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!

• Album coming soon! Check the end of the episode for a snippet…
• Kung Fewer & Kleed SO kleed tier! Welcome Caleb!
• Daniel Monzo referral. Thanks!
• Apple digital wallet announcements at WWDC
  • NFC feature has been a thing on Android for years
• Wealthfront 1% referral boost now available for some college employees (lost link)
• Robinhood 1% match on all DEPOSITS
  • DoC
• CLEAR in Logan
  • Two clears?
  • It’s not PreCheck?
  • Hate it
• EWR SUCKS
• Discover Interest Mistake
  • Offered 0% APR on new purchases for 12 months
  • Set payment to minimum
  • Didn’t account for outstanding balance of ~$200
  • Been charged ~$6 in interest since May
• Looking for best card for category app
  • MaxRewards
    • Nuked my BofA online banking
    • Referral
  • CardPointers
• Wells Fargo $325 posted
• Uber Gift Card tracked for BofA PRE Lifestyle credit
  • 6/11/2024 $100 Uber GC reload “BC UBER CASH” merchant description TAXICABS AND LIMOUSINES
  • 6/14/2024 Meter Moved
  • 6/15/2024 credit posted
  • Losing ~20%
  • No response on other claims
• Synapse Evolve
  • Shortfall likely
  • Pathak already onto next venture with $11M funding
  • I can’t keep updating…
• LAX Chase Sapphire lounge
• DoorDash summer deals for DashPass members 
• Chase Q3
  • All 5% on DoC
• [Lightning Deal/Expired] TCB $2.50 for $15 spend
• Venture X automatic check for negative balance
• WF Losing on BILT
  • But Wells is losing as much as $10 million every month on the program as savvy customers flock to the card, according to current and former employees.
  • Executives made internal projections on key revenue drivers, such as the likelihood that cardholders would carry balances, that turned out to be inaccurate. 
  • Wells has told Bilt that it doesn’t intend to renew the contract, which is scheduled to end in 2029, unless economics are changed in its favor. 
  • About six months after the credit card was launched, Wells began paying Bilt a fee of about 0.80% of each rent transaction, even though the bank isn’t collecting interchange fees from landlords. 
  • Jain founded Bilt in 2019. The startup needed a bank partner to issue a credit card since it couldn’t underwrite or lend on its own. Its first issuer was Evolve Bank & Trust, a small Tennessee bank, but Bilt wanted to ultimately go bigger. 
  • Few projections that Wells had for the card have panned out. The bank assumed around 65% of card-purchase volume would be nonrent, generating interchange-fee revenue. The reality is inverted. 
  • Wells expected that around half to three-fourths of dollars charged to the card would carry over from month to month, generating interest charges. The reality ranges between around 15% and 25%. 
  • Reddit
  • DoC
  • Bilt CEO responds 
• Chase ink SUB rumor
• Visa MC settlement dropped
• Targeted BofA offer
• Chase PUJ??
  • Reddit source
• BNPL discontinued by AAPL (HT klfjoat)
• YouTube Premium discount
• Blue Dot changes
  • “20% charging cash back portion is going away, and instead will be in-app charging only billed to your linked payment method. All points from cash back and referrals are going away”
• Verizon Visa changes (HT Kleed)
  • 
• Chartway SUB (Chex sensitive)
• Oatly Securities Settlement
• Amex Acquisitions
  • Reddit additional information
• Future Card double cash back event through June
  • Talk about benefits
  • Send Future Arcadia bill
  • Referral
• AMC Stubs Discount
• NY Staples to no longer carry Amazon GCs
• Priority Pass adding Escape Lounges
• BofA PRE AF due
  • Not posted yet, will try retention. Any experience?
• Axos $500 SUB
  • Applied, pending
• Bose CS