Conquer Club

Posted: **Sun Jun 09, 2019 3:38 pm**

I'm no fan of Bernie Sanders but 27% interest rate is stealing. And those cards should be limited to max 10% or to be even more fair Federal Reserve interest rate + 5%. Everything beyond those numbers should not be permitted.

I did look up the article and the and video. The article says "What this means is that if you buy a $500 refrigerator from Lowe’s or Home Depot on one of their credit cards, you will likely owe an additional $136 in interest.". This is partially false because a customer has option to chose the pace of returning the money(or this is dictated by bank's policy), so giving a specific number for interest amount is misleading.

However the man from the video is telling a HUGE LIE. He says "Bernie claims that on a 500 dollar purchase with an APR of 27% you will pay 136 dollars in interest but in reality you will pay 76 which amounts of 15%". The lie here is his 15% figure. Who he is telling a lie? Because every month a customer is paying 27% no matter what he will do, the only difference is the different values for the balance.

Bernie, although you throw misleading information I'm with you in this one. I wish you success with the proposal

P.S. Couple years ago I was working in a bank(software development) so I have first hands insights on the amounts earned, and unfortunately they are not fair.

Posted: **Sun Jun 09, 2019 5:03 pm**

GoranZ wrote:However the man from the video is telling a HUGE LIE. He says "Bernie claims that on a 500 dollar purchase with an APR of 27% you will pay 136 dollars in interest but in reality you will pay 76 which amounts of 15%". The lie here is his 15% figure. Who he is telling a lie? Because every month a customer is paying 27% no matter what he will do, the only difference is the different values for the balance.

the guy in the video did not say the customer WOULD BE PAYING a 15% APR interest rate. what he said ( and what you even directly quoted him as saying ) is--> "but in reality you will pay $76 WHICH AMOUNTS TO 15% "

$500 + 15% = $576.
the guy in the video clearly breaks this down and shows how paying 27% APR monthly on a $500 purchase over 12 months comes out to the customer paying $76 in interest. ( WHICH AMOUNTS TOO 15% of $500..) not $136, like Bernie claimed it would be..

I MEAN, YOU CLAIM TO BE A FORMER BANKER. HOW DO YOU NOT KNOW THIS FIGURE IMMEDIATELY RIGHT OFF THE BACK OF YOUR HAND WITH YOUR EYES CLOSED WHILE PLAYING MINECRAFT IN THE DARK...?

so claiming what the guy in the video is saying is a 'HUGE LIE" is a 1000% False Narrative.

but maybe now we understand why your not working in the bank anymore..

Posted: **Sun Jun 09, 2019 5:49 pm**

NomadPatriot wrote:
GoranZ wrote:However the man from the video is telling a HUGE LIE. He says "Bernie claims that on a 500 dollar purchase with an APR of 27% you will pay 136 dollars in interest but in reality you will pay 76 which amounts of 15%". The lie here is his 15% figure. Who he is telling a lie? Because every month a customer is paying 27% no matter what he will do, the only difference is the different values for the balance.

the guy in the video did not say the customer WOULD BE PAYING a 15% APR interest rate. what he said ( and what you even directly quoted him as saying ) is--> "but in reality you will pay $76 WHICH AMOUNTS TO 15% "

$500 + 15% = $576.
the guy in the video clearly breaks this down and shows how paying 27% APR monthly on a $500 purchase over 12 months comes out to the customer paying $76 in interest. ( WHICH AMOUNTS TOO 15% of $500..) not $136, like Bernie claimed it would be..

I MEAN, YOU CLAIM TO BE A FORMER BANKER. HOW DO YOU NOT KNOW THIS FIGURE IMMEDIATELY RIGHT OFF THE BACK OF YOUR HAND WITH YOUR EYES CLOSED WHILE PLAYING MINECRAFT IN THE DARK...?

so claiming what the guy in the video is saying is a 'HUGE LIE" is a 1000% False Narrative.

but maybe now we understand why your not working in the bank anymore..

Read this again... Every month a customer is paying 27% no matter what he will do, the only difference is the different values for the balance.

