i took the leap and it's been more than I could have wished for. i don't have a ton of miles, maybe 10k miles but no issues. it's just level 2 driving which is better than anything OEMs offer.
I also really love mine. It has done what it has advertised extremely well, in my opinion. Makes driving chill. I have a '24 Ioniq with HDA2 and it's a night and day difference between Comma's implementation of HDA/LKAS and stock. If the stock version is like a 3/10, OpenPilot is like a 8 or 9/10. Stock HDA would just turn off randomly in the middle of turns. Its LKAS was very jerky which not only scares you, but scares other people on the road as well.
yup just easier to use my bofa card which is 2.625% on everything (due to platinum honors preferred rewards which is "easy" to obtain with some >100k in a brokerage account - could be equities, CDs, money market.. whatever)
For sure. I'm just glad there's a separate charge port. On previous generations, you would sometimes have to unplug from power in order to back up an iPhone to an external hard drive, for example. Given the lousy battery life on those (Intel) machines, it wasn't such a no brainer to unplug back then!
I guess. Revolving credit is expensive for the bank to hold. They have to allocate a lot of capital to back the revolving unsecured debt compared to other secured loans. I think they'd rather just make money on the regular fees and not have to worry about people holding balances. By providing credit they can charge a higher transaction fee than a debit card so that's their value add. Retailers are willing to pay for that access to consumer credit.
That's why credit cards are so popular in America vs other countries. They can charge a transaction fee that actually makes a profit. If they are regulated to a low fee then they can't give cards to anyone but the highest of FICO scores because the debt itself is so risky.
I always assumed banks made money on credit cards from the transaction fees. I think the interest rates are mostly there to scare you into paying your bill. It seems like once a CC balance gets out of control the bank's ability to recapture that money is limited since the card is unsecured.
I guess they make more money off the people that use a CC as as a temporary loan and always repay but customers with that risk profile are generally one step away from never paying it off.
they want you to shop with your voice because there is a lot of friction if you then decide that's not what you really wanted. most people if they mistakenly order something with alexa will just let it be delivered, not cancel it.
same with using a mobile app to shop. you have less ability to cross shop quickly because the interface is inherently slower than a mouse and keyboard plus the OS multi tasking features are horrible. plus they get a lot more information about you with their app.
so it's not always that they think the feature is better for you, it may just be that it's better for them.