Lending Tree Commercial

[Bob DylanParticipant 1352]

A 30-something woman stares wistfully at a dress shop window with banners advertising a 75% discount sale.
Alas, with the credit cards maxxed out, she can’t partake of the huge consumption opportunity.
But Wait !
With a loan from Lending Tree, she can consolidate the credit card balances with a monthly payment that is less than continuing the credit card payments.
It’s A Miracle !
We now see a super-confident woman, at home, making her children and husbank so much happier than ever before.
She is so pleased with her own financial genius, and with the credit card balances now at zero, she is planning a shopping spree to celebrate !

Just brings tears to my eyes…..How about you ???

..it ain't me babe...it ain't me you're looking for, babe...

[Branched offParticipant 11021]

Such adverts should be illegal. Women lack the intelligence to see through them and they are easily lead by their desires.

Who will bail her out later? A man of course one way or another a man, either her husband or the tax payer or the bank will have to charge the non defaulters more on their loans and they will be mostly men. In the end men pay -that is what they are there for.

A woman is like fire -fun to play with, can warm you through and cook your food, needs constant feeding, can burn you and consume all you own

[HermitParticipant]

Blowing even more money on interest, because you spent money you didn’t have in the first place.

I like my credit card because I can use it to buy stuff off the internet, but I only run up a debt on it that I will be able to pay off in full when the bill comes due, so I don’t pay any interest and I have never paid any interest on a credit card in my life. It’s a nice tool if used wisely. I used to have a very large limit on my card, but they actually lowered it because I have never come close to the limit.

The evil in women’s hearts leaves them no moral bounds as to inhibit them from descending to the lowest levels of darkness to acquire their self entitled desires.

[BeerParticipant 11832]

Hermit wrote:

I like my credit card because I can use it to buy stuff off the internet, but I only run up a debt on it that I will be able to pay off in full when the bill comes due, so I don’t pay any interest and I have never paid any interest on a credit card in my life. It’s a nice tool if used wisely.

Definitely…its a great convenience item. I don’t carry much cash with me, and when I have to use cash its annoying to get a pocket full of change. Its so much easier to just swipe a card and move along. I also get cash back rewards every time I swipe it. I’ve had a credit card since I was in high school. I have never paid any interest on a credit card, ever, and in the last few years since I got a reward card they have actually paid me 700 dollars for using it.

The fact that they can literally pay people like me to use their product shows just how much they stand to make when people do dumb s~~~ like max out their cards buying dresses and paying the minimum each month.

[HermitParticipant]

Beer wrote:

Hermit wrote:

I like my credit card because I can use it to buy stuff off the internet, but I only run up a debt on it that I will be able to pay off in full when the bill comes due, so I don’t pay any interest and I have never paid any interest on a credit card in my life. It’s a nice tool if used wisely.

Definitely…its a great convenience item. I don’t carry much cash with me, and when I have to use cash its annoying to get a pocket full of change. Its so much easier to just swipe a card and move along. I also get cash back rewards every time I swipe it. I’ve had a credit card since I was in high school. I have never paid any interest on a credit card, ever, and in the last few years since I got a reward card they have actually paid me 700 dollars for using it.
The fact that they can literally pay people like me to use their product shows just how much they stand to make when people do dumb s~~~ like max out their cards buying dresses and paying the minimum each month.

“Convenience” is right. My debit card has spoiled me to the point that I stopped carrying cash altogether. Then I went someplace where their card machine wasn’t working and all they were accepting was cash. I had none so I had to go somewhere else.

Recently I bought a new gun and the guy said I could save around $70.00 if I paid cash due to the fact that the store had to pay a percentage when running cards. I’ve started to carry cash again. You never know when you’re gonna’ need it.

The funny thing is, for me, it’s the opposite of what most people say. I’ve heard that if you use a card, you’ll spend more money because you can’t see your cash disappearing. For whatever reason, if I have cash, I’m likely to spend that first and it goes quickly, whereas with a card, I think before I swipe.

The evil in women’s hearts leaves them no moral bounds as to inhibit them from descending to the lowest levels of darkness to acquire their self entitled desires.

[narwhalParticipant]

Hermit wrote:

like my credit card because I can use it to buy stuff off the internet, but I only run up a debt on it that I will be able to pay off in full when the bill comes due, so I don’t pay any interest and I have never paid any interest on a credit card in my life.

This was me before I was married. And that’s also me after my divorce. The only time I’ve ever had credit card debt is when I was married, coincidentally enough.

Branched off wrote:

Who will bail her out later? A man of course one way or another a man, either her husband or the tax payer or the bank will have to charge the non defaulters more on their loans and they will be mostly men. In the end men pay -that is what they are there for.

