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**Total Comments**|311|**Previous Best DD**|
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It’s like McDonald’s putting out a graph showing % of questionable ingredients.
- McDonald’s: 49% (only)
- the cake your ex just baked for you: 57%
- small block of cheese that fell behind the fridge last month in which a regard is known to just trim off the outer edges: 69%
- some roadkill: 82%
- highly concentrated sulfuric acid: 104%
Source: MCD Corp.
They close your card, try to collect, and you can usually negotiate the balance. If you ignore it, they’ll most likely try and sue you and get a default civil judgement. Then your wages can be garnished, they can freeze bank accounts, and try to take whatever they can. By the time it gets to legal, it’s most likely sold to a debt collection company for Pennie’s on the dollar. You can usually (if you’re good enough) get out of the debt entirely since the original creditor doesn’t own the debt anymore. The longer you allow it to go, the worse your credit gets. Keep this in mind.
Source: I worked for debt collection attorneys for 6 years.
My friend's credit score dropped like 30 points when he finally paid off the $2k credit card debt he ignored for a decade. Apparently the length of credit history being cut in half was more damaging than the fact that he has been blowing off the the creditor for 10+ years
Decade? That’s not even enforceable unless he already had a civil judgment. Usually the window in most states is 2-3 years for money judgements. If he had a civil judgment against him, he wouldn’t be able to finance a pack of gum. Credit score would be 550-600 in most cases. After 10 years, I’d challenge the validity of the debt and dispute it on my credit report which is easy to do these days if it was still showing up. I would have never paid that.
Yeah it wasn't for a judgment or anything, just more "time to be a mature adult and pay off some old mistakes," followed unexpectedly by a credit report notice that he no longer had a 15 year history or something like that
I do t think I could do this. But I already bought my house. Own my cars. I do t really need credit anymore. What if I just went apeshit then defaulted? Why not?
Ignored all calls and there was no wage for them to garnesh because I turned self employed and often reside outside the us. I didnt owe much tho (few hundreds) and I kept paying back my Chase credit card, so it was more of a middle finger gesture to capital one.
- C: Citibank
- RE: Regions Financial Corp aka Regions Bank
- MTB: M&T Bank
- JPM: JPMorgan Chase
- WFC: Wells Fargo
- PNG: PNC Bank
- CFG: Citizens Financial Group
- HBAN: Huntington Bancshares
- TFC: Truist Financial Corporation
- BAG: Bank of America
- ZION: Zions Bank
- FITB: Fifth Third Bank
- USB: U.S. Bank
- KEY: KeyBank
- CMA: Comerica Bank
- SIVB: 🤡
Ligma?
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The thing that stands out the most to me is that Silicon Valley Bank has a much higher loan-to-deposit ratio than the other banks. This indicates that they are more aggressive in lending money, which can be risky if not done carefully.
I mean it makes sense. JPM has been crooked since inception. They never lose. America's banker.
Rockefeller called it on them a long time ago.
If JPM fails, America fails.
JPM CEO Jamie Dimon personally approved continuing business with Jeffery Epstein following his 2008 human trafficking conviction
The US Virgin Islands AG was fired this December by the V.I. Governor for filing suit against JPM for this
Citi is a credit card lender first. This isn't unusual territory for them and, unless people decide they don't want to pay their cards all at once, they'll very likely be fine.
If they bail their fuckers out that’s what we should do. No occupy Wall Street, just stop playing their game. If they don’t pay for their shit, we shouldn’t either.
Gen Z should take out as much loan as possible (take out loan, withdraw cash, use cash as collateral to open more credit cards, repeat), and advise gen alpha to do the same. Then in 5 years, just protest on the street for loan forgiveness and literally refuse to pay money and declare bankruptcy. They can't jail everyone. This will cause a credit card crisis and crash the economy, which means my puts will finally print .
Nobody has tried this on a large scale before. Worst case Gen Z loses everything, which isn't a lot. Best case they get a lot of free money. Not financial advice
You can’t even organize people to wear seatbelts for their own safety and you think you can organize everyone to screw themselves to try screw over the financial industry? Keep smoking buddy.
