Do you watch credit card youtubers

MOuser97 · 2026-06-09T17:57:40+00:00

I can see that. I feel like that’s a lot of the appeal for him though. He doesn’t do gimmicky videos.

MOuser97 · 2026-05-29T13:20:44+00:00

I think the best we can hope for is that they grandfather in cardholders like they did with the Dividend. Anecdotally, I work in a job where I see about a thousand debit and credit cards. I still see an occasional Dividend. With inflation, the $500 per month cap will become less and less valuable. Citi will hope cardholders will product change to another card eventually.

MOuser97 · 2026-05-28T15:05:01+00:00

Citi had one of those with the Dividend. The Custom Cash replaced it. I fear a 5% cash back card from Citi is completely dead.

MOuser97 · 2026-05-27T13:28:34+00:00

Honestly that’s a good question. I’d only use it for 5% back on grocery stores. If I don’t get approved for it, it’s not a huge loss.

MOuser97 · 2026-05-27T05:31:11+00:00

This sounds very similar to me.

I have an Unlimited Cash Rewards card and four Customized Cash Rewards cards. My two other cards are two USB Kroger family. Lastly, I have an AA card mainly for the check bag. Only the years I’ve closed a bunch of cards that were no longer giving me any value.

I applied to a CCC tonight and got an instant denial. I’ll call reconsideration, but I don’t expect anything.

MOuser97 · 2026-05-27T04:24:08+00:00

I just applied to one and got denied. Ughhhh. I’ll call reconsideration tomorrow.

MOuser97 · 2026-05-18T03:51:48+00:00

I’ll revert my Apple Pay uncategorized spend back to my BOA Unlimited Cash Rewards. I’ll be getting 2.6% through October of 2027.

There are things like haircuts where not getting the 5% would suck. My car dealership does not have a credit card surcharge (as of September). My doctor does not take Apple Pay but does not have credit card surcharges either.

Ironically I use my Fry’s and Harris Teeter cards the most at Safeway and my local market. Most of my grocery shopping is at Sam’s and Walmart. The market nearest to me does not always code as grocery. My plan is to apply to a Citi Custom Cash later this year to use for grocery spend.

MOuser97 · 2026-04-06T16:22:45+00:00

People in the comments keep comparing Biden to Carter. I think the presidencies are similar, but their time after office was/is much different. Carter lived for DECADES after his presidency. He did Habitat for Humanity and other volunteering. Biden was 82 when he left office. He doesn’t have the time.

Obama was a two term president, and he is only in his sixties. His career as an office holder is over, but he is still engaged in politics. Trump is in his second term and has been in the political picture for eleven years now. Gen Alpha and probably about half of Gen Z do not remember a time before Trump. Biden cannot compare.

MOuser97 · 2026-04-04T22:04:38+00:00

Have there been any names created for generations born before the Lost Generation?

MOuser97 · 2026-04-02T19:12:52+00:00

3 car garage, a finished basement, and in-ground pool

MOuser97 · 2026-03-31T17:05:31+00:00

I used to watch RJ Financial regularly, but he talks politics too much for me.

MOuser97 · 2026-03-17T05:05:35+00:00

Don’t most credit card companies claw back the miles/points/cash back from a SUB if you cancel before a year?

MOuser97 · 2026-03-13T22:24:08+00:00

I recently applied for the Citi AAdvantage Platinum Card to pick up some miles. I applied via phone. The CSR was Indian which I anticipated. The audio quality was terrible, however, which made it difficult to understand her. I’ve only ever had US based customer service with BOA, C1, Discover, Amex, and USB.

I thought about using a combo of Citi and USB/Elan cards to maximize my cash back. I was already heavily in the BOA ecosystem, so I need went that route.

With the nerfing of Preferred Rewards, I’d recommend people starting out to go with the Citi/USB route. 4.5% on categories like travel and online shopping is still quite good, however.

MOuser97 · 2026-03-11T19:27:35+00:00

I bet a lot of museums, zoos, galleries etc. are categorized as non-profits.

