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LTT sponsor for credit card that uses your own account....

Majoram

Hello all,

I saw this sponsor once on a video within the last couple of months, I think.

They are not a regular sponsor, so they are not on the sponsors list page.

 

Does anyone recall the company?

 

UPDATE:
I finally remembered something about the video.

 

Someone asked about "investing" in LTT.
Not quite an investment as they would just like to give the money to help with growth.

Linus talked about his philosophy that there always has to be some equivalent benefit to the investor. And he is not clear on what that should be for someone "giving" money to them.


Then he mentioned how they don't really need the investment because of an alternate company? they signed up with

Since they are not a "traditional" business, the old banks did not like extending credit but they have been established for a few years now and so that's better.

BUT with the other company, non-traditional businesses are treated better AND the credit they have with them is not counted as part of the traditional credit system. So it doesn't count against them.
This company is the one I am looking for. I guess it wasn't a sponsor.
I THINK this was on a WAN SHOW but I have tried going through a few so far and no luck.

Edited by Majoram
Added update
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Privacy.com?

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Yeah, that sounds like Privacy. They've sponsored a few tech channels in the past, including LTT, Snazzy Labs, and similar. 

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So does this just destroy anti-fraud measures websites use to determine if you are carding?

ƆԀ S₱▓Ɇ▓cs: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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10 minutes ago, BuckGup said:

So does this just destroy anti-fraud measures websites use to determine if you are carding?

It's mainly used as a way to limit the amount of money that can be charged to the card in the event the card number gets out. For example - the card number below was a valid number, but it could only be used for up to $5. Given that it was intentionally posted in a YouTube video those funds are basically guaranteed to be gone now. 

 

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27 minutes ago, BondiBlue said:

It's mainly used as a way to limit the amount of money that can be charged to the card in the event the card number gets out. For example - the card number below was a valid number, but it could only be used for up to $5. Given that it was intentionally posted in a YouTube video those funds are basically guaranteed to be gone now. 

 

1280051480_ScreenShot2021-12-13at12_52_40PM.png.fc03f30c51c952a6470e12f9e1c5c8ed.png

Right I understand the purpose but it opens a new can of fraud possibilities. 

