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How to Lend Money to Strangers

More appealing credit card offers (and a trip around the world), with Chris Hutchins (All The Hacks)

How to Lend Money to Strangers

Brendan le Grange

Credit, Fintech, Management, Lending, Banking, Business, Careers

52.6K Ratings

🗓️ 3 November 2022

⏱️ 36 minutes

🧾️ Download transcript

Summary

The credit card landscape glitters with options for the consumer - different rewards earned at different rates, in different ways, sometimes with an annual fee and sometimes not, all wrapped in countless different brands and colours.


Chances are, there’s a product out there that is perfect for every consumer.


Chances are, it’s bloody hard to find.


That’s where Chris Hutchins comes in. In, All The Hacks, Chris gets deep into the weeds matching consumers to credit card offers with an understanding of the market that can benefit both sides. All The Hacks is not just a great listen, it can save you money and improve your life, so seek it out on any of the major podcast platforms, or listen on its home page here: https://www.allthehacks.com/


You can find my research on first card in wallet over here https://www.linkedin.com/pulse/younger-consumers-seeking-out-credit-cards-clear-value-le-grange/ or at https://www.transunion.hk/resources/transunion-hk/doc/insights/Insights-On-Being-First-Card-In-Wallet.pdf


If you want to start your own Laid Off Camp - here’s the wiki to get you going http://wiki.laidoffcamp.com/w/page/14510849/FrontPage (and it’s a great idea for this economy because if I think back to my own MBA thesis, there’s a momentary spike in entrepreneurial activity post layoff but that drops with as unemployment persists, so we really only have a narrow window to make it work).


And, speaking of me, you can pop over to my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU with our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24


If you have any feedback or questions, if you would like to participate in the show, or if you'd like to find full written transcripts with timestamps head on over to HowtoLendMoneytoStrangers.Show


Oh, and since you like banking podcasts, head on over to https://blog.feedspot.com/banking_podcasts/ to find related content that you may find interesting.


Keep well, Brendan



Hosted on Acast. See acast.com/privacy for more information.

Transcript

Click on a timestamp to play from that location

0:00.0

Every household will get help with energy bills this winter.

0:04.4

The UK Government is giving you an extra £400 to ward your bills.

0:10.3

For most households, payments are automatic.

0:14.2

If you're on a traditional pre-payment meter, you'll receive vouchers.

0:19.0

You will also get even more help with your bills, with the energy price guarantee.

0:24.0

Find out more at gov.uk forward slash help for households today.

0:33.0

There's just so many nuances to every single credit card.

0:36.0

What is the interest rate? Does it have an annual fee?

0:38.5

What credit score do you need? What perks does it have?

0:41.2

I think it's not an ideal outcome for the consumer.

0:45.0

However, I think that because it's complicated, the more informed you are,

0:51.8

the more you're able to take advantage of what's out there.

0:56.8

Whenever there's information asymmetry, it's like if you have the information,

1:00.8

you can actually end up better.

1:01.8

So yes, it's complicated, but if I can help people learn how the system works,

1:05.8

I can help them fight back.

1:11.8

Earlier this week, I was in London for TransUnions Financial Services Summit.

1:15.8

It's an event that holds a special place in my heart and indeed in my career,

1:19.8

presenting research at the 2019 edition was my last act for the Hong Kong team,

1:25.8

just as presenting at the 2021 edition, then still virtual,

1:29.8

was my last act as a TransUnion employee overall.

1:33.8

And as a guest, it was an equally valuable experience.

...

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