Lets take the analyze the numbers from the video:
End of Month 1: Remaining Balance 463.24, Interest Paid 11.25 -> 11.25/500.00*12*100=27%
End of Month 2: Remaining Balance 425.66, Interest Paid 10.42 -> 10.42/463.24*12*100=26.99%
End of Month 3: Remaining Balance 387.22, Interest Paid 09.58 -> 09.58/425.66*12*100=27.01%
etc, etc... you can do the remaining of the math on your own

Conclusion: Every month a customer is paying 27% interest rate!

Posted: **Sun Jun 09, 2019 7:01 pm**

GoranZ wrote:Read this again... Every month a customer is paying 27% no matter what he will do, the only difference is the different values for the balance.Lets take the analyze the numbers from the video:End of Month 1: Remaining Balance 463.24, Interest Paid 11.25 -> 11.25/500.00*12*100=27%End of Month 2: Remaining Balance 425.66, Interest Paid 10.42 -> 10.42/463.24*12*100=26.99%End of Month 3: Remaining Balance 387.22, Interest Paid 09.58 -> 09.58/425.66*12*100=27.01%etc, etc... you can do the remaining of the math on your own Conclusion: Every month a customer is paying 27% interest rate!

NO ONE IS ARGUING AGAINIST THIS GENIUS. THE GUY IN THE VIDEO & MYSLEF BOTH HAVE STATED EXACTLY WHAT YOU ARE REPEATING..

WHAT IS BEING POINTED OUT IS THE FINAL AMOUNT OF INTEREST MONEY TO BE PAID ON THE $500 BALANCE.

AT 27% INTEREST . THE FINAL AMOUNT OF MONEY THE CUSTOMER WILL PAY IN INTEREST FEES AFTER 12 MONTHS WOULD BE $76..

$76 IS 15% OF $500...

YOU JUST KEEP WANTING TO REINFORCE BERNIES NOTION THAT AFTER 12 MONTHS OF PAYING 27% INTEREST MONTHLY ON $500 THAT THE CUSTOMER WOULD END UP PAYING $136 IN MONEY VIA INTEREST ON THE $500..

WHICH IS NOT TRUE.

I AM NOT SURE IF YOU ARE JUST COMPLETELY BLIND, INTENTIONALLY TRYING TO BE ANNOYING OR JUST PLAIN STUPID.

Posted: **Sun Jun 09, 2019 8:58 pm**

NomadPatriot wrote:
GoranZ wrote:Read this again... Every month a customer is paying 27% no matter what he will do, the only difference is the different values for the balance.Lets take the analyze the numbers from the video:End of Month 1: Remaining Balance 463.24, Interest Paid 11.25 -> 11.25/500.00*12*100=27%End of Month 2: Remaining Balance 425.66, Interest Paid 10.42 -> 10.42/463.24*12*100=26.99%End of Month 3: Remaining Balance 387.22, Interest Paid 09.58 -> 09.58/425.66*12*100=27.01%etc, etc... you can do the remaining of the math on your own Conclusion: Every month a customer is paying 27% interest rate!

NO ONE IS ARGUING AGAINIST THIS GENIUS. THE GUY IN THE VIDEO & MYSLEF BOTH HAVE STATED EXACTLY WHAT YOU ARE REPEATING..

WHAT IS BEING POINTED OUT IS THE FINAL AMOUNT OF INTEREST MONEY TO BE PAID ON THE $500 BALANCE.

AT 27% INTEREST . THE FINAL AMOUNT OF MONEY THE CUSTOMER WILL PAY IN INTEREST FEES AFTER 12 MONTHS WOULD BE $76..

$76 IS 15% OF $500...

YOU JUST KEEP WANTING TO REINFORCE BERNIES NOTION THAT AFTER 12 MONTHS OF PAYING 27% INTEREST MONTHLY ON $500 THAT THE CUSTOMER WOULD END UP PAYING $136 IN MONEY VIA INTEREST ON THE $500..

WHICH IS NOT TRUE.

I AM NOT SURE IF YOU ARE JUST COMPLETELY BLIND, INTENTIONALLY TRYING TO BE ANNOYING OR JUST PLAIN STUPID.

