Hey Sebby, can you make a video geared towards Americans living aboard such as Europe, Asia, Australia

It’s just a coupon book

I have one data point that might interest some people out there. I applied for a new chase credit card recently and received their “we are reviewing your application, please allow 7-10 business days”. So I called the recon line to get to the bottom of it. After speaking to the rep he asked if I would be willing to lower some of my credit limit on the other cards and I said yes. Here is where things got interesting. I couldn’t lower my credit limit on the Amazon prime card nor a Disney card that I got a while ago. Also, in order to lower credit limits, accounts have to be at least 1 year old. On top of that, for some reason I couldn’t lower my credit on my chase freedom flex which has a $10,7000 limit. Waiting to see if they approve me regardless

🐧 Still newish and enjoying your content. Hoping to convince my husband to make a ski trip to Japan.Thanks

How do you used stacked free hotel nights? Is there an explanation on your wrbsite?

I Have The AMEX. I Like It For The Lounges. Im Thinkin' About Goin' Sapphire Reserve For The Car Rental Insurance. 🥤.

The biggest mistake I made was that I got the Plat Amex first. Now i am locked out of both green and gold bonus.

Could you describe how you successfully used the club level upgrade on the Ritz Carlton card because it's a bit confusing to use and when I called to "upgrade" a stay for a future travel it seemed like they didn't actually rebook using the upgrade certificate but rather just had me pay for the club level booking outright?

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This is a disgrace in comparison to lounges in middle east and south east asia. You guys really need to get out of crumbling US.

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I'm a little lucky and am grandfathered in on Savor, so I can have that card without a fee. Still miss when it had 8% on restaurants and 4% on Groceries. The miles cards never make sense to me. Yeah their points are just called miles they aren't real miles, I get that. Though the worth of miles is like the stock market. I've seen posts on reddit of people able to fly business class on overseas flights for 55k miles on what would have been a 3.6k flight. Meanwhile there will be people spending 15k miles just to fly half way across the country on a flight that would have been $350. I'm just sort of at the whim of whatever the points gods feel like miles will be worth that day. With the Savor though I just get a piggy bank that builds. I don't have to guess what a transfer rate will be or anything and I still get offered discounts if I book through capital one travel apps.

I hope the Antarctica trip happens for you so I can get more ideas on how to do it. It’s on my bucket list also but I think I will have to aim for 2026 because I have 3 weeks in Asia and 2 weeks in South Africa slated for this year a long with a couple of domestic trips. You can see 🐧 on an island off the coast of Peru tho but it’s a habitat so you aren’t getting incredibly close but still an awesome experience.

Sebby thought we wouldn’t notice that Kendrick reference but we did. 😂

Do authorized users accounts count against Chase 5/24 rule? 🌳🎄

I’m planning the Savor and Venture X my credit score is above 782 on all three bureau. Which should I get first? I only have a few cards open at the moment short term the Savor would be beneficial sooner and I plan 6 months later venture X. But what do you think?

Restaurants are fine for points but what I need most are grocery stores. Getting 2x at a minimum on groceries, this is where DL Amex Gold and Platinum have the edge. AS lounge access is a big deal though. 🐻

Antarctica on the bucket list?? I love the ambition!

🐧 was already at 5/24. Recently added Hawaiian Air & applied for American. Both 70k with ONE purchase. I also find it hard to keep to my workouts routines when traveling.

I love more tutorials! My CC plans is to stack points for travel plans. My personal goal is to run a faster marathon.

Taking a break for a year or two sounds a lot like baby Sebby is in your wallet too

Hi. I got my AMEX Gold for free when I opened up my Ameriprise Account in 2006. It was free for many years and then they started charging an annual fee. It started small and they kept increasing the fee and then they downgraded the card without notification to a Green card when they raised the annual fees. It was $90 for a few years and just this year they raised it to $150. My question is how badly it would affect my FICO score if I cancel this card after nearly 20 years? Is there a way for me to find out?

Priority Pass from Ritz no longer able to use for airport restaurants, so it dropped from S tier to A for me. Only S tier imo is Hilton Aspire.

