What's up everybody, we are live! Welcome everybody! If you are looking at this, a pre-recording look at it. Maybe within about maybe five to ten minutes. I tried to pick Sunday night around, like 8:30 Eastern Time, to make it more appropriate for everybody. So hopefully we get some traffic and air.

We got some people, we could talk about a couple things I wanted to talk about today and then we can just go from there and kind of just talk about whatever we want to talk about. So, let's see if you are in the live stream, just make sure you hit me with a chat, say hello and let me know if you guys can hear me I'm going to try to do the live streams with a mic instead, just to make it better Quality, so let me know if you can actually hear me and if you can hear me to say hello, just I know you're in here so welcome in welcome in Sean. Thank you. Thank you.

So much for coming in gon na give it about five minutes. Now. You're always one of the first people. I want to acknowledge that they're coming to the chat, so thanks for coming in and so on.

Let me know if you can hear me by the way too. Today's topic is going to be about the applecart. I want to get everybody's opinion on the Apple credit card. Thanks Sean, I appreciate it a lot, an apple credit card and also the whole Wow error situation.

I just transpired over the last week, which I thought was crazy. The whole situation was just ridiculous. I did a survey a couple hours ago. Do we require Saturdays or Sundays? It looks like everybody picked Sunday's.

So that's what we're going to be doing from now on I'll. Let you guys know a few days in advance on what Sunday I'm going to do it. I'm going to try to get into a flow of doing it every Sunday as I can, but Sunday it looks like it works for people we're going to try to do it in the maybe afternoon, even in time, because that's what looks like works for everybody, so We're gon na be doing the live stream is on Sundays. It's going to hopefully be every Sunday, if not every other Sunday but, like I said I'll, keep you guys posted on the community chat on Instagram.

You don't have me make sure you follow me llanera! Keep you guys updated with what i'm going to try to go, live so yeah. Let's talk about the apple cart. Is anybody excited about the Apple credit card? Is it something that everybody's excited about or not excited about? What's going on? I think they can definitely do a lot better with their rewards. I think, got ta.

Do a lot better with the rewards, just not enough for me to snag on it. I did a video on it last week and just wasn't I mean it was. I got a lot of views. Obviously cuz everybody was searching for it, which is which is awesome for the channel, but as far as the card itself, it just wasn't the best just wasn't the best card.

I don't think it was a surprise to me. I didn't know they were having a credit card out. I know they had a credit card a few years ago and it didn't do too well and, to be honest, I'm kind of expecting the same thing with this card. The only seller I could possibly think of is the whole titanium, show-off type of situation, but I'm sure that'd be played out after a while James welcome into the chat um.

I like to always be honest. I think so somebody asked me I'm not sure who it was. Was it a good starter card and I told them it's an okay starter car like a little starter card to kind of just like your typical I just whatever. I think you can get better starter cars in this car, but I think it is a okay starter card.

It's not the best starter card, but if you're looking for like perks and all that good stuff nah, I'm a big Apple fan yeah, especially for a car with like no I'm sure this car doesn't have an annual fee and, as you can see, I'm appaled out With the phone and the iPad and the air pies a lot of stuff, you know I'm kind of trapped into the system. I guess if you want to say it because I've almost to switch down to Samsung or any other carrier, it's going to be really hard to do so. Everything is kind of just I'm kind of in this and I'm cool with it. But the credit card situation is kind of scary and, like I'm I got my gosh am robbed one of the subscribers on here.

He was talking about you know. If the titanium card is a seller, then you should have maybe gave it given us more rewards, because you know you want to pull it out to look nice and maybe you know, show off a little bit, but if you're only gon na be getting 1 %. Just to pull out that card, you know, that's like you pulling out. You know this thing right here right, that's like you pull it out this Amex Platinum Card, I'm at a restaurant when you have the image Gold Card or you had like the Amex.

I don't know some something else. You know I'm saying I just don't don't do it, I'm just to show off cuz you're, not economy, hurting yourself. So I agree with you Sean. I think they should have a lot more stuff to offer.

But, like you said, I'm a big apple fan too. The only thing you're gon na really get more value in is, if you're buying Apple products, that's gon na be their highest values, so they kind of want to keep you buying Apple stuff and then 2 %. When you by anything but there's a lot of like small businesses, that I always like to go to like small like little, you know small businesses and stuff and really big supporter of small businesses. They don't accept Apple pay.

So why don't you 1 % on everything you know this is not the best and I don't know what their points are. I don't know what one point is going to really get you probably not gon na get you much but um. You know you know and then the whole goldman sachs sing like the company behind it, i'm not mistaken. He just had like some stuff going on with them not too long ago.

So i don't know we'll see how it goes. I am curious sort of they're calling it titanium, which again a titanium just a metal, i'm very curious to see what it feels like, but that's pretty much it that's pretty much it. I think it's gon na hurt me. If I see somebody like, I had a restaurant putting out the Apple credit card, we like guy out with the broke pods now why? Why do you call it broke pods, what's up with the whole broke? Pods thing.

