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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Listennotes

Fountain

Housekeeping (00:00)

• If you want, support me on patreon! (00 :41)
• Sweaty Heavy 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)
    • 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)
  • 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)
  • Increased Signup Bonus On Chase IHG Premier & IHG Traveler Cards – Doctor Of Credit 
  • Chase IHG Premier Business Card – 200,000 Points Offer – Doctor Of Credit
• 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)
    • 08/29/2025 5k registration bonus points (17:50)
    • 09/11/2025 $6k funding to WSFS (17:57)
    • 09/27/2025 100k points (18:19)
  • 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)
  • JCrew offer (21:46)
  • Synchrony Financial To Take Over Lowe’s Portfolio From American Express – Doctor Of Credit (22:06)
  • Walmart card pays rewards at WM gas stations (22:28)
• 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)
    • No target for 5% off their gift card sale (24:24)
    • DoC
  • 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)
  • Citi Requesting 4506-C For Some Citi Strata Elite Cardholders – Doctor Of Credit(31:08)
    • Citi Giving Automatic Sign Up Bonus Extension For Strata Elite Holders Affected By 4506-C – Doctor Of Credit
  • Citi SYW rebrand?(32:28)
    • HT Kleed (32:31)
    • DoC
    • See TDC ep 74 for Gift of College (33:33)
• US Bank (34:12)
  • (Update) Major Changes To U.S. Bank Altitude Connect & Go Cards – Doctor Of Credit (34:13)
  • U.S. Bank Triple Cash Rewards Business Card $500 Signup Bonus (No Annual Fee) – Doctor Of Credit (34:37)
• Capital One (34:55)
  • Capital One Venture X Business Mastercard To Lose Non Lounge Access – Doctor Of Credit (34:56)
  • Capital One Adds Japan Airlines, Qatar & I Prefer Hotels As Transfer Partners – Doctor Of Credit (35:35)
  • Capital One Venture: 75,000 Points + $300 Travel Credit (35:56)
• 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)
  • My referral (38:08)
• 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)
• 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)
  • My referral (41:04)
• inKind (41:09)
  • inKind: $25 Off $50 (Works For New/Existing Users) – Doctor Of Credit (41:12)
  • Costco.com: $100 inKind Giftcard For $64.99 – Doctor Of Credit (41:17)

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)

• Primis Debit Card To Stop Earning $0.5 Per Purchase, Replaced With 1% Back (44:49)

Brokerage/Crypto (45:10)

• [Targeted?] WeBull 4% Brokerage Transfer Bonus (5 Year Hold) – Doctor Of Credit (45:17)

SUBs (46:53)

• WF $400/$825 Business SUB(46:56)
  • Currently going for $825 (47:03)
• Chase $900 (discussed in ep 47) (48:11)
  • Chase $500 Business banking paid out (48:36)
  • My DP
• [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)
  • My DP from ep38 (52:14)
• Wells Fargo $425 Checking Bonus – Available Online(52:46)
  • My DP [ep 42] (53:17)
• [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)
  • See TDC episode for inspiration 
• Venmo and PayPal parity (59:34)
  • You will be able to send between platforms (59:40)
  • Can also look people up in Venmo via number (crazy this was not a thing) (59:45)
• Blackhawk Network suing Pepper Rewards App parent company for $65 million+(1:00:15)
  • HT Ray (1:00:42)
  • DoC coverage (1:00:25)
• RFCU Inactivity Fee (1:00:48)