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Today's Burning Discrimination Issue: Women Need Higher Credit Card Limits
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Are women being discriminated against by not being allowed to run up quite as gigantic credit card debts as they might? The New York Times is all over this pressing issue:

Apple Card Investigated After Gender Discrimination Complaints

A prominent software developer said on Twitter that the credit card was “sexist” against women applying for credit.

By Neil Vigdor
Nov. 10, 2019

Something curious happened when a husband and wife recently compared their Apple Card spending limits.

David Heinemeier Hansson vented on Twitter that even though his spouse, Jamie Hansson, had a better credit score and other factors in her favor, her application for a credit line increase had been denied.

Mr. Hansson, a prominent software developer, wondered how his credit line could be 20 times higher, referring to Apple Card as a “sexist program” (with an expletive added for emphasis).

The card, a partnership between Apple and Goldman Sachs, made its debut in the United States in August.

“My wife and I filed joint tax returns, live in a community-property state, and have been married for a long time,” Mr. Hansson wrote Thursday on Twitter. “Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does.”

Mr. Hansson’s tweets caught the attention of more than just his 350,000 followers.

They struck a nerve with New York State regulators, who announced on Saturday that they would investigate the algorithm used by Apple Card to determine the creditworthiness of applicants.

Algorithms are codes or a set of instructions used by computers, search engines and smartphone applications to perform tasks, from ordering food delivery to hailing a ride — and yes, applying for credit.

The criteria used by the Apple Card are now being scrutinized by the New York State Department of Financial Services.

“Any algorithm that intentionally or not results in discriminatory treatment of women or any other protected class violates New York law,” an agency spokeswoman said in a statement on Saturday night.

“DFS is troubled to learn of potential discriminatory treatment in regards to credit limit decisions reportedly made by an algorithm of Apple Card, issued by Goldman Sachs, and the Department will be conducting an investigation to determine whether New York law was violated and ensure all consumers are treated equally regardless of sex,” the statement said.

Do you ever get the impression that as our culture gets More Woke it also gets more in debt? Funny how that seems to work …

From MacRumors:

The Apple Card offers an APR between 12.99 percent and 23.99 percent based on your credit score. On the low end, that’s lower than the national average APR of 17.67 percent, but it doesn’t offer APRs as low as some other credit cards.

 
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  1. BenKenobi says:

    as our culture gets More Woke it also gets more in debt?

    Get Woke, bigot. The incoming 2 billion negroes will pay that tab and then some. Money in the bank.

    • Agree: The Anti-Gnostic
  2. Mr. Hansson, a prominent software developer, wondered how his credit line could be 20 times higher, referring to Apple Card as a “sexist program” (with an expletive added for emphasis).

    Obviously, conclusive proof that there is Evil afoot, specifically a sexist conspiracy to screw women over by those awful troglodytes at Apple/Goldman Sachs. There is no other explanation because we say so.

    Anytime it goes the other way, like, I dunno, men dying 8 years earlier than women… Well, that’s cool. The sooner they die the better.

  3. Arclight says:

    Obviously they think Mr. Hansson is a bigger mark and more likely to rack up debt and pay a ton of interest. Too bad that’s not the story here, as that’s a major reason we have so many indebted households in this country.

    • Replies: @Achmed E. Newman
  4. Please heaven give women exactly what they ask for….just make sure I’m not around to be part of it.

  5. Woke people are children on an allowance.

    • Agree: Mr McKenna
  6. Mr. Heuristics says: Get woke, go broke.

    Who covers for the losses?

    Sorry, I know it’s as obvious as fractional reserve.

    Besides it’s not their money. Not even a fraction. If it goes really bad you cover the losses anyway.

    • Replies: @A Ham Sandwich
  7. Well… Who’s running the Woke joke?

  8. And then we’ve had Samuel Jackson for years now asking his target audience of low income negroes “What’s in their wallet?” – aside from an expired rubber, section 8 voucher, and pawn slip. I’m not sure whether I find it amusing or just pathetic that wealthy negroes deliberately work to make the non-wealthy negroes they claim to care about more poor and debt enslaved.

    • Agree: Bubba
    • Replies: @Bubba
  9. Do you ever get the impression that as our culture gets More Woke it also gets more in debt?

    Could be. But my main impression is that the “more woke” the individual, the bigger whiner he is.