Nomad.....you should just stay away from anything that has to do with numbers concerning APR or ADR.

Now stick to doing what you do best....acting like a fustrated teenager and throwing a ridiculous temper tantrum.

Just wondering if you ever get laid?

Posted: **Sun Jun 09, 2019 9:31 pm**

Bernie Sanders wrote:acting like a fustrated teenager and throwing a ridiculous temper tantrum. Just wondering if you ever get laid?

so.. you are thinking about me being a teenager and wanting to know if I am sexually active..?

Bernie. your Pedo-side is coming out. .

time to bleach your keyboard..

Posted: **Sun Jun 09, 2019 9:33 pm**

NomadPatriot wrote:
GoranZ wrote:Read this again... Every month a customer is paying 27% no matter what he will do, the only difference is the different values for the balance.Lets take the analyze the numbers from the video:End of Month 1: Remaining Balance 463.24, Interest Paid 11.25 -> 11.25/500.00*12*100=27%End of Month 2: Remaining Balance 425.66, Interest Paid 10.42 -> 10.42/463.24*12*100=26.99%End of Month 3: Remaining Balance 387.22, Interest Paid 09.58 -> 09.58/425.66*12*100=27.01%etc, etc... you can do the remaining of the math on your own Conclusion: Every month a customer is paying 27% interest rate!

NO ONE IS ARGUING AGAINIST THIS GENIUS. THE GUY IN THE VIDEO & MYSLEF BOTH HAVE STATED EXACTLY WHAT YOU ARE REPEATING..

WHAT IS BEING POINTED OUT IS THE FINAL AMOUNT OF INTEREST MONEY TO BE PAID ON THE $500 BALANCE.

AT 27% INTEREST . THE FINAL AMOUNT OF MONEY THE CUSTOMER WILL PAY IN INTEREST FEES AFTER 12 MONTHS WOULD BE $76..

$76 IS 15% OF $500...

YOU JUST KEEP WANTING TO REINFORCE BERNIES NOTION THAT AFTER 12 MONTHS OF PAYING 27% INTEREST MONTHLY ON $500 THAT THE CUSTOMER WOULD END UP PAYING $136 IN MONEY VIA INTEREST ON THE $500..

WHICH IS NOT TRUE.

I AM NOT SURE IF YOU ARE JUST COMPLETELY BLIND, INTENTIONALLY TRYING TO BE ANNOYING OR JUST PLAIN STUPID.

Did Bernie say anywhere that they would pay $136 over 12 months? No he didn't, he didn't specify at all the time period and most people in the USA that use cards like this don't pay off their balances in 12 months, nor do the banks even encourage them to. The 12 month figure was invented by your genius video maker here, and he draws all sorts of conclusions based on something Bernie didn't even say.

Posted: **Sun Jun 09, 2019 10:17 pm**

mookiemcgee wrote:Did Bernie say anywhere that they would pay $136 over 12 months? No he didn't, he didn't specify at all the time period and most people in the USA that use cards like this don't pay off their balances in 12 months, nor do the banks even encourage them to. The 12 month figure was invented by your genius video maker here, and he draws all sorts of conclusions based on something Bernie didn't even say.

I guess Bernie didn't specify a time frame.. it's just a big ironic coincidence that 27% of $500 is roughly $136..
no reason to think anything else. :roll:

Posted: **Tue Jun 11, 2019 2:00 pm**

NomadPatriot wrote:
GoranZ wrote:Read this again... Every month a customer is paying 27% no matter what he will do, the only difference is the different values for the balance.Lets take the analyze the numbers from the video:End of Month 1: Remaining Balance 463.24, Interest Paid 11.25 -> 11.25/500.00*12*100=27%End of Month 2: Remaining Balance 425.66, Interest Paid 10.42 -> 10.42/463.24*12*100=26.99%End of Month 3: Remaining Balance 387.22, Interest Paid 09.58 -> 09.58/425.66*12*100=27.01%etc, etc... you can do the remaining of the math on your own Conclusion: Every month a customer is paying 27% interest rate!

NO ONE IS ARGUING AGAINIST THIS GENIUS. THE GUY IN THE VIDEO & MYSLEF BOTH HAVE STATED EXACTLY WHAT YOU ARE REPEATING..