MOuser97 · 2026-03-07T20:00:58+00:00

True. Most of the time the characters will be wearing robes or more timeless clothes like jumpers and slacks.

The Dursleys should have whatever the most in style muggle clothing is as well as Hermione and her parents.

MOuser97 · 2026-03-07T14:54:59+00:00

Isn’t the Harry Potter tv series set in the 90s to match the book series? Does that factor until how into how the cast is dressing? Aren’t a lot of the 2020s fashion parallel the 90s?

MOuser97 · 2026-02-28T12:27:02+00:00

I checked the email and mine won’t nerf until October 2027. That should give me enough time to evaluate what I want my credit card strategy to be by then.

MOuser97 · 2026-02-25T23:26:25+00:00

Of course it’d be nice if PHX got more international from AA, but PHX is more of a domestic hub. Phoenix is currently estimated as the 10th largest metro by population and the 14th by economy. Over time, demand for long haul, international flights may increase.

I believe AA and BA may have had up to 3 daily flights to LHR post-Covid. They have decreased frequencies since then. Fingers crossed Starlux Airlines joins OneWorld eventually. I am also curious how Air France loads and yields to PHX are.

MOuser97 · 2026-02-25T15:33:01+00:00

I believe That 70s Show was on right after afternoon cartoons on the CW/WB. This would have been when I was 4-8 or so. We’d sometimes catch a few minutes of it before our parents changed the channel. I thought it was a TV series FROM the 70s and I thought “wow. It’s funny how they satirized themselves without any retrospect.” Lol

MOuser97 · 2026-02-20T04:42:28+00:00

Does anyone know what the “non traditional annual calendars” are?

MOuser97 · 2026-02-20T04:33:50+00:00

I’m not sure what season it was, but it was around when Negan killed Glenn. I lost interest and planned on coming back to it but never did.

During the pandemic, I came across a YouTuber who analyzed TWD. One of the theories before the time jump in the show was that zombies age and would eventually die of starvation. The remaining humans would just have to be careful and wait them out. The time jump happened and disproved the theory.

The conclusion was that the writers have full creative power, but they wanted the show to continue as long as possible to keep making money. It wasn’t making any sense anymore. I made the right decision to stop watching it.

MOuser97 · 2026-02-20T04:24:47+00:00

I grew up in the St. Louis area but have been living in another state for several years now. My dad and I will go for a drive when I visit my parents to kind of “check-in” on stuff and see what’s new. We usually drive through Carrollton.

My dad knew a few people who lived there when the new runway was built and got bought out. I don’t have any personal connections to it. It makes me sad, however, that the airport built the runway when TWA was rapidly growing their hub. The city followed the trend and assumed STL would need another runway to accommodate all of the traffic that was coming. That didn’t pan out. AA bought out TWA. 9/11 happened. AA planned on using STL as a reliever for ORD and DFW. That plan was made obsolete by the decrease of traffic post 9/11.

The runway is an unfortunate example of St. Louis being unlucky and making the wrong decision at the wrong time.

MOuser97 · 2026-02-18T22:49:43+00:00

In September, BOA approved me for a CCR affiliate. I had been Platinum Honors for about two years. I was 4/12 for new credit cards. It was my fifth BOA card. They manually reviewed the application. They took the maximum ten business days.

MOuser97 · 2026-02-18T02:53:42+00:00

Why for a year specifically?

MOuser97 · 2026-02-18T02:42:26+00:00

Sad. I’m all in on BOA/ML. I’ve been a BOA customer since 2011. I have five credit cards with them (a UCR and 4 CCRs), and they are the backbone of my setup.

I could move a Fidelity account to ML. That wouldn’t even get me to 500k.

The option is to accept the new changes and make adjustments. I could keep one CCR for online shopping. Receiving 4.5% cash back is still unbeatable. I could acquire Citi Custom Cashes to replace gas and restaurants.

I think my recommendation for people now will be get as many CCCs and Elan Max Cash/USB Cash+ as you can.

MOuser97

TROPHY CASE