Credit card reward programs can be worth it, but it largely depends on your financial habits, spending patterns, and how you manage your credit cards. Here's a 300-word description to help you understand their potential benefits and considerations:
Credit card reward programs are designed to incentivize cardholders to make purchases using their credit cards by offering various perks and benefits in return. These programs come in many forms, including cashback, travel rewards, and points-based systems.
One key advantage of credit card rewards is the opportunity to earn valuable incentives. Cashback cards provide a percentage of your spending back as cash, while travel rewards cards offer points or miles that can be redeemed for flights, hotels, or other travel expenses. Points-based systems often provide flexibility to redeem for merchandise, gift cards, or even statement credits.
For individuals who responsibly manage their credit cards and pay off their balances in full each month, these rewards can add up quickly and provide significant savings or opportunities for travel. It's like getting a discount on every purchase you make.
However, credit card reward programs may not be suitable for everyone. They typically come with higher interest rates, annual fees, or other charges. If you carry a balance on your card and incur interest charges, the benefits of the rewards can quickly be outweighed by the cost of borrowing.
Additionally, some people may find it challenging to keep track of multiple credit cards, each with its own rewards structure and terms. It's crucial to understand the terms and conditions of your credit card and choose one that aligns with your spending habits and lifestyle.
In summary, credit card reward programs can be worthwhile if you use them wisely. To make the most of these programs, pay your balances in full each month, choose cards that align with your spending, and be mindful of any associated fees or interest rates. When used responsibly, credit card rewards can provide valuable benefits and savings, making them a valuable financial tool for many consumers.
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Fans and Creators of Webtoons!
I want to talk about Line Webtoon’s new “Super Like” program and why it sucks for literally everyone.
What is a “Super Like?”
According to their website, super likes are a new way for webtoon creators to monetize their work. Readers can pay real money to buy a super like for their favorite webtoon, and the creator gets a fraction of that money.
Wait, a fraction? Not all of it?
Yep! Webtoon skims quite a chunk off the top.
30% goes to Webtoon, and then another 30% of that amount goes to the payment processor.
So what do creators get? 49 cents for every dollar their fans try to give them. Literally half.
That’s pretty ludicrous, right?
Interestingly enough, they announced that they had a “tipping system” in the works in the same email they ended the CANVAS creator rewards program (and many comic creators livelihoods)
They said tipping system in their social media posts too
Obviously this tipping system is referring to super likes right? They say they’re going to do a tipping system, and then this rolls out.
But “tips” are not something that buisinesses can just take a cut of, at least not in the United States. According to the Department of Labor, it is illegal for any amount of tips from customers to go to an employer.
Webtoon is trying to walk back this language, of course. You won’t find the word “tip” anywhere on their website page explaining how it works. But those old social media posts are still up.
This is all pretty scummy
But wait, it gets worse!
They removed the Patreon button at the end of episodes and replaced it with this:
Yep! That’s right. Webtoon really said “what if we replace the tipping system that already existed with a shittier one where you only get half of it 🥺”
Unsurprisingly, they faced a ton of backlash.
Webtoon was quick to point out that the Patreon button was only removed from the end of episodes and there was still a button on the creator’s homepage. But of course, the end of episodes is where that button matters the most.
Creators know this. Webtoon knows this.
Eventually, after days of continued complaints from creators on social media, Webtoon went on damage control mode and announced that they would be putting the Patreon button back at the end of episodes—
As of right now (May 11th, 2024) the Patreon button is still not back.
***
So…Super likes are “super totally not a tip.”
But if they aren’t tips…what are they?
Well there’s a bit more to the story of what a super like actually is. After announceing the program, the app updated to reveal a new ranking category on the front page
When you click on this ranking tab, you can see that there is now both a daily and weekly ranking
If you’re a CANVAS creator, you know how difficult and seemingly random it can be to get your comic on the front page of the app—so my immediate worry was that comic creators were going to buy superlikes on their own series to get in this ranking and…
Yep, that’s already happening.
But why would webtoon even allow creators to buy superlikes for themselves? How does that make sense?
Surely goading desperate creators into buying superlikes can’t be that lucrative, can it?
No. I think there’s another, possibly even worse reason.
Fandom wars
If you’re into music, you probably are aware of how common it is for super fans to make concerted efforts to get their favorite musician to the top of the billboard charts. They coordinate over social media, stream music on loop as soon as an album drops to inflate the numbers, buy albums in bulk to increase sales, all so that they can say their fav is number one. It’s especially common among K-pop fans and swifties
This phenomena is well documented
Fans of Webtoons can be just as ravenous as K-pop, so I think Webtoon is trying to capitalize on this. They want to encourage fandom war and make money. That’s why they have this ranking. Not only can super fans brag about their favorite series topping the charts but they can wear their super like proudly on their reader profile that webtoon will be rolling out soon.
They’re just testing this super like stuff out on CANVAS right now, but once this starts up with originals? Oh. It will be a very profitable, very terrible mess.
(Oh and I mean profitable for webtoon, not creators, in case that wasn’t clear.)
***
Anyway, if you’re a creator, do yourself a favor and don’t enable super likes.
If you’re a fan of a webcomic, just donate to that creators patreon or Ko-Fi to show your support. Don’t give a red cent to webtoon because they did not do any of the work to make the series you love, alright?
Also check out my webtoon haha.
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Hiii sorry for the ugly ass post but I'm here to be a shill* for this neat lil rewards app that's been genuinely working for me.
(*I ain't getting paid for this shit, I'm just getting referral bonuses ofc <3)
The app is called Mistplay! It's a loyalty program for Android mobile gamers. You simply download mobile games through the Mistplay app and are rewarded with units (points) that can be exchanged for giftcards from places such as Amazon, Target, Walmart, DoorDash, Uber, Taco Bell, Xbox, etc.. - Even Paypal! Here's proof of my most recent exchange
And here's just to show how frequently I was redeeming $5 giftcards with light grinding (only checking in to do daily tasks and random bonus tasks). The second pic is to show the frequency of which you'll receive units from grinding games.
So if you're on Android, you can download Mistplay here and receive 200 units PLUS you'll be rewarded with 100 bonus units for downloading through my link. <3
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