Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! 

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Intro music can be found here!

• Kung Fewer & Kleed SO kleed tier! Welcome JustKeepSwimming & redacted!
  • JKS brought up Alber info, full (old) write up here
• Dunkin changes rewards program
  • Full comparison here (credit u/iDontWantYourPoints)
• Ness & CFPB (thanks Kiris for inspiration)
  • Submitted to the CFPB on 1/10/2024
  • Referred to Federal Deposit Insurance Corporation
  • No update
• Everyplate free meals
  • FRB-9GIOEIZI0
    • $70 off first box, excluding shipping
  • Sending less and less (new box had none)
• Capital One account review [also in ep23]
  • Called to opt out, fully automated & easy
• GuitarCenter Saga
  • 9/8/2023 – $1600 order or Paiste 2002 cymbal kit, may items backordered but quoted end of October shipment
  • 11/11/2023 – contacted support, got agent David to personally handle case, said EOM for shipment
  • Called David multiple times before EOY for update, further backordered for one cymbal, $50 refund
  • 1/9/2024 – Called David, no answer, left voicemail
  • 1/9/2024 – Call from Des, David has been promoted and no longer handling case. Said Paiste has never been contacted and would I like them to be contacted. Said unacceptable, want cymbal, additional $50 discount
• Cardless nastygram (credit Kleed): account must be used in 21d or will be closed
• Chase $900 banking bonus extended through 4/17/24
• First time Amazon GC reload $12 bonus
• Redstone FCU
  • Approved for $10k limit
  • Rewards are worth .5cpp but you get 10x restaurants & gas, 6x on groceries, discount stores, wholesale clubs, utilities, phone & streaming services and 3x on all else
    • Thanks listener Derek for emailing in and pointing out I did not state this last episode
  • Redstone FCU partial review
    • UI is outdated and clunky but good CS
• Legendary 2042 Haters Guide to CCs – Highlighting some of my favs
  • Sapphire Preferred: You literally cry when someone mentions “buying groceries in-person.”
  • Freedom: Enjoy the three months a year where Chase doesn’t hang you out to dry for groceries
  • Chase Ink: You have absolutely no loyalty to anything in life. You churn through credit card issuers like you move through relationships. You outright lie about your revenue or income to the bank. You don’t wonder whether or not personal spend can go on business cards — you’re certain that it may
  • Amazon: Every time you check Amazon, you find fewer and fewer brands you’ve heard of: TASALON stools, TOONOW blankets, and TERLULU silverware. But if you’re into outsourced production and corporate overloads, I guess this is fine.
  • Custom Cash: Your credit limit is probably $600, which is fine because you earn 1% on anything above $500 within a category
  • Double Cash: You’re a boring person and have absolutely no stand-out features as a human being. Everyone else will recommend that you next get a Custom Cash, then a Premier — advice which you will accept. If you choose another ecosystem, this card will become useless or replaceable. Welcome to Citi, sucker.
  • Premier: You google “Citi Strata update 2024” three times per week.
  • Credit One: You were probably scammed. You might have the basis for a valid legal claim. Next, I have a bridge to sell you. @kleed
  • Redstone FCU Signature. You are from the northeast, yet pilfered this local credit union for its credit card offering. You joined some weird organization you’ve never heard of, just so you could schedule a Skype call with a nice, elderly staff member. You then lied straight to the face of this sweet old southern lady. Yes, you were very interested in other financial offerings. Of course, you wanted to open that checking account. And you just have a natural fondness for credit unions and southern charm. You have the most confusing portal of any credit card issuer, and find that your points double then halve themselves, all in the course of earning. It might be the least convenient cashback card on the market. You recommend this card, arduous acquisition included, to literally everyone: elderly parents and college students alike. You live in constant fear of nerfs.
• Citi CC Banking offer
• Interesting readup about an Amex lawsuit
• BofA tracker resets on 1/14/2024
  • Time for more BofA GCs
• Robinhood Gold going to $6.99/m from $5/m
• [NJ, PA, NY] Visions FCU $200 SUB $2500 CC funding 
  • Should have waited and used Redstone FCU to meet SUB, used BofA UC w/ 0% till 11/24
• Booked Europe Trip 2 April-May London, Prague, Amsterdam
  • Reach out with suggestions!