Do New Cards Raise Borrowing or Insurance Costs?

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 — 🎙️ 📢 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: 👉 Support me through helpful referral links on my site: https://hurdygurdytravel.com/donate-referral-links/ 👉 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. 👉 Become a Frequent Traveler University member and sign up for events. https://ftuniversity.com/?aff=24 👉 Earn 500 miles when signing up for Rove Miles using my referral link: www.rovemiles.com/?signup&referralCode=8AS1JSG9 — 👉 Visit the Support Tab on my website to contribute via SubscribeStar → https://www.subscribestar.com/hurdygurdytravel 🎁 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. 🚀🌍💳