WHAT IS BEING POINTED OUT IS THE FINAL AMOUNT OF INTEREST MONEY TO BE PAID ON THE $500 BALANCE.

AT 27% INTEREST . THE FINAL AMOUNT OF MONEY THE CUSTOMER WILL PAY IN INTEREST FEES AFTER 12 MONTHS WOULD BE $76..

$76 IS 15% OF $500...

YOU JUST KEEP WANTING TO REINFORCE BERNIES NOTION THAT AFTER 12 MONTHS OF PAYING 27% INTEREST MONTHLY ON $500 THAT THE CUSTOMER WOULD END UP PAYING $136 IN MONEY VIA INTEREST ON THE $500..

WHICH IS NOT TRUE.

I AM NOT SURE IF YOU ARE JUST COMPLETELY BLIND, INTENTIONALLY TRYING TO BE ANNOYING OR JUST PLAIN STUPID.

Interest rate is yearly figure. Bernies 27% is interest rate but yours 15% is not interest rate

NomadPatriot wrote:
mookiemcgee wrote:Did Bernie say anywhere that they would pay $136 over 12 months? No he didn't, he didn't specify at all the time period and most people in the USA that use cards like this don't pay off their balances in 12 months, nor do the banks even encourage them to. The 12 month figure was invented by your genius video maker here, and he draws all sorts of conclusions based on something Bernie didn't even say.

I guess Bernie didn't specify a time frame.. it's just a big ironic coincidence that 27% of $500 is roughly $136..
no reason to think anything else.

And nothing is stopping you from taking 500$ every month and returning only 511.3$ at the end of the month. For 12 months you will return total of $136 in interest.
But you can get to 15% interest rate only in your dreams.

Posted: **Tue Jun 11, 2019 2:57 pm**

GoranZ wrote:And nothing is stopping you from taking 500$ every month and returning only 511.3$ at the end of the month. For 12 months you will return total of $136 in interest.But you can get to 15% interest rate only in your dreams.

the stupidity your displaying is astonishing..
you keep intentionally creating fake scenario's and pushing this false narrative ..
why.. I have no clue..
but jus keep right on doing it..
at least you think your right... :lol:

Posted: **Wed Jun 12, 2019 1:19 am**

NomadPatriot wrote:
GoranZ wrote:And nothing is stopping you from taking 500$ every month and returning only 511.3$ at the end of the month. For 12 months you will return total of $136 in interest.But you can get to 15% interest rate only in your dreams.

the stupidity your displaying is astonishing..
you keep intentionally creating fake scenario's and pushing this false narrative ..
why.. I have no clue..
but jus keep right on doing it..
at least you think your right...

Ok then. If you believe you are correct I encourage you to take at least 2000$ loan every month from those cards.
And have fun paying the bills for them

Posted: **Wed Jun 12, 2019 1:30 am**

GoranZ wrote:Ok then. If you believe you are correct I encourage you to take at least 2000$ loan every month from those cards. And have fun paying the bills for them

I do not need or want to use credit cards or bank loans.. never had to use them , never wanted too, never will. .
i'm good to go with my cash..

only idiots go into debt

Posted: **Wed Jun 12, 2019 8:35 am**

NomadPatriot wrote:
GoranZ wrote:Ok then. If you believe you are correct I encourage you to take at least 2000$ loan every month from those cards. And have fun paying the bills for them

I do not need or want to use credit cards or bank loans.. never had to use them , never wanted too, never will. .
i'm good to go with my cash..

only idiots go into debt

You can use credit cards without going into debt.

They are not synonymous.

Most of my purchases (gas, groceries, restaurants, etc.) are made with credit cards which are paid off monthly.
I collect the rewards and never pay a dime in interest.

I find it incredibly unlikely that you have ‘never’ used credit cards. It’s not impossible, but it’s extremely cumbersome for many purchases to try to avoid using cards. I think in this age and this country only a very small percent of people can honestly say they’ve ‘never’ used cards.