Apple, cart is the new flex. What's what is broke pods? Is it people who are broke up governor? It was the old gossip line up. I do like, and I'm not gon na bash it I do. What I definitely do like is I like the security of it as far as the car? Not having any um car not having any oh, I have no idea.

I just free people saying online yeah I'll know what it is. Either I'm broke pods, I'm not sure cuz I mean if we're looking at as far as they work really really well, I mean I have it right here. It's probably one of the best inventions, obviously - and it's so simple to it's just so simple, but it makes so much sense because when I have the cord, I'm always dropping my phone, you know how you drop your phone and the air. The earphones are still in your ear and it can hurt your whole neck when you drop it.

So I don't know you know the whole broke pods is I don't know about that? That's a good question. I, like the capital, one venture capital, one venture capital, one venture for sure, but Berkeley has a really nice. That's a really nice car that I arrived a plus car so which one do you like? Do you like Berkeley arrival plus? So do you like the capital on vintage' car, which one are you a fan of? I know like the. What is it the berkeley arrival plus is a little bit cheaper.

I think. Maybe that was six dollars. It might be six dollars cheaper and then I'm the capital one venture card is $ 95. I think that Berkeley is 89 and you get like the first year waived or something like that, but exactly the transfer partner.

This is definitely what I was thinking about and then also you know the hangar fees wait for the first year. So you know, as it was opposed to Berkeley Berkeley card. You got ta pay $ 89 to make it go now hold on I'm trippin. It's wait for the first year, I'm sorry but yeah.

Definitely the transfer on points I like, but I mean they're very similar, I'm not sure with the sama bonuses all right now. I can always check on the museum. It looks like the signup bonuses 70,000 right now for the Berkeley card 70,000 points which is not bad, but the transfer partners is just a lot more 50 and 70 K, I'm DSL, I'm sticking with the capital one venture card in a situation. Now, let's talk about this whole Wow err discussion is there, do we still like - and I think, a lot of people and it's not that it's not the passengers fault about sin at all, but I do feel like and I've never flown a while air before I'm, Not a UH, I think that's an Iceland and give me a thumbs up to thanks.

Whoever just gave me a thumbs up, I'm not in Iceland. I've never went to Iceland. I think Iceland is like wow. Where was Iceland's like carrier, but I just think the way it happened was just.

I didn't know that that could happen like that. Like I know, Airlines can merge. I know they can. You know go on a business or whatever just like a store does, but I'm thinking maybe like you know how a store is having I could go on a business sell.

Maybe you know the company was gon na have and thanks for the thumbs up, everybody I thought. Maybe the WoW air was gon na, have maybe like a like a Jay Jones. Thank you. Thank you.

Thank you. Thank you. So much for the thumbs up yeah. I thought they were gon na have maybe like some type of notice or something they said that they were having somebody invest in the company and then out of nowhere.

It was just like. No, so I'm just like you know, okay, I just think that um a lot of people were stranded, and that was very that was really messed up, but then number two, I know before you check out most of the time with Airlines and even third parties actually Do you want insurance, and I am victim for this - I'm gon na be honest. I never clicked their insurance buds. I know the risk I'm taking and now I'm just like.

You know what it's really important now to really have a car that gives you travel insurance. I know the American Express Platinum does not like to chase off our reserve. Does the Chase Sapphire Preferred? Does the AMEX card does not that's? Why I'm very it's kind of like a rock and a hard place because you, the five points per dollar when you're buying a flight directly with the airline? But you know if you booked it on there and something happens with the airline, you don't have any protection. You have any insurance, it's kind of like play of a fire, so I think everybody needs to have some type of card in our repertoire.

Travel protection regardless, if is Chase, Sapphire, Preferred or the reserve, and with the preferred increase silent bonus right now. I think it's a perfect time to maybe get it or buy insurance. You know through third parties and stuff because, as you see, this stuff happens there's still mind blown though people were paying like a extra $ 1,000 to get to where everybody had to be. I know this one guy was going to India and he had to pay like an extra.

I believe, seven, eight hundred dollars that he really couldn't afford, but he had to do he had to do so. It was a very, very tough now, if you're, some of you guys, are familiar with like bag. I'm sorry just insurance in general, I'm looking at some stuff right now we got baggage of delay. Protection lost, damaged, baggage protection.

So if your bags are lost for a certain amount of time that credit card company will give you X amount of dollars per day, if your bags come to you lost or damaged good night jalisa. Thank you so much for coming in the chat, tributary, embarrassment, tripping trip, cancellation and interruption things like that. I think it's really really important to have those things big time again, the biggest ones I think the best one is the Chase. Sapphire Reserve City procedures on the list as well and chase that fire preferred and again unfortunately, it may flatten does not have it.

So I think again that would be my favorite car. I mean it is still my favorite car, but that would be like the best car in a lot of people's eyes if they offered some type of baggage, delay, trip, protection or something for 550. They give you other things, but they don't give you that. But what are your thoughts on? Is anybody out there have these cards to have travel protection or when you book things, you kind of just play with the fire, or do you book your third parties and get the insurance right before you check out all right? Oh you guys just kind of just like.