ƆԀ S₱▓Ɇ▓cs: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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̌̅̒̾̈́̆͌̌̾̎̽̐̅̏́̈̔͛̀̋̃͊̒̓͗͒̑͒̃͂̌̄̇̑̇͛̆̾͛̒̇̍̒̓̀̈́̄̐͂̍͊͗̎̔͌͛̂̏̉̊̎͗͊͒̂̈̽̊́̔̊̃͑̈́̑̌̋̓̅̔́́͒̄̈́̈̂͐̈̅̈̓͌̓͊́̆͌̉͐̊̉͛̓̏̓̅̈́͂̉̒̇̉̆̀̍̄̇͆͛̏̉̑̃̓͂́͋̃̆̒͋̓͊̄́̓̕̕̕̚͘͘͘̚̕̚͘̕̕͜͜͝͝͝͠͝͝͝͝͠ͅS̷̢̨̧̢̡̨̢̨̢̨̧̧̨̧͚̱̪͇̱̮̪̮̦̝͖̜͙̘̪̘̟̱͇͎̻̪͚̩͍̠̹̮͚̦̝̤͖̙͔͚̙̺̩̥̻͈̺̦͕͈̹̳̖͓̜͚̜̭͉͇͖̟͔͕̹̯̬͍̱̫̮͓̙͇̗̙̼͚̪͇̦̗̜̼̠͈̩̠͉͉̘̱̯̪̟͕̘͖̝͇̼͕̳̻̜͖̜͇̣̠̹̬̗̝͓̖͚̺̫͛̉̅̐̕͘͜͜͜͜ͅͅͅ.̶̨̢̢̨̢̨̢̛̻͙̜̼̮̝̙̣̘̗̪̜̬̳̫̙̮̣̹̥̲̥͇͈̮̟͉̰̮̪̲̗̳̰̫̙͍̦̘̠̗̥̮̹̤̼̼̩͕͉͕͇͙̯̫̩̦̟̦̹͈͔̱̝͈̤͓̻̟̮̱͖̟̹̝͉̰͊̓̏̇͂̅̀̌͑̿͆̿̿͗̽̌̈́̉̂̀̒̊̿͆̃̄͑͆̃̇͒̀͐̍̅̃̍̈́̃̕͘͜͜͝͠͠z̴̢̢̡̧̢̢̧̢̨̡̨̛̛̛̛̛̛̛̛̲͚̠̜̮̠̜̞̤̺͈̘͍̻̫͖̣̥̗̙̳͓͙̫̫͖͍͇̬̲̳̭̘̮̤̬̖̼͎̬̯̼̮͔̭̠͎͓̼̖̟͈͓̦̩̦̳̙̮̗̮̩͙͓̮̰̜͎̺̞̝̪͎̯̜͈͇̪̙͎̩͖̭̟͎̲̩͔͓͈͌́̿͐̍̓͗͑̒̈́̎͂̋͂̀͂̑͂͊͆̍͛̄̃͌͗̌́̈̊́́̅͗̉͛͌͋̂̋̇̅̔̇͊͑͆̐̇͊͋̄̈́͆̍̋̏͑̓̈́̏̀͒̂̔̄̅̇̌̀̈́̿̽̋͐̾̆͆͆̈̌̿̈́̎͌̊̓̒͐̾̇̈́̍͛̅͌̽́̏͆̉́̉̓̅́͂͛̄̆͌̈́̇͐̒̿̾͌͊͗̀͑̃̊̓̈̈́̊͒̒̏̿́͑̄̑͋̀̽̀̔̀̎̄͑̌̔́̉̐͛̓̐̅́̒̎̈͆̀̍̾̀͂̄̈́̈́̈́̑̏̈́̐̽̐́̏̂̐̔̓̉̈́͂̕̚̕͘͘̚͘̚̕̚̚̚͘̕̕̕͜͜͝͠͠͝͝͝͝͠͝͝͝͠͝͝͝͝͝͝ͅͅͅī̸̧̧̧̡̨̨̢̨̛̛̘͓̼̰̰̮̗̰͚̙̥̣͍̦̺͈̣̻͇̱͔̰͈͓͖͈̻̲̫̪̲͈̜̲̬̖̻̰̦̰͙̤̘̝̦̟͈̭̱̮̠͍̖̲͉̫͔͖͔͈̻̖̝͎̖͕͔̣͈̤̗̱̀̅̃̈́͌̿̏͋̊̇̂̀̀̒̉̄̈́͋͌̽́̈́̓̑̈̀̍͗͜͜͠͠ͅp̴̢̢̧̨̡̡̨̢̨̢̢̢̨̡̛̛͕̩͕̟̫̝͈̖̟̣̲̖̭̙͇̟̗͖͎̹͇̘̰̗̝̹̤̺͉͎̙̝̟͙͚̦͚͖̜̫̰͖̼̤̥̤̹̖͉͚̺̥̮̮̫͖͍̼̰̭̤̲͔̩̯̣͖̻͇̞̳̬͉̣̖̥̣͓̤͔̪̙͎̰̬͚̣̭̞̬͎̼͉͓̮͙͕̗̦̞̥̮̘̻͎̭̼͚͎͈͇̥̗͖̫̮̤̦͙̭͎̝͖̣̰̱̩͎̩͎̘͇̟̠̱̬͈̗͍̦̘̱̰̤̱̘̫̫̮̥͕͉̥̜̯͖̖͍̮̼̲͓̤̮͈̤͓̭̝̟̲̲̳̟̠͉̙̻͕͙̞͔̖͈̱̞͓͔̬̮͎̙̭͎̩̟̖͚̆͐̅͆̿͐̄̓̀̇̂̊̃̂̄̊̀͐̍̌̅͌̆͊̆̓́̄́̃̆͗͊́̓̀͑͐̐̇͐̍́̓̈́̓̑̈̈́̽͂́̑͒͐͋̊͊̇̇̆̑̃̈́̎͛̎̓͊͛̐̾́̀͌̐̈́͛̃̂̈̿̽̇̋̍͒̍͗̈͘̚̚͘̚͘͘͜͜͜͜͜͜͠͠͝͝ͅͅͅ☻♥■∞{╚mYÄÜXτ╕○\╚Θº£¥ΘBM@Q05♠{{↨↨▬§¶‼↕◄►☼1♦  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2 hours ago, BondiBlue said:

Yeah, that sounds like Privacy. They've sponsored a few tech channels in the past, including LTT, Snazzy Labs, and similar. 

