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 1256475 times)

Online Yo ssi

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Re: PSA: Don't swipe recklessly for others
« Reply #5340 on: January 07, 2024, 09:25:41 AM »
Just as a small example, a couple weeks ago (dead now) I made $2400 from a shopping portal referral "glitch"; I didn't see it discussed on any frum resource.
What platform can it be on?
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PSA: Don't swipe recklessly for others
« Reply #5341 on: January 07, 2024, 09:33:27 AM »
What platform can it be on?
I don't like WhatsApp for this because of the inability to have different topics/channels.
Slack is nice, but limited to 90 day history (free tier) which will be frustrating.
Discord is probably too "advanced" for the average frum user.
Telegram is banned by most filters (same probably for discord).

Would likely need to be some sort of custom site. Also would need gatekeeping (small monthly fee?) to ensure there aren't freeloaders/spooneaters/RATs/etc

ETA: certainly open to suggestions; not that I plan on doing anything about this, I'm lazy lol
« Last Edit: January 07, 2024, 10:10:13 AM by Euclid »

Online Yo ssi

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Re: PSA: Don't swipe recklessly for others
« Reply #5342 on: January 07, 2024, 10:11:21 AM »
I don't like WhatsApp for this because of the inability to have different topics/channels.
Slack is nice, but limited to 90 day history (free tier) which will be frustrating.
Discord is probably too "advanced" for the average frum user.
Telegram is banned by most filters (same probably for discord).

Would likely need to be some sort of custom site. Also would need gatekeeping (small monthly fee?) to ensure there aren't freeloaders/spooneaters/RATs/etc

ETA: certainly open to suggestions; not that I plan on doing anything about this, I'm lazy lol
Perhaps start with discord
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Re: PSA: Don't swipe recklessly for others
« Reply #5343 on: January 07, 2024, 10:19:12 AM »
I don't like WhatsApp for this because of the inability to have different topics/channels.
Slack is nice, but limited to 90 day history (free tier) which will be frustrating.
Discord is probably too "advanced" for the average frum user.
Telegram is banned by most filters (same probably for discord).

Would likely need to be some sort of custom site. Also would need gatekeeping (small monthly fee?) to ensure there aren't freeloaders/spooneaters/RATs/etc

ETA: certainly open to suggestions; not that I plan on doing anything about this, I'm lazy lol
Just a thought, and there might be a thousand reasons against this, but would management of DDF be open to a members only, paid, ID verification required advanced version of DDF? Would be able to use this platform, and DD can profit off of the monthly fees.

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Re: PSA: Don't swipe recklessly for others
« Reply #5344 on: January 07, 2024, 11:31:07 AM »
Just a thought, and there might be a thousand reasons against this, but would management of DDF be open to a members only, paid, ID verification required advanced version of DDF? Would be able to use this platform, and DD can profit off of the monthly fees.

You think a $3 membership fee is going to keep out one idiot that will leak the deals and kill the golden goose for everyone?

To say it differently, if I have an opportunity that can net me $2400, it makes no sense to share it with a large group to get my $3/month membership from them, and risk my $2400 opportunity being compromised.

IMHO this can only work with a close knit small group of likeminded individuals, and I’m sure it already exists.
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PSA: Don't swipe recklessly for others
« Reply #5345 on: January 07, 2024, 11:41:12 AM »
You think a $3 membership fee is going to keep out one idiot that will leak the deals and kill the golden goose for everyone?

To say it differently, if I have an opportunity that can net me $2400, it makes no sense to share it with a large group to get my $3/month membership from them, and risk my $2400 opportunity being compromised.


It definitely can work and does, plenty of these groups exist. You obviously aren't going to be spoonfed unicorn plays, but there is plenty of stuff that isn't discussed publicly but can be discussed with a curated group of a couple hundred people.
Quote
IMHO this can only work with a close knit small group of likeminded individuals, and I’m sure it already exists.
I find with this game that many people "graduate" (or get burnt out), and these small groups tend to die out. Having a larger group helps with this.

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Re: PSA: Don't swipe recklessly for others
« Reply #5346 on: January 07, 2024, 11:51:31 AM »
and I’m sure it already exists.
someone please add me lolz. I’m trustworthy!

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Re: PSA: Don't swipe recklessly for others
« Reply #5347 on: January 07, 2024, 11:54:16 AM »
Just a thought, and there might be a thousand reasons against this, but would management of DDF be open to a members only, , ID verification required advanced version of DDF?
it already exists.
I find with this game that many people "graduate" (or get burnt out), and these small groups tend to die out. Having a larger group helps with this.

