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 (01:02)

• If you want, support me on patreon! (01:02)
• Sweaty Heavy Lemon (01:08)
  • 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, Desi & Stan in the kleed tier! (04:55)
• Explain Google doc shownotes (01:30)

Cards (02:57)

• BofA (02:57)
  • Bank of America Sonesta Card To Be Discontinued (02:57)
  • BofA Pre-Approveal Tool Jumpscare(04:32)
    • Reported first by Kleed (04:52)
  • Like Fidelity you can redeem your cash back to your Merrill brokerage (05:33)
• Cardless Qatar Cards: Up To 100,000 Miles Bonus – Doctor Of Credit (06:07)
• Robinhood (06:55)
  • Changes to the Robinhood Gold Card Rewards Program: US Mint coins / currency-like collectibles now excluded : r/CreditCards (06:55)
  • [Lightning Deal/Expired] Robinhood HOOD Holidays: Giveaway & Freebies Each Day 12/26 – 12/31 (07:23)
• Q1 Categories for Quarterly Cards(10:13)
  • Chase Freedom Flex is 7%: 1% base + 2% restaurants + 4% quarterly (10:28)
• SoFi (12:22)
  • SoFi Smart Card Unlimited 5% Grocery Stores – Doctor Of Credit (12:22)
  • Closed my Sofi card (14:09)
    • Emailed me to tell me to use it in 30d but never bothered (14:09)
  • SoFi Plus Now Costs $10/month (Removes Free Option) – Doctor Of Credit (12:37)
• Amex (14:54)
  • 100 Delta Miles for Backpack for Delta Amex cardholders (14:54)
  • Amex BCE upgrade offer in app to BCP (15:18)
    • No AF first year, $150 statement credits for $1k spend (15:35)
  • Saks going bankrupt (15:48)
• Chase (16:18)
  • [Now Available Via Referral] Chase Freedom Unlimited $300 Bonus – Doctor Of Credit (16:18)
  • Ritz Carlton Lounge Access Guest Changes : r/CreditCards(17:02)
    • DoC
  • Five Chase Travel Benefits On Hotel Booking With Chase Sapphire Reserve ($250+$250+$300+$100+Boost) – Doctor Of Credit 
  • Sapphire Reserve (18:56)
    • Chase Sapphire Reserve PYB Q1 2026: Gas – Doctor Of Credit (18:56)
    • [Expired] (Update) Chase Sapphire Reserve: 100% Cashback On Calm Subscription (Sleep & Meditation App) – Doctor Of Credit (19:36)
    • Chase Sapphire Reserve Enhances $500 ‘The Edit’ Credit + Adds One-Time $250 Hotel Credit – Doctor Of Credit (20:16)
    • (Update) Chase Sapphire Reserve ‘Points Boost’: Removes 1.5% Travel Redemption, Adds Boost Feature For 2% On Select Travel – Doctor Of Credit(20:38)
      • Chase promised 2x points boost on all The Edit properties but reduced now (20:55)
    • Reports Of $400 Retention Offers On The Chase Sapphire Reserve – Doctor Of Credit (23:00)
• (Update: Points Redemption .6¢) Mesa Credit Cards To Be Closed Immediately(24:07)
  • Mayhem insured in DoC comments, statement credits are being honored unlike Ness (ep 34, ep 30, ep 31) (24:43)
• New way to get card images (ht Kleed) (29:03)
  • wallet.google.com, right click and save image (29:03)
• US Bank (30:26)
  • U.S. Bank To End Smartly Shopping Deals Program (30:26)
  • [Transfer Partners Delayed] U.S. Bank To Make Negative Changes To U.S. Bank Altitude Reserve (Travel Transfers, 1¢ Per Point Instead of 1.5¢ & More) (30:47)
• Rove Miles: Up To 5,000 Free Points For Mesa Cardholders (31:14)
• FNBO (31:47)
  • FNBO Adds 18 Month Rule – Doctor Of Credit (32:04)
  • FNBO Evergreen limit increase (32:40)
    • From 19k to 25.5k. Been cycling it for ~two months. Opened it 6/5/23 and basically didn’t use it after the SUB (32:51)
• Bilt (33:37)
  • Bilt Card 2.0 Will Include Earning Points On All Mortgage Payments (Card Transition Details, 5/24 & More) – Doctor Of Credit (33:37)
  • Rumored Details About Upcoming Bilt Card Lineup – Doctor Of Credit (34:01)
  • Bilt Adds Spirit Airlines As Transfer Partner – Doctor Of Credit (35:35)
  • Will Cardless actually be able to handle Bilt? (35:51)
• Citi
  • New SYW/TYP Offer
    • Made offer tracker, Patreon exclusive