    Whoever it was that said that progressives are the new Puritans was onto something.

  10. On Friday, a day after Mr. Hansson started railing [on Twitter] on the Apple Card’s treatment of female credit applicants, he said his wife got a “VIP bump” to match his credit limit. He said that didn’t make up for the flawed algorithm used by Apple Card.

    Welcome to America’s version of your social credit score. Take that, China!

    • Agree: Charon
    • Replies: @El Dato
  11. @StillSteve2

    If we wanted to save our country we would make all school children play Monopoly where the Banker (played by the teacher) has an unlimited money supply (i.e., they can “print” as much money as they’d like, at any time). The teacher would not play, they would just pick the winner in each game.

    Losing at Monopoly is one of the most aggravating things ever, and seeing distributional effects of directed inflation (with the resulting general price inflation) while losing at Monopoly to some chump in your class who just happens to be the Banker’s (teacher’s) pet would drive the lesson home, good and hard.

    But who wants to save the country when we could all just suck up to the bankers on social media instead?

  12. Western says:

    I wonder what the wife put down as her income. The credit card companies ask you your income in on-line applications because that protects them from being accused of giving someone a line they can’t afford. Maybe she put down a smaller income. You can put a higher income but then you can’t complain they shouldn’t have given you the credit line you couldn’t afford.

    • Replies: @ben tillman
  13. I’ve worked on credit risk models and I know you cannot use gender, sex or whatever they call it now when creating line assignment models.

    • Replies: @Pericles
    , @Jordi
  14. Whiskey says: • Website

    Look at the Christmas car ads. Nissan has Black male White female couple again and again and again. Since that’s the crucial selling season it must appeal to White women. The rest are just as woke.

    It must work.

    Hatred of White men is organic. It’s who they are. Look at Warren. Hatred of her first husband projected onto White men generally is who she is … And her voters.

  15. El Dato says:

    > prominent software developer

    Protip: “Software developers” are generally not prominent.

    > David Heinemeier Hansson

    Never heard of him.

    > Mr. Hansson’s tweets caught the attention of more than just his 350,000 followers.

    Oh good. Do these people have anything to do?

    Mr. Hansson, a Danish entrepreneur and a California resident, is known [not by me] for creating Ruby on Rails [ah], a popular computer coding language [no NYT!! it’s an application-generating framework based on Ruby .. which is a language] used to create database-backed web applications. He is an author and a decorated racecar driver on the Le Mans circuit, according to a biography on his website.

    Protip: He didn’t write it all himself.

    Somewhat related, this brings back memories of an excellent rant from 10+ years ago called “Rails is a Ghetto” by one Zed Shaw about the Ruby on Rails Community. It’s been retracted but here is an extract:

    This rant is full of stories about companies and people who’ve either pissed in my cheerios somehow or screwed over friends. I can back all of them up from emails, IRC chat logs, or with witnesses. Nothing in here is a lie unless it’s really obviously a lie through exaggeration, and there’s a lot of my opinion as well.

    The best part about ripping on these guys though is this:

    If they have a blog, speak at conferences, publish papers, or write books then they are public figures just like me.

    This means that thanks to Larry Flynt I can stab them in the ear verbally, insult them, question their sexual orientation, and say anything that’s true and they just have to take it. Their only recourse is to write their pathetic little rebuttals in their stupid little blogs.

    • Replies: @Forbes
  16. El Dato says:
    @A Ham Sandwich

    “railing” is quite the jeu de mots

    • LOL: A Ham Sandwich
  17. Hansson is in computer circles extremely well-known and his limit probably reflects that. He would be a step or two down from the CEO of Apple itself applying for the card. Credit rating doesn’t matter in such cases.

    And, of course, he is aware of this and is being publicly dishonest.

  18. Hodag says:

    Because of some unavoidable misadventure (funerals, children’s surgeries) we got in some credit card debt. And after a few years we paid it off.

    Between my wife and I we have cards with limits that approach half our annual income. The goal is not to have credit card debt! About twice a year, sua sponte, they raise our limits on the credit cards we have. And every couple of months they ask us to verify income, so we have a higher limit.

    I think the bet is everyone has some great misadventure like mine above or gets drunk in Vegas and blow a ton of money.