If it happens, it happens and that's all you somebody just commented on the Apple product, sucks. Okay, I don't think so, but I'll write everybody has their own opinion. So I can respect it is everybody there. Did we um everybody here? Is everybody there or did my? Did I freezer? What's going on? Okay, okay, okay, never experienced losing baggage, but those perks would be nice yeah.

Those perks are really nice and I think that required now after seeing that I know a lot of the youtubers did videos on them. I didn't want to do a video on it. I got people that kind of suggested me. Maybe I'd do a video.

I didn't want to do a video on it. Figured I'd just talk about it online, but I think it's very important to UM have some type of plan B, just in case it happens, because these cancellations can just happen to anybody. The ton of they've had the times they have happened to me. I got very lucky.

It was more selective, airline's fault. So, like the last time I got stuck in South Carolina. It was because we had engine failure. What you know you don't want to fly if it has engine failure, so they actually delayed that flight for like hours they kept delaying and delaying and delaying it and then eventually just canceled the flight in indefinitely, but because it was the airline's fault and it was In their control they put everybody in the hotel, so I was good but it let's say there was like a some bad weather or something like that.

They don't say no ownership for that, because it's not really their fault and then you're just kind of just how they're going to be sleeping in the airport. Well, you got ta find somewhere to go. I know I think sometimes airlines might help you out, but they're not required to in those situations. So I think, is important to get the get some type of assurance yeah.

I agree. I wish the Platinum had it too again, I'm a big platinum supporter, but stepping it up. You know, I'm hoping you know as time goes when they step it up in that aspect. There are a lot of things, though, that people don't use as far as protection.

I'll talk about that in a minute, I always want to go at the MX platinum about only a risk it with sort of domestic flies. Okay! Well, that's a good way to put it John, Jose and again thanks for coming into the chat. He just said that he always goes with Amex platinum for the five points per dollar problem membership of world points, which is smart. But he only does it with stuff that, like he's, okay with taking a risk for if he has to come out of pocket.

But when it comes to those really big trips, like you know, across seas, it makes sense to get it with the CSR or the CSP. But, like you just said, the CSRs a lot better versus far as protection. So it makes a lot of sense. You losing out on a little bit of money as far as points, but if something goes wrong, you're gon na be very happy that you made a decision.

So that's a good point. A lot of people don't even use um, like the roadside assistance like index, seems like roadside assistance. I know a lot of people who have the Amex platinum card or the gold card, yet they kind of stool - and I know everybody's different, but like a lot of them still have Triple A and their cars aren't like bad, and you know their cars are pretty New and it pretty nice, but if something goes wrong, they're calling triple-a or they're paying for it in their auto insurance. Where, if you look at your auto insurance policy, you can delete that and save yourself some money.

If you know you don't have a car, that's really like risky and you're. You know: you're not gon na need more than for service. You know situations in a year. You know Amex.

Does it for you, that's a part of a benefit of a car. You know so the AMEX gold does it MX platinum. Does it it's up to four times per year? So if you are won by somebody who pays triple-a or pays your car insurance to give you this we're gon na sound assistance when your car doesn't really need it and you have a max platinum or gold, just cancel it. You know four times a year.

They will send people out and tell you or if you need to patch a tire if you can't patch it or you change a tire or something like that - definitely use that per to it is a slow night. I got eight people in here. This is a slow light, so I'm probably got us. Do our lives more, so maybe throughout the day, maybe maybe like 2 p.m.

3 p.m. or Sundays. I think now people are kind of gear ready for the work week, which is respectable. I'm just trying to experiment with different times on Sundays to see what's best for everybody, but I appreciate everybody to say here right now, but we normally have a lot more conversation we're in here.

So it's definitely a smaller crowd, but it's ok new to credit. Thanks for joining in, I was just saying it's a very slow crowd today, so I appreciate you coming into the chat today. We were just talking about the whole apple cart situation, as far as, if you like the card, if you think, is going to be good Leon thanks so much for coming into the chat and if you're joining in just give me a thumbs up, I would appreciate It thanks for the chat so new new credit and Leon. Today we were just talking about the apple cart.

It never makes sense for you and you're going to get it what's going on like. Are you gon na get it or what's going on and we're also talking about the whole WoW air situation? Honey just left everybody, this Amex back to give it out the airline credit on hey adulto, the thing with the whole airline credit, though with American Airlines. It wasn't American Express, it was more so, and I can check for you let you know it was American Airlines and how they coded it in the system. I haven't heard anything as far as it going back, so I would say no especially when it comes to American Airlines as far as Delta, though I mean maybe you're telling me something I don't know, but I didn't think Delta suffered from it, but maybe so, but No, I don't think it's changed back.

I think they kind of kept the coding the same. It was American Airlines that changed the coding, not necessarily American, Express, but I mean, if you're still somebody who likes some like. Let's say you don't have a airline car like the American Airlines Barclaycard or something that or if you don't have the the city advantage platinum select card like cards that give you waived baggage fees, you can still use it to your advantage. It won't be a free flight, but it is still save you some money, maybe you're, selecting your airline.