Deals (37:50)

• [Expired] Groupon: Costco Membership $40/$60 Shop Card – Doctor Of Credit (37:50)
• Chase Offers: Paze Checkout, Spend $100 & Get $50 Back ($5 For Activating) (38:06)

Bonuses (38:57)

• MA/NH only Metro Credit Union(38:57)
  • Applied went pending, denied (39:07)
  • Old DP (39:12)
• OKX Cypto Account $400 Signup Bonus – Doctor Of Credit (39:42)
• Raisin/Savebetter + Topcashback: Up To $1,250 Savings Bonus With Up To $100,000 Deposit – Doctor Of Credit (40:43)
• Capital One (41:48)
  • Capital One $250 Checking Bonus, Direct Deposit Not Required (41:48)
  • Capital One $300 Checking Bonus – Doctor Of Credit (42:01)

Class Actions (42:58)

• Google Play Class Action Settlement (‘Parens Patriae’)($630 Million) (42:58)
• Oatly denied claim (43:11)
  • Submitted more proof via email 1 day before deadline and added revised spreadsheets (43:19)
• Fortra Data Breach Litigation Settlement payout of $20.04 (43:52)
  • Discussed in ep 61 (44:00)

Other (44:25)

• Klarna Launches Premium & Max Memberships – Doctor Of Credit (44:25)
• JP Morgan Reserve card designs over time (2019–2023) : r/CreditCards (45:53)
• Amex (46:40)
  • Hilton Aspire credit attempt (47:10)
  • Plat Resy Credit Use (46:40)
• American Airlines no longer lets basic economy flyers earn miles (48:31)
• SoFi Money: Matching All Round Ups (Up To $50 In Match) – Doctor Of Credit(48:43)
  • Debit spend retirement tool 
• CFPB Allocates $46 Million To Synapse/Evolve Victims In First-Ever Fintech Bailout (49:37)
• CVS Carepass package from 12/20/2022 (ht bleakchoochoo) (51:48)
  • $713.70 — Total ExtraCare savings this year (52:02)

• Buying a Condo? (50:59)
  • Talked to TequilaTsunami, accounts are muddy gotta clean up (50:59)

2025 Churning Review (52:48)

2025 Podcast Review (59:55)
Patreon stats (1:00:11)

• Total Earnings: $4,445.95 (1:00:20)
• Audience Tiers:
  • $1 Small Balance Waiver: 59 (1:01:27)
  • $1.99 Small Balance Waiver: 2 (1:01:31)
  • Discord Member: 54 (1:01:33)
  • Kleed Tier: 9 (1:01:50)
  • Total members: 161 (1:00:11)
  • Monthly Members: 153 (1:02:00)
  • Annual Members (10% discount): 8 (1:02:01)

Spotify Metrics (1:02:12)

• 6919 plays (1:02:15)
• 1919 consumption hours (1:02:19)
• +102 followers (1:02:24)

All Platforms (1:02:26)

• 49908 total streams/downloads (1:02:28)
• 886 average streams/downloads per episode (1:02:30)
• Top Episodes (1:02:34)
  • Episode 53: 1650
  • Episode 50: 1304
  • Episode 48: 1298
  • Episode 63: 1271
  • Episode 47: 1248

Website Stats (1:03:51)

• 5300 views (1:03:51)
• 2700 visitors (1:03:53)
• 2 likes (1:03:58)
• 2 comments (1:03:59)
• Most visited pages: (1:04:05)
  • Card Designs: 892 (1:04:07)
  • Churners Digest: 545 (1:04:09)
  • Homepage: 536 (1:04:13)
  • Episode 53: A Redaction: 246 (1:04:18)
  • Episode 64: New Cards, Lots of Bonuses & Shutdowns: 240 (1:04:21)
• 18100 words (1:04:24)
• Most Popular Visit Day: Friday (1:04:33)
• Best Hour: 10pm (1:04:36)
• Most Popular Day: March 17th (1:04:39)
  • Redaction post day (1:04:39)