What's in My Wallet & How I Maximize My Spend

[@CalbyNg]

Correction: US Bank does not code Walmart and Target as department stores*

[@YanLuo]

Again Calby you just proved how CC content can be creative ! Very informative and entertaining indeed! Keep up the good work !

[@CalbyNg]

Thanks Yan! Glad you liked it!! At first I wasn't sure, but I'm like eh I like it, haha. So I'm happy you liked it as well!

[@DinoB12]

Loved the format. Thank you!

[@mrcjay]

You have the curve Metal subscription, can You Tell us why You have that, and If the Metal subscription is worth it to you.

[@CalbyNg]

Oh actually in the US it was a limited time promotion; it was the same plain Curve Card just in metal.

[@kennethbatts5182]

Does the curve card still work?

[@CalbyNg]

For now, yes. Until July 8th. So one more chance to Go Back in Time; Discover It (Walmart & Groceries) & Freedom (Gas, EV, & Entertainment).

[@terrancejackson5167]

I love this style of a video, it helps me to see other people’s setups in real time!!

[@CalbyNg]

Thanks Terrance! That's good to know; definitely more to come in the future!!

[@nysy97]

I really like this style of video! It was great to see the cards in motion. Hope you’ll make this style of video again :)

[@CalbyNg]

For you Sylvia, I'll do it, haha. But seriously glad you liked it! Definitely a lot more fun to record but it does take a little bit more time to produce.

[@KeyKEYadventures]

Love this type of video, very interesting take. Crazyyy how those multipliers add up so fast !

[@schoolruler2]

Are you eyeing the 3% Robinhood card?

[@CalbyNg]

A little bit? I go back and forth because on that Robinhood Gold requirement, but I've signed up for the waitlist.

[@JoshGiebel]

I like this vlog-type style What's In My Wallet video! Good stuff.

[@CalbyNg]

Good to know, thanks for the feedback Josh!

[@Xavier_ID.]

Is there a specific reason why you refuse to go to a Cheesecake Factory? 😂

[@CalbyNg]

Every time I’m disappointed 🥲

[@Xavier_ID.]

@@CalbyNg never been to one, but don’t blame you!

[@AnthonyVenture]

Tastes like chemicals for some reason!

[@Xavier_ID.]

@@AnthonyVenture gross 😂

[@CalbyNg]

@@Xavier_ID. Really?! I feel like they are everywhere, haha. Also the calories are really high for no reason.

[@ryansebers396]

Good stuff, reminiscent of your past vids which have the clever editing and the cat, always liked that style

[@CalbyNg]

Thanks Ryan! I'm trying to see if I can combine in some way; we'll see if it works, lol

[@TienTran-bi1jv]

Do you think the curve still accept application? I can't sign up for it

[@CalbyNg]

Unfortunately not at the moment; they told us beta testers that they plan to partner with a new bank before they are made available again in the US.

[@dariusjamal]

Great vid Calby. I liked the video style too!

[@Th33Vultur3]

It looks like Curve is not doing very well in America. They are slashing limits on a lot of cards included mine. It only has $100 credit limit.

[@CalbyNg]

Yeahhh, seems like they are trying to find a new bank to partner with, but who knows if that'll ever happen honestly.

[@olympicfireball]

@@CalbyNgis there any other companies that does the same thing as curve. All the smart cards I have found have collapsed or not issuing.

[@CalbyNg]

From I've seen; I haven't found one yet unfortunately

[@romanellisgirl11]

Anakeesta!! That’s my sign to go down there again 😂

[@CalbyNg]

I’m basically showing you the signs 😁

[@ItsMeCJ]

I TOLD YOU ALL CALBY IS ON TEAM ROSE GOLD! Look at that BEAUTIFUL card!!

[@CalbyNg]

Well I can't cancel the Gold card; I have to cancel the Rose Gold card

[@RITPA]

I miss the cat at the laptop lol

[@CalbyNg]

I'm just teasing at this point 🐱 💻 haha; but I hope to incorporate her more into the videos; if she would cooperate, lol.

[@masongonzalez979]

This should be the new blueprint for how people do What’s In My Wallet videos!

[@CalbyNg]

Cool! I might do this from now on, thanks Mason!

