips 0
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #5441 on: January 20, 2024, 10:02:59 PM »
Perhaps he is just burying himself further.
He probably is. But that realization has to come from him or he won't get any advice and will end up burying himself plus the interest

Offline etech0

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 13000
  • Total likes: 3475
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
Re: PSA: Don't swipe recklessly for others
« Reply #5442 on: January 20, 2024, 10:05:06 PM »
question is if the additional year will be the time to dig out of this, or just kicking the can down the road
Workflowy. You won't know what you're missing until you try it.

Offline WonderingYid

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2021
  • Posts: 1561
  • Total likes: 299
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: New York
Re: PSA: Don't swipe recklessly for others
« Reply #5443 on: January 20, 2024, 10:22:56 PM »
question is if the additional year will be the time to dig out of this, or just kicking the can down the road
Correct 100%

Offline DaasTora

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2022
  • Posts: 361
  • Total likes: 130
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: Brooklyn
Re: PSA: Don't swipe recklessly for others
« Reply #5444 on: January 20, 2024, 11:36:50 PM »
question is if the additional year will be the time to dig out of this, or just kicking the can down the road
It might give him some time to figure stuff out though.

Online TzviR

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Sep 2020
  • Posts: 753
  • Total likes: 730
  • DansDeals.com Hat Tips 3
    • View Profile
    • [b]Learn to play for a kumzits in 5 weeks!
  • Location: Fl
Re: PSA: Don't swipe recklessly for others
« Reply #5445 on: January 21, 2024, 12:04:15 AM »
It might give him some time to figure stuff out though.
might

My  prizes from CV :)

Offline chevron

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 2573
  • Total likes: 546
  • DansDeals.com Hat Tips 2
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #5446 on: January 21, 2024, 02:04:42 AM »
It's impossible to stay ahead of credit card interest

25% of 10k cc is 2500 a year, but since it's incured monthly you're basically $2700?

It's sad that literally the whole frum world has become luxury obsessed

And the debt is overwhelming.

For me, once free of cc debt I practice what I later learned is charlie munger advice "spend less than you earn"

You know, Somebody once asked Einstein about the greatest thing in the universe and he said "compound interest "

Imagine instead of 2500 to cc interest you added 2500 to 10k savings at 5% that's 13,125

Next year another 2500 +5% 16,406

By year 3 that's 19,851


Offline chevron

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 2573
  • Total likes: 546
  • DansDeals.com Hat Tips 2
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #5447 on: January 21, 2024, 02:29:05 AM »
Year 4 23,469
Year 5 27,267
Year 6 31,255
Year 7 35,443
Year 8 39,840
Year 9 44,458
Year 10 49,305

 Year 15 77,433
 Year 20 113,331
Year 30 217,621


Think it over, is that fancy restaurant worth it

Offline TheAsh

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Feb 2017
  • Posts: 277
  • Total likes: 209
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: Israel
Re: PSA: Don't swipe recklessly for others
« Reply #5448 on: January 22, 2024, 11:42:35 AM »
https://www.toelesharabim.com/

I have to say  that his website does a better job at warning people than Dan's does. Perhaps there is a slight toeles harabim of him doing it over others.

EDIT: THEY ADDED THE WARNING AFTER THE OFFER ENDED. WHAT LIARS.
« Last Edit: January 22, 2024, 02:15:14 PM by TheAsh »
Check out @JewishAlternativeMusic2 on Telegram.

Offline WonderingYid

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2021
  • Posts: 1561
  • Total likes: 299
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: New York
Re: PSA: Don't swipe recklessly for others
« Reply #5449 on: January 22, 2024, 11:48:41 AM »
https://www.toelesharabim.com/

I have to say  that his website does a better job at warning people than Dan's does. Perhaps there is a slight toeles harabim of him doing it over others.
They added that warning after the offer ended.


Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4148
  • Total likes: 1034
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: PSA: Don't swipe recklessly for others
« Reply #5450 on: January 22, 2024, 12:12:18 PM »
They added that warning after the offer ended.
such sly people. i guess the same type of person that calls it L'toeles harabim can go ahead and put the warning out after the offer is over...

Offline TheAsh

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Feb 2017
  • Posts: 277
  • Total likes: 209
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: Israel
Re: PSA: Don't swipe recklessly for others
« Reply #5451 on: January 22, 2024, 01:28:41 PM »
They added that warning after the offer ended.

WHAT!?

Such liars.
Check out @JewishAlternativeMusic2 on Telegram.

Offline USam

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2017
  • Posts: 159
  • Total likes: 78
  • DansDeals.com Hat Tips 13
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #5452 on: January 22, 2024, 10:40:45 PM »
https://www.toelesharabim.com/

I have to say  that his website does a better job at warning people than Dan's does. Perhaps there is a slight toeles harabim of him doing it over others.