You can also use it to maybe pick up a seat, maybe after you book, maybe a upgraded seat. So if we wanted to get like a better seat in a better class, it might make sense. That's not gon na be a free flight, but you know it's still 200 hours off. I know some people use it for snacks.

Onboard York use it for Wi-Fi. Since I hurt them the yeah, you can use it for Wi-Fi, we don't have like gogo in-flight or if you don't want to pay for um Wi-Fi. You know you can still use it for things like that. Neuter credit said: he's gon na pass on the Apple Carl have to check your video out yeah.

I think I'm gon na pass too, but if anybody has it, if my friends don't get it first, I will gladly do a review on it. Like you know, as far as how much it weighs and what it looks like when you think so, you got anybody out there willing to donate the card just so I can see. I want mine widest me thanks for tuning in I'm sorry, I didn't tell you in advance again I'm just testing out different times starting next week, though I'll, let everybody know I'm going to be it's going to be Sundays by popular demand, just from the votes that I got today got 14 votes right on here, so everybody who voted thanks so much. We got 14 votes.

So thanks so much we're going to be doing it on Sundays and since it looks like a lot of my people are Eastern Time, but then we have a. I know for a fact. I have a couple people on the west coast - I'm thinking maybe the afternoon to like the earlier part of the evening like right now, it's nine o'clock on a Sunday. So I'm sure people are getting ready for work week, maybe like anywhere between 12 to maybe like five or something like that Sunday.

It's not it's not. This might not be every Sunday because, like this Sunday, I'm actually gon na be out in New York for all weekend, so I'll still try to get a live stream in, but it's probably not gon na be um every Sunday. But I'll. Definitely let you know - and I believe you're following me on Instagram so I'll be doing it on Instagram and I'll be doing it on YouTube.

As far as the community posts, let you know the reward structure for the applecart isn't beneficial Liana. I agree, especially if you like, I get Apple products, but I typically get it through my phone carrier, so I don't always go through Apple, so I'm not gon na really be getting 3 %, 2 %. I use Apple pay. I do use Apple pay, especially on my Apple watch like all day every day, I'm using it so, but there are places that I go to that.

Don't offer that it's only 2 % and I'm not gon na pull out that card to show off just to get 1 %. Cuz I'm hurting myself change, owns Apple car seems like a benefit you besties, we purchased Apple products. I don't write and again I'm an Apple user. Everything that I'm using right now is like.

Even you know the iPad right here. So, hey I'm an Apple user, but I don't buy Apple products all the time because they make their products to a level where you don't have to buy things all the time unless you buy air pods and things like that every year. But this whole like airpower situation, that has happened. I'm you know, I'm just not feeling it right now, I'm glad that our Sundays work for you and again I will make sure I let you know a few days, if not maybe like a few hours or something I'll make sure I'll.

Let you know I basically from there: okay, it's basically a glorified steward card yeah I mean I would say so. I live in Ohio. Is it normal to fly to whatever for global entry interview hold on? Can you say that you said you fly? You live in Ohio, okay to Memphis or other places for global answer. Your interview, Oh, is it normal to have to fly to Memphis or other places for global injury? So I live in Philadelphia.

My Airport offered the interview there, so I would I mean if you're already going to be there or something then yeah, but if you can find an airline, so our Airport, that's closer for the Global Entry interviewed and that's perfect. Flying from a Global Entry interview. Global Entry is awesome, I'm not gon na lie. It's awesome.

I've never had a you know, you get Global Entry, you know you're, probably gon na get the know the TSA you're gon na get to you say pre-check with it right. So I think it's an awesome program at something flying to get. It is the best thing, but that's what you have to do then, do you know about all me, and so you only got to do it once every five years, so shamrock welcome in. We were talking about the the Apple card.

I know you were just not a fan of, and we're also talking about why you preaching you like really really preach and you're right. The whole wild air situation and a lot of customers were left stranded and I hope a lot of customers had insurance if they book their travel on an American Express, Platinum, MX, Platinum, cart, then they would have had an issue because they don't have any travel protection. Stuff, we were talking about the Chase, Sapphire Reserve, Chase, Sapphire, Preferred, etc. As far as having that protection, because, like we discussed a couple days ago and the DMS is just Thomas bag, this is just bad.

Are they trying to corner the market with eBay systems? Would you know if Samsung pays use more? Hmm, I don't so I can take a guess. I would think Apple pay is used more. I think Apple phones are more popular and I believe if I'm not mistaking Apple pay came out first, if not around the same time, I could be I'm not like a tech guy as far as eBay systems are they trying to. I don't even I can't even tell you the last time I bought some got off eBay, so I don't think so, but as far as Samsung versus the Apple pay, I think Apple pay is used a lot more, but it could be equal.