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PSA: Don't swipe recklessly for others
« Reply #5348 on: January 07, 2024, 11:57:00 AM »

Yup. There are a few small (that I know of) DDF veteran chats, but like I said they've died out (or conversation topics have changed) over the years as people have graduated/burned out

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Re: PSA: Don't swipe recklessly for others
« Reply #5349 on: January 07, 2024, 01:38:41 PM »
Whenever a family member or friend asks me about signing up for credit cards ("what's the *best* credit card to sign up for?"), I always find them the best offer even if I don't get a referral bonus. I feel it's slightly immoral to benefit off their ignorance. Though there are plenty of blogs and websites that make a living from this (iykyk) and post SUBs that aren't near the best that can be had.
"Best publicly available offer ever"
Common sense is not a gift, it is a punishment.
Because you have to deal with everyone who doesn't have it.

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Re: PSA: Don't swipe recklessly for others
« Reply #5350 on: January 07, 2024, 01:41:49 PM »
Yup. There are a few small (that I know of) DDF veteran chats, but like I said they've died out (or conversation topics have changed) over the years as people have graduated/burned out

I wasn’t referring to DDF-sourced cliques.
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Re: PSA: Don't swipe recklessly for others
« Reply #5351 on: January 07, 2024, 02:16:13 PM »
I wasn’t referring to DDF-sourced cliques.
”there’s no catch” what about that I need to trust you to pay off the card?

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Re: PSA: Don't swipe recklessly for others
« Reply #5352 on: January 07, 2024, 02:23:27 PM »
”there’s no catch” what about that I need to trust you to pay off the card?
They aren't offering to do the spend, only to help open the card (and profiting off this wonderful volunteer work).

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Re: PSA: Don't swipe recklessly for others
« Reply #5353 on: January 07, 2024, 02:31:29 PM »
They aren't offering to do the spend, only to help open the card (and profiting off this wonderful volunteer work).
oh. So it’s not really “swiping recklessly for others”Are they buying the points? Or is that the simple value of them?

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Re: PSA: Don't swipe recklessly for others
« Reply #5354 on: January 07, 2024, 02:39:09 PM »
They aren't offering to do the spend, only to help open the card (and profiting off this wonderful volunteer work).
maybe leading people towards the 'swiping recklessly' path
Workflowy. You won't know what you're missing until you try it.

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Re: PSA: Don't swipe recklessly for others
« Reply #5355 on: January 07, 2024, 10:50:01 PM »
I personally know the people behind this. There are actually two separate people competing. The one I know better is pretty new to the credit card game (I actually referred him to his first credit card) and began recently with just maximizing his personal referrals, not a regular affiliate program.

They are getting a LOT of sign ups. It’s not a classic case of fraud as in they aren’t stealing from you in any capacity and they actually are helping many who are completely ignorant of credit cards without access to the internet who can gain from this but it’s highly misleading and I think the Toeles Horabim language etc. is wrong (was originally done as a joke). I hope they do spend a few minutes telling you what can go wrong.

Let’s be honest, many of us have done this in some small scale. I earn on plenty of referrals every year, I can name at least a dozen people who I’ve recruited to the game. I am honest with my network but not surprised people omit information when trying to refer people.

As far as I can tell neither of them are fraudsters or inherently dishonest people. Hope they stay that way.
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Re: PSA: Don't swipe recklessly for others
« Reply #5356 on: January 07, 2024, 10:56:20 PM »
It's fitting, 'Gemach' Chasdei Yosef started with this "cultural appropriation", and a non-zero amount of these referees will likely end up there

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Re: PSA: Don't swipe recklessly for others
« Reply #5357 on: January 07, 2024, 11:02:51 PM »
I am honest with my network
How do you sell this to people: "if you use my link you'll earn $1500, but there's another link out there which you'll earn $1800"?

Guess that's why you're in sales, and I'm not ;)

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Re: PSA: Don't swipe recklessly for others
« Reply #5358 on: January 07, 2024, 11:19:48 PM »
How do you sell this to people: "if you use my link you'll earn $1500, but there's another link out there which you'll earn $1800"?

Guess that's why you're in sales, and I'm not ;)
I don’t. The Ink cards are a perfect example of the same offer through my link and elsewhere.
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Re: PSA: Don't swipe recklessly for others
« Reply #5359 on: January 07, 2024, 11:28:00 PM »
[...]
Toeles Horabim language [...] (was originally done as a joke).
[...]

That's not how jokes work.
"Any word can mean anything! By giving words new meanings, ordinary English can become an exclusionary code!" -Cal.&Hob.