The Daily Churn š¦¾ Ep 88 - Costco Gold, Debit Rewards, Burner Lines, Vanguard vs ChatGPT, RH Margin vs HELOCs, Dyson V9 Deal
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Nov 7, 2025 This engaging discussion dives into navigating complex credit scores and the rise of premium card rewards. The host shares insights on using Costco gold for spending strategies and explores the mechanics of HELOCs versus margin loans. They also discuss innovative tools like ChatGPT for financial planning and the practicality of free burner phones. A standout moment includes a savvy Dyson V9 deal that makes clever use of credits. Get ready for a mix of finance tips and fun community engagement!
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Dog Surgery Freed Up Churning Time
- The host's dog tore her ACL and required TPLO surgery with a long recovery, which freed up his travel plans.
- He canceled travel for the year to care for the dog and gained more time for churning activities.
Grab Quick Crypto Referral Bonuses
- Use time-sensitive crypto referral bonuses like OKX to earn quick cash bonuses when the promotion is active.
- Verify risks and hold funds the required period before withdrawing to avoid losses if the exchange fails.
Why Free Scores Differ Across Apps
- Different free credit scores shown by banks come from different models and bureaus.
- Firms choose Vantage or FICO based on cost and distribution deals, explaining score variations across apps.