I mean I could be wrong. The only reason I'm saying that again is because I use Apple so those same places that I'm using my Apple card. I'm sure I am sure people are using Samsung pay as well. I feel sorry for those who booked with a debit card really hard to get refunded.

I agree and if you're in the track give me a thumbs up, give me a thumbs up. We would greatly appreciate it yeah. I feel sorry for anybody who so here's my thing with debit cards debit cards. You know, I think, they're good to take money out of the ATM and stuff like that and also have the option to pay.

And, oh, you can get an ATM card if you just want to take our money. I like the flexibility of having a debit card, because, most of the time, I'm only using it to take money out of the ATM. But if I really need to pay, I give if, in a bad world the credit card company shut down and only debit cards. For some strange reason worked, I still got a debit card to use, but that's like my very last resort because I'm not getting any benefits, I'm putting my card at risk because it's in a system now potentially be hacked or something like that or get fraud on It and it takes so long for things to come back to you, whether that be merchant holds at hotels or rental car places or refunds.

I mean that's a credit card. I don't care, is not my money like that. If I'm gon na get my members, it was getting refunded to me, I don't care, it's, not my money, that's on hoes and my money being affected. So shamrock I agree.

Yeah I haven't used a bay. He says Amazon. Prime he's talking about you, pay. Ok, the mobile wallet.

Ok, yes, what Sean said I think Apple pay is definitely more popular. Yep cash is definitely Kenyan. You don't want to be like just too fancy to use a debit card at all and you know something happens and they don't take credit cards and they don't have a ATM and cash advances on allowed. Just like, I think about like the worst-case scenario, I love another side tip.

I have a credit card, so do you ever see me in an airport? Don't try to rob me off. I keep. I keep a debit card, so it's not a democratic eep, a credit card exclusively. It stays in my suitcase.

I have two suitcases and I have two credit cards. They exclusively sit there and obviously there are the cards. They don't give me any reward. Just like my first credit card, I'm a second credit card.

I've ever had you just sit there and I have like a recurring payment on their monthly to kind of keep them active, but they did. They literally sit there and that's another thing like if something was to go wrong and I lost my cards and my phone and my wallet. If I go back to my hotel room, I will still have those cards with me. So if you don't do that either - and I know so, many people who only travel with one form of payment which is so dangerous so definitely make sure your child little more than one.

For my payment get some cash have a debit card. I have a credit card. I have a backup debit card, a backup credit card, all that stuff. All that stuff definitely keep some cars in your suitcase or somewhere that you know when you're on vacation.

It will be there with you not with your wallet tip if traveling always take a second or third car from a different lender. Just in case, one gets shut down exactly I agree, and what I'd do the cards that are in my suitcase they're, not American, Express because American Express is an accepted everywhere, so in a really really really really really really really really really bad situation. If everything shut down - and all I had was my Amex card in my suitcase and they don't take Amex, I am out of luck. So obviously the card I have is a Visa card and yeah.

So definitely US that's. A really good tip. Shamrock definitely keep different and that's how my um - that's all my wallet is right now, because let me see, what's in my wallet, Amex Visa Amex Visa yeah. I got two of each Amex Visa Amex Visa just in case just in case anything goes wrong.

I would like to explore the chaise ecosystem. I did research for the CSR translation and I found that to be the Achilles of mfana yeah. I agree Leon and shamrock is right here, and this is my guy. He loves Amex platinum but like he said they got to come up with some type of some type of something as far as protection, because that's something that they are lacking big-time.

They don't have that. That is definitely the Achilles Hill. That makes you keep their card and you're put in your pocket for sure one of those to chase off my reserve wouldn't preferred, but honestly, and I'm sure you even though you've done your research. The Chase Sapphire reserve gives you more perks as far as delay and protection and all that stuff.

My go to the backup card is the capital one venture. The car doesn't get used much at all, but it's that one card always count on, but never let me down yeah, I agree Capital. One bench was a good card. I have not yet had the capital adventure, though I haven't had the capital one venture card, but the SATA bonus is pretty sweet and I was talking to was I talking.

Let me see who I was talking to earlier. I was talking to Damian earlier about the cap on a one card and I think I'm gon na try it out. It was Capital, One vs., the Berkeley arrival plus car, and we were talking about how we think that the capital loan cars just a little bit better. So I agree we all have like.

I think we all have like a car that doesn't let us down, which is pretty sweet. The American Express has never let me down as far as being a client or anything like that, but there are times where they've, let me down as far as it's not being accepted, I'm traveling internationally. Do you recommend any debit card, yeah, um, so most debit cards? Now most debit cards don't have foreign transaction fees. So I would I'm not going to sit here and pick a specific bank because, depending on where you live or since I'll live, banks may differ, but you definitely want to find a card that doesn't have no annual fee scratch that debit cards won't have annual fees.

I'm sorry, you want to find a car that has no foreign transaction fee because some debit card, just some banks, still do charge it so just find a regular card that doesn't have no foreign transaction fees and make sure that card is. You know, hopefully, make sure it's a visa, if anything, make sure it's a visa, which is very easy. Just get a Visa debit card. No foreign transaction fee make sure you call your bank before you leave, or do it online as you're traveling and take some cash out, nothing specific.

