n****3
发帖数: 543 | 1 这个板上有人收吗？
Features
Gift Card Value plus a $2.49 tracking and shipping fee included in the price
of the gift card
Redemption - Compatible with iTunes for Mac or Windows. No returns or
refunds on iTunes Gift Cards. Good for the U.S. iTunes Store only.
Terms & Conditions - Valid only on iTunes Store for U.S. Requires iTunes
account and prior acceptance of license and usage terms. To open an account
you must be 13+ and in the U.S. Compatible software, hardware, and Internet
access required. Not red... 阅读全帖 |
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l*****i
发帖数: 1163 | 2 背上一个A的，不是apple GC（背上一个苹果的那种）。
这是Bestbuy对这卡的介绍
Apple® - $50 App Store Gift Card
Product Features
Available in $15, $25, and $50 denominations.
Compatible with iTunes for Mac or Windows.
No returns or refunds on iTunes Gift Cards.
Redeemable on the App Store, the iTunes Store, the iBookstore, and the Mac
App Store (U.S. only).
iTunes® Terms and Conditions
Valid only on iTunes Store for U.S. Requires iTunes account and prior
acceptance of license and usage terms. To open an account you mu... 阅读全帖 |
|
e*******s
发帖数: 1979 | 3 deliver晚了预期的3天, 病人就发飙了, file了credit card dispute.
东西是一个used dell的笔记本, 500块钱的样子, 病人还说说东西不是like new
condition的, "the merchandise is not as described on the product listing
page." 这种应该怎么办呢
收到亚麻的来信如下,
Greetings from Amazon.com.
The issuer of the credit card used for order 107-5422026-0237038 has
informed us that the charge for this order is in dispute. The customer
claims that the merchandise is not as described on the product listing page.
Please issue a refund via the Amazon Payments system, or re... 阅读全帖 |
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s**c
发帖数: 34339 | 4 PayPal第三次据了这个chargeback
Feb 22, 2016 PayPal Case closed
Feb 22, 2016 PayPal No funds transferred from seller's account
Feb 22, 2016 PayPal Unable to dispute on seller's behalf
Feb 19, 2016 PayPal Case under review
Feb 19, 2016 PayPal Counter-claim received from card-issuer
Feb 16, 2016 PayPal Case closed
Feb 16, 2016 PayPal No funds transferred from seller's account
Feb 16, 2016 PayPal Unable to dispute on seller's behalf
Feb 15, 2016 PayPal ... 阅读全帖 |
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S**C
发帖数: 2964 | 5 I bet the 5% fix gain can be adjusted by the issuers. I remember several
months ago there was a WSJ article talking about such investment vehicle.
For retail investors, there is really no need for such complicated
instruments, they are good for the issuers, not for you.
called |
|
D*******a
发帖数: 3688 | 6 you need to read a textbook not just articles
coupon rates are determined by the bond issuer. depending on the credit risk
of the issuer, it may need to set a high coupon rate to attract buyers. |
|
y****i
发帖数: 778 | 7 This is call date and call price, the issuer has the right but not liability
to redeem the bond at that price. If you want to sell the bond before 2033
maturity, you need to call the broker such as Fidelity to get a bid quote
first. If the issuer does call back this bond, they will buy back with the
call price at the call date. You do not need to do anything in this
situation. |
|
y****i
发帖数: 778 | 8 Yes, unless both the bond issuer and AGM bankrupt.
You are talking about the liquidity risk which is very important for bond.
No penalty like early redemption as CD. But buying a callable bond with
premium will have a loss if the issuer call it back earlier by par value.
General speaking, corporate bond is better than municipal bond for liquidity
because you can sell it online like stock. However, you lose the
protection by the monoliner insurance.
For example, Cliff natural resources (CLF) has... 阅读全帖 |
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s*******h
发帖数: 1361 | 9 That is a tiny fund with 6m asset. Do not draw much conclusion from it.
An ETF is fully collateralized and doesn't have any counter party credit
risks as long as the vendor operates legally. You may have mixed it with an
ETN which assumes issuers' counterparty credit risks. Both a bond ETF and a
bond ETN have underlying credit risks, but that's different than the issuer'
s credit risks.
coupon
correspond
Bond
performance |
|
S**P
发帖数: 1290 | 10 多谢提醒。 那看来issuer破产导致的风险应该是很小基本可以忽略不计的。
an
a
issuer' |
|
s*******h
发帖数: 1361 | 11 That is a tiny fund with 6m asset. Do not draw much conclusion from it.