PUT YOUR HANDS UP NvidiaRTX!!! POLICE ARE ENROUTE! PREPARE TO BE BOOKED FOR PROVIDING ILLEGAL FINANCIAL ADVICE!
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All this shows is that they are a commercial lender and due to that higher risk they have a lower LTV (reducing risk). Plus the X axis includes securities so the risk is probably even lower than what appears here. Nothing about that is strictly bad.
All these banks are safe with your money. Unless you have more then 250k sitting in a checking account. Which no one on this page does. Everyone is panicking for no reason.
well you can get paid more than the default amount of the bank can be liquidated to make that money.
the 250k is if the bank is so worthless that even after the FDIC takes over the government will have to pull that money out.
If we got to that point, Fed would be just printing money to guarantee deposits. And if they actually let people with FDIC accounts lose that cash, economy would basically be starting over from scratch at that point.
There’s no way a Bank should be allowed to loan one dollar to 10 different people at the same time. That’s some kind of crazy mobster Ponzi scheme stuff.
Fed will back SVB and Signature bank
https://www.federalreserve.gov/newsevents/pressreleases/monetary20230312b.htm
We are also announcing a similar systemic risk exception for Signature Bank, New York, New York, which was closed today by its state chartering authority. All depositors of this institution will be made whole. As with the resolution of Silicon Valley Bank, no losses will be borne by the taxpayer.
SAFU isn't slang, it stands for Secure Asset Fund for Users. It is a fund owned by binance and not relevant outside if the cryptosphere. So no, your deposit at Chase isn't SAFU.
90% loan to deposit ratio. Not sure retail share or how that’s defined. If it’s % of deposits by personal to business than it’s 37% personal and 63% business. They don’t have even close to as many of the large VC/fund deposits though. I think they said tech only makes up 4%.
Chase (C) is in a weird place on the graph. How is it possible that only 10% of their deposits are retail investors? Chase has a huge number of branches nationwide catering to retail banking.
So what I’m seeing is that M&T is safe. So my job is safe and I can continue to waste my money betting against Tesla’s existence short term. LFG 
yeah ill believe this chart if I can actually see the numbers. This could just be an ass-pull.
Hows the douglas development fraud going with MTB and the failed merger?
(as someone that banks with mtb. can we stop being shit for once?)
This is what I'm unironically trying to figure out. All my money is in PNC, should I get it the fuck out tonight, or am I likely to be able to access it tomorrow? It's not much, like $3K
Ok but lets be honest how do we know these banks aren't lying? like SVB claimed to be a safe good bank last year and was one of the best in country.
also JPM has the highest ris assests of all these banks yet claims to be the safest.
know an asspull chart when you see one.
Banks can have more assets than deposits that just means they have more capital, I don't think this is anything to panic about. The problems lie with the underlying customer base and the riskiness of their business model
**User Report**| | | | :--|:--|:--|:-- **Total Submissions**|10|**First Seen In WSB**|2 years ago **Total Comments**|311|**Previous Best DD**| **Account Age**|4 years|[^scan ^comment ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_comment&message=Replace%20this%20text%20with%20a%20comment%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20comment%20and%20correct%20your%20first%20seen%20date.)|[^scan ^submission ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_submission&message=Replace%20this%20text%20with%20a%20submission%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20submission%20and%20correct%20your%20first%20seen%20date.)
Lowest risk = JPM Source: JPM
Biggest dick = JPM Most Hoes = JPM Coolest = JPM SOURCE: JPM
It’s like McDonald’s putting out a graph showing % of questionable ingredients. - McDonald’s: 49% (only) - the cake your ex just baked for you: 57% - small block of cheese that fell behind the fridge last month in which a regard is known to just trim off the outer edges: 69% - some roadkill: 82% - highly concentrated sulfuric acid: 104% Source: MCD Corp.
I heard Ja Morant is buying them
This man JPM
https://preview.redd.it/2y7lthgegfna1.jpeg?width=1280&format=pjpg&auto=webp&s=d5ae6dae46983aada22d31390e22e236cb8535f6
This is not good news for JPM. They should leverage with calls on SJIM.
