• Due to ongoing issues caused by Search, it has been temporarily disabled
  • Please excuse the mess, we're moving the furniture and restructuring the forum categories

JREF Credit Card

kosai

Recently Audited Thetan Cluster
kosai
Joined
Aug 19, 2005
Messages
565
In the latest SGU podcast it was mentioned there is now a Capital One JREF card with Randi's photo on it and using it helps the JREF, does anyone know where we can go to apply for this card? It sounds like a great idea.
 
Randi is a magician. If you're qualified for the card it's already in your wallet. What's in your wallet?
 
I think they said it was just about ready to roll out, expected to be available around the release date of that SGU episode, but perhaps there's been a delay of a couple days. Presumably there will be an announcement when it's actually available.
 
Mine is supposedly in the mail. I am giddy with anticipation.
 
the APR looks very enticing, especially since my Citi is raising its APR even though I have excellent credit. 0% for a year, I haven't seen that with a basic card in a long time.
 
I figure I had Capital One spinning in glee. They have bombarded me for years to open one of their cards. I finally put myself on a do not mail list for credit offers. And then along comes Randi! In 7-10 days the Amazing One will be with me and used for my hobby expenses.
 
I got so tired of the endless Capitol One ads in the mail box and phone calls I told them I would never ever accept a Capitol One card.
 
Careyp74 said:
Why? What's in YOUR wallet? :)
Click to expand...
.
Two too many of those damn things! (which is 2)
I can spend up to my credit limit without ever leaving home!
Frapping Internet with its connectivity to everything! Grump! Grump!
 
My wife had a Capital One card and it was quite possibly the worst credit card company I've ever seen. They'd charge her late fees even though the payment was sent a good 20 days in advance. They then jumped the APR to some outrageous number. Finally, she just closed the account. Of course, a year later she got a bill from Capital One for an annual fee (the card never had a fee to begin with). After arguing with Capital One over the phone, they again supposedly closed the account. A year goes by and, wouldn't you know it, she gets a bill again. I had to go all the way to the corporate office to get her account eventually closed.

Just google Capital One and you'll see how bad they are. You've been warned.
 
Last edited:
I had a Capitol One card once. No problems for the year I used it, but they failed to send a replacement card. Repeated contacts always resulted in a very friendly, helpful response assuring me the new card was on the way. No card ever arrived. Statements kept arriving, stating, of course, nothing due. Because of my record of no late payments they kept raising my credit limit, and charged no renewal fee. I was a preferred customer.

Eventually I got them to close the account. I got a call from one of their VP's asking why I had closed my account after being one of their preferred customers for five years.

Customer service is not their strong suit.

Robert
 
of course no one would ask the masses before signing up to a credit card company. Capital One is not the only game in town. There are a lot of banks that will participate in a charity card, with a customizable image.
 
Quite a grubby move from JREF.
Feathering their own nest by encouraging their supporters into debt.
 
plumjam said:
Quite a grubby move from JREF.
Feathering their own nest by encouraging their supporters into debt.
Click to expand...

Well- we might hope people will apply rational thinking to use of any credit card.
I tend to share your opinion of this though. As a fund raising technique it's somewhat tacky.
I suspect that may be a UK v US perceptual shift though.
 
Memory serving, I got Capitol One to stop stuffing my mail box every week by using their pre-paid envelopes to return the stuff, along with a page of phone sex ads from the back of old Penthouse magazines, when I noticed the return address was in Salt Lake City.
I can imagine the concern at the receipt of this stuff. :)
Took about 3 such returns, and I haven't gotten anything since.
 
It's a nice idea but if you pay off your balance every month, there are cards with better rewards. Some give 1% on all purchases and then 3% on things like gas & groceries. Then you could donate an even larger amount directly to JREF each year. But this is a clever idea because it's an automatic and unseen donation which probably will yield better results overall for JREF than expecting people to hand over a big chunk of change all at once.
 
I don't normally use credit cards and when I use the one I have I pay it off monthly. I do have a hobby where I travel and occasionally get reimbursed for expenses. I figure the JREF can benefit from those travels.
 
This will generate a huge amount of revenue for JREF. Imagine 500 people each spending $2,000 per month. That is $10,000 per month for JREF.
 
Soapy Sam said:
Well- we might hope people will apply rational thinking to use of any credit card.
I tend to share your opinion of this though. As a fund raising technique it's somewhat tacky.
I suspect that may be a UK v US perceptual shift though.
Click to expand...

It is an extremely common fundraising practice for US charities.

It's hards to navigate modern life without a credit card, and it is entirely possible to use it responsibly, not incurring any debt you can't pay off each month. Why shouldn't a preferred charity get some benefit from that?

plumjam said:
Quite a grubby move from JREF.
Feathering their own nest by encouraging their supporters into debt.
Click to expand...

