Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!
Housekeeping
- If you want, support me on patreon! (00:49)
SweatyHeavy Lemon (01:43)- Heavy Lemon concert (01:43)
- Intro music can be found here! (01:46)
- New song 6:05 slaps (01:48)
- SO Kung Fewer, Kleed, Dion, Erica, Shuhui & Daniel in the kleed tier! Welcome TJ, MS Churner & John! (02:07)
- Discord updates (01:03)
- Clip of CVS hacks from last episode (02:22)
- HT everypennyevan (02:22)
- 20% off $100 CVS GC, only triggered $10 off $50? (02:40)
- DoC (2:47)
- Where have I seen this comparison before (04:20) 🤔
Credit Cards (05:00)
- Citi (05:10)
- Citi deval, seems to be effecting Strata Premier only ATM (05:10)
- New Citi Strata Card To Replace Rewards+ Card (Benefits Added & Removed) – Doctor Of Credit (06:55)
- Entertainment Breakdown spreadsheet (09:10)
- Shoutout Jordan C (10:15)
- Entertainment Breakdown spreadsheet (09:10)
- Citi AAdvantage Executive 100,000 Mile Offer – Doctor Of Credit (12:40)
- Barclays (13:25)
- Barclays launched its version of the GM Mastercard with a 30,000 point after $1,000 spend in 90 days sign-up bonus and 3x everywhere earning. (13:25)
- DoC (15:35)
- [Targeted] Barclays 85,000 Hawaiian Airlines Bonus – Doctor Of Credit (15:56)
- Barclays launched its version of the GM Mastercard with a 30,000 point after $1,000 spend in 90 days sign-up bonus and 3x everywhere earning. (13:25)
- The Marcus version of this card had a better bonus and earns 4x everywhere. The Marcus cards will convert to Barclays cards soon, but the earning structure for conversions is unclear (17:14)
- HT ME&B (17:06)
- BofA (17:25)
- Bilt (20:03)
- Amex (21:34)
- [Expired] Mesa Credit Card: Earn Points On Mortgage Payments, Various Freebies + 50,000 Points Signup Bonus – Doctor Of Credit (23:32)
- Small fee waiver updates (26:05)
- Chase (27:28)
- Chase CSR Rumors (27:28)
- [Rumor] Chase To Announce New Chase Sapphire Reserve Details On June 17, Go Live June 20 – Doctor Of Credit (27:28)
- [Rumor] Chase To Remove 1.5¢ Per Point Benefit On Chase Sapphire Reserve (27:50)
- Reddit (28:20)
- [Update][Rumor] Chase Sapphire Reserve To Increase Annual Fee To $795, New Benefits – Doctor Of Credit
- New CSR BTS footage (28:30)
- Chase Ink Rewards Structure Changes (29:30)
- Extra Chase freedom category (29:30)
- You can now earn 5% cash back from 4/1/25 to 6/30/25 on up to $1,500 in combined purchases in this quarter’s categories, plus our June birthday surprise category Internet, Cable, & Phone Services from 6/1/25 – 6/30/25. (29:30)
- Chase Marriott Bonvoy Boundless FIVE Free Night Certificates Bonus (Up To 50,000 Points Each) – Doctor Of Credit (30:05)
- Chase “Move credit line” option now available online : r/CreditCards (30:50)
- DoC (30:50)
- Chase To Launch Business Version Of Sapphire Reserve Card – Doctor Of Credit (31:10)
- [Targeted] Chase Sapphire Cards: Redeem Points On Premium Travel For 2.25 Cents Per Point – Doctor Of Credit (31:17)
- Chase CSR Rumors (27:28)
- PayPal Credit Automatically Upgrading to a Physical Card? : r/CreditCards (31:35)
- HT Keed (31:59)
- Paypal introducing new credit card : r/CreditCards (31:50)
- CareCredit updated points earning 8/1/25 : r/CreditCards (32:04)
- Discover 5% Categories For Q3 2025: Gas & EV, Public Transit, Utilities – Doctor Of Credit (33:33)
- My tracker (source doc Patreon exclusive) (33:38)
- My Apps (34:15)
- Applied for Citi Shop Your Way (34:22)
- 9/24 (34:34)
- Went pending, had EQ unfroze, pulled EX (34:42)
- Approved @ $4k limit (34:56)
- $1.5k in 90 for $225 (35:00)
- Applied on 6/2/2025 and still waiting for the card (10d) (35:16)
- Got 250k + $500 Amex Biz Plat to show, PUJ (35:26)
- Applied and approved for Synchrony JCrew card (35:58)
- 10/24 (36:23)
- Pulled TU (36:24)
- Fathers day present 🤫 (37:37)
- Applied for Citi Shop Your Way (34:22)
- Credit Card Recommendation Flowchart: June 2025 : r/churning (37:54)
- Capital One (38:00)
- New Savor $95 AF Metal Design : r/CreditCards (38:07)
- Capital One Venture X Holders Are Losing Beloved Lounge Access Perks – NerdWallet (38:42)
- Capital One Announces Negative Changes To Lounge Access For Venture X Cardholders – Doctor Of Credit (38:55)
- Additional cardholder access changes (39:01)
- Beginning February 1, 2026, additional cardholders on Venture X accounts will not automatically have airport lounge access. (39:02)
- Primary cardholders can pay an annual lounge access fee of $125 per additional cardholder to maintain their lounge access. This will grant additional cardholders access to Capital One Lounges, Capital One Landings and Priority Pass lounges. (39:15)
- You can still keep or add additional cardholders without lounge access for no fee. (39:36)
- If you wish to add lounge access for your additional cardholders you’ll have the option to do so beginning February 1, 2026.¹ (39:41)
- Guest access changes (39:49)
- Priority Pass Lounges: (39:51)
