SoftwareStan

*American Express waives the annual fees on all their cards for active duty military servicemembers*

Benefits include:

- 60,000 point welcome bonus ($1,200 in value according to The Point Guy's monthly valuations)

- $200 annual Uber Credit

- $200 annual airline fee credit

- $100 fee credit for Global Entry every five years or an $85 fee credit for TSA PreCheck every four years

- $100 Saks credit split into two $50 statement credits for the two halves of the year

- Complimentary Gold status at the Hilton Honors and Marriott Bonvoy loyalty programs

- Complimentary memberships in Hertz Gold Plus Rewards, Avis Preferred, and National Car Rental Emerald Club Executive

- Acce

Good communication--requested and was approved for a small extension. 10/10 would lend to again.

Borrower fell on some rough times, which I empathize with. Had me not ghosted me, I would have happily agreed to a plan that worked for him. The ghosting particularly hurts because I gifted (not lent) him $100 for his daughter's birthday. In one of our recent text conversations, I asked him "why didn't you tell me earlier [about his situation], why ghost me?" His response, "Just been sticking my head in the sand and hoping it all goes away...".

Borrowers who read this, again I emphasize we WILL work with you but you cannot just vanish into the ether.

Funds fully recovered. He made most payments so he will be receiving a refund from me tomorrow.

Member voluntarily paid me today, the day after I opened a PayPal dispute. Unfortunately, he still has 2 other loans outstanding which I have disputed as well. We will see what he is able to do.

Terrible communication. No effort at all. I'm sorry but if you can't pay back $70 in 3 months, can you really say you are trying?

Very pleasant to work with but unfortunately was not always forthcoming. I called out a questionable excuse and it took them a few times before they finally came clean. No judgment here as we've all been through rough spots but I just ask that borrowers understand that we are accustomed to being lied to. The best thing to do is tell the truth.

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Honestly, would probably not lend to again; that being said, you would probably have no issue as I think he felt terrible about not being honest and would not do it again.

Borrower stopped responding. Funds recovered forcibly.

Communicative borrower. On time with extension.

This is such a shame as this person was a prior borrower with great communication and timeliness. I normally wait longer to post UNPAIDs but this person went dark 2 weeks ago and missed all 3 installment dates. They were very friendly and always said yes sir, no sir, three bags full sir; just a cover though for being a liar and a thief unfortunately.

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Some beautiful kids you have...I have 4 myself. Hopefully none of your kiddos take after your shitty example and steal from others trying to help you out. I hope your conscience (if you have one) nags you daily until you can muster the courage to pay me back what you owe me.

Asked for extension, which I granted, and has done dark since. It really isn't that much money--it's not that hard to do a couple of odd jobs and pay back your creditors.

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I don't understand how your conscience allows you to pull this shit.

It takes a special kind of scumbag to just wake up, look in the mirror, and be okay with the fact that they are both a liar and a thief. Have some fucking integrity.

Go fuck yourself for ghosting. I would have gladly/easily worked out a long term payment plan with you.

For all you scumbags who purposely don't pay back their debts, go fuck yourselves. God/the universe/whatever you believe in will give you the karma you deserve. Go fucking mow literally 2-3 lawns and pay back the people you owe. Fuck all of you.