  19. Anon[304] • Disclaimer says:

    He’s claiming that his application was literally identical to his wife’s, and that their credit histories and public records are essentially the same, but Apple is using her sex as the only reason to differentiate.

    I don’t think that’s true, and I think that there’s a rest of the story. And it’s entirely possible that his wife knows what it is, isn’t telling him, and wishes he’d shut up on Twitter.

    I think it’s funny that he’s the one complaining.

    • Replies: @Redneck farmer
    , @Charon
  20. Praise be, there are pre-nups!

    Would it be prejudicial to suggest that some persons are more deserving of higher credit limits than others? An immediate fail flag should be a desire to dine at Popeyes:

    https://www.wsmv.com/news/tensions-running-high-after-body-slamming-incident-at-columbia-popeye/article_375d9e22-028a-11ea-a5aa-b78b6b080c3e.html

  21. Bubba says:
    @MikeatMikedotMike

    Your comment is spot-on as usual, but I have a slight minor correction. I think the very annoying and screeching negro was paid to say, “What’s in your wallet?”

    • Agree: MikeatMikedotMike
  22. @Anon

    He may have been told to complain or else. Kind of like Bill Gates.

  23. prosa123 says:
    @El Dato

    Topless FEMEN protestors work for money. In most cases they do not particularly care about the causes they are ostensibly protesting.

    • Replies: @El Dato
  24. @Whiskey

    Maybe,but I have noticed we’re being battered half to death by this Nissan rogue ad that shows a black lady driving her white husband and their daughter through a busy town where everyone is distracted by their cellphone. The Rogue is able to detect everything in its path because of some tech thing.

  25. J.Ross says:

    Good thing Obama solved health care prices, am I right fellow Mosaic people?

    Ballad, which operates the only hospital in Wise County and 20 others in Virginia and Tennessee, filed more than 6,700 medical debt lawsuits against patients last year. Ballad’s hospitals have brought at least 44,000 lawsuits since 2009, typically increasing the volume each year.

    In nearly all such cases, the hospitals prevail. Only about a dozen patients showed up for the August court date in Wise, hoping to work out a payment plan or contest the claims.

    “There is this new group of people who, on paper, look like they should be able to afford their bills,” said Craig Antico, founder of the nonprofit RIP Medical Debt, which buys and forgives outstanding bills. “They’re middle-class, they have relatively good credit ratings, they’re not transient. But they have these big deductibles, and they can’t afford their bills.”

    https://www.nytimes.com/2019/11/08/us/hospitals-lawsuits-medical-debt.html

  26. Charon says:
    @Hodag

    Millions of people got their mortgages paid off, or at least “written down”. Millions more are now clamoring to have their student loan debt cancelled.

    Now we hear that auto loans are another bubble. (Ppl need new SUVs to get to dey jobz!) Can credit-card debt be far behind?

    My advice: load up on all the debt you can, and vote Democrat.

    • Replies: @Achmed E. Newman
  27. Charon says:
    @Anon

    Of course there’s more to the story. There’s always more, and if it conflicts with The Narrative, we’ll never hear a particle of it.

    Interesting that his limit is 20x hers. So if hers is 8,000 his is 160,000. Seems legit.

  28. @Arclight

    That’s very true about the bigger marks, Arclight. Before debit cards, which aren’t loans and just take money straight out of one’s bank account, I was one of those guys who always paid off the card each month. I only had the thing in the first place to order stuff over the phone and rent cars.

    Well, the banks don’t like guys like me. As opposed to the women that pay the minimum payment for years on end, racking up that 20% interest, guys like me are considered DEAD BEATS by the banks.

    I’m not sure how they could have used the tax returns unless they had Raj Chetty subcontracted out, but Apple cards may just have the information that Mr. Hansson is something called the “head of household”. You may figure he handles the money, but then that’s egregiously sexist. When you fill out that joint return ONE of the couple is the taxpayer du jure, and the other is the “spouse”. I wonder if these people never have seen the actual IRS forms.

    Then again, like Steve says, best bet for NY State – loosen it all up, for everybody. Any financial meltdown to follow can’t be blamed on the poor banks just doing what the government told them to do. It’s a win/win/LOSE (2 out of 3).

    • Replies: @Prof. Woland
    , @FPD72
  29. @A Ham Sandwich

    Freakin’ great idea, H.S.! Ron Paul should have had that rigged Monopoly game as one of his campaign commercials back in ’12. It might have driven home the point to a lot of economically-illiterate voters.

