I'm looking at the home page but I have no idea what this is. Is this a payment thing? I see a credit card under "Upgrade your card". No sure what that means though, upgrading my card. Then some more stuff that looks like I can pay with this. Then it talks about "treats" and treating friends. So, is this a payment thing were I collect "rewards" by paying for stuff and instead of rewarding myself I have to reward my friends?

From just the home page, I find this very confusing.

What a disappointing product after such hype. Seems like a desperation pivot. I'd guess that the business partnerships didn't pan out and Apple supplants their proprietary technology with Apple's ecosystem. Given how crowded the rewards marketplace is, this seems like they're just throwing good money after bad.

So I was reading about clinkle last night and I was thinking "What a joke!", but as they now have a product I decided to try and check it out.

Obviously, I'm curious of what I have to pay. Encouragingly, there's text that says:

> Clinkle has no minimums, no monthly fees, and no fee to get your card. There’s no fee to load funds from your bank account, and no fee to use Treats. That’s the way we like it.

But then, in smaller letters with font color that almost matches the background, it says:

> Read more about the few fees we do charge in our Cardholder Agreement.

Does this seem disingenuous to anyone other than me? The first impression is no fees, and then I realize that I know nothing about what fees they'll charge. No thanks.

I just realized recently the major distinction between the San Francisco tech scene and the South Bay/Silicon Valley tech scene: substance.

The South Bay has all these established players like Google, Facebook, Apple, Yahoo, etc(to name the larger names). San Francisco has the revenue-earners and shit like Clinkle(I guess we have Uber and Airbnb but that story hasn't fully played out yet). Like Square and Dropbox are toast and both SF companies.

I guess it's a small distinction but an important one. The SF tech scene is much, much younger than it's South Bay counterpart.

Clinkle will definitely fail(that is it will never become an established player on it's own like South Bay companies like Apple/Google/Yahoo/etc.). It'll likely be acquired or maybe even crash and burn, regardless I sincerely question it's long-term potential as I do most SF-based tech companies.

No, it is not! And it's buggy. It says I've received 3 verifications already to my phone, when I've never got any, and it's now asking me to send them an email, which they never reply to (I've been thru this a few months ago)! The most annoying onboarding process I've seen! Annoying and irrelevant at that stage low-res videos. Forces you to slide up things when it's not necessary. All that fanfare for nothing!

Google Wallet and PayPal Debit Card (with its 1.5% cashback on everything and the short-term $1,000 credit when your balance is not enough to cover a charge) already work great for me!

This is great news. I have been looking for a compelling pre-paid debit card ever since my Kardashian Kard was abruptly removed from my life[1] and this looks like it fits the bill.

I hope Dogecoin integration is coming soon. If I could load my Clinkle with Dogecoin, I would finally be able to ditch my Amex Centurion.

[1] http://money.cnn.com/2010/11/29/pf/kardashian_kard_terminate...

It's a debit card with rewards program.

"Swipe like your normal debit card to buy everyday stuff, like an espresso"

like... I still have absolutely no idea what's going on here.

so I said "Ya know what - I'm going to give them a chance." then downloaded the app, filled out the form on my phone and since I didn't go to college I'm 146,333 on the public waiting list. Awesome.

I haven't used a prepaid card before - But I figured I'd play around with it and get my friends to join as currently we're transferring funds for rent/food etc.. (use case?) but now apparently they need a different kind of feedback.

Good luck Clinkle

Duplicate of https://news.ycombinator.com/item?id=8358737

Was prepaid debit card their pitch to investors?

Is this the idea that they raised $30 million with? It's essentially Venmo with an opaque "Treats" feature.

I had never heard of this until today, suspect I will never hear about it ever again.

How is this different from all the reward cards out there?

Sometimes I feel like a negative nancy, but seriously, what the crap. A rewards program? Really?

What does this have over Simple?

this looks absolutely retarded