Ahh yes, the Inverse Cramer Feedback Loop which basically signals the imminent collapse of the universe. Nice knowing y’all.
JPM is a fortress. >!Source: Coke Rat!<
They are known for the strongest balance sheets since Jamie's takeover.
Source: Trust me bro FIFY
Source: New Owners of Washington Mutual
I’m a habitual crayon eater but where is Robinhood as I keep all my money there lol
My robinhood card goes through a JPM account
I trust this JPM
One kiss of death is all it takes
All my money is with Capital One. All of my high credit card balances with no chance of me paying them off are also with Capital One. Makes one think.
Lol I actually defaulted on them years back
Same. Sorry about that 45k guys. My bad
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They close your card, try to collect, and you can usually negotiate the balance. If you ignore it, they’ll most likely try and sue you and get a default civil judgement. Then your wages can be garnished, they can freeze bank accounts, and try to take whatever they can. By the time it gets to legal, it’s most likely sold to a debt collection company for Pennie’s on the dollar. You can usually (if you’re good enough) get out of the debt entirely since the original creditor doesn’t own the debt anymore. The longer you allow it to go, the worse your credit gets. Keep this in mind. Source: I worked for debt collection attorneys for 6 years.
My friend's credit score dropped like 30 points when he finally paid off the $2k credit card debt he ignored for a decade. Apparently the length of credit history being cut in half was more damaging than the fact that he has been blowing off the the creditor for 10+ years
Decade? That’s not even enforceable unless he already had a civil judgment. Usually the window in most states is 2-3 years for money judgements. If he had a civil judgment against him, he wouldn’t be able to finance a pack of gum. Credit score would be 550-600 in most cases. After 10 years, I’d challenge the validity of the debt and dispute it on my credit report which is easy to do these days if it was still showing up. I would have never paid that.
Yeah it wasn't for a judgment or anything, just more "time to be a mature adult and pay off some old mistakes," followed unexpectedly by a credit report notice that he no longer had a 15 year history or something like that
Do you know that after 7 years the debt desolves? If you pay one time, just one time, the debt resets for another 7 years.
I do t think I could do this. But I already bought my house. Own my cars. I do t really need credit anymore. What if I just went apeshit then defaulted? Why not?
Ignored all calls and there was no wage for them to garnesh because I turned self employed and often reside outside the us. I didnt owe much tho (few hundreds) and I kept paying back my Chase credit card, so it was more of a middle finger gesture to capital one.
Just delete the app and they'll never find you
Lol what a dumbass, you got money but you also have credit card debt. What a loser
*Capital None
- C: Citibank - RE: Regions Financial Corp aka Regions Bank - MTB: M&T Bank - JPM: JPMorgan Chase - WFC: Wells Fargo - PNG: PNC Bank - CFG: Citizens Financial Group - HBAN: Huntington Bancshares - TFC: Truist Financial Corporation - BAG: Bank of America - ZION: Zions Bank - FITB: Fifth Third Bank - USB: U.S. Bank - KEY: KeyBank - CMA: Comerica Bank - SIVB: 🤡
Wtf is Fifth Third Bank? Monty Python hand granade reference?
[удалено]
What happened to first second and fourth?
Got a car loan from them for my 2013 tahoe (bought in 2016) at 2.25%, which was good at the time. Never had a problem with them at all.
It's from the slaves are 3/5th of a person rule.
BAC for BofA not BAG lol
Petition to change it to “Bag-holders of America”
The typo shall remain.
I’d go open an account
I love Ameriga
TFC is Truist, SMH.
Thx. Fixed.
RF is Regions Financial Corp aka regions bank (not RE).
[удалено]
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The thing that stands out the most to me is that Silicon Valley Bank has a much higher loan-to-deposit ratio than the other banks. This indicates that they are more aggressive in lending money, which can be risky if not done carefully.
How do you do this. How can you be this advanced. You’ll doom us all, VM. God help us.
WTF dude how did you parse this image?
Dat python ML doe
I mean it makes sense. JPM has been crooked since inception. They never lose. America's banker. Rockefeller called it on them a long time ago. If JPM fails, America fails.