    • Agree: A Ham Sandwich
  30. @Father O'Hara

    If it were really that smart a vehicle the Rogue would have a computer-activated ejection seat to pro-actively prevent wrecks. “Oriental women hardest hit,”

    • LOL: Redneck farmer
  31. Dmon says:

    When I got married, my credit rating dropped. I had never had a late payment (indeed, I almost never had a payment period, as I seldom had a need to buy on credit), but my wife (when single) had several dings on her record (and decent debt relative to her income). Once married, her dings became mine. Interestingly, her credit rating improved, thanks to my record becoming hers. At one point, her credit rating was above mine, even though I accounted for >90% of the family income. She had trouble mailing payments on time, which dinged my credit as head of the household. However, her credit cards (used for clothes, shoes, etc) in her name were untouched. Go figure.

  32. “Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does.”

    Thank them. She’s getting the better part of the deal.

    This is like Jennifer Lawrence’s complaint that Justin Bieber is getting paid more than she is. The real problem is that Bieber is being paid anything at all.

    Remember the last time Apple made a generous offer to women:

    • LOL: Jim Don Bob
  33. CJ says:

    Yo Steve! This is the Ruby on Rails guy. He caught a bunch of flak years ago for saying that women programmers were not victims of discrimination. He’s on permanent probation for that thoughtcrime, which he hasn’t scrubbed from his blog.

    Alpha male programmers aren’t keeping women out

    This is a tech bro pretending to be an SJW for financial reasons.

    • Replies: @Achmed E. Newman
  34. @A Ham Sandwich

    Losing at Monopoly is one of the most aggravating things ever

    Illinois Avenue has been Martin Luther King Jr Boulevard for 30 years now. Popeye’s is around the corner on Atlantic, though indie fried chicken is handier.

    https://www.upi.com/Archives/1988/01/14/Illinois-Avenue-may-change-name/9002569134800/

    https://mlkblvd.wordpress.com/category/atlantic-city-nj/ (Yes, you can tour the good doctor’s many boulevards online.)

  35. Ed says:

    Some guy on twitter tweets, on a weekend, about a credit underwriting decision that it is unfair that his wife has a lower credit limit than himself. He mentions that he and his wife file taxes jointly (there’s no way for a credit card company to know that) therefore she should have the same limit. Maybe, maybe not but did he even bring this up to the credit card company? No he takes it to twitter. Where as a result the state of NY investigates.

    That’s the scary thing to me. That state power is so responsive to viral tweets.

    • Replies: @Lugash
  36. @Patrick in SC

    David Heinemeier Hansson vented on Twitter that even though his spouse, Jamie Hansson, had a better credit score and other factors in her favor, her application for a credit line increase had been denied.

    The NYT is always stroking itself about its dedication to “investigative journalism.” But 90% of what it does is really just woke commentary on other people’s news and social media. In this case, they are accusing a major corporation of deliberate systematic (and irrational) sexism because of hearsay from some guy who is speculating on social media about someone else’s credit card limit. That’s some rock-solid sourcing for you.

  37. @Achmed E. Newman

    And like student debts, these loans will have to eventually be forgiven because they were forced on unsuspecting victims by predatory lenders. And if these women’s husbands don’t pay the interest they should be held fully liable in case of divorce.

    • Replies: @Achmed E. Newman
  38. This is an odd case and likely overblown. Either there was an error with the rollout of a new system, which is possible, or the women being mentioned are worse credit risks than assumed. I say this because while I don’t doubt Goldman could be sexist, I strongly doubt they would let it get in the way of making money off of interest – which is what this accusation would entail if true.

  39. @Prof. Woland

    But, of course, Professor. A lot of these borrowers had literal guns to their heads. And, by “literal”, I mean figurative, which is how we literally write now all the time.

    • LOL: Escher
  40. @Charon

    That’s called a “moral hazard”, Charon. A writer here on unz named Steve Penfield had a very good comprehensive article on the student loan debt business. The only major thing wrong with it was his conclusion, that these loans should be forgiven. As per Peak Stupidity’s “Student Loan Debt and Forgiveness” series , (Part 1, Part 2, and Part 3), the result will be just what your advice is: Don’t play by any rules for responsible people anymore. Screw the system before it screws you.