Not sure. Can you still build a credit history with them?

And do you actually need to have a credit card in order to use them?

It's for a newly immigrated family and while they have a credit card from their home country.

They don't have a Canadian one though and some situations require your card match the country you are in.

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1 hour ago, Majoram said:

Not sure. Can you still build a credit history with them?

I wouldn't think so because it's not a line of credit. It just looks like a PAYG debit card

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If they have an address they can still get a secured card through the bank

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2 hours ago, Majoram said:

Not sure. Can you still build a credit history with them?

And do you actually need to have a credit card in order to use them?

It's for a newly immigrated family and while they have a credit card from their home country.

They don't have a Canadian one though and some situations require your card match the country you are in.

Why are americans so obsessed with building a credit history?

isn't it counter intuitive to have lots of debt, as opposed to a large balance on your card?

 

Here in the EU its normal for people not to have debt or build up debt to get large loans.

-------------

As to reply to your question: NO you cannot build up a credit history trough Privacy. though your normal card would show the large balance taken from 1 source [privacy]

 

 

the service is mostly to prevent creditcard scams/fraud. [like those free trial/free item scams, that suddenly give you a 1000$ a month fee, with no way to cancel it, other than cancel that creditcard]

╔═════════════╦═══════════════════════════════════════════╗
║__________________║ hardware_____________________________________________________ ║
╠═════════════╬═══════════════════════════════════════════╣
║ cpu ______________║ ryzen 9 5900x_________________________________________________ ║
╠═════════════╬═══════════════════════════════════════════╣
║ GPU______________║ ASUS strix LC RX6800xt______________________________________ _║
╠═════════════╬═══════════════════════════════════════════╣
║ motherboard_______ ║ asus crosshair formulla VIII______________________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ memory___________║ CMW32GX4M2Z3600C18 ______________________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ SSD______________║ Samsung 980 PRO 1TB_________________________________________ ║
╠═════════════╬═══════════════════════════════════════════╣
║ PSU______________║ Corsair RM850x 850W _______________________ __________________║
╠═════════════╬═══════════════════════════════════════════╣
║ CPU cooler _______ ║ Be Quiet be quiet! PURE LOOP 360mm ____________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ Case_____________ ║ Thermaltake Core X71 __________________________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ HDD_____________ ║ 2TB and 6TB HDD ____________________________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ Front IO__________   ║ LG blu-ray drive & 3.5" card reader, [trough a 5.25 to 3.5 bay]__________║
╠═════════════╬═══════════════════════════════════════════╣ 
║ OS_______________ ║ Windows 10 PRO______________________________________________║
╚═════════════╩═══════════════════════════════════════════╝

 

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16 hours ago, darknessblade said:

Why are americans so obsessed with building a credit history?

isn't it counter intuitive to have lots of debt, as opposed to a large balance on your card?

 

Here in the EU its normal for people not to have debt or build up debt to get large loans.

-------------

As to reply to your question: NO you cannot build up a credit history trough Privacy. though your normal card would show the large balance taken from 1 source [privacy]

 

 

the service is mostly to prevent creditcard scams/fraud. [like those free trial/free item scams, that suddenly give you a 1000$ a month fee, with no way to cancel it, other than cancel that creditcard]

Good question. First, I am Canadian but I understand where you are coming from.
It is definitely a North American thing.

The reason is that a lot of financial decisions are made based on credit history.
Cellphone plans, cable TV, cars and homes 99% of the time require a credit check.

Companies and institutions have set it up so that it's near impossible to do without it.

It is unfortunate and I don't like it myself. It's not even a logical system because each place has a different way of factoring in your credit history.

 

Granted people can do without but for newcomers to North America (from say the Caribbean), there is quite a learning curve for everything.

Getting a credit history is just easier and less stressful than adding it to all the other things you need to figure out.

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20 hours ago, darknessblade said:

Why are americans so obsessed with building a credit history?