An ETF is fully collateralized and doesn't have any counter party credit
risks as long as the vendor operates legally. You may have mixed it with an
ETN which assumes issuers' counterparty credit risks. Both a bond ETF and a
bond ETN have underlying credit risks, but that's different than the issuer'
s credit risks.
coupon
correspond
Bond
performance |
|
S**P
发帖数: 1290 | 12 多谢提醒。 那看来issuer破产导致的风险应该是很小基本可以忽略不计的。
an
a
issuer' |
|
r*****k
发帖数: 9 | 13 Carry balance refers to that case that you still keep some $ that you owe your
credit card company after paying off at least the monthly minimum required
amount on your card.
It's a way for a credit card issuer to fool cardholders by saying something
like you'd get a higher rebate if you carry balance. The fact is you can get a
higher rebate but you're paying a way much higher interest. You add both
together, and then you find you're losing more $ to the card issuer. |
|
z****l
发帖数: 5282 | 14 ☆─────────────────────────────────────☆
Giants (Showdown+of+the+Giants) 于 (Mon Jan 30 11:32:43 2006) 提到:
Green Thumb: The Cash-Back Card Face-Off --- Issuers Compete to Offer th
e Best Rebates, but Catches Abound
By Ron Lieber
610 words
28 January 2006
The Wall Street Journal
B1
English
(Copyright (c) 2006, Dow Jones & Company, Inc.)
CREDIT-CARD ISSUERS are wielding new weapons in their battle to offer th
e most lucrative cash-rebate cards in the country.
In recent weeks, EmigrantDirect.com |
|
g********e
发帖数: 410 | 15 I will basically cover two main points for each stakeholders within a credit
card transaction. What they do? And how can they make money?
1. Card associations:
VISA/MASTERCARD/AMERICAN EXPRESS/DISCOVER
When you talk about those terms, you are talking about “card associations”
. As I said in the first posting, card issuers should be a member in order
to imprint the perspective association logo on their credit or debit card.
VI and MC membership overlap significantly. Card issuers, normally U.S |
|
y*****a
发帖数: 580 | 16 1. Look at the cards you already have, who are the issuers and what are the
CLs. (after soft CLI)
They are preferred because even if you have a low cl in your aor, you can
relocate (when available) cl to the new cards. -- so check which issuers
are able to relocate your cl between cards, and what are the limitation.
Usually citi/boa/chase/amex allow you to relocate. discover not, and hsbc
only one cards. check by yourself on fwf about cap1, etc.
2. citi/boa are more preferable, because they |
|
l******g
发帖数: 6771 | 17 1. Make sure you don't use more than 90% on one single CL 1170/900
2. Make sure you don't use more 50% of your total CL 1150
3. The way you pay balance off before statement close is fine but certain CC
will not give back CL for current month even you pay it off. (It seems in
your case, it's fine)
4. Step #3 doesn't increase or reduce your credit score one (#1 and #2 does)
5. Step #3 may or may not cause problem with the CC issuer and it is YMMV.
In other words, citi may like it and chase may h... 阅读全帖 |
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W***y
发帖数: 305 | 18 I agree! If you bring the check to issuer's bank to cash it, you don't need
to have account with that bank. By showing your ID, you prove you are the
bearer of check, by going to check-issuing bank, the bank can verify the
availability of the fund in that account.
When you bring check to your own bank for deposit, they don't check issuer's
fund availability (or have no way to check for different banks), just use
your own account as guarantor. |
|
y****i
发帖数: 17878 | 19 https://sync.americanexpress.com/sbs2011
all is looking good
1. Limit one statement credit per registered Card
2. an "Eligible Card" is a valid American Express Consumer Card or Business
Card from American Express OPEN issued in the U.S. by AXP or by a licensed
third party bank issuer of AXP-branded Cards ("Licensed Issuers"). |
|
y****i
发帖数: 17878 | 20 https://sync.americanexpress.com/sbs2011
all is looking good
1. Limit one statement credit per registered Card
2. an "Eligible Card" is a valid American Express Consumer Card or Business
Card from American Express OPEN issued in the U.S. by AXP or by a licensed
third party bank issuer of AXP-branded Cards ("Licensed Issuers"). |
|
y****i
发帖数: 17878 | 21 an "Eligible Card" is a valid American Express Consumer Card or Business
Card from American Express OPEN issued in the U.S. by AXP or by a licensed
third party bank issuer of AXP-branded Cards ("Licensed Issuers").