  41. FPD72 says:
    @Achmed E. Newman

    You don’t understand “head of household” for IRS filing purposes. If a married couple files jointly, there is no head of household.

    Head of Household is a filing status for individual United States taxpayers.

    To use the Head of Household filing status, a taxpayer must:

    Be unmarried or considered unmarried at the end of the year.
    Have paid more than half the cost of keeping up a home for the tax year (either one’s own home or the home of a qualifying parent).
    Usually have a qualifying person who lived with the head in the home for more than half of the tax year unless the qualifying person is a dependent parent.

    When a couple files jointly, both sign the 1040. There is no distinction between the filers and no designation of head of the household.

    • Replies: @Achmed E. Newman
  42. @CJ

    That’s the guy. How many guys have that same whole long name? Nice work, CJ (even if it did take only 15 seconds)!

  43. MEH 0910 says:

    • Replies: @EdwardM
  44. “Female credit card users are the backbone of our democracy!” – Elizabeth Warren*

    * By ‘female’, I am not excluding trans, genderqueer, nonbinary, and/or other permutations of sexual and/or gender identity who, at some periods, transitory or permanent, identify as ‘female’. The Elizabeth Warren Campaign assumes no responsibility or liability for any errors or omissions in the content of virtue-signal. The information contained therein is provided on an “as is” basis with no guarantees of completeness, accuracy, usefulness or timeliness.

    #TheManyBackbonesOfDemocracy

  45. Dave Pinsen says: • Website

    For context DHH is a Danish O-1 immigrant to the U.S. who is a partner in a software company called Basecamp which has Jeff Bezos as an outside investor. He also invented the Ruby on Rails framework for the Ruby programming language.

  46. Lugash says:
    @Ed

    . Maybe, maybe not but did he even bring this up to the credit card company? No he takes it to twitter. Where as a result the state of NY investigates.

    That’s the scary thing to me. That state power is so responsive to viral tweets.

    He called Apple to discuss the issue. If the call happened they way he described it was a full blown autistic meltdown combined with Karen “I want to to speak with your manager right now”. He seems to seriously have thought a frontline CSR and first level manager had access to the credit scoring model and wanted to ‘debug’ it on a Friday night.

    His story smells. I think he’s SJWing or something.

    • Agree: Jim Don Bob
  47. Apple’s card is a Goldman Sachs card and it is they who set credit limits.

    Also Apple has told anyone who asks that they will not discuss raising credit limits during the initial period, I think during the first year.

    • Replies: @Pericles
  48. @FPD72

    No, I didn’t use “head of household as the IRS term. I know that I do the forms, and the wife is on there as “spouse”. We both have to sign. As far as marketing people (or computers go) this guy may be thought of as the head of household from whatever information they’ve obtained (no, not likely the IRS).

  49. Blame it on the cut-rate misogynist foreign programmers they hired to write and implement the algorithm.

  50. The Apple Card offers an APR between 12.99 percent and 23.99 percent based on your credit score.

    Just another expensive Apple product, or an expensive line of credit bordering on usury?

    On the low end, that’s lower than the national average APR of 17.67 percent,

    Americans are paying way too much for this type of borrowing in an environment with a prime lending rate now at 4.75%. This means there is about a 13% spread between credit cards and the prime lending rate. Sure, the card companies absorb risk, but they are shoveling cash into their coffers like crazy at this rate.

    …but it doesn’t offer APRs as low as some other credit cards.

    LOL no kidding. I’ve had a card for about thirty years that is pegged at prime plus 3%, so its rate just dropped from 8% to 7.75%.

  51. Dave Pinsen says: • Website

    Apple Card partner Goldman Sachs responds:

  52. @Whiskey

    You can’t escape it, even on radio. I’ve been hearing a Nissan radio commercial with a very black-sounding man talking about how some things are better done face-to-face, so he drives his Nissan to a very white-sounding girl’s house to tell her he “likes” her latest social-media post. How romantic!

    • Replies: @El Dato
  53. @Father O'Hara

    In Australia over the past year or so I have noticed several ads on TV which show a mixed race couple, always a white female with a coloured male, usually indicating that she dotes on him. I am curious as to the motives of both the advertising company and the product which is being advertised. One is for a car, I can’t remember whether it Nissan, or another brand.