 

Can't even buy a house without a stupid credit history that raises your credit score to a certain arbitrary number which the credit company can change at their own whims at any given moment.
Went from 850 to 800, just like that, overnight, because Equifax updated their site a few months back to whatever new interface they use.
Nothing on my end was done or changed, all them and they dropped my score for no reason. Had I been in the middle of buying a house, I would've been rejected after that change. It's a literal scam.

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1 hour ago, TetraSky said:

Can't even buy a house without a stupid credit history that raises your credit score to a certain arbitrary number which the credit company can change at their own whims at any given moment.
Went from 850 to 800, just like that, overnight, because Equifax updated their site a few months back to whatever new interface they use.
Nothing on my end was done or changed, all them and they dropped my score for no reason. Had I been in the middle of buying a house, I would've been rejected after that change. It's a literal scam.

Good lord that sounds horrible, getting a lower score, just because the credit card provider updated their stie/interface.

its like credit-card providers want to see people crawl in heaps of debt.

 

in europe something like this would never happen, due the extremely strict consumer protection regulations.

and that is on european level, each individual country can add their own regulations on top of it.

so the rules can be even stricter in spain, than in Italy.

 

 

╔═════════════╦═══════════════════════════════════════════╗
║__________________║ hardware_____________________________________________________ ║
╠═════════════╬═══════════════════════════════════════════╣
║ cpu ______________║ ryzen 9 5900x_________________________________________________ ║
╠═════════════╬═══════════════════════════════════════════╣
║ GPU______________║ ASUS strix LC RX6800xt______________________________________ _║
╠═════════════╬═══════════════════════════════════════════╣
║ motherboard_______ ║ asus crosshair formulla VIII______________________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ memory___________║ CMW32GX4M2Z3600C18 ______________________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ SSD______________║ Samsung 980 PRO 1TB_________________________________________ ║
╠═════════════╬═══════════════════════════════════════════╣
║ PSU______________║ Corsair RM850x 850W _______________________ __________________║
╠═════════════╬═══════════════════════════════════════════╣
║ CPU cooler _______ ║ Be Quiet be quiet! PURE LOOP 360mm ____________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ Case_____________ ║ Thermaltake Core X71 __________________________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ HDD_____________ ║ 2TB and 6TB HDD ____________________________________________║
╠═════════════╬═══════════════════════════════════════════╣
║ Front IO__________   ║ LG blu-ray drive & 3.5" card reader, [trough a 5.25 to 3.5 bay]__________║
╠═════════════╬═══════════════════════════════════════════╣ 
║ OS_______________ ║ Windows 10 PRO______________________________________________║
╚═════════════╩═══════════════════════════════════════════╝

 

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some of these software solutions can be worked together with your bank, some don't.

Not sure if your bank has stuff to easily see who they are working with and what options you can use.

 

Some banks might have their own solution/app for this kind of stuff, as I have seen some, but seems maybe a bit more business related services.

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3 hours ago, TetraSky said:

Can't even buy a house without a stupid credit history that raises your credit score to a certain arbitrary number which the credit company can change at their own whims at any given moment.
Went from 850 to 800, just like that, overnight, because Equifax updated their site a few months back to whatever new interface they use.
Nothing on my end was done or changed, all them and they dropped my score for no reason. Had I been in the middle of buying a house, I would've been rejected after that change. It's a literal scam.

850 to 800 and you wouldn't have gotten a house?  Dude no.  I'm not saying credit system here isn't a scam, but 850 is perfect, any little change drastically drops you because you're near perfection.  Practically if you're anything above 750 you'll get the best rates.

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Just now, swimtome said:

850 to 800 and you wouldn't have gotten a house?  Dude no.  I'm not saying credit system here isn't a scam, but 850 is perfect, any little change drastically drops you because you're near perfection.  Practically if you're anything above 750 you'll get the best rates.

900 is "perfect" in Canada.
And really, it dropped to 793, I just rounded it up. So I went from having an "excellent" score of 853 to a "very good" score. 
This difference makes it so I don't have access to the lowest interest rates and what not (though not like I was planning to apply for anything at the moment).
While it's still "good", it's still a painful hit even though the changes weren't even coming from any fault of my own or from any sort of hard inquiries. Just Equifax changing whatever methodology they use to fck me out of my near perfect score.

