The New York Times says people like us open lots of credit cards, pocket big bonuses, and somehow still have high credit scores. They call it ‘taking advantage of loopholes’ and ‘exploiting,’ but I call it using credit intelligently and responsibly within the system the banks established. Play your cards right, and you win the miles and points game. My co-host Darren and I respond to the article and the comments.
Timestamps
00:00 Intro and goals for the episode
00:32 Meet the hosts and overview
01:05 Responding to the New York Times article
03:04 What churning is and isn’t
06:20 Stacking rewards and benefits the right way
15:01 Responsible use and risk management
23:23 Announcements and upcoming events
27:04 Listener feedback highlights
27:24 Unilateral contracts explained simply
27:57 Credit score myths debunked
29:13 Maximizing rewards without lifestyle creep
33:10 Common critiques and misconceptions
35:35 Why the hobby still delivers value
45:07 Final thoughts and next steps
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