  54. @Hodag

    “Because of some unavoidable misadventure (funerals, children’s surgeries)”

    It’s little things like that which make me glad we have a National Health Service in the UK – with all its faults and inefficiencies a child’s illness or accident doesn’t usually mean debt.

    I presume credit card limits are derived the same way in the UK and US – over here the perfect credit customer with the best credit score is one who takes on lots of debt over a long period, but pays it off while incurring some interest.

    My SO earns a quarter of what I do but has every store card and two other credit cards.

    I had no credit cards and no credit other than mortgage for most of my life, only got a card eight years ago. She has a much higher limit and lower interest rate than I do.

    • Replies: @PolMordreth
  55. Escher says:

    Maybe Mr. Hansson is running out of money. Nothing like a good lawsuit to get the old account in the black again.

  56. Yngvar says:

    …discriminatory treatment of women or any other protected class…

    Whoever’s not in any protected class is definitely a minority.

  57. @Patrick in SC

    It’s interesting how the article doesn’t mention what Mrs. Hansson does for a living.

    • Replies: @Forbes
  58. EdwardM says:
    @MEH 0910

    Is this news? I thought you could always at least get a second credit card on the same account in any name you want — just say it’s for a family member. I just did this with a Chase Visa.

    Probably not good enough for the woke. They need to be affirmed with the primary card on the account.

  59. Forbes says:
    @ScarletNumber

    Or that she even has an income–earned or unearned.

  60. Forbes says:
    @El Dato

    WTF is a “decorated racecar driver on the LeMans circuit”?? Was he awarded a Purple Heart or a Commendation Medal…

    • Replies: @Achmed E. Newman
  61. anon[720] • Disclaimer says:

    “Apple card misogyny” is now a thing floating by on CNBC, of course some regulators and Feds will have to go through some motions. It’s gonna be a mini-jihad for a week or so. Steve’s headline is accurate.

  62. @YetAnotherAnon

    I ended up with a sick child, and afterwards about $50k in debt off of $1.1M in total cost. But, I still have my daughter. From all accounts she would have died in NHS care.

  63. Pericles says:
    @Larry, San Francisco

    I’ve worked on credit risk models and I know you cannot use gender, sex or whatever they call it now when creating line assignment models.

    The truth burns so painfully sometimes.

  64. Pericles says:
    @Andrew Swift

    Apple’s card is a Goldman Sachs card and it is they who set credit limits.

    Oy vey, it’s about time we shut this down.

  65. njguy73 says:
    @Hodag

    You actually pay your bills.

    What a patsy.

  66. @Forbes

    No, decorated with a Quaker State (high-detergent lubricants!) tattoo on his ass … at least that’s what I figured at first glance.

  67. El Dato says:

    It’s a new day, we have another issue

    (And apparently HRW has nothing to do except except look through fashion catalogues. Don’t have torture videos from fascist prison complexes to check, minefields to mark and borders to open?)

    Know your abbreviations! H&M slammed for using designer’s initials that also represent violence against women

    Yes, “GBV” means Gender Based Violence, not “Giambattista Valli”.

    I didn’t know either.

    (Same as “LAH” means “Leibstandarte Adolf Hilter” not “Last Action Hero”.)

    Furthermore, Heather Barr on the Katie Hill flap:

    Internet Bringing New Forms of Violence Against Women: Resignation of US Rep. Katie Hill Highlights Severe Protection Gaps

  68. El Dato says:
    @prosa123

    The gig economy has gone far too far.

  69. El Dato says:
    @the one they call Desanex

    he drives his Nissan to a very white-sounding girl’s house to tell her he “likes” her latest social-media post.

    What happened next:

  70. Neoconned says:

    https://www.dailymail.co.uk/news/article-7674045/Google-working-secret-project-gathers-millions-Americans-health-data.html

    OT: Google is secretly gathering health info on millions of Americans…..i read few yrs back FB could tell if you were gay, your race and other things simply by using algorithms of who your friends are and what your likes are etc.

