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

Spotify

Apple Podcasts

Overcast

Pocket Cast

Youtube Podcasts

Amazon Music

Listennotes

Fountain

Housekeeping (00:20)

• If you want, support me on patreon! (00:56)
• Sweaty Heavy Lemon (00:39)
  • Heavy Lemon concert
  • Intro music can be found here!
  • New song 6:05 slaps

• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Daniel, ricky, Rob, John and new members Desi & Stan to the kleed tier! Welcome Garrett! (01:22)
• Thanks for using my Helium referral! (01:42)
  • Got $10 in Dunkin GCs

Cards (03:31)

• X1 card changes starting Nov 21 2025 – lower rewards, no boosts (03:31)
• [Expired] Robinhood Gold Card Hack(06:54)
  • Brother approved (08:18)
  • I got denied (08:23)
    • Number of recently opened credit bureau tradelines is too high (08:26)
  • Loophole reportedly closed (08:32)
• Atmos 105k offer extended (09:47)
• Capital One (10:26)
  • DP: Capital One loyalty offer for Venture X : r/CreditCards(10:28)
    • DoC
  • Capital One VentureOne $100 + 40,000 Points – Doctor Of Credit (12:08)
  • [Expired] Capital One Venture Family Rule (48 Months) – Doctor Of Credit (12:44)
  • Positive changes to auto pay (14:45)
• [Targeted] Signup for Venmo Credit Card & Get Double Rewards (6% Back On Top Category) (18:51)
• Free year of Instacart+ via Mesa (19:25)
• Chase (19:53)
  • CSR Recs (19:53)
  • Southwest (20:22)
    • Chase Sends Out Survey Regarding Southwest Premium Card (Southwest Lounges) (20:22)
    • Southwest lounges are coming. First one: Honolulu. (20:36)
  • OG Freedom PCing to FU…again? (21:37)
  • Maximizing The $300 Dining Credit With Chase Sapphire Reserve Exclusive Tables (22:41)
• Amex (23:19)
  • [Targeted] AmEx Offers: Get $70 With Any VRBO Booking – Doctor Of Credit (23:33)
  • American Express Business Gold Card Adds New $150 Squarespace Credit (24:36)
  • Amex has likely lowered the maximum number of charge cards from 10 to 5 (25:10)
  • (Update: $100 Bonus) New Card Review: Rakuten American Express Card With Extra Earnings On Rakuten Shopping & Dining – Doctor Of Credit (25:53) 
  • [Public Link, YMMV] American Express Business Gold 200,000 Points Signup Offer, No Lifetime Language – Doctor Of Credit (26:54)
• Citi (27:14)
  • Citi To Introduce Mid Tier American Airlines Card(27:14)
    • Citi AAdvantage Globe Card Launch, 90,000 – Doctor Of Credit (27:27)
  • Strata (29:42)
    • Citi Unexpectedly Shuts Down Some Strata Elite Cards – Doctor Of Credit (29:42)
    • Citi Refunding $595 Annual Fee & Waiving MSR On Citi Strata Elite For 4506-C Affected Cardholders (30:29)
  • SYW going to Thank you card (32:04)
    • Discord discussion (patreon exclusive) (32:09)
    • DoC (32:19)
  • Citi Adds $180 In Turo Credits To AAdvantage Platinum Select World Elite Mastercard (34:14)
• FuturePass(34:34)
  • Paywalled the useful boosts (34:54)
  • Reminiscent of Albert (ep 19) (35:30)
• Bilt (36:38)
  • New multiplier and partners
  • Bilt Cash Launching In January 2026, Replacing Milestone Rewards (36:38)
  • Bilt Adds Venmo Payment Option (Rent, Select Mortgages, and more) – Doctor Of Credit (37:23)
  • Rakutan can now pay out via Bilt points 
  • Bilt Partners With GoPuff For Home Delivery ‘Bilt Home Delivery’ (38:23)
• Wells Fargo (38:46)
  • Wells Fargo Adds JetBlue As 1:1 Transfer Partner (38:46)
• Southwest Debit Card Launches (7,500 Points) – Doctor Of Credit(39:17)
  • Reddit write up
• Banana Republic card revamp (40:52)
• U.S. Bank Launches Split Credit Card (Buy Now, Pay Later) (41:37)
• Verizon Visa targeted 5% back until EOY up to $2k (HT Kleed) (42:08)

Deals (42:34)

• [Lightning Deal/Expired] 100% back in points on Luggage at Staples (42:34)
• InKind (44:22)
  • inKind: $15 Off $15 (Works For New/Existing Users) – Doctor Of Credit (44:22)
  • [Expired] inKind: $25 Off $50 (Works For New/Existing Users) – Doctor Of Credit (44:30)
  • 40% off GCs in app (highest seems to have been 45% but required high purchase HT yaaarp) (44:54)
• Tradier: 2% Match (Brokerage Bonus) (45:28)
• CVS: Get $20 ExtraBucks When You Spend $100 On Select Gift Cards (Zillions, Chipotle, DoorDash & More) (48:36)
• [Expired] DoorDash DashPass Members: Save 15% Off Many Giftcard Brands – Doctor Of Credit (49:50)

SUBs (50:28)

• Ally Bank $300 Checking Bonus (GET300)(50:28)
  • Cannot have had a checking account before
• Truist $400 Checking Bonus [AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC] – Doctor Of Credit(51:09)
  • My DP (52:35)
  • Track Bonus (53:06)

Class Actions (55:00)

• Received mailer for Shields Class Action (estimated $50) (55:00)
• Nest Thermostat Support, Service Discontinued? Explore Legal Options (55:12)

Other (56:30)

• Fifth Third To Buy Comerica Bank For $10.9 Billion (56:30)
• NYT Churning article (56:56)
  • /r/creditcards
  • /r/churning
• Kraken 2% transfer bonus terms change(57:24)
  • Update 10/1/25: Extended through 11/30/25 as shown at this link. New hold period is for 1 year from 12/1/25. Important: readers noticed that they now require participation in the Fully Paid Stock Lending program, and so it’s not as secure as before since it might not be covered by SIPC (?). I also see an exclusion that you can’t do any ACATS-out transfer during the promotional period. Personally I’d probably give this deal a miss due to the added terms
• Hilton rolling back some of its recent devaluations(58:15)
  • DoC
• Wyndham & Vacasa To End Partnership(58:41)
  • Reddit discussion
• Capital One Landing/Chase Sapphire Lounge Visits (59:29)
  • Patreon only lounge tracker updated