www.americanexpress.com/OPEN
same last year |
|
s***x
发帖数: 638 | 22 http://www.capitaloneventure.com/details.html
Promotional miles available only to new Venture card customers that meet
the eligibility criteria and whose applications are received before the
promotion ends. Only one entry per person and per account. Customers
who participated in the 2011 "Match My Miles Challenge" may be
approved for a Venture card, but are not eligible for the Double Miles
Challenge program.
Minimum purchase required. Customer must make at least $1,000 in total
net purchases us... 阅读全帖 |
|
s******t
发帖数: 926 | 23 The general belief is that the network (Visa, AMEX) charges around 3.3% but
of course not all of them goes to card issuers (Fidelity, Chase, Citi, etc.)
. The money goes to issuers are believed to be around 2% or less. So,
considering overhead and technology costs, Fidelity should lose money on the
card alone.
But, you need to redeem them to Fidelity account. Even only half of the
customers have money in their account, Fidelity earns a lot of other fees
which would cover the cost.
Anyway, you do... 阅读全帖 |
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R******O
发帖数: 143 | 24 以前有人说，用ITIN，某些credit card issuer会把ITIN当SSN报给信用局。等以后有
了SSN，报给信用局让他们match，信用局说不能改SSN，因为SSN终身唯一。
不知道现在信用局是否对ITIN区别处理。或者ITIN只是credit card issuer用来识别身
份的，不报给信用局？ |
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d*******3
发帖数: 6550 | 25 楼主孤陋寡闻了吧,visa和mastercard都有90天的purchase protection，这个没什么稀
奇的，顶多只能说amex可能服务好一点，claim相对容易点而已。
Shop with confidence
Many Visa card purchases are protected against theft or damage for the first
90 days from the date of purchase.
Select other cardholders may also be eligible for this benefit. Check with
your issuer to see if you qualify. Certain restrictions, limitations, and
exclusions apply and benefit configuration may vary among Visa cards. To
learn which benefits apply to your card and for all ot... 阅读全帖 |
|
w****h
发帖数: 530 | 26 if it is closed by credit issuer, then other credit issuers will likely to
think you are of higher risk to them |
|
e*******e
发帖数: 9616 | 27 The card issuer plays too hard this time.
If obama reveal the card issuer, I would not use this card too. |
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t****d
发帖数: 3204 | 28 capital one and HSBC are the only profitable CC issuers during recession....
2006-2009
and they both subprime issuers |
|
a***e
发帖数: 1140 | 29 好不容易开了个saving，然后ACH转了5000，结果saving有这么一段小字：是否意味着
俺的saving APR只有2%啊。
还是说只有direct deposit 5k才能6%？
© 2015, ™ Mango Financial, Inc. All Rights Reserved.
The Mango® Prepaid MasterCard is issued by First Bank & Trust,
Brookings, SD, Member FDIC, pursuant to a license from MasterCard
International Incorporated. MasterCard and the MasterCard Brand Mark are
registered trademarks of MasterCard International Incorporated.
The funds transfer is a separate service provided by the issuer or the... 阅读全帖 |
|
f********8
发帖数: 514 | 30
在.