As far as any specific debit card just record, it doesn't have any foreign transaction fees. So in that rare instance, where you need to take money out or you need to swipe your debit card, you're not charged any exchange fees for using the debit card, just kind of just kind of keep it sweet and simple when it comes to debit cards. Because most debit cards don't give you cash back or in the perks some just like your typical bank debit card just make sure it doesn't have any fees. It's because I am it's because I consider it a benefit just card.

Okay, yeah. I think the Amex Platinum Card is a big benefits card. I think it's a really big perk card gives you a lot of status. Gives you a lot of perks? So it's definitely good.

No, I know for a fact, though, like you don't even have to have the Amex platinum in your wallet. You can kind of just keep it at home as long as you know the card number and stuff like that. Maybe it's in your phone, maybe to like them like the other chain or like your wallet or something the only time you may need it is when you're going so Satori lounge. You know you might need that Carrefour get into the Centauri loungin or something like that.

But that's pretty much it do. We have any more Jimmy caves at the Charles swap. Are you talking about what charge to our product? Are you referring to Charles Schwab, debit card? Let's check that out. Let's take out the Charles Schwab debit card, let me see what's going on with that, let's see the perks of the Charles Schwab ethic right, I'm never looking to the perks of this, but you learn something new every day.

Oh nice, it reimburses all ATM fees. Ah, ok, ok, ok, ok! So thanks for bringing it up Jimmy so um. Let me go back to the question for my guy Leon, so Jimmy actually just brought up a really good point. If you have again, you want to find a car with no foreign transaction fees.

I got stated a car, that's hopefully a Visa card because they are accepted everywhere. So you're not gon na, really have to worry about that, but also look for a debit card, and this is more so like a checking account more than a debit card. If you have an account that doesn't give you any ATM fees perfect - and there are some accounts out there, if you keep a certain threshold in your account, they'll actually reimburse you the fees that the other Bank charges you. So I know there's a bank out here.

It's a teeny bank they'll actually give you what is it caught in premier. I think it's called a premier checking account if you keep, I think, 2000 or 2500 in the account they'll waive any ATM fees that the other bank charges you at the end of the month. So that's a good point. How many enquiries should be on the report when they plan for AMEX card or in my report, um Eli, hey welcome in to the chat, so how many enquiries should be on your Amex systems are not sometimes when you report mmm again, there's there people out here.

I think it really more so depends. I think your enquiries aren't the biggest issue. I think that you know the biggest issue or not even issue DISA. So if you want to be cautious about just make sure you know, everything is good as far as the credit score, the credit history, just I mean as long as you're, not applying for like 6 to 7 and 10 cards a month or something like that.

Um. You should be okay and again I think Amex has a rule. You can't apply it for more than I think you can apply for more than a certain amount of cards in 90 days. So the enquiries don't really matter when it comes to Amex, but I would suggest using the pre-qualified tool.

You know the prequalified tool as a soft inquiry to make sure you okay, but as far as the inquiry is on the credit score. So on your credit report, you should be, you should be fine, there shouldn't be any issues. The only issue is the whole chase situation. 5:24.

So make sure you get to chase cards out first Amex. Thankfully, thank God Amex doesn't have on and you found something you're for rule right now on the type of whatever they want to call it rules so chase cards. If you know you want to get chased cards, get them out the way. First, if you apply for a lot of Amex cards or any other cards, and you try to go to chase, if you got five cars in the last 24 months, don't think about it.

Can I swap Bob sorry, shamrock said the Platinum Card makes traveling a little more relaxing, but that's about it. That's a hard one for folks to swallow its truth. Hmm, I agree. It makes it more relaxing it makes some more luxury filling.

I will still will say it's a travel card. It's still one of the very best. I know you're not going to agree with shamrock. I will say it is a travel card double, but no, not one of the very best.

As far as again the cancellation situation, but as far as the perks and the money it saves me, oh yeah, definitely at my opinion, still a travel card. I stay at Hilton hotels. Often I actually was just standing at a Marriott hotel and for two one night. It was four of us.

The breakfast came up to $ 60 for four of us for one night now we stayed there for three nights so 60 times three, it's 180 dollars and that's before any tip, but because I have Marriott gold status because of the AMEX Platinum Card I saved when We say it as a whole over $ 200 and that's a big traveling perk right there and that's just off the you know stuff of having Marriott good as complimentary. That's nothing else that it gives to you. So I think it's still definitely a travel card. Okay - and I agree so when did our stay? Was that off-peak? I guess you could say I was off-peak.

Definitely even the Hilton. You know with the complimentary breakfast for two upgrades things like that we got an upgrade at room. So definitely not. I wouldn't that's a really hard one man like a sci-fi reserve.

It makes platinum. I got a question like this on my Instagram yesterday. I still pick Amex platinum. I know you're like Chase Sapphire Reserve.