It doesn’t exactly work that way. The banks earns money on transactional fees (paid by the vendor) as well as interested payments from the card holder. So they earn money when you use your card a lot and when you don’t pay off your debt. When a person decides to do a consolidated loan, the bank has already made a lot of money off you and now gets the principle back, or at least a significant part. Overall, it’s a win, and even when it’s not, it was well worth the risk for them. The bank that does the consolidated loan is getting it at a higher rate then they would from a normal collateral backed loan. It’s a higher risk, but higher reward.

But men aren’t really paying for their financial mistakes, unless you marry her of course. You’re ability to get a loan and the interest rates available to you are a factor of your own credit rating and what the current market rates for rates. And the market is about all types of loans, commercial and consumer. If the bank can buy a bond with a 5% interest rate, they aren’t going to offer you a home loan for 4% (higher risk, lower reward)

Ok. Then do it.

[Mr. SpockParticipant 10924]

Women blowing more on s~~~ that they don’t need with money thta they don’t have. Who would’ve thought?

Feminism isn't about equality with men, it's about leverage over men.

[Secret Agent MGTOWParticipant 22564]

Branched off wrote:

Such adverts should be illegal. Women lack the intelligence to see through them and they are easily lead by their desires.
Who will bail her out later? A man of course one way or another a man, either her husband or the tax payer or the bank will have to charge the non defaulters more on their loans and they will be mostly men. In the end men pay -that is what they are there for.

Credit cards and electronic payments should be illegal for women.

Women want everything, but want responsibility and accountability for nothing.

[HermitParticipant]

Secret Agent MGTOW wrote:

Branched off wrote:

Such adverts should be illegal. Women lack the intelligence to see through them and they are easily lead by their desires.Who will bail her out later? A man of course one way or another a man, either her husband or the tax payer or the bank will have to charge the non defaulters more on their loans and they will be mostly men. In the end men pay -that is what they are there for.

Credit cards and electronic payments should be illegal for women.

So should driving, voting, talking……………………..

The evil in women’s hearts leaves them no moral bounds as to inhibit them from descending to the lowest levels of darkness to acquire their self entitled desires.

[BoarParticipant]

In many ways, that commercial is rather telling. Retailers and financiers know which gender does most of the spending. The earning is not their concern. The advertisers know which gender is most easily swayed by emotional appeal. These institutions do not give a rats ass where the chips fall: they know who will be ultimately be paid and that is all they care about.

Untamed wrote: Quit complaining and Go Your Own Way in whatever manner suits you best.

[OgreParticipant 5863]

I shook the bad habits, but I couldn’t shake the debt.

As long as she or the husbank makes the payments she’ll be free to celebrate her divorce like a rockstar very soon.

I failed to realize in my youth that I was the prize. I was going to work. I was going to earn. Little did I realize that due to feminism, that no longer meant I had to share. Road soon, Desert after.

[Branched offParticipant 11021]

narwhal wrote:

Hermit wrote:

like my credit card because I can use it to buy stuff off the internet, but I only run up a debt on it that I will be able to pay off in full when the bill comes due, so I don’t pay any interest and I have never paid any interest on a credit card in my life.

This was me before I was married. And that’s also me after my divorce. The only time I’ve ever had credit card debt is when I was married, coincidentally enough.

Branched off wrote:

Who will bail her out later? A man of course one way or another a man, either her husband or the tax payer or the bank will have to charge the non defaulters more on their loans and they will be mostly men. In the end men pay -that is what they are there for.

It doesn’t exactly work that way. The banks earns money on transactional fees (paid by the vendor) as well as interested payments from the card holder. So they earn money when you use your card a lot and when you don’t pay off your debt. When a person decides to do a consolidated loan, the bank has already made a lot of money off you and now gets the principle back, or at least a significant part. Overall, it’s a win, and even when it’s not, it was well worth the risk for them. The bank that does the consolidated loan is getting it at a higher rate then they would from a normal collateral backed loan. It’s a higher risk, but higher reward.
But men aren’t really paying for their financial mistakes, unless you marry her of course. You’re ability to get a loan and the interest rates available to you are a factor of your own credit rating and what the current market rates for rates. And the market is about all types of loans, commercial and consumer. If the bank can buy a bond with a 5% interest rate, they aren’t going to offer you a home loan for 4% (higher risk, lower reward)

Thing is that she will probably default on the consolidated loan. Why not? She has got away with it all before.

Banks make profits. Its only fair. To do that they have to make profit from those who do pay off loans to cover the cost of those who do not. So while a good guy gets 4% and a risky one 7%, the good guy could have paid 3% and the riskier guy 5% if it was not for all the lazy arse defaulters (like many women) who see default not as the last option but as the easy option. Everyone has to pay more to cover the lazy arse defaults. I accept that there are more risky loans and less risky ones but there is a huge difference between fighting tooth and nail to make repayments but the business failing and buying loads of bloody singing soft toys and electronic gadgets and taking holidays and then just saying “oh no I can’t pay it off because then how would I get my nails done?”

