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- Kung Fewer & Kleed SO kleed tier! Welcome Roberto, Will, Stephen, David, Vinccent & Gerson!
- Couch monzo referral – thanks!
- Monzo David referral – thanks!
- Thezorrito offered Adidas coupon, thanks!
- Amex Send in Venmo
- Able to pay venmo requests via CC balance
- No rewards but no fees for 30 days, shows as charge
- Must set limit in Amex for it to work
- Cannot have a Venmo balance to use
- Would always have to transfer out balance to use it
- Able to pay venmo requests via CC balance
- Cardless & Qatar To Launch Two New Credit Cards
- Waitlist has elevated SUB
- Now will have 5 CCs in their lineup
- My Visions CU SUB DP
- Netspend accounts now have 60 day inactivity fee
- DoC
- I am closing mine
- Now sure what HEB Debit is doing (also netspend but 5% for $2k)
- Messaged to close, told to do it in account. Did it, account was locked and had to call. Phone tree is miserable
- Agent confirmed email was to notify me of the account closure. Agent also shared HEB Debit will also get update but email has not been sent yet
- FNBO Ducks Unlimited letter
- APR going up from 24.24% -> 27.9%
- [Expired/Lightning Deal] TCB Incentive
- SoFi
- Increst transfer bonus
- Increased SUB from $500 -> $550 (w/portal)
- Updated fee schedule
- Inactivity fee: A $25 fee will be applied per account after six months of login inactivity.
- Amazon Store Card now accepted at Whole Foods via app
- Juno
- USDC price is no longer 1:1 (passing fee from network onto customer)
- Coinbase is still 1:1
- Juno Points changes
- 5x on all card spend
- Cash back limit up to $500 (no more boost, up from $300)
- No more DD Juno Points
- No more 3x Juno Points boost (obsolete due to 5x)
- Temporary disruption of services
- Scary updates, Evolve Bank & Trust liquidity issues?
- USDC price is no longer 1:1 (passing fee from network onto customer)
- Free plant from Lowes 5/11-5/12
- BILT
- Partners with BLADE
- “Bilt Platinum Members get a complimentary BLADE helicopter flight between their Manhattan lounges and JFK or Newark airports–every year. And later this summer, Bilt Members looking to live their European dream will even be able to use their BLADE credit for flights between Monaco and Nice.”
- BILT adds Hilton 1:1 (not worth)
- Partners with BLADE
- Barclay launches Xbox card
- StackSocial: Buy Costco Membership & Get Bonus $40 Costco Shop Card
- Middlesex FCU SUB DP – Referral & SUB stackable
- [Expired] Sams Club Membership for $12
- Fidelity CMA add Sweep program (live June 15th)
- AA delays no mileage for 3rd party purchases
- Airlines required to refund passengers for canceled, delayed flights
- Cloaked purchase
- WiFi in London required phone numbers and email addresses – ~$30/y for emails and phone numbers worth it (use code LEXPOD)
- Albert cancel boost reset (HT warhawke)
- Possible to reset your boosts
- Use, cancel Genius, sign up for trial again
- Can transfer out from within Albert
- Possible to reset your boosts
- BofA Auto pay
- Signed up 3/27 but bill generated 3/22 so auto pay didn’t schedule a payment for it. Shared $120 in fees. Called, got refunded and scheduled manual payment
- Great discussions on why people churn
- Chase
- MDD Instructions/Info
- Increased Sapphire offers in branch
- Chase adds PYB to Disney cards
- Pentucket Changes (previous SUB)
- The Daily Churn highlights (requires $25/m access, I am grandfathered at $5/m)
- Great write up on Pepper GC app use cases
- Robinhood vs Webull IRA offer: if you live in a state with state income tax there’s a decent chance the Robinhood offer is better
- BlueDot to remove rewards at end of April (HT uberbrinet)
- [MA, NH, ME, RI, CT, VT] Country Bank $200 Checking Bonus
- Laurel Road $300 Checking Bonus + $20 Per Month
- [Expired] Costco.com $500 Southwest eGiftcard For $419.99
- Crypto scam
- Call from “wow” that a crypto transaction came through on my account – press 1 to deny
- CFF 10% back on Grocery for first year, up to $1.2k
- Key point sub progress
- $50 posted 3/1/,4/1,5/1 for $500 DD/m
- Robinhood fee (ep37)
- Original email said nothing about proof
- Never got reimbursed, replied to email
- Asked for proof
- Chase British Airways: 85k Point After $5k in 3m (Aer Lingus & Iberia)
- Upgrade Line of Credit CC: The issuing bank for your Upgrade Card is changing from Sutton Bank to Cross River Bank, so you will be issued a new card
- Old DoC SUB info
- “By activating your new card, or requesting new balance transfers or ACH transactions to your bank account from your Upgrade Card account after this notice, you confirm that you understand and agree to these changes. If you do not want to accept these changes, do not activate your new card or use your credit line.”