The JREF doesn't get extra funds from people who carry a balance, just from people getting and using the card. I do not see how your second sentence is supported.
 
plumjam said:
Quite a grubby move from JREF.
Feathering their own nest by encouraging their supporters into debt.
Click to expand...

I know just like those grubby folk at the RSPCA, The National Trust, NSPCC, Cancer Research, WWF, Ramblers Association, Save the Children, Help the Aged, Oxfam, Actionaid, and those really grubby lot the Woodland Trust.
 
rjh01 said:
This will generate a huge amount of revenue for JREF. Imagine 500 people each spending $2,000 per month. That is $10,000 per month for JREF.
Click to expand...

I don't spend $2000 a month, and EVERYTHING in our family consumption goes on the credit card.

People who practice this probably won't use a new card for their purchases to benefit JREF.

I don't see more than 20 people getting the card, and they probably won't charge more than $200 a month on it, but, hey, that is an extra $40 a month they wouldn't have had otherwise.
 
ejk said:
The JREF doesn't get extra funds from people who carry a balance, just from people getting and using the card. I do not see how your second sentence is supported.
Click to expand...
Yeah, like none of the people who take out the card are going to get into debt.

Darat said:
I know just like those grubby folk at the RSPCA, The National Trust, NSPCC, Cancer Research, WWF, Ramblers Association, Save the Children, Help the Aged, Oxfam, Actionaid, and those really grubby lot the Woodland Trust.
Click to expand...
I would condemn any organisation for profiting from encouraging its supporters into debt. Seems like a crappy way to treat those who take an interest in you, and upon whom you depend.
 
Guys.

Capital One.

Carry on.


ETA:
plumjam said:
I would condemn any organisation for profiting from encouraging its supporters into debt. Seems like a crappy way to treat those who take an interest in you, and upon whom you depend.
Click to expand...

o_0

Many people don't ever carry a balance. Like me. This way I could easily donate to JREF without ever thinking about it or paying an extra dime.
 
Last edited:
My current cards send me money every month, why would I change that to send it to someone else?
 
plumjam said:
...snip...

I would condemn any organisation for profiting from encouraging its supporters into debt. Seems like a crappy way to treat those who take an interest in you, and upon whom you depend.
Click to expand...

So would I so it's good job none of them are doing that - or at least if they are it has nothing to do with offering a credit card.
 
What Darat said. No one at the JREF is encouraging anyone to go into debt. If credit cards were really hard to come by and this promotion were opening a door to consumer debt that few would otherwise be able to access, I might agree with your characterization. As it is, I think your criticism makes less sense that if someone were to accuse the organization of encouraging people with a gambling problem to lose their house because it holds TAM in Las Vegas.
 
It looks like this card is only available in the USA ?

Can I get one in the UK ?
 
ToddH said:
My wife had a Capital One card and it was quite possibly the worst credit card company I've ever seen. They'd charge her late fees even though the payment was sent a good 20 days in advance. They then jumped the APR to some outrageous number. Finally, she just closed the account. Of course, a year later she got a bill from Capital One for an annual fee (the card never had a fee to begin with). After arguing with Capital One over the phone, they again supposedly closed the account. A year goes by and, wouldn't you know it, she gets a bill again. I had to go all the way to the corporate office to get her account eventually closed.

Just google Capital One and you'll see how bad they are. You've been warned.
Click to expand...

I've had 3 Capital One cards (MC, Visa and a business Visa) for at least 15 years each, and my experience has been exactly the opposite.

I would encourage anyone from the US who travels overseas to get this card, as Capital One does not charge those annoying "service fees" on foreign transactions. You know the ones that show up on your statement that come with every transaction you make - $80 for dinner, followed by a $2.50 "foreign currency exchange fee".
 
I got mine. I took a picture of it to post here but the file size is too big and I have no idea how to edit that so here is a video of my new card.

You don't have to be smart to be a skeptic, right?
 
One simple way to reduce the size of a picture is to take a picture where the credit card is only a small part of the picture and then crop the picture. Take several pictures where the credit card is a different % of the whole card and one of them would be OK.

Load onto the albums here and they will fix the rest.
 
plumjam said:
Yeah, like none of the people who take out the card are going to get into debt.


I would condemn any organisation for profiting from encouraging its supporters into debt. Seems like a crappy way to treat those who take an interest in you, and upon whom you depend.
Click to expand...

You realize it's extremely difficult to travel on business without a credit card, right? Not impossible, just very difficult. Plane tickets, hotel bills, meals, rental cars. In fact, I think most rental car companies won't even accept cash anymore,and if you use a debit card (rather than credit card), they take a large security deposit which is not refunded for several days.

A lot of businesses won't give their employees cash advances for travel any more, they expect you to use a card and turn in an expense account. When you travel internationally, you can use it without having to acquire local currency (often with fees or less-than-perfect exchange rates).

Condemn all you like, but people who misuse credit will be in that boat regardless of who gets a bit of a commission.
 
You must log in or register to reply here.
Back
Top Bottom