I want to pay with my AMERICAN EXPRESS PLATINUM CARD

Debby has a business right? I recall him briefly talking about it on the Graham Stephan show

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Hi all, silly question but I was given a couple of stand by tickets to use in 2025. In planning on using the Denver Airport to travel to Mexico City with Aeromexico. Anybody know if you can access a Capital 1 lounge with stand by ticket if I have the Venture X ? I guess the answer is no but worth asking. Thanks in advance

1. I’m currently sitting at 2/24 so 3 Chase cards (Flex, Preferred, Boundless) before moving onto Citi. I have the C1 Duo so I’m set with C1. 2. Most of my 2025 travel plans are already booked so no redemptions in mind at the moment. 3. Workout more consistently

Would love to see how you manage All the benefits to see how you maximize them… excel?

I do a majority of my travel to the Philippines. I have the following: Sapphire Preferred, Ink Business, Amex Business (no annual), Amex Hilton (no annual), and Amex gold delta skymiles. Which of these should I use primarily while in the Philippines?

More redemption videos would be great because a lot of people are confused on how to use their points

🐧 Being Team Cash Back, I have all the cards that I really need. I'm still hoping to get off the Robinhood Gold Card waitlist. Other than that, the only card that I have my eye on is the AmEx Blue Cash Everyday for the 3% for Online Purchases. My hesitation is whether the exceptions would exclude my purchases and whether the extra 1% from my 2% Everything Else card is worth taking out another line of credit.

I’d love to see you do a comparison of points vs cash back where the cash back is auto invested - cards like M1 finance and Fidelity.

🐧 Ironically working out during travel is one of my goals. I actually have a 5 card set up based off one of your videos, but looking to get rid of one and attain two travel speciality cards for Hotel and Alaska airline, probably just the regular one.

Japan is so cheap right now, I wouldn’t waste my rewards there.

🐧 So I have the AMEX Platinum but I’ve been thinking about switching to Delta Reserve and canceling because I’d like to have my main airline card get me status and lounges. Do you think I should cancel AMEX plat for delta reserve or keep AMEX plat and ignore delta reserve? I can’t justify having both so it’s one or other.

My plans (I start the year at 2/24): 1. IHG Premier. This will give me a FNC for when I go to my college homecoming (3/24). 2. Either an Ink or one of the Avios cards. Saving Avios for a trip in the future (Maldives on QR) (4/24 if Avios; 3/24 if Ink). 3a. Depending on what it entails, maybe the Alaska Airlines Visa Infinite (what I’m tentatively calling the new premium Alaska Airlines card), as the companion certificate(s) could be useful now that I have a P2 (5/24 if Avios at 2, 4/24 if Ink at 2). 3b. If the Alaska Airlines Visa Infinite turns out to be a dud, I’ll probably go for either more Inks or more Avios cards (5/24 | 4/24 | 3/24).

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🐧 Get Alaska Premium + Chase Ink Preferred. Start utilizing AS/AA internationally, get aggressive with spend on Citi Strata, USBAR, and CIP.

🐧1- Getting into Hilton Honors! Hoping to get nice stays soon

🐧1 - Probably dive into airline/hotel cards again, maybe the new Alaska card could do well. 2 - Starting to look into an ANA RTW trip would be cool, but still looking for a good redemption to Australia next year. 3 - Getting back on a (consistent) fitness grind 💪Also Pudgy.. Penguins? 📈😂

🐧Is Mandy Sleeping in the background during the filming of this video? Looking into shifting business spend to a Delta Reserve since we are near a Delta Hub and have a family of four, could spend to diamond hopefully this year

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Don’t you worry that you’re diluting your points across many ecosystems? 🐧

you need to retitle your video as there is no direction of what your 2025 card strategy is?

🐧 I got offered a 200k bonus with 15k in three months spend on Amex gold so currently working on that offer and then my next card will be capital one savor followed by upgrading the venture card that I got during the extra $250 promo to venture x

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Honestly, if y'all are really on your workout/eating plan while at home, the travel shouldn't hit you too hard. Though to be fair y'all travel more than the average person. Just like investing. Consistency!