# News Pod #13 - Experian No Ding Decline, American + Citi CoBrand, and Cash App P2P News

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Text version: https://stenobird.com/podcast/the-free-toaster-7173245/news-pod-13-experian-no-ding-decline-american-citi-cobrand-and-cash-app-p2p-news.md
Podcast: [The Free Toaster](https://stenobird.com/podcast/the-free-toaster-7173245)
Published: 2026-04-11T00:10:35+00:00
Episode link: https://thefreetoaster.podbean.com/e/news-pod-13-experian-no-ding-decline-american-citi-cobrand-and-cash-app-p2p-news/
Audio file: https://mcdn.podbean.com/mf/web/q4atp2i43u23gew7/News_Pod_0410AUDIO6w64b.mp3
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Duration seconds: 1137

## Resource

Carlos and Nick welcome Amanda Braslow to the show as the newest partner in the business and GM of events. Amanda brings fifteen years from Capital One, most of it in the co-brand trenches. Her first big project putting together the Free Toaster Affiliate Marketing Summit on September 23rd in San Francisco at the Exploratorium. Three stories this week. First, Experian extended its no-ding decline feature from credit cards into personal loans. Rakesh at Experian gave us an exclusive data point: over 40 percent of cards and loans acquired through the marketplace now come through no-ding, even though the partner roster seems to be still filling in. Carlos's take for fintech lenders is simple. Get on the phone with Experian and Credit Karma, understand how no-ding and the Karma Guarantee actually work, and get enabled. Second, Citi and American Airlines are deepening their nearly forty-year co-brand partnership, with Citi branding going up at Admirals Club entrances in Chicago, Dallas, LA, and Miami. Amanda reads this as much more than a logo refresh. American ran a real RFP, dropped Barclays as a second issuer, and Citi almost certainly paid up to lock in solo status and plant a flag for Strada Elite in the premium lounge wars. Third, Cash App rolled out buy now, pay later on peer-to-peer transfers. Send $25 or more in the last 30 days and you can convert it to a six-week installment plan at a 7.5 percent fee. Nick flags the distribution implications of 59 million monthly transacting users getting BNPL rails, and the group riffs on where this goes next. Amanda's prediction: DraftKings in your inbox offering to finance your next bet. Carlos notes the WSOP is now taking up to $10,000 in buy-ins on credit cards with no fee. Someone is going to get hurt at the end of this, an…

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## Transcript

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