approved的话说明目前的密码就还是后四位
我也遇到过显示unauthorized please contact card issuer的小条
卡上的钱也没划走 那天我带错成subaccount的卡... 请问你带的是主serve卡吗
我后来什么都没做 也没联系card issuer
过了几天带着主卡再去就充得顺得不要不要的... |
|
w*n
发帖数: 5041 | 31 【 以下文字转载自 Money 讨论区 】
发信人: yudeli (babe), 信区: Money
标 题: AmEx SBS 2011 registration link goes live
发信站: BBS 未名空间站 (Tue Nov 1 03:05:48 2011, 美东)
https://sync.americanexpress.com/sbs2011
all is looking good
1. Limit one statement credit per registered Card
2. an "Eligible Card" is a valid American Express Consumer Card or Business
Card from American Express OPEN issued in the U.S. by AXP or by a licensed
third party bank issuer of AXP-branded Cards ("Licensed Issuers"). |
|
j******u
发帖数: 41683 | 32 ☆─────────────────────────────────────☆
wwn (神勇的小蝎) 于 (Tue Nov 1 10:14:11 2011, 美东) 提到:
发信人: yudeli (babe), 信区: Money
标 题: AmEx SBS 2011 registration link goes live
发信站: BBS 未名空间站 (Tue Nov 1 03:05:48 2011, 美东)
https://sync.americanexpress.com/sbs2011
all is looking good
1. Limit one statement credit per registered Card
2. an "Eligible Card" is a valid American Express Consumer Card or Business
Card from American Express OPEN issued in the U.S. by AXP or by a licensed
third party bank iss... 阅读全帖 |
|
h*********o
发帖数: 1265 | 33 这位说话经常说半句，不用理了！
让他赚6块发财
Capital One is the latest credit card issuer to offer digital coupons
through a mobile app.
The company said it recently rolled out the new program called "Mobile Deals
," which can be accessed by smartphone or via email. Cardholders simply
download the app, click on the deal icon and start getting discounts from
retailers.
Cardholders don't have to actively accept deals to get them. All they need
to do is shop at the retailer offering the deal -- either at the store or
o... 阅读全帖 |
|
g*******n
发帖数: 160 | 34 UPDATE 1-Card issuer shares decline as new regulation looms
Fri May 14, 2010 10:27am EDT
Related News
* Card issuer shares decline as new regulation looms
9:20am EDT
* Card companies fall after Senate vote
8:42am EDT
* WRAPUP 3-US Senate backs curbs on credit raters, card fees
Thu, May 13 2010
* Senate votes to curb credit, debit card fees
Thu, May 13 2010
* Senate votes to curb credit, debit card fees
Thu, May 13 2010 |
|
y***r
发帖数: 16594 | 35 Meredith A. Whitney, the bank analyst who jumped from obscurity to celebrity
by correctly predicting that deteriorating finances would force Citigroup (
C)to cut its dividend in 2007, is having less success divining stock market
winners and losers. Since Whitney founded her own firm last year, about two-
thirds of her picks have fared worse than market indexes. Missed calls
include Visa (V), the payments network that fell 14 percent from May 4, when
Whitney named it her "single best buy," throug... 阅读全帖 |
|
S*******s
发帖数: 13043 | 36 UVXY is ETF. -- it is like a fund, the issuer is just portfolio manager,
when you buy it, you buy the portfolio. so there could be tracking error,
and no credit risk.
TVIX is ETN -- the issuer guarantee the value of the notes, until they file
bankrupt. there is no tracking error, but with credit risk.
both can be traded at price different than its underlying value. for now,
the TVIX has limit supply. thus it is traded at premium. |
|
e******s
发帖数: 231 | 37 谢谢
明白点了
我还得再想想
请看这一段
The main ways of issuing shares in an IPO are:
• Primary offering. The issuer offers and sells newly
issued shares in an underwritten offering.
• Secondary offering. Shareholders of the issuer offer
and sell already outstanding shares in an underwritten
offering; however, this is often not done in an IPO
because there can be a negative market perception when
insiders sell. |
|
k**********4
发帖数: 16092 | 38 Standard & Poor's says it is to be sued by the US government over the credit
ratings agency's assessment of mortgage bonds before the financial crisis.
The civil lawsuit would focus on S&P's high ratings in 2007 for some
mortgage-backed securities that later collapsed in value, said the agency.
S&P says the case is entirely without factual or legal merit.
The suit would be the first such case over alleged wrongdoing by a ratings
agency tied to the financial crisis.
