Should you self-close before an issuer does?

Welcome to the Hurdy Gurdy Travel Podcast! 🎻 Justin and co-host Darren explain the sudden Comenity/Bread Financial shutdowns—what likely triggered them, how to de-risk, and smart pivots to keep earning points & miles. Breaking news: a War on Happiness report: sudden account shutdowns, why they maybe happened, and why it was absolutely worth it. Accounts closed, no email, no warning, just mass confusion and zeroed credit limits. Miles and points drama for sure! 00:00 👋 Intro: low-cost travel with points & miles 00:45 🧱 Comenity/Bread shutdowns—what happened 01:51 🎙️ Darren’s experience & takeaways 03:16 🧩 Card benefits & stacking (what still works) 05:50 🤯 Surprise closures & service headaches 13:18 🧪 Likely triggers & risk factors (patterns we saw) 22:46 🛡️ De-risking playbook & future considerations 26:41 😮 Most surprising elements 28:44 📣 Announcements & speaking engagements 30:29 🧰 Rewards tools & CardPointers shout-out 31:15 ✈️ Meetups: travel & points community 32:40 🧠 Maximizing ongoing card benefits—safely 39:30 🧭 Navigating shutdowns without losing momentum 48:18 📚 Lessons learned from past deals 52:55 ✅ Closing notes & what’s next — 🎙️ 📢 Listen to the Hurdy Gurdy Travel Podcast: 👉 SoundCloud → https://soundcloud.com/hurdygurdytravelpodcast 👉 Apple Podcasts / iTunes → https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490 👉 Spotify → https://open.spotify.com/show/0PRUx83Z4XKHengsgOoLWg 👉 TuneIn → https://tunein.com/podcasts/Podcasts/Hurdy-Gurdy-Travel-Podcast-p1275539/ 👉 iHeartRadio → https://www.iheart.com/podcast/269-hurdy-gurdy-travel-podcast-51807405/ 👉 Podbean → https://www.podbean.com/podcast-detail/vvdph-a3425/Hurdy-Gurdy-Travel-Podcast 👉 Pocket Casts → https://pocketcasts.com/podcasts/1a722d50-2d0a-0138-96d6-0acc26574db2?_prerender=true 👉 Podchaser → https://www.podchaser.com/podcasts/hurdy-gurdy-travel-podcast-1153719 👉 Podcast Addict → https://podcastaddict.com/podcast/hurdy-gurdy-travel-podcast/3497422 👉 Castbox → https://castbox.fm/channel/Hurdy-Gurdy-Travel-Podcast-id4351553?country=us 👉 …and many other podcast platforms worldwide! 🌍🎧 📡 Prefer using your favorite app? Simply copy & paste my podcast RSS feed: http://feeds.soundcloud.com/users/soundcloud:users:706382626/sounds.rss — 💜 Support My Work & Unlock Special Perks: 👉 Visit the Support Tab on my website to contribute via SubscribeStar → https://www.subscribestar.com/hurdygurdytravel 👉 Support me through helpful referral links on my site. 👉 Use my CardPointers affiliate link to save on annual and lifetime memberships → https://www.cardpointers.com/hurdygurdytravel CardPointers helps you activate card-linked offers and take advantage of other powerful credit card features. 👉 Earn 500 miles when signing up for Rove Miles using my referral link: www.rovemiles.com/?signup&referralCode=8AS1JSG9 — 🎁 Subscriber & Supporter Perks Include: ✨ One-on-one calls with me ✨ Advance notice of upcoming podcast guests (submit your questions!) ✨ A custom podcast episode recorded just for you 🎙️💬 ✨ Bonus content 🎁 — 🌐 Stay Connected With Me: 🔔 Subscribe on YouTube → https://www.youtube.com/@HurdyGurdyTravelPodcast 👍 Like on Facebook → https://www.facebook.com/HurdyGurdyTravelPodcast 🐦 Follow on Twitter / X → https://x.com/HurdyGurdyTravl 📸 Follow on Instagram → https://www.instagram.com/justinvacula/ — ✨ Thank You for Listening & Supporting the Hurdy Gurdy Travel Podcast! Stay tuned for more tips, strategies, and stories to help you optimize your travel, rewards, and lifestyle. 🚀🌍💳