EDIT: THEY ADDED THE WARNING AFTER THE OFFER ENDED. WHAT LIARS.

The toeles harabim is on the "free" $1950 for spending that you anyway do. It's not for the warning.

Offline Young explorer

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Sep 2020
  • Posts: 352
  • Total likes: 75
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Lakewood
Re: PSA: Don't swipe recklessly for others
« Reply #5453 on: January 24, 2024, 09:03:22 AM »

Now that the ink offer is done, someone came up with a new Toeles harabim...
I'm thinking you can take him to beis din since he's upcharging more then a shtus, you can buy it here for $20+/-

Offline lcm

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jul 2019
  • Posts: 1688
  • Total likes: 663
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: 5th paragraph of https://www.dansdeals.com/sms/
Re: PSA: Don't swipe recklessly for others
« Reply #5454 on: January 24, 2024, 09:12:31 AM »

Now that the ink offer is done, someone came up with a new Toeles harabim...
I'm thinking you can take him to beis din since he's upcharging more then a shtus, you can buy it here for $20+/-
Where do you think the discount is being sourced from?

Online Abebee

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Nov 2015
  • Posts: 6402
  • Total likes: 598
  • DansDeals.com Hat Tips 735
  • Gender: Male
    • View Profile
  • Location: New York
  • Programs: National EE
Re: PSA: Don't swipe recklessly for others
« Reply #5455 on: January 24, 2024, 11:26:30 AM »
Now that the ink offer is done, someone came up with a new Toeles harabim...
I'm thinking you can take him to beis din since he's upcharging more then a shtus, you can buy it here for $20+/-
I don't think its the right thread. I personally don't see anything wrong with this. When i help friends and family with Global entry/TSA precheck they are shocked to hear its only $15-$20. I can easily make a couple of bucks charging people $50 - or even $100 just by helping then sign up, explaining them the benefits and walking them through the signup process. For most of us on the forums this is second nature to us and why would you pay $75 for clear. For people that dont hang out here, its a bargain. (my 2 cents)
« Last Edit: January 24, 2024, 12:05:27 PM by Abebee »

Online TzviR

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Sep 2020
  • Posts: 753
  • Total likes: 730
  • DansDeals.com Hat Tips 3
    • View Profile
    • [b]Learn to play for a kumzits in 5 weeks!
  • Location: Fl
Re: PSA: Don't swipe recklessly for others
« Reply #5456 on: January 24, 2024, 12:00:30 PM »
I don't think its the right thread. I personally don't see anything wrong with this. When i help friends and family with Global entry/TSA precheck they are shocked to hear its only $15-$20. I can easily a couple of bucks charging people $50 - or even $100 just by helping then sign up, explaining them the benefits and walking them through the signup process. For most of us on the forums this is second nature to us and why would you pay $75 for clear. For people that dont hang out here, its a bargain. (my 2 cents)
+1 This is a great deal for most people!

My  prizes from CV :)

Offline herb

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2018
  • Posts: 1776
  • Total likes: 379
  • DansDeals.com Hat Tips 2
  • Gender: Male
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #5457 on: January 24, 2024, 12:38:43 PM »
+1 This is a great deal for most people!
Unfortunately many people in many industries take advantage of others ignorance. I know personally someone who books many chasanim and young couples hotels and flights in which he buys points/free nights/credits and charges them much more plus extra for status which nobody here pays for. There are many other examples. This clear deal is just another. I don't necessarily know if there is something wrong with this, at the end of the day both people are happy and got a good deal, and it's for sure not in the same category as the cc toeles harabim guy

Online Euclid

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2010
  • Posts: 5085
  • Total likes: 6256
  • DansDeals.com Hat Tips 5
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #5458 on: January 24, 2024, 12:52:02 PM »
Unfortunately many people in many industries take advantage of others ignorance. I know personally someone who books many chasanim and young couples hotels and flights in which he buys points/free nights/credits and charges them much more plus extra for status which nobody here pays for. There are many other examples. This clear deal is just another. I don't necessarily know if there is something wrong with this, at the end of the day both people are happy and got a good deal, and it's for sure not in the same category as the cc toeles harabim guy
Guess it's no different than any middle man. You're paying for their network and their access

Offline MiInvstr

  • Dansdeals Silver Elite
  • **
  • Join Date: Oct 2023
  • Posts: 74
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Lakewood
Re: PSA: Don't swipe recklessly for others
« Reply #5459 on: January 24, 2024, 12:54:47 PM »
Guess it's no different than any middle man. You're paying for their network and their access
Exactly. If anyone wants to spend hours and days getting it all down pat they can go right ahead. Itís not just about coming onto ddf for 4 minutes and getting clear for $20. Itís spending days worth of time here and then being able to do it seamlessly. Or you can just call that guy and give him $75 for it.