[@MarkS-cd3cw]

I’m surprised more guys aren’t raving about the AAA daily advantage

[@CalbyNg]

Oh yeah, I've looked at that card, might be one for the bucket list

[@PingPingTravel]

I prefer a slim wallet. I only carry one physical card at all times (CSR) unless I'm going to a hotel, where I then bring the appropriate hotel card. Everything is on Apple Pay.

[@lienecarter6411]

Did you use any chase offers? Or Amex?

[@CalbyNg]

Unfortunately not much this month; just the one Amex Offer for Vans

[@elijaho]

I did enjoy this type of video, thank you

[@CalbyNg]

Good to know Elijah, thanks for letting me know!

[@tdiggitydogz]

Amex platinum stopped reimbursing for Sirius XM 😢

[@CalbyNg]

Yep just after April ended 😭 The new options are ehhhhhhh, hahaha

[@JesseSlomowitz]

I was wondering if you were going to mention the Curve Card issue that the USA has right now. They seem to have closed American accounts since they are working on switching banks and therefore are reworking the setup for America. Now I have a Curve black card that I can't use anymore.

[@CalbyNg]

Oh, has it already stopped working for you? Officially they were supposed to stop working on July 8th; I would message them if yours has already quit working. But yeah, I made a community post on the topic, I'm really hoping they don't make us reapply for the card again if they get the bank figured out.

[@JesseSlomowitz]

@@CalbyNg Oh, I must have missed the post then. I was thinking of your reaction for that happening since I learnt about the Bilt and Curve card from your God Tier setup. But we are going to have to reapply, I asked the reps that exact question when they abruptly told me they were closing my account.

[@CalbyNg]

@@JesseSlomowitz Yeah no worries, community post get burried all the time. Ah, thanks for doing that research; that kind of sucks because I know it's possible to change banks without making the consumers reapply (Happened to my Playstation credit card, Capital One to Commenity Bank). However it might mean the God Tier Trfiecta might work for a bit until Bilt shuts it down again. But I would warn you, Bilt specifically has this method listed in their terms and conditions now (as before they didn't) so they could claw back the points and ban your account.

[@wanderingdoc5075]

Have the same design on my vanilla Plat!

[@CalbyNg]

Definitely an interesting design! Wish I had that nice black color background like they have on the Centurion though; that would be sweet, haha

[@wanderingdoc5075]

@@CalbyNg 😂😂 get on that Calby

[@seand99x]

Hey Calby great video! Thanks for sharing

[@CalbyNg]

Anytime! Thanks for watching Sean!!

[@GoodFortune_90]

Thanks Calby for the excellent and unique video.

[@CalbyNg]

Glad you liked it Luis! Thanks for popping in!

[@jamesyu613]

nice, card setup, I do miss the cat hehe

[@CalbyNg]

They'll always be here, waiting to make a cameo 🐱, haha

[@jamesyu613]

@@CalbyNg hehe

[@morita9625]

I've been waiting for this series for a while. Nice video and I like your advice, Calby 😁😁

[@CalbyNg]

Thanks Morita! A little bit different this time around, haha

[@Xavier_ID.]

Your videos are super creative! Great way to show what’s in your wallet 👍🏼

[@CalbyNg]

Thanks Xavier! I might do this from now on; appreciate you tuning in!

[@DoYouTakeCards]

I am surprised the Curve card is still working. I did enjoy this style of video a lot.

[@CalbyNg]

Yep til July 8th unfortunately 🥺 Gotcha! I might go with this style then; I found it more fun and interesting to do haha. Thanks!

[@Th33Vultur3]

After July 8, all cards are deactivated, right? I have one and it got reduced from $500-$100. I rarely use it so it’ll probably put a slight dent in my credit report once It’s no more it stops. But since it’s in good standing with no balance, it will probably be on my credit report for the next 10 years till dropping off in good standing.

[@CalbyNg]

@@Th33Vultur3 From my understand yes; I was hoping they would just make them inactivate but leave them open, but that doesn't seem like it's going to be the case. At least they only reported to one credit agency so it shouldn't be too bad.

[@jimmyjames6492]

Awesome breakdown! Thanks for the info + video!

[@CalbyNg]

Of course, thanks for stopping by Jimmy!

[@millennialmoneymom]

Calby! The Wyndham Business Earner card gets 6% back on Utilities 🎉

[@johncameron4194]

Cute cat

[@CalbyNg]

Thanks! 😺

[@Waz90]

FINALLY! Cats are back! 🐱 Was losing hope not seeing them anymore.

