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

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

If you want, support me on patreon!

• Sweaty Heavy Lemon
  • Album on Linktree
  • Intro music can be found here!

• Kung Fewer, Kleed, Dion, Erica, & Shuhui kleed tier! Welcome Linus, Neil and Yaaarp!
• Show Notes doc now allows comments
• Wealthfront referral – Thanks Joshua!
• Future Amtrak Returns!
  • Ep 50
• Pepper GC Balance
  • Sephora $75 GC
    • Pepper App
      • 
    • Sephora Gift Card Balance Check
      • 
  • Sephora $100 GC
    • Pepper App
      • 
    • Sephora Gift Card Balance Check
      • 
    • In Sephora Account
      • $100
• Chase
  • Chase Sapphire Reserve Pay Yourself Back Categories: Gas, Insurance, Utilites, Gym, Annual Fee (1.25% Cashout) – Doctor Of Credit
  • Chase Aeroplan: Pay Yourself Back On Travel Purchases
  • Chase Aeroplan: Pay Yourself Back On Travel 1.25 Cents Now Limited To 200k Per Year
  • (Update) Chase Freedom 5x Surprise Category For March 2025: Insurance, Tax Prep & More
  • Chase Changing All United Credits To Travel Bank
• [2025/2026 Pass For $299] Frontier All You Can Fly ‘GoWild!’ Pass
• [Lightning Deal/Expired] Free $10 Lyft Credit on December 31st (Code COUNTDOWN)
• CFPB warns of illegal credit card rewards practices
• [Lightning Deal/Expired] AmEx Offers (Platinum): Get 25% Back At Walmart.com, Up To $25 Statement Credits
• Robinhood
  • Fee schedule update
    • $0.000166 per share per sell but is rounded to the nearest cent and assume it would round down in almost all cases (ht Sup)
  • Robinhood Piece of Pie Payout of $8
    • Ep 54
  • Robinhood Gold Card Limited Edition
    • KT Kleed
    • Different redemption price for different users
  • Robinhood countdown
    • NYE $2.5M Dogecoin $5.93 HT pandaman & Justin
    • NYD $2.5M Bitcoin $8.21 HT Kleed
      • RH gold only, must keep gold for a year
• Opened NFCU relationship
  • No documents required to join
  • $100 CC finding (Visa/MC)
  • Pre approved for Flagship ($49 AF), opened w/ $7.1k limit
    • 40k pts (1cpp) $3.5k spend in 3m + $300 for new membership
    • Prime free every year
    • GE/PreCheck
  • Investing bonus $200
• FTX update
  • Asking for crypto account to pay out to. I chose Kraken
• Citi dispute resolved (ep 52)
• My Current AFs
• Evolve Coverage on WSJ
• Amex BCP SUB posted
  • Shows as a statement credit with the description of the merchant that triggered it, not cash back points
• Rakuten: Alliant Credit Union $200/20,000 Checking Bonus
  • Ep 48 (triple dip details)
• First Tech Federal Credit Union $300 Checking Bonus
  • Ep 32
  • My DP
• Apple Card SUBs – $100 for $500 spend, $300 for $1500 spend
  • Reddit
• Free BofA PRE strategy
• BofA rabbit hole
  • Octave card
    • DoC
  • Merrill Plus Visa Signature card
  • Oxygen Fire card unboxing
• Blue Foundry SUB
  • Saw in person, applied, no reply
• Langham stay
  • $100 experience credit
  • $84 breakfast credit
  • 10x on CapOne Portal
  • Shoe shining
  • No charge for any of meals
• Zelle App Shutting Down
• inKind
  • inKind: $25 Off $50 (Works For New/Existing Users)
  • GCs @ Costco
• VX limiting PP guests to 2 from unlimited 
  • DoC
• Card Benefits Reset
  • Purchased 2x $100 United Travel bank
    • 1/1/25 2x $100 travel bank loaded
    • 1/4/25 2x $100 credit posted
  • BofA meters will move ~1/14
• Citi Custom Cash Offer Targeted Offer
• Most Popular Posts From 2024 – Doctor Of Credit
• Arcadia
  • Services transferred to Neighborhood Solar. Last month my electric bill wasn’t paid by Arcadia and I wasn’t even notified of that
  • Reached out and they said apologies we’ll communicate changes in the new year and have me a $5 credit for my troubles, which I can’t use now that I’m not using Arcadia. And I used to get 10% off Arcadia with Future but now I won’t because I’m changing services
  • Neighborhood Solar said I will now get 20% off but bullying will change
  • Will still Charge to Future for 5% off Utilities
• Discover Checking SUB back
  • HT Chernelius Caesar
  • See Ep 53 for free $30/m (still working!)
• Brokerage Bonuses
  • M1 Finance Brokerage Bonus: .5% Of Transfer Amount, Up To $25,000
  • Frec: $250 Referral Brokerage Bonus ($20,000 Minimum)
  • Charles Schwab $101 Brokerage Bonus (Easy Requirements)
• Langley Referral posted
  • DoC DP
• Bank of America Alaska Airlines Card 75,000 Miles Offer + Companion Fare
• Hilton GCs
  • American Express Business Platinum Adds $200 In Hilton Credits ($50/Quarter)
  • Hilton GC Shortage
• [Update: Lower Fees] A Complete Guide To Paying Your Federal Taxes With A Credit Card
• Citi Costco card updates/design change
  • DoC
  • Reddit
• [AZ, CA, FL, IN, MI, NJ, NY, OH, WI] Flagstar Bank $300-$500 Checking Bonus
• Purchase Beer & $75 In Groceries & Get $20 Back
• Pima FCU nationwide CC funding
  • Applied, no response, no charge on CC, check DoC comments for bad stories
• Spotify Creators Wrapped – average ~1k listeners per episode

• Patreon made <$2k in 2024