Don’t play dumb and try to claim debit cards don’t count. They say “MasterCard” and “Visa” right on them and use the same system and though the backend is different, they wouldn’t exist if credit cards didn’t exist.

You can pay stuff online with Venmo or PayPal... but these systems like to have a card on file too, and at one point you couldn’t have a PayPal account without registering a card too.

Posted: **Wed Jun 12, 2019 9:05 am**

jimboston wrote:Don’t play dumb and try to claim debit cards don’t count. They say “MasterCard” and “Visa” right on them and use the same system and though the backend is different, they wouldn’t exist if credit cards didn’t exist.

well who doesn't have a checking account...???
of course i put part of my cash into my checking account & use my debit card..

debit cards are not credit cards..
- you get a debit card free when you open a checking account..
- there is no "application' to get a debit card.
- you do not have to have a certain .. credit score .. ( which would have to be called a 'debit score' ) to get a debit card..
- there are no interest fees associated with a debit card..
- you can not be denied a debit card if you are able to open a checking account

debit cards were created in order to keep people from having to write out a paper check every time they buy something or pay bills.. .. it is basically just a hard plastic check ,it's just processed through a third party like Mastercard or visa so businesses do not have direct access to your bank account information.. Mastercard or Visa are the middle men in the situation..

saying credit cards are the same as debit cards is plain stupidity..

Posted: **Wed Jun 12, 2019 11:52 am**

NomadPatriot wrote:
jimboston wrote:Don’t play dumb and try to claim debit cards don’t count. They say “MasterCard” and “Visa” right on them and use the same system and though the backend is different, they wouldn’t exist if credit cards didn’t exist.

well who doesn't have a checking account...???
of course i put part of my cash into my checking account & use my debit card..

debit cards are not credit cards..
- you get a debit card free when you open a checking account..
- there is no "application' to get a debit card.
- you do not have to have a certain .. credit score .. ( which would have to be called a 'debit score' ) to get a debit card..
- there are no interest fees associated with a debit card..
- you can not be denied a debit card if you are able to open a checking account

debit cards were created in order to keep people from having to write out a paper check every time they buy something or pay bills.. .. it is basically just a hard plastic check ,it's just processed through a third party like Mastercard or visa so businesses do not have direct access to your bank account information.. Mastercard or Visa are the middle men in the situation..

saying credit cards are the same as debit cards is plain stupidity..

Please point to where I said they were “the same”.

I said they count.

I also called you a liar for claiming you NEVER had or used a credit card.
I don’t believe you.

Posted: **Wed Jun 12, 2019 12:13 pm**

jimboston wrote:Please point to where I said they were “the same”.

right here.. highlighted in red

jimboston wrote: They say “MasterCard” and “Visa” right on them and use the same system and though the backend is different,

jimboston wrote:I also called you a liar for claiming you NEVER had or used a credit card. I don’t believe you.

it doesn't matter if you believe me or not.. the fact I never have is true.. facts do not care if you believe them or not. they are still facts...

but it is amazing you can not conceive someone not being able to happily survive in this world without needing a credit card... shows how... "dependent " you are on someone else helping you with life...

true intelligence is being able to survive & prosper alone.. without needing help to solve the problem...

Posted: **Wed Jun 12, 2019 1:39 pm**

NomadPatriot wrote:
jimboston wrote:Please point to where I said they were “the same”.

right here.. highlighted in red
jimboston wrote: They say “MasterCard” and “Visa” right on them and use the same system and though the backend is different,

jimboston wrote:I also called you a liar for claiming you NEVER had or used a credit card. I don’t believe you.

it doesn't matter if you believe me or not.. the fact I never have is true.. facts do not care if you believe them or not. they are still facts...

but it is amazing you can not conceive someone not being able to happily survive in this world without needing a credit card... shows how... "dependent " you are on someone else helping you with life...

true intelligence is being able to survive & prosper alone.. without needing help to solve the problem...

Learn to read.

