Solid Gold Turd

Viewer Questions

• With the new membership structure being teased, does this mean that SYP will be introducing transfer partners? - RP2048
• If you had $100K extra to spend in a 12 month period starting today that you would get immediately reimbursed for that you had to spend through credit cards, how would you spend it and what would you use the earned points for? - DDAF
• You can spend at any amount and frequency you like as long as it's all spent within 12 months. All purchases must be spent through credit cards and they are all domestic purchases so no FTF to worry about. Any credit cards that you can reasonably get (you can decide what is "reasonable") or already hold are free game - no zombie cards unless you hold them already. (inspired by a recent FM episode) Don't forget to roughly calc how many points you'd earn and what you'd use them for.
• What is your favorite livery? The ANA Honu? EVA Hello Kitty? JB? - AP
• With the Capital One merger/acquisition of Discover, one minor gripe I have is that Discover cards are not accepted on the Rewards Network. For those that use a Savor 3x (or grandfathered 4x) on dining, and like the extra points or cash back, it would be be out when it switches from MC to Discover. / Would Capital One be now big enough to be included on the Rewards network at some point? / Your thoughts on if this is a nothing burger or could be something in the future. Are there any other programs or limitations that we should be aware of for Discover or AMEX, etc.? - Boss Mike Money
• Do you ever request for a CL decrease? I can see a case for cards with quarterly spending caps, like the CFF, Citi Custom Cash, and BoA CCR, where excess limit above the cap just sits there. But outside of that, does it make sense for other cards too? For example, to improve your income to total CL ratio ahead of future applications?​​​​​​​​​​​​​​​​ - JChainz

Topics 

• Matt
  • ​​I know the general convention is to use your new card you are working a Welcome Offer for everything ... but I can’t always abide…and that’s okay.
• Lani  
  • Is there a Booking Panic happening right now? Across interwebs (YT/Reddit/etc) it seems like there is a mad dash happening as travels try to lock in stays and flights before pricing updates and/or Hyatt does anything else. Do you believe there is a booking panic and do you have a “book it asap” list?
• RJ
  • If banks want people to use their travel portals, should credit cards offer portal-based status tiers instead of giving every premium cardholder the same perks?

00:00 Welcome and Introductions 05:42 Membership Tiers Update 08:35 100K Spend Strategy 18:44 Favorite Airline Liveries 21:55 Capital One Discover Merger 29:40 Credit Line Decrease Debate 31:59 Shifting Chase Credit Limits 33:16 Chase Portal Price Match 35:29 Hilton Experiences Drop 38:46 Is Booking Panic Real 45:23 Portal Status Tiers 57:47 Welcome Offer Exceptions 01:07:06 Member Shoutouts Wrap