Episode 43: Custom Cards, Evolve Leak & Gift Cards Galore

fearthez

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

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  • Kung Fewer & Kleed SO kleed tier! Welcome finance and Jesse!
  • Upgrade savings referral posted, $300 from a coworker. Thanks!
  • My CLEAR experience is not the norm
    • KungFeuhrer, pandaman (discord) & Gena (Patreon) all shared much better experiences with me and that PreCheck works. Gena shared that it’s Tom Bradley NOT Brady 😂
    • My ticket didn’t have PreCheck on it (even though I have I) so that’s prob why they sent me to the other line
  • BofA Claims Update (Reddit comment)
    • CS states Lifestyle Credit only qualifies on domestic transactions
      • This is not detailed in the terms of service whatsoever
    • Whole Foods transaction under 5411 Grocery Stores and Supermarkets did not trigger credit
    • Sportsline is “not a qualifying merchant” and is a “sports website”
  • CCs with entertainment category comparison
    • Forgot to change Elan category
  • FutureCard 100% Arcadia bill credit
    • Emailed, was not after sign up just first charge to FutureCard, got credit $75 in cash back points
    • Referral
  • Chase Amazon $200 SUB (no spend)
  • Walmart considering new issuers for CC
  • Humble Dollar update
  • Key Bank $300 SUB Chex Sensitive 
  • Albert ACH pull transfer time
    • 10 days to pull in funds!!!
  • $1500 Pepper Airbnb 2x + referral? $75 Amazon
    • Referral 605502
  • Custom Etched cards
  • Chase PYB extended 
  • Airline delayed bag coverage (ht Ming)
  • Evolve
    • A Russia-linked ransomware group known as LockBit, which has conducted thousands of attacks in recent years, claimed on its site it had a cache of data from the US central bank, the Federal Reserve, that it would release if the ransom it demanded was not paid.
    • But when the data was released early Wednesday morning, it became clear it wasn’t the Federal Reserve’s, but rather Evolve Bank & Trust’s.
    • Info security professionals who have accessed and begun examining the data in order to take necessary steps to mitigate risk have suggested that Evolve’s Azure tenant was compromised, allowing the hackers to make copies of most or all of the bank’s virtual machines, including those running its website, SFTP, SQL server, as well as information from its core banking system, which is said to be Jack Henry’s jXchange — which potentially could include Evolve’s credentials for accessing Federal Reserve systems.
    • Evolve is one of the largest ACH originators in the country, meaning even those who have never used Evolve or an Evolve-linked service may have data compromised in the breach, if they’ve ever sent a payment to or received a payment from an Evolve program.
    • An industry source who was examining the data for risk-mitigation purposes told Fintech Business Weekly, “I can’t think of a data breach with this much PII and consumer and commercial financial data…. that then is publicly available…. ever.”
    • A single flat JSON file reviewed by Fintech Business Weekly included unencrypted/unhashed names, addresses, Social Security/Tax ID Number, dates of birth, account balances, email address, phone number, and account number on 155,586 accounts at the following services: Yotta, Copper, YieldStreet, Juno, Dave, BrightSide, SoLo Funds, ChangEd, Mercury, MainVest, Fund That Flip, Nomad, Bitfinex, Rho and numerous others
    • DoC
  • Evolve Synapse pt 2
    • To reiterate: former Synapse employees, presumably including former CEO Pathak, continued to have access to key systems, including MongoDB, until at least June 20th, while the Chapter 11 trustee didn’t gain access until that time
    • MongoDB argues, per the letter sent to McWilliams, that “[t]he Trustee has had unlimited access to its data since her appointment on or about May 24th, with such access still available today. Despite having such access for over 5 weeks, the Trustee has apparently chosen not to export, download or copy the Debtor’s data, instead assuming that MongoDB would simply keep the access open and incur $10,000-$12,000/week on a ‘charity’ basis.”
    • The scope of the data, according to MongoDB, is approximately 4.1 terabytes, with MongoDB’s lawyer describing the task of backing up the data as being as simple as picking up a box of files left in his office.
  • Google Fi no longer works for Amex
  • chase.com/mybonus
  • Max subscription ended, $210 for 4k, 🏴‍☠️⛵🌊
    • Signed up for Hulu (have $0.99 until November) + Max ($16) using Platinum for subscription credit
    • Amex Platinum Benefits Tracked (source on Patreon)
  • FirstTrust SUB
  • RFCU for residents only now (ht Kleed)
  • Centurion opening in Japan 2025
  • CIP 120k SUB
  • Imprint Turkish Airlines CC
  • M&T Bank $400 SUB
  • Cashback Cowgirl
  • PNC 2% SUB
  • Google Class Action $0.11
  • Robinhood Gold Card Declines
  • Save Renewal
    • S&P 500 23.9% increase
      • 8/5/2024 $412.29
      • 7/9/2024 $511.04
    • Save 15.2% increase (including fee reduction)
    • Save with $22k referral rewards 44.86% increase on $1k ($448.59)
    • Set up to withdraw upon maturity (not sure how that works with rewards that will not mature until after then?)
    • Referral
  • Target split payments
  • Webull 2% Brokerage bonus
  • Wealthfront Plans = HMB Routines
  • Discover Fee Free Overdraft
  • Kleed new card images 😎
  • FirstTech targeted $400 CC SUB
    • I closed my account 😦
  • [Lightning Deal] Uber $100 GCs for $80 @ Costco
  • [Lightning Deal] DoorDash $100 GCs for $80 @ Costco
  • [Lightning Deal/Expired] $100 DoorDash GC for $85 @ PayPal (link 1 & link 2)
  • [Expired] Top Golf $100 GC for $65 @ Costco (now $75)
  • Gift Card Balances
  • Costco Membership deals
  • Amex targeted 10% grocery offer

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