Topic: Rate Card

Goldman Sachs is experiencing a 2.93% net charge-off rate on the Apple Card, nearly double the rate of competitors like JPMorgan. Data reveals that 28% of Apple Card loans were issued to customers with FICO scores below 660, leading to significant defaults.

The hosts analyze a leaked advertising rate card for Ben Shapiro's podcast, which reportedly charges $25,500 for a 60-second live read. They calculate this as a $75 CPM, which they describe as "outrageous" for the industry. They contrast Shapiro's commercial model with the No Agenda "value-for-value" model, arguing that direct listener support is more personal and honest.

An "Extra TV" segment featuring Tamera Mowry-Housley is identified as a native advertisement for Total Wireless. The segment is criticized for its extremely tight editing, which squeezed 15 to 20 cuts into a single minute to meet a strict 60-second runtime.

The hosts discuss how political consultants and agencies make money through "points" on massive media buys, which can reach 15-20%. They note that Donald Trump provides massive ratings for networks, leading to a 40-fold increase in ad prices for the CNN debate. Trump's appearance on Jimmy Fallon's show resulted in the program's best ratings in 18 months.

American credit cards equipped with chips are failing to utilize the standard PIN security protocol in Europe, instead defaulting to a signature-based system. Furthermore, European point-of-sale terminals are offering dynamic currency conversion that applies unfavorable exchange rates to unsuspecting American travelers.

A host attempted to obtain a "rate card" from NPR affiliate KPCC by posing as a representative for a consumer products group. The goal is to prove that NPR "underwriting" is functionally identical to commercial advertising. While NPR claims underwriting is for the public good, critics argue it is a targeted marketing product sold to reach specific demographics.

The lack of public protest against high credit card interest rates and predatory check-cashing services is attributed to a culture of passivity. Recent changes to US bankruptcy laws, influenced by credit card company lobbying, have made it significantly harder for individuals to discharge debt, further entrenching financial instability.

Reports indicate that credit card interest rates in Brazil can reach 120%, leading many residents to conduct large transactions in cash. The segment concludes with a brief mention of listener complaints regarding the hosts' pro-meat stance and their criticism of aggressive vegetarian activism.

Adam Curry reports a high prevalence of unlocked iPhones in the Netherlands despite the lack of an official carrier deal. European users are reportedly purchasing iPhones in the United States to take advantage of the weak dollar and unlocking them for use on local networks. The discussion covers European consumer awareness regarding SIM locking and the impact of the Euro reaching $1.56.