Churners Digest

Show notes and timestamps can be found on the companion site!https://fearthez.com/2025/06/30/episode-62-lost-cards-deals-seals-and-lots-of-chase/

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!Shownotes can be found on the companion site!https://fearthez.com/2025/06/12/episode-61-credit-card-nerfs-updates-huge-gc-savings/

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!Show notes can be found on the companion site!https://fearthez.com/2025/05/18/episode-60-cvs-extracare-value-amex-retention-more/

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!Show notes can be found on companion site!

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!Show notes can be found on the companion site!https://fearthez.com/2025/03/17/episode-58-big-banks-brokerages-rumors-750-bonus/

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!Link to show notes on companion site!https://fearthez.com/2025/02/24/episode-57-shutdowns-bonus-payouts-more/

Shownotes on the companion site! https://fearthez.com/2025/01/29/ep-56-caaas-cc-subs-all-the-amex-updates/

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes can be found on the companion site! https://fearthez.com/2025/01/06/episode-55-2024-review-bonuses-lots-of-robinhood/

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Shownotes can be found on the companion site! --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes can be found on the companion site! https://fearthez.com/2024/11/20/episode-53-juno-win-puj-free-30-per-month/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site https://fearthez.com/2024/11/03/episode-52-cfpb-amex-wins-fines-disputes/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Shownotes can be found on the companion site! https://fearthez.com/2024/10/25/episode-51-interview-w-former-enzo-co-founder-ceo-jeremy-shoykhet/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Shownotes can be found on the companion site! https://fearthez.com/2024/10/15/episode-50-cfpb-update-bonuses-the-tenderloin/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Shownotes on companion site! https://fearthez.com/2024/09/23/episode-49-cfpb-pettiness-subs-and-robinhood-updates/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site! https://fearthez.com/2024/09/07/episode-48-sub-payouts-an-unfortunate-rant-lots-of-news/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! This episode was essentially me reading and elaborating on the show notes so please check it them out! Show notes on companion site https://fearthez.com/2024/08/21/episode-47-topic-episode-bank-account-bonuses-for-dummies/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on the companion site! https://fearthez.com/2024/08/12/episode-46-class-actions-galore-sub-dps-i-broke-my-promise/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Shownotes on the companion site! https://fearthez.com/2024/07/31/episode-45-boise-travel-woes-bonus-wins-new-cards/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes can be found on companion site! https://fearthez.com/2024/07/19/episode-44-sew-subs-fdic-updates-discord/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site! https://fearthez.com/2024/07/10/episode-43-custom-cards-evolve-leak-gift-cards-galore/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site! https://fearthez.com/2024/06/22/episode-42-more-fails-wf-bilt-clear-experience-music/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site! https://fearthez.com/2024/06/12/episode-41-bofa-pre-headaches-amex-rebound-gc-discounts/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Shownotes on companion site! https://fearthez.com/2024/06/04/episode-40-more-coupon-books-amex-fails-6-75-apy-savings-account/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Shownotes on companion site! https://fearthez.com/2024/05/21/travel-episode-london-prague-amsterdam/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  Show notes on companion site https://fearthez.com/2024/05/12/episode-38-cfpb-updates-amex-bofa-chase-news-and-so-much-more/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! https://fearthez.com/2024/04/15/episode-37-more-on-robinhood-amex-plat-a-trip-down-memory-lane/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site! https://fearthez.com/2024/04/08/episode-36-robinhood-activity-new-cards-bonuses/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  Show notes can be seen on the companion site! https://fearthez.com/2024/03/26/episode-35-light-up-cards-cash-back-woes-curve-updates/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on the companion site https://fearthez.com/2024/03/19/ep-34-a-saga-returns-gcs-more-bank-closures/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  Shownotes on companion site https://fearthez.com/2024/03/11/episode-33-bank-closures-changes-home-internet-deals-and-ccs/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on the companion site https://fearthez.com/2024/03/05/episode-32-end-of-sagas-nationwide-regional-subs-more/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  Show notes on companion site! https://fearthez.com/2024/02/26/episode-31-fdic-guitarcenter-keypoint-bofa-capone-acquisition-curve/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  See the show notes on the companion site! https://fearthez.com/2024/02/19/episode-30-bofa-application-dps-fdic-update/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  See the Companion Site for Show Notes! https://fearthez.com/2024/02/06/episode-29-atm-reimbursements-subs-2023-year-end-summary/ 2023 Year End Summary https://fearthez.com/2024/02/06/2023-spending-recap-new-year-not-much-has-changed/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  See the companion site for show notes! https://fearthez.com/2024/01/28/episode-28-cc-funding-settlements-credits/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  Show notes on companion site! https://fearthez.com/2024/01/21/episode-27-bankrupt-airlines-bonuses-more-sagas-updates/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!  Show notes on the companion site! https://fearthez.com/2024/01/15/episode-26-new-subs-2-5k-cc-funding-guitar-center-saga-more/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site! https://fearthez.com/2024/01/08/episode-25bonuses-ccs-sagas-shutdowns/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Shownotes on companion site! https://fearthez.com/2023/12/27/episode-24-fmf-purchases-industry-notes-chargeback-wins/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site https://fearthez.com/2023/12/13/episode-23-industry-updates-my-shopping-deals-more/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Companion Post: https://fearthez.com/2023/12/04/episode-22-holiday-discounts-250-free-bets-gift-cards/ If you want, support me on patreon! Referral page: https://invt.co/u/sytvBFfbj Intro music can be found here! --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on the companion site! https://fearthez.com/2023/11/26/episode-21-free-patreon-access-housekeeping-and-black-friday/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on the companion site! https://fearthez.com/2023/11/17/episode-20-hmb-ness-dead-massive-gc-deals-more/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! See the show notes on the companion site! https://fearthez.com/2023/11/11/episode-19-albert-paywall-bofa-2x-day-stats-others/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! See the show notes on the companion site! https://fearthez.com/2023/11/05/episode-18-1-off-coffee-deals-cvs-making-people-blind/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