- I will not be activating
- Sense per Point newsletters are great
- Wealthfront Auto Bond Ladders
- 0.25% fee
- Can be done manually
- Rates are about the same as the checking interest but no state income tax
- Citi Premier -> Strata Premier (DoC)
- Amex
- Amex Business Platinum 1:1 Cashout Now Available Online
- Amex Delta Skymiles SUB 40k + $400 w/ flight booking (HT kungfeuhrer)
- Amex Plat airline credit (more info)
- Amex Boeing 747 card back (HT Kleed)
- Plat 40th year anniversary deals
- Amex Plat streaming credit might be able to use this combo of Hulu Max & Disney+
- 175k points posted
- Currently at 250k MR (some will be sent to referrers)
- Check your Chase Bonus
- Expedite Chase URs via PC
- Google Pixel Tablet has good trade ins for older tablets
- CFPB Updates
- They took action against Chime for not refunding customers in a timely manner after closing their accounts.
- “Chime’s customers had to wait weeks or months for access to their own money and were forced to use alternative funds to cover their essential expenses. Fast-growing financial firms must treat their customers fairly and understand that federal law is not a suggestion.”
- The CFPB’s order requires Chime to provide at least $1.3 million in redress to consumers it harmed, and pay a $3.25 million penalty into the CFPB’s victims relief fund.
- CFPB is held a public hearing today at 10am EST Airline and Credit Card Rewards Programs (I watched it so you don’t have to). Highlights:
- Allegiant Air Scott basically read as an ad for their BofA co branded CC
- 30-80% of Airline revenues come from CC revenue for airlines
- “Airlines cannot afford the rewards they are awarding”
- “Operating costs exceed passenger seat value at all airlines except Delta. Airlines make their money off of credit cards” Flight Attendant spokesperson
- Some flight attends make $10k-$15k annually for advertising and getting CC sign ups
- Many references to 4 large airlines and banks, none wanted to speak publicly
- “88% of our rewards customers revolve” Apple Credit Union CEO
- Lots of references to AA’s changes for earning miles
- Public comment quoted 7-10% interchange fees on EV charging
- CFPB Report Highlights Consumer Frustrations with Credit Card Rewards Programs
- “Credit card companies promise upfront benefits for signing up and using their rewards card, but often bury complex terms in the fine print for using the rewards. The CFPB will be looking for ways to protect people’s points, stop bait-and-switch scams, and promote a fair and competitive market for credit card rewards.”
- Credit card issuers impose vague or hidden conditions that keep consumers from receiving rewards:
- Companies devalue rewards
- Consumers encounter redemption issues with earned benefits
- Companies revoke previously earned rewards
- Federal consumer protection laws apply to rewards programs offered in connection with consumer financial products or services. The CFPB has taken action against credit card issuers such as American Express and Bank of America for engaging in unfair, deceptive, or abusive acts or practices related to rewards programs. CFPB will continue to monitor credit card rewards programs and will take necessary action on these issues as appropriate.
- They took action against Chime for not refunding customers in a timely manner after closing their accounts.
- Booked flight
- 20% discount with PRE
- BofA portal does not have Spirit
- But they issue the Spirit card lol
- Transferred points from PR -> PRE
- CapOne travel
- Had a $50 credit from an automatic flight price drop match
- Yotta negative changes
- Scary updates tbh
- California says restaurants must bake all of their add-on fees into menu prices
- Chase & BofA 10% back at HIlton
- [Expired/Lightning Deal] Amazon GC deals
- Purchased $100 Lyft GC for $80.75
(HT prjkthack on Discord)
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