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McCroskey

Certifiably Surly
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Everything posted by McCroskey

  1. As said by others, it's a newer technology led by the industry leader Plaid...but certainly other companies like Yodlee (now Equifax) are getting involved and it's rapidly growing in popularity. But like you, most people are still VERY skeptical of it which is completely understandable. At this point, the use-cases are primarily for a faster and more secure manner of sending/receiving money between institutions or businesses compared to the older ACH technology (routing #s and account #s), as well as aiding lenders when it comes to the requirement to verify deposits/income in the process of a loan application...usually mortgages. Credit card companies use the technology to make it easier for cardholders to connect bank accounts and make payments. Venmo or Paypal now use it to quickly link accounts for sending/receiving payments, as opposed to the old way of entering a checking account info...waiting on the two small deposits to occur, then verifying, etc...which could take days. When getting a mortgage, lenders can use it to instantly verify recent deposits made to your account, which can speed up the loan approval and closing process (think Rocket Mortgage). The list of benefits and uses goes on... There's a lot more to this and I'm happy to answer questions.
  2. Very common for card issuers to close dormant accounts (usually at a minimum of 24-36 months of non-activity and assuming your credit is fine), but as stated the policies vary amongst card issuers. BoA may let you stay dormant for 5+ years, while others like Amex or Barclays may close an account after only 24 months.
  3. I really wanna attack this thing, ya know? Sink my teeth into it.
  4. “Is the building on fire?” “No, but it’s gonna need a paint job and a shitload of screen doors.”
  5. Brisket for Christmas dinner, cause Costco $2.99lb sale.
  6. Surprised, Eddie? If I woke up tomorrow with my head sewn to the carpet, I wouldn’t be more surprised than I am right now.
  7. Bend over I’ll show ya!
  8. They nailed you on the 20g's?
  9. You know whose a man? Charlie here, he's a man.
  10. Alright I watched the end of Cleveland and Baltimore. Here we go.
  11. I'm a God fearing man. Can we get a muffed punt and a Bama recovery for a touchdown?
  12. Only reason Florida went for that was because I had a shit ton of bets on Bama at -6.5. Cunts.
  13. Let's do this. I'm in.
  14. As much as you know how a season works.
  15. Time for the 2021 Season thread. Whose authorized to start these things?
  16. Didn't see Raiders running away with it...and thought Chargers would keep it close. Figured the final score would be between 47-55. The final at 57 was shitty but that's ok, it was a profitable night.
  17. All good...most money was on Chargers +5.5 and Over 45.5, so I won that one. The other two were just icing on the cake.
  18. I want the goal line stand of all goal line stands right here from the Raiders.
  19. What a stupid fucking penalty.
  20. One of my bets is SD +3.5 and Under 51.5. Let's see a 4 and out right here, Herbert.
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