See the show notes/companion post on my site! https://fearthez.com/2023/10/29/churners-digest-episode-17-brokerage-bonuses-checking-savings-sub-free-taco/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

For show notes, see this post on my blog! https://fearthez.com/2023/10/24/episode-16-topic-episode-europe-trip/ Disclaimer: I am not a financial or tax advisor. This is not financial or advice. This is for entertainment purposes only. Enjoy! --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

See show notes on the companion site! https://fearthez.com/2023/10/14/episode-15-extra-2-day-venmo-offers-bye-curve-more/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial or tax advisor. This is not financial or advice. This is for entertainment purposes only. Enjoy! Update: mentioned this in the Simple Finances discord a few days ago but forgot to add it to my notes. There are elevated targeted Venture X referral codes as reported by DoC and first reported on reddit Companion post If you want, support me on patreon! Referral page: https://invt.co/u/sytvBFfbj Back from Europe Trip - bit sick Shout-out the madman and legend Kleed for being a patreon supporter! Shout out Kai of The Daily Churn podcast for the shoutout 25 referrers - welcome! The Kai effect Latest Episode Churning Life - latest episode 3 Lesson Learned: Roth income & 401k IRA effects https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2023 https://www.irs.gov/retirement-plans/2023-ira-deduction-limits-effect-of-modified-agi-on-deduction-if-you-are-covered-by-a-retirement-plan-at-work Bilt closed loophole for Curve New Priority Pass blog post to keep track of my visits New Amex Gold Business changes New bank SUB DBs Save update George P Save Referral Chase Freedom Flex 5x on Groceries and Gas is public & via referrals My Referral https://www.reddit.com/r/churning/comments/1717fed/daily_discussion_thread_october_06_2023/k3qry74/ https://www.reddit.com/r/churning/comments/16zi5iu/daily_discussion_thread_october_04_2023/k3g8nku/ $200 Airbnb gift card w/ $20 BestBuy gift card [Expired] Verizon $10 off per line loyalty credit Google Podcasts gone by 9/24 to be replaced by YouTube Music podcasts 5% of total listens all time Stay tuned for upcoming Trip Abroad topic episode Future Accounts Breakdown episode I have 53 open bank accounts and 25 open credit card accounts. I plan on doing a topic episode about each and their uses! --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Skip ahead to 10 minutes if you want to get right to the Churning news/updates! Companion Post Disclaimer: I am not a financial advisor. This is not financial advice. This is for entertainment purposes only. Enjoy! Shout-out the madman and legend Kleed for being a patreon supporter! Soon the site will be ad free! Call out Google Podcast, PocketCasts (removes white noise), Apple Podcasts & Overcast  Demographics! - See screenshot on companion blog post! Revived articles 2022 Spending Recap: I Spent Too Much Money Can Visa Signature's Roadside Assistance Replace AAA? One Card To Rule Them All, But Which Is Better? Curve vs Percents Highlighted Article Card Designs Liberty Bank SUB for $200 DP Venmo $5 on $50+ Amazon