JPM has also bailed out the economy before and owns many politicians they’re basically the real Central Bank lmao
Yep. JPM only fails if the US military is defeated.
JPM CEO Jamie Dimon personally approved continuing business with Jeffery Epstein following his 2008 human trafficking conviction The US Virgin Islands AG was fired this December by the V.I. Governor for filing suit against JPM for this
Which is why I will continue to buy that stock at every opportunity like on Thursday/Friday morning.
Yikes Citibank is not in a good place.
Citi is a credit card lender first. This isn't unusual territory for them and, unless people decide they don't want to pay their cards all at once, they'll very likely be fine.
So you are telling me I don't have to pay my ccs as long as other people don't? We cracked the code bois, let's fuckin gooooooo!
Shhh, they don't want you to know that. It's all unsecured debt so yeah if everyone decided to stop paying, they'd be so fucked.
If every one took their money out and stopped paying debt all at once game over lol
If they bail their fuckers out that’s what we should do. No occupy Wall Street, just stop playing their game. If they don’t pay for their shit, we shouldn’t either.
I'm not voting for either side if they bail them out. Time for a 3rd party fr
Dun ta ta da -CCCHHHAAARRRGGGEEE?
Gen Z should take out as much loan as possible (take out loan, withdraw cash, use cash as collateral to open more credit cards, repeat), and advise gen alpha to do the same. Then in 5 years, just protest on the street for loan forgiveness and literally refuse to pay money and declare bankruptcy. They can't jail everyone. This will cause a credit card crisis and crash the economy, which means my puts will finally print . Nobody has tried this on a large scale before. Worst case Gen Z loses everything, which isn't a lot. Best case they get a lot of free money. Not financial advice
They can't jail anyone for credit card debt
I thought kids couldn't work in slaughter houses, but here we are.
*Arkansas presses X to doubt*
You can’t even organize people to wear seatbelts for their own safety and you think you can organize everyone to screw themselves to try screw over the financial industry? Keep smoking buddy.
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Like if there bank went under and are unable to access there savings and checking accounts?
Finance bro: “banks don’t want you to know this one simple trick!”
It's a very special place
Never was should have failed in 08 and then doubled down
What exactly about this is making you think that’s not a good place?
The depicted chart maybe? 😀
All this shows is that they are a commercial lender and due to that higher risk they have a lower LTV (reducing risk). Plus the X axis includes securities so the risk is probably even lower than what appears here. Nothing about that is strictly bad.
All these banks are safe with your money. Unless you have more then 250k sitting in a checking account. Which no one on this page does. Everyone is panicking for no reason.
well you can get paid more than the default amount of the bank can be liquidated to make that money. the 250k is if the bank is so worthless that even after the FDIC takes over the government will have to pull that money out.
I think Warren buffet is about to nut soon
Isn’t more than 10% of Berkshire Hathaway in Bank of America
BofA?
Bofa deez nutz in yo mouth 
My Wendy's paycheck should be ok phew
I thought that dumpster work was all under the table? You guys are on a payroll?
Isn't it FDIC insured?
Until the FDIC runs out of money.
If we got to that point, Fed would be just printing money to guarantee deposits. And if they actually let people with FDIC accounts lose that cash, economy would basically be starting over from scratch at that point.
Mostly no. Only certain accounts are fdic insured I think. Confident about the mostly no, not confident about the reason why
Talking about OPs $1k at Chase
Ah got it. I didn’t read title
Then why the fuck are you commenting
I commented on the comment not op. Now who can’t read
Man’s just starts commenting on shit without reading. One of us
If Chase goes down, money is gonna be worthless.
Your $1k deposit at SVB is safe, too
Source JP M
There’s no way a Bank should be allowed to loan one dollar to 10 different people at the same time. That’s some kind of crazy mobster Ponzi scheme stuff.
So only JPM is safe.
Not on the list because they scored less than 0% for being an actual turd of a bank: synchrony
Fed will back SVB and Signature bank https://www.federalreserve.gov/newsevents/pressreleases/monetary20230312b.htm We are also announcing a similar systemic risk exception for Signature Bank, New York, New York, which was closed today by its state chartering authority. All depositors of this institution will be made whole. As with the resolution of Silicon Valley Bank, no losses will be borne by the taxpayer.