Posted: **Wed Jun 12, 2019 7:06 pm**

jimboston wrote:Don’t play dumb and try to claim debit cards don’t count. They say “MasterCard” and “Visa” right on them and use the same system and though the backend is different, they wouldn’t exist if credit cards didn’t exist.

oh. ok I got ya..
so when you said "Don’t play dumb and try to claim debit cards don’t count".. what you meant was debit cards ARE DIFFERENT then credit cards.. and are NOT THE SAME as a credit card...

completely misinterpreted what you said.. thanks for clarifying and finally realizing owning a debit card has absolutely nothing to do with … CREDIT CARDS...

Posted: **Thu Jun 13, 2019 10:20 pm**

NomadPatriot wrote:
jimboston wrote:Don’t play dumb and try to claim debit cards don’t count. They say “MasterCard” and “Visa” right on them and use the same system and though the backend is different, they wouldn’t exist if credit cards didn’t exist.

oh. ok I got ya..
so when you said "Don’t play dumb and try to claim debit cards don’t count".. what you meant was debit cards ARE DIFFERENT then credit cards.. and are NOT THE SAME as a credit card...

completely misinterpreted what you said.. thanks for clarifying and finally realizing owning a debit card has absolutely nothing to do with … CREDIT CARDS...

I see you haven’t learned how to read since yesterday.

I mean it appears that you can read words, but you have a problem understanding what happens when I put a bunch of words next to each other.

See, all these words form something called a ‘sentence’... and you can’t just take one or two words out of a sentence, separate from all the other words, and expect them to have the same meaning as the full sentence?

Do you understand?

No?

Yeah, I didn’t think so.

Posted: **Fri Jun 14, 2019 7:03 am**

oh.. a Sentence.. . You mean one of those strings of words that starts with a capital letter & ends with a punctuation mark.. ..
my bad..
I quoted you saying this... --> "Don’t play dumb and try to claim debit cards don’t count"..

when you actually said this full entire sentence
-->

jimboston wrote:Don’t play dumb and try to claim debit cards don’t count.

I forgot to put the period punctuation mark on the end..
your right..
I did "just take one or two words out of a sentence, separate from all the other words"
I left out the period that you clearly put at the end of that sentence .. ..

( But one thing to point out.. I do not understand your question sentence. You start out making a statement.. you make a statement throughout the entire sentence.. but then you end it with a question mark.. like your questioning your own statement. …)

-->

jimboston wrote:See, all these words form something called a ‘sentence’... and you can’t just take one or two words out of a sentence, separate from all the other words, and expect them to have the same meaning as the full sentence?

Posted: **Fri Jun 14, 2019 7:36 am**

NomadPatriot wrote:oh.. a Sentence.. . You mean one of those strings of words that starts with a capital letter & ends with a punctuation mark.. ..
my bad..
I quoted you saying this... --> "Don’t play dumb and try to claim debit cards don’t count"..

when you actually said this full entire sentence
-->
jimboston wrote:Don’t play dumb and try to claim debit cards don’t count.

I forgot to put the period punctuation mark on the end..
your right..
I did "just take one or two words out of a sentence, separate from all the other words"
I left out the period that you clearly put at the end of that sentence .. ..

( But one thing to point out.. I do not understand your question sentence. You start out making a statement.. you make a statement throughout the entire sentence.. but then you end it with a question mark.. like your questioning your own statement. …)

-->
jimboston wrote:See, all these words form something called a ‘sentence’... and you can’t just take one or two words out of a sentence, separate from all the other words, and expect them to have the same meaning as the full sentence?

I’m sorry Nomad.

I see that in addition to being unable to read you also have a short term memory loss issue.

Please go back and read (*sic) your previous retorts, and you may (if you try really hard) find several places where you have done exactly what I stated.

Now I know this will be hard for you, but I have faith you can do it if you try.

It’s impossible to have a conversation with you if you’re going to misquote me.... if you want to try to prove something first go back, find where you this, and apologize.

Good bye?

Posted: **Fri Jun 14, 2019 11:29 am**

jimboston wrote:I’m sorry Nomad.

Posted: **Fri Jun 14, 2019 11:34 am**

T you're going down that same path aren't you?

Posted: **Fri Jun 14, 2019 5:38 pm**

Leave Tt alone....this is the only place where he can share his dispair and loneliness. This is the only playground where he can play in. Otherwise he would get arrested within 1000 feet of one.

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