    And like Steve has noted before the AI “gay face” thing…..

    https://www.google.com/amp/s/www.nbcnews.com/news/amp/ncna823416

    AI can also predict if you will die from heart disease and there’s even an algorithm that will let you know if you will die in the next year….and they have no idea how it’s so accurate:

    http://www.ox.ac.uk/news/2019-09-04-ai-technology-can-predict-heart-attacks

    https://www.dailymail.co.uk/health/article-7422565/amp/AI-powered-scans-spot-heart-attack-decade-strikes.html

    https://www.google.com/amp/s/www.newscientist.com/article/2222907-ai-can-predict-if-youll-die-soon-but-weve-no-idea-how-it-works/amp/

    I was reading this today where an anonymous hacker exposed online neo Nazis thru a dox dump:

    https://www.dailymail.co.uk/sciencetech/article-7674355/Members-neo-Nazi-website-exposed-data-dump-ex-active-personnel.html

    This must all be some kinda NSA data dump thing, and they must be trying to use AI algorithms to detect likely threats to deep state power….probably ranging from studying psychological traits of potential neo nazi, far left types, Islamist militants etc…..

    I bet they’re correlating this with AI searches for severe mental illnesses:

    https://www.google.com/amp/s/m.economictimes.com/magazines/panache/this-ai-tool-can-diagnose-schizophrenia-with-87-accuracy/amp_articleshow/67790388.cms

    This will let the spooks find lone wolf postAl types and potential religious or political radicals….Phillip K Dick was right…..

    1000 to 1 odds I’d be willing to bet Google is a front for the “alphabet agency” spooks of whatever variety creating dossiers on us.

    Looking back at things as random as the JFK assassination to the Bonus March to the OKC bombing the deep staters are as scared or secretly more afraid of an internal military coup threat to their power and/or some kind of “business plot” that would combine fascist corporate and military or veterans elements a la the OKC bombing or the Smedley Butler alleged plot against fdr using veterans and rogue elements of the military…..a classified report at the rime even said a Marine Corp unit stationed in DC wouldn’t support Herbert Hoover in suppressing the Bonus March…..im sure the NSA is more worried about internal threats than islamonuts….

  71. El Dato says:

    I was reading this today where an anonymous hacker exposed online neo Nazis thru a dox dump:

    Can’t they just stop at blackpilling without redlining into early-20-century german nationalist/oligarchic responses to Bolshevism?

    Christ!

    Of course, they are not really Nazi. They want to play “SS without rules”. That’s not how it works though.

  72. Anon[387] • Disclaimer says:

    Hansson is in computer circles extremely well-known and his limit probably reflects that.

    This.

    If Hansson needed money he could write a book and it would sell well because of who he is. His wife, we can presume, is just a standard issue wage earner.

    Apple gave him a high limit based on his fame, and instead of being grateful he is making a scene. Why? Perhaps he is just a white male trying to earn some Pokemon points.

  73. Anon87 says:

    Do men under 24 still pay higher car insurance premiums?

    I wish Apple/Goldman Sachs just releases the data that shows women are less financially responsible. Just pair it with a stock photo of a “Becky” and they might be able to get away with it.

  74. @Western

    I wonder what the wife put down as her income. The credit card companies ask you your income in on-line applications because that protects them from being accused of giving someone a line they can’t afford. Maybe she put down a smaller income. You can put a higher income but then you can’t complain they shouldn’t have given you the credit line you couldn’t afford.

    Perhaps she put down her personal earnings, while he put down the aggregate income. In a community property state, that’s all that matters.

  75. JR Ewing says:

    I saw this clown on CNBC yesterday. Appears to be an enormously whipped beta male who’s emotional like a woman. No wonder democrats win elections when guys like this are allowed to vote.

    • Replies: @The Wild Geese Howard
  76. @JR Ewing

    I saw this clown on CNBC yesterday. Appears to be an enormously whipped beta male who’s emotional like a woman.

    I can’t understand how someone like this makes enough from Ruby on Rails to own two one-off hypercars and has the time to become proficient enough behind the wheel to actually place first in class at a LeMans event.

    I mean, shouldn’t he be sharing his wife with an immigrant in a happy throuple? That would make far more sense.

  77. Jordi says:
    @Larry, San Francisco

    Larry, you talk shit.

    With modern data profiling, your web browser knows your sex (with a 95% certainty), your age, your hobbies, ….

    You don’t need a sex tickbox to know someone’s sex. And with AI and learning techniques, the box is redundant. The AI will profile for sex, even if sex is not explicitly provided. You can call it “disparate impact”.

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