- Beginning February 1, 2026, guests of Venture X cardholders will no longer receive complimentary access to Priority Pass lounges. At that time, Venture X primary cardholders and eligible additional cardholders can bring guests to Priority Pass lounges at a rate of $35 each per visit.² (39:52)
- Capital One Lounges and Landings: (40:17)
- Beginning February 1, 2026, guests of Venture X cardholders will no longer automatically receive complimentary access to Capital One Lounges and Landings. (40:20)
- Primary cardholders and eligible additional cardholders that spend at least $75,000 across their Venture X account per calendar year can bring up to two complimentary guests to Capital One Lounges and one complimentary guest to Capital One Landings per visit. (40:28)
- Cardholder spend towards the $75,000 threshold begins in the 2025 calendar year. Complimentary guest access is valid for the calendar year in which the $75,000 spend occurs and the following calendar year. (40:40)
- Venture X primary cardholders and eligible additional cardholders will continue to receive discounted pricing of $45 per guest per visit, and will now receive a discounted rate of $25 per visit per guest 17 and under. (40:57)
- Children under two remain free. (41:10)
- Priority Pass Lounges: (39:51)
- Summary on /r/churning (41:40)
- /r/churning discussion (41:41)
- Cards left with free additional PP (41:44)
- (Update) FutureCard Climate-Friendly Visa Debit Card Offers 5% Back On Select Public Transport, EV Charging & More – Doctor Of Credit (42:50)
- https://www.future.green/hertz (42:55)
- My referral (43:15)
- Tried to use for a rental car in Oregon, no EV option available (43:23)
- Walmart going back to Synchrony for CC (43:35)
- Cardless Coinbase card (44:00)
(44:40)
Bank Accounts (45:30)
- New Wealthfront referrals (45:34)
- .5% APY boost and .5% deposit match (45:38)
- What is the maximum amount I can receive as an investing deposit match? (45:43)
- The maximum amount you can receive is $500. The 0.50% deposit match will be made on net deposits of up to $100000, during the 3-month window, across all of your taxable, individual investment accounts. Net deposits are counted as total deposits minus total withdrawals into the qualifying accounts. (45:45)
- How is the investing deposit match applied if have multiple individual investing accounts? (45:58)
- The deposit match payout will be made to the taxable, individual investing account that had the highest net deposit balance during the 3-month deposit window. (46:04)
- How is the investing deposit match paid out? (46:13)
- The payout will be made in 4 equal quarterly installments, starting on the first business day after the 3-month window has closed, to the taxable, individual investing account that had the highest net deposit balance during the 3-month deposit window. (46:15)
- What is the maximum amount I can receive as an investing deposit match? (45:43)
- My referral (46:24)
- .5% APY boost and .5% deposit match (45:38)
- [Expired] [Targeted] Capital One $600 Business Checking Bonus – Doctor Of Credit (46:38)
- Wells Fargo $400 Checking Bonus – Available Online – Doctor Of Credit (47:28)
- Discover Savings Account Bonus 2020: Get $150 Or $200 (48:08)
Brokerages (48:40)
- WeBull Brokerage Bonus: Up To $30,000 Bonus + 8.1% APY + WSJ Sub. (New/Exist. Customers) – Doctor Of Credit (48:42)
- Robinhood SDs ❌ (49:33)
Deals/Other (50:28)
- Clear (50:32)
- Raisin/Savebetter + Topcashback: Up To $650 Savings Bonus With Up To $50,000 Deposit – Doctor Of Credit (50:59)
- Groupon: Costco Membership $50 Shop Card Deal & More – Doctor Of Credit (51:35)
- [Lightning Deal/Expired] [Expired] Topcashback: Earn $5 On UberEats Order (Limit 1, 5/27/25 Only) – Doctor Of Credit (52:34)
- Simon Malls Will Stop Selling Gift Cards – Doctor Of Credit (54:18)
- Fortra File Transfer Software Breach Website (54:48)
- Disney+ Perks: Get 6 Months Free DashPass & More – Doctor Of Credit (55:35)
- Duolingo cancel will keep subscription, DoorDash won’t (55:46)
- The reason why /r/creditcards is better than /r/churning (56:17)
- This is the environment I am trying to cultivate in the discord (56:25)
- PPBP Dead (57:10)
- DoC (57:10)
- Target: $10 Bonus Target Giftcard When You Buy Select $100 One4All Giftcards – Doctor Of Credit (57:34)
- [YMMV] Verizon: $20 Discount On Every Active Line For 12 Months – Doctor Of Credit (58:15)
- Worked for me (58:15)
- United, Alaska, Delta Shopping Portal Bonuses – Doctor Of Credit (59:02)
- WisdomTree $100 Bonus Posted (57:50)
- First Tech Federal Credit Union $300 Checking Bonus + $300 Savings + $200 Debit – Doctor Of Credit (59:18)
- Debit loads? (59:20)
- [Lightning Deal] Amazon: $100 Lyft eGiftcard For $85 (Stack With ShopWithPoints) – Doctor Of Credit (1:00:15)
- Minimum points redemption for most of these are just one point. I was able to redeem 1MR and get $30 off my order so I got a $100 Lyft GC for $55. There are some for Discover and others too if you don’t have an Amex card
(1:00:30)
- New Costco Executive benefits
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