Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!
Housekeeping (00:00)
- If you want, support me on patreon! (00 :41)
SweatyHeavy Lemon (00:42)- Heavy Lemon concert
- Intro music can be found here! (00:44)
- New song 6:05 slaps
- SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Daniel, ricky, Rob & new member John to the kleed tier! Welcome Rick & Dean! (00:51)
- Thanks Clint for using my inkind referral! (01:41)
Cards (01:51)
- Event ticket protection CC benefit (01:56)
- Mastercard Credit/Debit Cardholders Now Eligible For 3 Months Instacart+ Membership & $10 Monthly Credit – Doctor Of Credit (03:03)
- Amex (03:49)
- Increased American Express Delta Offers (Up To 125,000 Miles) – Doctor Of Credit (03:54)
- Downgraded BCP -> BCE (04:18)
- Refunded all but 69¢ for AF nice (04:59)
- Plat refresh(05:15)
- [Leaked] American Express Business Platinum Refresh Details – $895 Annual Fee, New Credits & More(05:15)
- Amex Resy Tool(09:27)
- GC purchase triggers (10:14)
- $100 GC at Toast worked for me (10:14)
- How to use Resy (10:18)
- Amex Resy Tool(09:27)
- American Express Platinum Entertainment Increased To $25 & Includes YouTube Premium (06:22)
- American Express Personal Platinum Adds $200 Oura Ring Credit (06:38)
- American Express Platinum Annual Fee Renewals Increase in December 2025 (07:14)
- AmEx Platinum Cardholders: Use $75 Lululemon and $100 Resy Credit Before September 30th(09:25)
- Comment on Lulu credit (11:24)
- Maximizing The Lululemon $300 Credit On American Express Platinum Card (06:17)
- I used it on a pair of shorts and a hat from their We Made Too Much section (15% new email sign up does not work) (11:36)
- Business
- Updated Plat tracker (Patreon exclusive) (12:50)
- [Leaked] American Express Business Platinum Refresh Details – $895 Annual Fee, New Credits & More(05:15)
- American Express Business Platinum $50 Hilton Credit No Longer Works on Gift Cards
- Amex Hilton business paid out 150k points
- Refunds do not retract from spend (Google trade in refund)
- American Express Green Card 60,000 Points Signup Bonus – Doctor Of Credit (13:49)
- American Express Blue Sky Cards To Be Converted To Cash Magnet – Doctor Of Credit (14:40)
- AAA can redeem for direct deposit in app now instead of having to call (15:00)
- IHG (15:20)
- Upgrade CC discussion(16:25)
- Discussed in ep 48
- CFPB discussed in ep 52 (16:28)
- BofA (17:11)
- WSFS funding $6k 3m CD via PP (Amex disabled) for Atmos SUB (discussed in ep 60) (17:14)
- Bank of America Unlimited Cash Rewards Card: $200 Signup Bonus + 2%/3.12% Cashback During First Year – Doctor Of Credit (18:51)
- Spirit Adds Two Free Checked Bags As Credit Card Benefit (20:47)
- Bank of America: More Rewards Day – Extra 2%/2x On November 6, 2025 – Doctor Of Credit (21:03)
- Synchrony (21:44)
- Chase (22:40)
- Issues With Chase Sapphire Reserve $150/$300 Sapphire Reserve Exclusive Tables Credit – Doctor Of Credit (22:41)
- Chase INK Cash & INK Unlimited: $900/90,000 Points Signup Bonus – Doctor Of Credit (23:22)
- Chase Freedom Flex Q4 Categories : r/CreditCards(24:03)
- Chase Sapphire Reserve Enhances $500 ‘The Edit’ Credit + Adds One-Time $250 Hotel Credit – Doctor Of Credit (25:28)
- Alliant 2.5% Card Will Become 1.5% On All Purchases (Effective 11/1/25) – Doctor Of Credit (26:39)
- Cardless Coinbase card (27:10)
- Coinbase asset requirements (27:20)
- Comment
- Applied, went pending. Unfrozen EX since Cardless pulled them in the past (27:55)
- My DP
- Applied with EX thawed (Cardless pulled them for me in the past). App went pending then approved the next day with $25k limit. This makes me 10/24, I think Cardless will approve anyone. Instant card number is available so you can use AP/GP. There is a $5/m or $50/y minimum subscription required. You can pay the substitution with the card (it defaults to this) but unsure if it earned rewards on the transaction (27:55)
