Chadstroma

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About Chadstroma

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    Footballguy
  • Birthday 01/31/1977

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    Male
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    Chicago

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  • Favorite NFL Team
    Oakland Raiders

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  1. This is not an election of the "pick the least worst of the two from the major parties" like it normally is. Each of the major party candidates have shown beyond any reasonable doubt that they are disqualified for holding the highest office in the nation. Heck, they are disqualified for holding the office of dog catcher in a small town of 3 people in my opinion. I am a life long Republican. I have voted Republican for a good 90% of the candidates in all offices since I could start voting. I have never voted for a President that was not a Republican. Until now. Though I am NOT a libertarian in any way and have some significant issues with the Libertarian party. Gary Johnson is the only sane, moral and reasonable vote in this election.
  2. Sorry for being waaaaaaay late. I have been MIA from the boards for a while. I will shoot over some money for the next round eligible. With my luck, that means you guys have the best chance to win since I am not in the pot!
  3. Even if PCI complaint there are costs associated if a merchant is breached. Which is the reason to get tokenization. What's nice with my company is that we give breach coverage with the tokenization.
  4. Much? I mean, sure, I like it more but much better? Boob is boob.
  5. In regards to EMV chip it is real easy. If a merchant does not have EMV capable equipment and someone pays with a chip card and later disputes all that they do is check that the card is a chip card and what the merchants equipment is, then does a charge back to the merchant. Merchant has 100% liability with this. If a merchant upgrades their equipment then it is harder to answer. Essentially it comes down to a case by case basis. But if the merchant responds to the process, they generally have a good level of protection.
  6. In regards to EMV chip it is real easy. If a merchant does not have EMV capable equipment and someone pays with a chip card and later disputes all that they do is check that the card is a chip card and what the merchants equipment is, then does a charge back to the merchant. Merchant has 100% liability with this. If a merchant upgrades their equipment then it is harder to answer. Essentially it comes down to a case by case basis. But if the merchant responds to the process, they generally have a good level of protection.
  7. Not a fan of Chase but pretty much all banks of all sizes charge a fee for that unless you have a certain type of account or relationship with them. Many credit unions do as well.
  8. I saw some research on general profiles of different levels of credit scores. The "average" profile of consumers with 800+ scores and down. The higher the scores the more credit cards there were. As for length of a card showing on a credit report, it will show when you got it and it doesn't matter when you activated it.
  9. Heart broken. Crying. No words. Reach out to your local Compassionate Friends group. It is the only people that really do know what you are going through. I know it is the only other thing other than the other kids that kept my mom going when we lost my sister. www.compassionatefriends.org
  10. Heart broken. Crying. No words. Reach out to your local Compassionate Friends group. It is the only people that really do know what you are going through. I know it is the only other thing other than the other kids that kept my mom going when we lost my sister. www.compassionatefriends.org
  11. You always know if they are into you if they get naked and dance for you.
  12. 10 of 9. Easily.
  13. If you are really passed at a company... the better way to get back at them is to keep the card and not use it. That costs them money through reserves. Closing it does them a favor. Of course, assuming you don't have an annual fee.
  14. Yes, actually. Building relationships is the majority of my days right now.
  15. Oh geez. I would think this kind of crap was fishing if I didn't have to deal with morons like this over the years. There is not an infinite supply of cash held at banks. Most banks these days have prob around $30k total in the whole branch unless they order more in for a customer request. Don't be an ###.