If anything you see. Traveling to this, can your cooking in America grows not even recognized Travis, a Los Angeles and JFK in a quick Leland. I may not go tonight. I agree with that.

They look at you when you go up there, you'll be like oh, I marry a gold elite and I'll be like okay. You're, not a platinum is a platinum or diamond. I think it's platinum with Marriott and there's just like oh man, and then you go to Hilton. It's a little bit different and I'm actually gon na show you this weekend because I'm actually gon na be in New York this weekend.

Hilton is a little different. I'm not sure if anybody watches or watched wrestling, but I did when I was a kid and I'm taking my brother for the whole weekend - we're gon na go watch Wrestlemania for the first time. I think it's really awesome. So I'm excited about the whole situation, but I'll show you hopefully you know, I know we're going to get free breakfast and I heard we're going to get upgrade because I called them a couple days ago.

So we'll see Jimmie cave says: don't use diver car when charger for rental cars because they pull your credit you can trigger in Korea. Really I didn't know that. Well, I know I'm sorry they do. They do check credit um, and another thing is: they do really really strange, holds I've seen like $ 400 $ 500, 900 or solds after you've already kind of left, and then your money is kind of just you know.

If you're, not the richest person in the world, your money is just kind of just hanging so yeah. I would definitely agree when you're standing on hotels or you're doing rental, car purchases or rentals don't use a debit card. There are really rare instances where I would agree on using a debit card if I'm somewhere, I don't know I'm not using my debit card. I'll use my credit card, those very rare instances, but yeah you're right a hundred percent Jimmy, but I did not know about the whole.

They pull your credit. That is that's something else. Can I swap my regulator, you may plan to charge well platinum, um Leon, I'm sure you can I'm sure you can. I would give index a phone call heard of it before I've heard that question before.

I believe you can for short, too many folks with status in these popular areas, making gold yeah yep, and I think we had to talk about that shamrock. As far as I wanted a card, they gave airline status, and you said you know you rather have people earn it rather than just kind of get it and pay for it. So like right now with that chaise-cart little not chase, I'm sorry the American expressed that Hilton card offer. Let me see which one is it I get so confused with all these on Hilton changes, but give me one.

Second, it's the card that gives you a diamond status automatically. It is the spire card, it gives you diamond status. So it's big time and that's really nice. But if you're willing to pay to $ 450, you get automatic diamond status.

So I can agree with you. Everybody in New York and everybody in California is willing to pay that it's going to kind of just make it. You know less valuable and, as time goes on and it get like that, my strong aware enterprise there's a credit check with debit, okay, so, okay, I get what you're saying so I've heard is so see. I don't do rental cars really much does other.

That's other things now that are out there, like I'm know, I'm still on the younger in so I'm not 25. Yet so, if I try to rent a car, it's hard to me like a extern when everybody want to charge me a day. What I think is ridiculous because I haven't had an accident, but I use things like if I was to get a car like Toro. You know stuff like that because I'm, oh, my gosh enterprise Hertz, whatever you they're just the fees, the holes on the money.

It's a lot and if you don't have this on a credit card or something like that, it's just it's a lot. You want to make sure you got a lot of money sitting there, because they're gon na put a hold on something. The most you get from status from those places is free food and extreme. The airport yep.

You were diamond before. How did you? How did you like being a diamond? Was it something how about the places where it wasn't busy cuz? I don't always go to busy places all the time, and I typically when I travel, I try to travel off-peak to the to the nice places because it's cheaper. It's less crowded, so you said you were diamond before when you travel to places that weren't, so popular or off-peak, places that are popular. How were you treated then diamond, is and diamond is perfect in the Midwest okay yeah Chicago is big Chicago.

You know Chicago so, and I have got to finish. I have yet to go to Chicago. I know everybody says this when I go to Chicago. I want to do that that building where I'm yeah, you know you're all the way up in the sky.

I think it's the the glass platform, I don't know what it's called. I know it's a skyscraper and you kind of like tilt. I think it's I'm gon na be freaked out, but I think it's gon na be pretty awesome at the same time. So when I go to Chicago, I definitely want to do the.

What is it called? It's called the Skydeck, I believe. Let me see yeah I got ta. Try that out it's the Skydeck, oh yeah. I want to definitely try it out, I'm definitely terrified bo.

Well, I'm definitely still doing olia you've done it. Okay. How long does the whole process it? Is it like like a couple seconds? I guess we kind of just tilt over and that's pretty much it right. I was in Niagara Falls where you standing on.

You stood at the Marriott, are you saying it to Marriott on the Falls? No tilt all glass? Okay, that's awesome! I can only imagine like looking down and it's just like. Oh my goodness, that's where I stayed at to shamrock. This is my picture. If you can see it, I'm not sure how good the reflection will be, but this was my view at night as near as you can see, trying to show off, but that Falls view is ridiculous.

It was breathtaking, but it was just so cold. It was negative when I was there. It was negative two degrees and I forgot my gloves. We were like we were coming, we drove up there and we drove up there and you know getting gas.