purchase (targeted, maybe works for GCs?) PNC Cash Rewards Increased SUB $200 after $1k spend in 3 months, plus double cash back first year if opened in branch Wells Fargo Active Cash Increased SUB $300 for $1.5k spend in 3m Costco removes Discover from online shopping Can get around with Curve (my writeup) (podcast episode including Curve info) (DoC discussion on Curve as a way around this) No more multiple Citi Custom Cash cards Capital One $350 checking SUB DD $250 twice in 75 days for $350 Credit Card Losses Rising At Fastest Rate Since Great Financial Crisis - CNBC & /u/Econ0mist Goldman Sachs hurting after Apple Card snafu 9/25 free 4 at home COVID tests Wesbanco $400 checking bonus (WV, PA, OH, IN, KY, MD) DD $500+ in 60 for $400 AnnualCreditReport.com is now permanently available weekly 15% off Uber and other GCs at OfficeDepot/Max BofA Double Cash Back Days 10/2-10/6 Panera 10%, Jamba 10%, HeyDude 10%, Aldo 15% Rant: Chase & BofA Offers Gone for 2 weeks, abroad episode when I return: cards used, lounges etc --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Disclaimer: I am not a financial advisor. This is not financial advice. This is for entertainment purposes only. Enjoy! Companion post Support me on Patreon! Shout-out the madman and legend Kleed for being a patreon supporter! CFPB complaint successful and Amex acknowledge that I should receive MR on my federal income tax payment and that I also met the SUB MSR with the help of this spend. Precedence set again https://reddit.com/r/churning/s/x82xQOXwaG $200 BofA SUB - $2k DD in 90, lots count as DD https://www.doctorofcredit.com/bank-america-100-checking-bonus-public-nationwide/ Chase Business Ink 90k - denied # of recent apps, business structure, insufficient business relationship https://www.doctorofcredit.com/chase-ink-90000-offers-slated-to-end-soon/ Supplement paid $5 to my PayPal https://www.doctorofcredit.com/keurig-coffee-pods-class-action-lawsuit-potential-5-or-36-per-household HMBradley remove all requirements for top tier, all you need is a $500 deposit to get 4.7%, 0% otherwise. No CC or positive cash flow required https://www.hmbradley.com/APYs-NYCB?utm_campaign=Simplify+APY+Announcement&utm_content=Simplify+APY+Announcement+-+B&utm_medium=email_action&utm_source=customer.io $300 travel credit for Venture X is now a coupon applied at checkout https://www.doctorofcredit.com/capital-one-launching-premium-venture-x-card-with-100000-points-200-signup-bonus-395-fee-300-travel-credit-10k-annual-bonus/#comment-1692102 TreeCard is closing their debit card, potentially introducing CC in the future https://help.treecard.org/en/articles/8322299-debit-card-closure-guide https://www.treecard.org/post/a-letter-from-the-founders $200 SUB for $500 deposit, 10 debits & eStatements, $100 CC fund per account App went pending https://www.doctorofcredit.com/chartway-federal-credit-union-200-checking-bonus-direct-deposit-not-required/ $200 SUB for $100 DD in 90 days https://www.doctorofcredit.com/ny-only-bethpage-credit-union-200-checking-bonus/ E trade issues with wealthfront Action items: 500k HMB but FDIC insured up to $250k Kevin Hart Skit --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support