A woman is like fire -fun to play with, can warm you through and cook your food, needs constant feeding, can burn you and consume all you own

[narwhalParticipant]

Branched off wrote:

Thing is that she will probably default on the consolidated loan. Why not? She has got away with it all before.

I could be off on this, but this surely result in a negative credit score. The consolidated date will certainly impact her ability to get another credit card, get a high limit on her card, and get a conventional loan.

Branched off wrote:

Banks make profits. Its only fair. To do that they have to make profit from those who do pay off loans to cover the cost of those who do not. So while a good guy gets 4% and a risky one 7%, the good guy could have paid 3% and the riskier guy 5% if it was not for all the lazy arse defaulters (like many women) who see default not as the last option but as the easy option. Everyone has to pay more to cover the lazy arse defaults.

Again, I don’t think this is true. Not directly anyway. First off, we aren’t talking about credit card rates as those are always in the high teens at a minimum. And I don’t care what the rate is anyway, since I never pay it. The 4-7% would be home or auto loan rate. What drives those rates are my own credit rating, and the current market rate, and banks competing to service the loan. It should not matter if woman X can’t repay her credit card and killed her credit. In fact it could help me out as there are now less people in the market for a loan, meaning would have to offer better rates to get my business. Supply and demand.

I get that the banks would be pushed to get more revenue from me, since they can’t get it from her. However, I think they are more likely to write off the loss and change the terms for those of similar credit risk to the customers that defaulted on their loans., rather than lose the business of good customers.

Ok. Then do it.

[MonkParticipant 17057]

If wimmin are so intelligent, then why are all adverts for moneylenders and gambling sites aimed at them?

[JVBParticipant]

Don’t forget that Lending Tree does this all for free too !! Win win.

Peace is > piece.

[JB BooksParticipant 3182]

Doesn’t bother me when women waste money on useless crap. I’ve got a lot of miles on major airlines by using their cards. Usin’ miles for my vacation this Summer. Never run a balance on any charge card.

We just don't realize life's most significant events while they're happening. Back then, I thought, "Well, there'll be other days". I didn't realize that that was the only day. - "Moonlight" Graham

[Oz-BlokeParticipant 3233]

Was talking to a work colleague who said his single-mother sister just bought her 13-yearold daughter the latest $1,600 (AUD) iPhone Sx for her birthday on a payment plan. At $70 a month it will take mum 23 months to pay off the phone, by which time the daughter will expect a new phone. Talk about s~~~-for-brains. I was always taught that with the exception of a house or college tuition, if you don’t have the money, don’t buy it (though I am now still doubtful about college tutions).
.

#ManOut

[FunInTheSunParticipant 8286]

Lusting after stuff in a store window. Um…that’s the reason why her credit cards are maxed out!

I have an idea: spend some money on a box of Cheerios for your kid instead of buying something you don’t need at 75% off!

"I saw that there comes a point, in the defeat of any man of virtue, when his own consent is needed for evil to win-and that no manner of injury done to him by others can succeed if he chooses to withhold his consent. I saw that I could put an end to your outrages by pronouncing a single word in my mind. I pronounced it. The word was ‘No.’" (Atlas Shrugged)

[Sky-OParticipant 18952]

Branched off wrote:

Who will bail her out later? A man of course one way or another a man, either her husband or the tax payer or the bank will have to charge the non defaulters more on their loans and they will be mostly men. In the end men pay -that is what they are there for.

The ‘money’ isn’t even real.

It’s all a shell game & smoke and mirrors.

[EyeswideopenParticipant 2930]

I’ve never paid a cent in credit card interest in the last 20+ years since I’ve had a credit card. I use it daily for all my needs and pay it off immediately with a cash transfer. It is way more convenient than cash and I get cash back rewards. Despite being a minimalist, just in living daily life, I’m able to accumulate $500-600/year in cash back. This I use to either donate to charity (giving me a further tax deduction) or I buy more precious metals with it.

In all fairness, both males and females abuse credit – it’s not necessarily a gender specific problem. Yet, their is a pumpkin somewhere in that reaction chain of events that made a demand to cause the expenditure on the vast majority of occasions. Be it buying new rims in the vain hope that somehow it will get you laid because you are perceived as cool, or paying for dinner, money is being spent and debt accumulated.

Women purchase for the emotional high, men purchase in the hopes of getting their bean waxed.

- Marriage is described as an institution. You would have to be crazy to be commited to it. -"If you want to live a happy life, tie it to a goal. Not people or things" Albert Einstein

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