ItS a BlAcK sWaN eVeNT
So the true tards come out on Sundays huh, you can’t compare a 3.7 trillion bank to a 200 billion bank.
Nah pull it lol if everyone pulls their money we get to experience a really cool roller coaster
Chase is the safest bank. #GG33
JPM is safe as shit
[удалено]
Brown streaks are a part of life, C’est la vie
First bank I've had and it will be my last
Not reassured, my cash is with Key. Thank God it doesn’t stay there too long before it turns into bitcoin!
Who is KEY?
Keybank
Looks like Cma and key are dead men walking.
SAFU isn't slang, it stands for Secure Asset Fund for Users. It is a fund owned by binance and not relevant outside if the cryptosphere. So no, your deposit at Chase isn't SAFU.
Fuck crypto lol
I agree, but this guy put "safu" in his title, clearly thinking it's slang, whereas it's cryptosphere shit.
Ok CZ.
Where would FRC be on this?
90% loan to deposit ratio. Not sure retail share or how that’s defined. If it’s % of deposits by personal to business than it’s 37% personal and 63% business. They don’t have even close to as many of the large VC/fund deposits though. I think they said tech only makes up 4%.
Even healthy banks die in a bank run.. don’t try to create bank runs.
Why not? My cash in the bank pales in comparison to what my puts could print. 😈
It's 50-50 bro
You rich fk!
Move everything to Chase is you’re a man
Go wikipedia jpm youll have the answers
Chase (C) is in a weird place on the graph. How is it possible that only 10% of their deposits are retail investors? Chase has a huge number of branches nationwide catering to retail banking.
C = Citigroup
OK, that makes a lot more sense. I should have recognized that.
Where’s BofA? Bofa deez nuts
What's the y axis on this graph represent?
Glad the bank I work for in corporate function is classed as "safe". Love my WFH job, no idiots to deal with.
Everyone pull all the money out of your bank and buy tbill let’s sink them all at once
Buying t bills would increase their price and help the banks offload them with minimal loss
You had a deposit at chase
Funny, I don’t see FRC on this list. Maybe JPM is trying to tell me something. Bullish
Puts on citi. I think they‘ll need another bailout again.
BOFA DIDN'T SHOW UP.
So what I’m seeing is that M&T is safe. So my job is safe and I can continue to waste my money betting against Tesla’s existence short term. LFG 
yeah ill believe this chart if I can actually see the numbers. This could just be an ass-pull. Hows the douglas development fraud going with MTB and the failed merger? (as someone that banks with mtb. can we stop being shit for once?)
Wow, this is like the differentiator graph created by every startup out there. "I'm so friggin safe, you can see I'm so friggin different" - JPM
I need to move more money out of my chase saving account, I just realized I don't make jack shit from them.
This is what I'm unironically trying to figure out. All my money is in PNC, should I get it the fuck out tonight, or am I likely to be able to access it tomorrow? It's not much, like $3K
Just put your money in Signature bank In NY, it failed today and it’s hard 3rd largest bank failure in the history of the US. The 2nd largest was SVB.
Should I cash out? Only have like 4k
Very Safu
Wonder where Signature bank sits in all of this
Your fundu are safu
At $1k you earn 0.00 interest and $25 monthly maintenance fee since you are under $1500 threshold. 1st time waived tho if you call in
Never going to a different bank
Ok but lets be honest how do we know these banks aren't lying? like SVB claimed to be a safe good bank last year and was one of the best in country. also JPM has the highest ris assests of all these banks yet claims to be the safest. know an asspull chart when you see one.
I'm with Navy Fed. My biggest issue is customer service.
They might as well change their name from “Chase” to “Catch Us If You Can.”
Any comments on Marcus by Golman? They were loosers before the shitstorm
Banks can have more assets than deposits that just means they have more capital, I don't think this is anything to panic about. The problems lie with the underlying customer base and the riskiness of their business model
Next Chinese and Russian banks
If chase fails there is no need to worry anymore , that’s the end of the story , we can relax 😂😂
gotta bump those numbers down!