[@CalbyNg]

Haha, not all hope is lost 😸

[@Waz90]

@@CalbyNg don’t you forget, those cats got you where you are today. 😄

[@CalbyNg]

@@Waz90 They really have. I would prbly be on the street without them 🥹

[@jaysonpadilla9588]

Great video

[@CalbyNg]

Thansk Jayson!

[@aviationnine-tailedfox2216]

Wait, you raised two cats? Anyway, you gonna have to change the strategies once the Curve Card gone, btw.

[@CalbyNg]

Yep! The calico was lonely so I got her a friend, haha. Oh for sure, I'm gonna miss the Curve card so much 😿

[@kazi1]

Yo

[@CalbyNg]

Hey hey!! 👋

[@kennethbatts5182]

bucee's counts as merchandise on amex also.

[@CalbyNg]

Ohhhh that's interesting; which card was that on? You know later I tried my Blue Cash Everyday it gave me 3% back; but coded as groceries.

[@kennethbatts5182]

@@CalbyNg well really it was like merchandise and supplies-groceries. I used the blue cash preferred but didn’t get the 6% back.

[@kennethbatts5182]

@@CalbyNg the gas pumps coded as fuel and got 3% back there though. If I get gas at the Harris Teeter or most grocery stores you only get 1% back at grocery stores even though it still codes as fuel.

[@CalbyNg]

@@kennethbatts5182 That's so strange because you would think the Blue Cash Everyday and Blue Cash Preferred would code the same; unless it's the specific Buc-ee's? That would also be weird. Gas stations code weird, haha

[@jhgolfman]

Enjoyed

[@CalbyNg]

Thanks Golfman!

[@ModernMoneyHabits]

New Title " Day in the Life of a Credit Card KZbinr (What's in My Wallet)"

[@CalbyNg]

Ohhhhhhh I might steal this (most likely) thanks!

[@AnthonyVenture]

The Tesla Key Card is the most important card in your wallet. ⚡️ Ps. Very fun video format, keep this up, we want moar!!

[@TechYodaSV]

I hate that it takes up a mandatory slot in my MagSafe wallet. I can only carry one CC in order to carry my ID and that stupid key card. 😂

[@AnthonyVenture]

@@TechYodaSVHaha, it’s one of those things that you never need until your phone dies, then you NEEEED IT 😂😂😂

[@TechYodaSV]

@@AnthonyVenture I wish! I’ve had to use it a handful of times this year alone when the car wouldn’t recognize my phone. I had to unlock and put it in drive with the card. The Tesla software has steadily gotten worse over the years.

[@AnthonyVenture]

@@TechYodaSVAhh true, that phone key connection thing has happened a bunch of times to me too. Luckily the door always unlocked for whatever reason, but I hear that for sure.

[@CalbyNg]

Otherwise it'll be a $37k lose, haha. Thanks mannnn! That's good to know 👍

[@johncameron4194]

Looks at my wallet hmmm cash

[@CalbyNg]

‼

[@ahnonamos]

I didn’t realize USB Cash + department stores was Walmart and Target as well

[@CalbyNg]

Oh no, you’re right Walmart and Target don’t count!! Some reason I thought they did; kind of hate the way US Bank formats their reward information.

[@msaylorBTC100M]

3,100 pts for $460 spend... now that is crazy

[@CalbyNg]

Right!! Rotating catergories mannnn

[@babybabibaby]

I didn't know US Bank considered Walmart and Target dept stores 😮 That solves so many problems for me 😅

[@CalbyNg]

Oh sorry! Actually, Walmart and Target don't count, unfortunately; I wish US Bank's reward system was a bit more clear 😓

[@fwoodbridge]

This is actually well done, and informative. You're, I think, the only cc KZbinr i consistently watch. Most others (like Venture, koff koff) are becoming tedious.

[@AnthonyVenture]

Just replace the word “tedious” with “gorgeous”. Thanks Fred.

[@CalbyNg]

Thanks Fred! I appreciate you being here! As for Venture I think he has his own good points/audience to his videos

[@CalbyNg]

@@AnthonyVenture Haha 🤣

[@ItsMeCJ]

@@AnthonyVentureyou are definitely gorgeous 🫠

[@danielturner8798]

Second!

[@CalbyNg]

Niceeee 🥈

[@CesarJoel]

Enjoyed the video format and the spend breakdown. Very good setup Calby!🫵

[@CalbyNg]

Thanks for the feedback Cesar my man!