I forgot my gloves and I had to pump gas. Oh man, I had to kind of just sit down and negative two degree weather just like holding the gas pump. It was ridiculous, but it was an awesome experience, so I'm hopefully hopefully you're having a good time out there. I went to the casino it was.

It was nice, it was really nice if you haven't seen the video, I'm not sure. If you have or not, I actually did a vlog. So I stayed at two hotels. I say that the the Hilton up, the Doubletree, which is a little bit further down off of the Falls, I think it is on.

I forget what it's called. I just noticed a double tree. It's a little bit further down to the left side. Yeah, the hot tub, that's the same room.

The hot tub is like, so you got to I'm not sure if your room was the same, but when you came in you had the door obviously, and then the hot tub and bathroom was on the right hand, side and then the bed was farther back and Then the view - obviously this was awesome. So hopefully it's probably it's probably the same thing yep pretty much. I'm not trying to be a creeper not like that. I can't see you in the room or not like that, but yeah.

That's definitely what it was. It was an awesome stain. It was a really awesome stain. That was my first time in Canada, though, so I like only to Applebee's and all that stuff and the food was like different I'm so it was, it was it was.

It was a little different. 18Th floor. That's awesome, that's awesome vehicle. Then we did a day trip to Toronto.

I actually did a vlog on it. If you didn't see the video the whole tour on the whole Toronto Niagara Falls vlog. I actually did it two months ago. So do you wanted to go check it out? If you wanted to see my vlog, if you cared go check it out, if you haven't seen it already, but your noggin Fox was nice.

Toronto was nice. I was a nice. It was a nice little situation. If the we go bus pass.

Okay, that's it! I didn't get a bus pass see that was, I was we had a renter, we had a car rent it which was cool, but obviously I couldn't have it in my name cuz. You know it was gon na be too expensive, but I heard about that. We go bus pass the one thing I wanted to do and I said I was gon na come back and do it was the boat inside of um the boat. One Niagara Falls, and you know you can get hit with the water and taking beautiful pictures and stuff.

I think it was closed because it was just it was frozen and I didn't the ice was frozen, so it was, it was rough. It was rough. I've never experienced a type of cold weather, but it was awesome. I wish I hasn't moved since I got here is closed now gotcha maid of the mist.

Yes, it is that's what I wanted to do, but they weren't open. It was just too cold. So I said, I'd have to come back in like the summer time because I was trying to take some nice pictures. Man I'll show and take some nice pictures with that song, uh-oh um, but yeah I mean that's pretty much it that's all.

I want to talk about. I will be having a new video out coming on either it's going to be out on Wednesday. It's going to be Wednesday. I don't know what time works for you guys.

I tried to do a YouTube. Tells me that the best time to post my videos are at 9 p.m. Eastern Standard Time and also ok, YouTube. I'm gon na trust you this time I typically kind of just do like trial and error myself.

I was I'm a listening at YouTube with the video last week a couple of days ago with how to increase your credit score with the credit utilization, and I posted it a like 9 o'clock at night, and it didn't do to us far as views within the First, couple of hours I'm going to continue to post my videos, regardless what YouTube says around 12 p.m. Eastern Standard Time, so new video will be out at 12:15 on Wednesday Eastern Standard Time, since your guys, since you guys are on the livestream, I'm going to give You the thumbnail, as far as what the video is, I'm just to kind of give you a heads up. This is what the video is gon na be um, it's gon na, be all my annual fees and how much I pay in annual fees. So that's the thumbnail right now annual fees that will be out Wednesday at 12:15 p.m.

Eastern Standard Time. The video is already up and ready to go and that's gon na be the video all right. It's gon na tell you. I know Shifu did a video on how much he paid on annual fees and I was like okay.

Well, that's on a lot of use and I guess that's what you guys want to know um. So I will be talking about that, but it is 9:30. I know people are kind of winding down, so I'm gon na end it here, but you got any questions again. You know what to do: Quinn spawner.

What is his fees before I go? How many I haven't checked his via? How much is he paying a feast? I heard he yeah, I know he had like 50 something credit cards. So how much does he owe my goodness yeah, that's a lot of fees, but I'm sure he's getting like. Did he tell you what the value of it was like as far as how much value he's getting, because I'm sure he's getting a lot more value than um? You know six grand, I'm sure he may be getting like 10 grand and value, I'm guessing he's kind of estimating it 2,400 he's getting 2,400 additional value from the 56. Oh cool, I'm gon na put my Instagram and Twitter in the chat just in case anybody here.

Doesn't have me on either definitely give me a shout. I do respond back, so I'm gon na put it right here before I get off here all right, so my Twitter and my Instagram right there give me a shout and if you guys don't have it on there, follow me I'll, be doing my community posts I'll. Let you know no problem they on thanks for coming in and sharing raucous, always a pleasure. Everybody else thanks for coming, and if you are in here, give me a thumbs up.

If you haven't I'll see you guys soon again Wednesday at 12:15 p.m. Eastern Standard Time I'll be dropping the video so make sure your post notifications are on everybody.