S&P said the justice departmen... 阅读全帖 |
|
|
E**********r
发帖数: 2743 | 40 备份：
发信人: harrypotter (亲嘴怪兽), 信区: Stock
标 题: 今天进了点SODA
发信站: BBS 未名空间站 (Tue Feb 11 09:40:27 2014, 美东)
因为：
1. Short squeeze
2. Coke 和GRMC的deal 让人YY联翩
3. SuperBowl 广告总不能白搭巴。
发信人: tony123 (tony), 信区: Stock
标 题: mpo 要彪了
发信站: BBS 未名空间站 (Tue Feb 11 15:36:33 2014, 美东)
如果今天收盘涨10%+，发包子，
发信人: rcols (老虎打武松), 信区: Stock
标 题: OPTT
发信站: BBS 未名空间站 (Tue Feb 11 11:34:14 2014, 美东)
开盘买了点居然狂爆了,真运气, 垃圾股也有春天?
发信人: allence (艾伦斯), 信区: Stock
标 题: Re: 这轮大麻行情大家一定赚了不少吧？
发信站: BBS 未名空间站 (Mon Feb 10 10:15... 阅读全帖 |
|
q********r
发帖数: 7 | 41 看股版牛人很多关注低估的价值股，寻找反弹猛烈的黑马，在此也抛砖引玉
SHOS 全称是Sears Hometown & Outlet Stores，由Sears Holding spin-off独立上市
，Hedge fund manager Edward Lampert 的重仓股。
http://finance.yahoo.com/q?s=shos&ql=1
这家公司市值$500M，是一只被忽略的价值股。股票起价30，去年一路飚升近60。零售
业去年下半年开始不景气，受JCP等整体影响，下滑到现在20左右。和萧条的服饰与电
子retailer（JCP，BBY）不同，SHOS 一直是盈利的（P/E 12，EV/EBITDA 7）。公司主
营大型家电，如Kenmore冰箱洗衣机，和Craftsman系列家用工具。目前旗下四种店(
Hometown, Appliance, Hardware, Outlet)。由于大型家电通常需要实地考察，本地运
送，所以基本不受来自Amazon的压力。
SHOS来自Sears, 但和我们看到的Sears百货商店不同，在于
1. SHOS只卖硬件。除草机... 阅读全帖 |
|
M****n
发帖数: 411 | 42 果然，银杏说的对。这么暴涨是因为ticker的缘故吗？
补做下research：
The Herzfeld Caribbean Basin Fund's investment objective is long-term
capital appreciation. To achieve its objective, the Fund invests in issuers
that are likely, in the Advisor's view, to benefit from economic, political
, structural and technological developments in the countries in the
Caribbean Basin, which consist of Cuba, Jamaica, Trinidad and Tobago, the
Bahamas, the Dominican Republic, Barbados, Aruba, Haiti, the Netherlands
Antilles, the Commonw... 阅读全帖 |
|
m****s
发帖数: 707 | 43 发表于 2015-01-23 14:50 |只看楼主
Capital One那么多中国人，一定炸锅了吧。。。。。。
据说3年搞了300w?
http://mobile.reuters.com/article/idUSKBN0KV26Y20150122?irpc=93
U.S. regulators sue former Capital One employees for insider trading Thu
Jan 22, 2015 12:43pm EST
By Nate Raymond
(Reuters) - U.S. securities regulators have accused two former Capital One
Financial Corp data analysts with engaging in insider trading based on sales
data the credit card issuer had collected from millions of its customers.
The U.S. Securi... 阅读全帖 |
|
z**********3
发帖数: 11979 | 44 【 以下文字转载自 Military 讨论区 】
发信人: bingya (bing), 信区: Military
标 题: 又抓了两老中
发信站: BBS 未名空间站 (Fri Jan 23 16:45:56 2015, 美东)
(Reuters) - U.S. securities regulators have accused two former Capital One
Financial Corp data analysts with engaging in insider trading based on sales
data the credit card issuer had collected from millions of its customers.
The U.S. Securities and Exchange Commission on Wednesday filed a lawsuit in
federal court in Philadelphia against Bonan Huang and Nan Huang, saying the
analy... 阅读全帖 |
|
P*C
发帖数: 6109 | 45 不知道aaddoo 大牛的UWTI 价格算法是真的做了研究还是自己拍脑袋想出来的
我简单看了一下 credit suisse 官方的说明文件 和 其他信息 简单说一下 我个人的
看法
UWTI 是三倍杠杆于追踪 标普 gsci crude oil index er.:spgsclp 的etn.