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1 hour ago, TetraSky said:

900 is "perfect" in Canada.
And really, it dropped to 793, I just rounded it up. So I went from having an "excellent" score of 853 to a "very good" score. 
This difference makes it so I don't have access to the lowest interest rates and what not (though not like I was planning to apply for anything at the moment).
While it's still "good", it's still a painful hit even though the changes weren't even coming from any fault of my own or from any sort of hard inquiries. Just Equifax changing whatever methodology they use to fck me out of my near perfect score.

Maybe Canada is super different but a cursory glance makes it sounds mostly the same.  Furthermore, while the agencies provide their number, banks tend to use a specific model (i.e. there are different types of FICO and VantageScores, and others).  So regardless of what Equifax showed you, a bank would still be using whatever model it was already using.

 

Also, is it possible that you were shopping around for a mortgage and therefore had a hard pull?  Or its possible one balance of card or something else was higher then the previous month.  Both of these are reasons I would expect a difference in score month to month.

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6 hours ago, TetraSky said:

Can't even buy a house without a stupid credit history that raises your credit score to a certain arbitrary number which the credit company can change at their own whims at any given moment.
Went from 850 to 800, just like that, overnight, because Equifax updated their site a few months back to whatever new interface they use.
Nothing on my end was done or changed, all them and they dropped my score for no reason. Had I been in the middle of buying a house, I would've been rejected after that change. It's a literal scam.

use manual underwriting, lets you get a mortgage even if you don't have a credit score

Insanity is not the absence of sanity, but the willingness to ignore it for a purpose. Chaos is the result of this choice. I relish in both.

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*** The biggest offtopic removed ***

^^^^ That's my post ^^^^
<-- This is me --- That's your scrollbar -->
vvvv Who's there? vvvv

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23 hours ago, Quackers101 said:

some of these software solutions can be worked together with your bank, some don't.

Not sure if your bank has stuff to easily see who they are working with and what options you can use.

 

Some banks might have their own solution/app for this kind of stuff, as I have seen some, but seems maybe a bit more business related services.

Trying to look at stuff I don't think there really is a privacy.com equivalent in Canada though maybe a bank has their own app for it.

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26 minutes ago, Ultraforce said:

Trying to look at stuff I don't think there really is a privacy.com equivalent in Canada though maybe a bank has their own app for it.

Seems like VISA has one, but it seems like not greatly supported by them. Can't fully say if this is their fully official app, but assume it is (see link).

Else you do have those european apps, I guess they aren't "fully accepted" in america yet? besides from these sponsors taking an advantage from it? (unless they do work together with them or credit card companies). Also some might not be updated a lot, always look into that when using a banking app? and could become unsecure banking app or by any data leaks.

 

"Visa Commercial Pay" - not the best reviews and might lack features.

https://play.google.com/store/apps/details?id=com.conferma.trippay.visacommercialpay

 

there might also be an "U.S. Bank Instant Card", not sure if that one is fully legit either and is also US specific.

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UPDATE:
I finally remembered something about the video.

 

Someone asked about "investing" in LTT.
Not quite an investment as they would just like to give the money to help with growth.

Linus talked about his philosophy that there always has to be some equivalent benefit to the investor. And he is not clear on what that should be for someone "giving" money to them.


Then he mentioned how they don't really need the investment because of an alternate company? they signed up with

Since they are not a "traditional" business, the old banks did not like extending credit but they have been established for a few years now and so that's better.

BUT with the other company, non-traditional businesses are treated better AND the credit they have with them is not counted as part of the traditional credit system. So it doesn't count against them.
This company is the one I am looking for. I guess it wasn't a sponsor.
I THINK this was on a WAN SHOW but I have tried going through a few so far and no luck.

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2 minutes ago, comander said:

If you're still 800+ you're unlikely to be affected unless the house was already at the edge of your limits. 

Debt, income, assets, etc. would all likely matter more. 800 is itself often considered perfect. 

Yeah... Still stings though, just hope it doesn't happen again. 😅

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Basically, America's obsession with credit score is "spend more and pay back more so you build up a nice looking credit score". It's all about spending and paying back timely and you get a better score. It's literally forcing people to buy more shit they might not even need but do it anyway so they build up good score. It's so bad I hear people getting credit cards as soon as they legally can so they start spending to "build up" credit score.

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