- Per their terms here “Coinbase One membership subscription fee;” does not earn rewards (29:08)
- https://www.coinbase.com/legal/creditcard/rewards
- No desktop web interface for Coinbase but you can log in to Cardless and use their app! (29:26)
- New funding (28:33)
- Citi (31:06)
- US Bank (34:12)
- Capital One (34:55)
- Robinhood card insight(36:20)
- Also, can apply and get approved in Credit Karma (HT Kleed) (36:42)
- Discussion on Reddit (36:53)
- Truist ending Delta SkyMiles debit program (36:57)
- KT Kleed (36:57)
Deals (37:08)
- Perplexity AI: 12 Months Of Pro For Free When You Connect To PayPal – Doctor Of Credit(37:10)
- Also seen offer in Venmo and Discord (37:20)
- Rakutan referral at $50(38:03)
- Kraken (38:16)
- [Targeted] Kraken $20 when you buy $50 (38:20)
- SUB for Kraken w/ referral bonus(38:38)
- My referral. Shared in DoC, received 4 (38:42)
- Kraken Securities Stock/EFT 2% Transfer Bonus (1 Year Hold) – Doctor Of Credit(39:09)
- HT yaaarp (39:09)
- [Targeted] Kraken $20 when you buy $50 (38:20)
- Costco $100 when spending $200 w/ new Executive membership at Groupon(40:08)
- HT ME&B (40:16)
- $100 Uber GC for $85 @ BestBuy (40:19)
- [Lightning Deal/Expired] TCB spend $15 get $2.50(40:30)
- inKind (41:09)
Class Actions (42:15)
- Facebook payout(42:18)
- $35.10 to my PayPal (42:23)
- Park Mobile settlement payout(42:27)
- $4.84 (42:33)
- Financial Aid Antitrust Settlement (42:35)
- Amazon Prime $2.5 Billion Settlement ($1.5 Billion For Consumers) – How To Claim – Doctor Of Credit (43:23)
- [Payout: $25.97] Walmart Weighted Groceries Class Action: Get Up To $500 – Doctor Of Credit(44:24)
- I received $10.39 (44:35)
Debit Cards (44:46)
Brokerage/Crypto (45:10)
SUBs (46:53)
- WF $400/$825 Business SUB(46:56)
- Currently going for $825 (47:03)
- Chase $900 (discussed in ep 47) (48:11)
- [Expired] Connexus Credit Union $300 Checking Bonus, Direct Deposit Not Required (49:38)
- [Expired] Magnifi Financial $500 Checking Bonus – Doctor Of Credit(50:05)
- Applied, went pending, $500 CC funding, $10 donation to join, frozen credit but open and LOL/24 Chex. Received docusign & account opened
- Magnifi partial payout $200 for opening account
- Skyla paid out $100 for opening account (50:36)
- [YMMV, MA, NH or RI] Salem Five $500 Checking Bonus – Doctor Of Credit(50:52)
- HT Peek (50:58)
- [NY, PA, NJ] Visions Federal Credit Union $300 Checking Bonus(51:43)
- Wells Fargo $425 Checking Bonus – Available Online(52:46)
- [NY, CT, VT, RI, MA, ME, NH] Ascend Bank $400 Checking Bonus – Doctor Of Credit
- Harbor One denied due to Chex (53:56)
Other (54:28)
- [Live] Walmart+ Membership Now Gives Choice of Peacock Or Paramount+ – Doctor Of Credit (54:36)
- PNC To Acquire FirstBank (Complete FirstBank Bonus Now, AZ & CO) – Doctor Of Credit (54:45)
- Hilton Devaluation: Highest Room Now Costs 250k Per Night (Up From 200k) – Doctor Of Credit(55:13)
- Second this year (55:38)
- Reddit discussion
- Sequence (55:54)
- Kleed write up on the discord (55:59)
- Great write up! This seems super similar to what Astra used to provide. I have an old blog post about it. It’s been since sunset and Astra is B2B now but Sequence seems like a better replacement! https://fearthez.com/2022/04/18/astra-automating-your-bank-balances/ (55:59)
- Wallet discussion on Discord (57:30)
- I’ve got an old out of date blog post talking about this (57:34)
- I currently have the Premium Note Sleeve by Bellroy but if I could change it I might get the slim sleeve instead (58:00)
- Ask for forgiveness on parking tickets (58:30)
- Venmo and PayPal parity (59:34)
- Blackhawk Network suing Pepper Rewards App parent company for $65 million+(1:00:15)
- RFCU Inactivity Fee (1:00:48)
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