也就是说 uwti 的价格是追踪 spgsclp “值” 或者说“变化量”三倍的，而不是 变
化“率”的三倍的
首先etn 不是eft , etn 是一个issuer 和 买etn 人之间的承诺 UWTI issuer credit
suisse 承诺按照 scgaclp 某个固定比率值下的值 三倍给持有uwti 人payment的承诺.
说白
了就是俩人赌博，credit Suisse
没有任何实际资产投资。
就是说 比如某天
Spgsclp 为100
Uwti 300
明天 spgsclp 涨10%为 110
Credit Suisse 承诺的价格也就是UWTI 当前价格变为 330
第二天 spgsclp 跌 10%为 109
UWTI 价格变为 327。
比率仍然为3。
Note: cr... 阅读全帖 |
|
x*********n
发帖数: 28013 | 46 我已经说了AP是怎养赚钱的。
不然你以为人家傻，买一堆股票，等值ETF卖出去，弄1堆手续费，然后白白亏钱送钱给
市场吗？
ETF issuer，通常是broker，可以赚散户的commission，
AP，可以和ETF issuer合作套利，所以会track index |
|
x*********n
发帖数: 28013 | 47 这篇文章写得比较比我的好，更通俗易懂。但是有几个问题
1. “大户”，专业术语是AP，是出钱搞ETF的人，不是ETF issuer，这个玩家只有一个
，比如ASHR，就是DB自己。
2. 当redemption、creation的时候，玩家只有DB一个人。
3. 这个机制的成本是很低的，为什么呢。第一，这个操作和ETF issuer （通常是
broker）关联。第二，我们可以看到管理费里面的交易cost是很低的。如果交易费大于
2%，那么总体管理费就要大于2%，事实上，没有一个ETF 管理费高于2%的。
4. SPY的 premium discount低更重要的原因是liquidity高。cap size大，这样即便是
有favor出现，这个premium比例会很小。
5. 所谓的outstanding ETF shares，被驱动成premium，不仅仅是小散，ETF都是有机
构和fund参与的，他们也是通过public market也就是2级市场买卖的。至于有没有在1
及市场1开始就买了，这个不好说，但是从每月每Q的holding看，他们也是通过2及市场
买卖的。
对比CAF， ... 阅读全帖 |
|
s******7
发帖数: 446 | 48 Bond Yield
Yield is a general term that relates to the return on the capital you invest
in a bond. You hear the word "yield" often with respect to bond investing.
There are, in fact, a number of types of yield. The terms are important to
understand because they are used to compare one bond with another to find
out which is the better investment.
Coupon yield is the annual interest rate established when the bond is issued
. It's the same as the coupon rate and is the amount of income you collect
... 阅读全帖 |
|
x*********n
发帖数: 28013 | 49 95块5%的5年bond，是有nominal yield的。
任何金融产品都有供需关系，这个不用解释。
CD到了10%，造成的现象是，
95的本金，5年可以赚 9.5x 5=47.5.
95的bond，5年可以赚 5 + 5x5= 30
所以CD划算，那么在CD 10第一年的时候，
就会有人bond卖掉，issuer的人也觉得不划算了，它会issuer新的bond，这样原来的
bond价格就会低，理论上，这样就要lose money。
这就是他们说的机会成本，因为没人买，价格越来越低，我宁可亏本卖掉，我还可以买
高收益的CD。
但是现实基准利率0.25，也就是25个points，变化是很小的。5年到了我还是原来的合
同拿钱，就不亏了。
现实中，并不是像个人这样考虑，会有买卖，自然就会有人割肉，然后买更高收益的。
利率这里波动小。0.25的 25个basic points影响很小。
如果
100块的bond我50买来，但是锁定30年，那么25个basic points对bond价格影响自己超
级无敌大，这个时候会有踩踏，margin call。
LA的bond之王不就是玩这种的吗？
m... 阅读全帖 |
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k*******v
发帖数: 176 | 50 http://www.lawfirms.com/resources/criminal-defense/criminal-off
Writing a bad check with fraudulent purposes is a serious offense
accompanied by serious check fraud penalties for those found guilty. Check
fraud specifically may involve signing another person’s name to a check,
forging a signed endorsement or signature on a check, altering the writing
on a check, constructing a fake check, or purposely writing bad checks to
merchants. Check fraud laws may also vary state to state. Depending on t... 阅读全帖 |
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