Chadstroma

Members
  • Content count

    28,489
  • Joined

  • Last visited

Community Reputation

708 Excellent

About Chadstroma

  • Rank
    Footballguy
  • Birthday 01/31/1977

Contact Methods

  • Website URL
    http://
  • ICQ
    0

Profile Information

  • Gender
    Male
  • Location
    Chicago

Previous Fields

  • Favorite NFL Team
    Oakland Raiders

Recent Profile Visitors

12,722 profile views
  1. 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.
  2. Much? I mean, sure, I like it more but much better? Boob is boob.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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
  8. 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
  9. You always know if they are into you if they get naked and dance for you.
  10. 10 of 9. Easily.
  11. 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.
  12. Yes, actually. Building relationships is the majority of my days right now.
  13. 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 ###.
  14. Trupanion as well. Put in many claims and never an issue. Did my research and clearly was the best option and lived up to that. Question comes down to this: do you want to be in a position where you decide financial hit/hardship vs life or quality of life of your dog? I didn't want that decision ever.
  15. Feex.com is your friend