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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