MasterClass on Credit Cards, Bank Accounts, & Credit Scores

You’ve arrived at the Main Concourse. This page serves as the table of contents and contains links to each individual module (aka Gate) within the guide.

This guide has one mission: 

Teach you how to get yourself on your next vacation and all future vacations at virtually no cost.

This is the most comprehensive guide you’ll find anywhere online and is based on thousands of hours of research. I’ve personally used each and every one of the techniques listed here.

If you got to this page before understanding the contents of this guide and why it’s so powerful, head back here to read the explanation. For a high-level overview of the contents of each Gate, scroll down below.

Let’s dive right in 👇.

Gate 5 under construction…

Gate 1 | Credit Scores - What, Why, & How

• What is a credit score

• Why credit scores are important

• How to build up your credit scores

• Common misconceptions/myths and why they're wrong

  • Myth: Credit card applications hurt your credit scores

  • Myth: Having lots of credit cards is bad

  • Myth: Carrying a balance on your credit card is good

• How to check your credit score

  • 700 score starting point

  • Freezing your credit reports

Gate 2 | The Art of Cards (Credit)

• The proper mental models and thought perspectives (natural spend)

• Overview of churning credit cards - mechanics of sign-up bonuses (SUBs)

  • Requirements, fine print, restrictions

  • Hacks and under-the-radar techniques (this is the good stuff)

• Common misconceptions about credit cards

  • Misconception: Credit card debt is bad

  • Misconception: Perspectives around annual fees

  • Misconception: Business cards require having a business

  • Misconception: Churning is a dying hobby

• Personal vs. Business credit cards

• How to protect yourself

  • Autopay perspective

  • Paying off balance/compounding interest

  • Credit limits

  • Freezing your credit reports

  • Keeping track of your credit score

Gate 3 | Bank Accounts

• The proper mental models and thought perspectives (natural payroll)

• Overview of churning bank accounts - mechanics of sign-up bonuses (SUBs)

  • Requirements, fine print, restrictions

  • Hacks and under-the-radar techniques (this is the good stuff)

Gate 4 | Getting Started With Churning

• Picking a card

• Prioritizing your goals and things to consider (destinations, airlines, hotels, business, cash back, etc.)

• General guide vs. tailored prescriptive guide

• General guide

  • Chase

  • Amex

  • Citi/Capital One

  • Student/Starter/No credit history

  • What if you already have credit card debt?

    • Balance Transfer + 0% APR

  • Airline Transfer Partner Matrix

  • Hotel Transfer Partner Matrix

  • List of cities that are airline hubs

Gate 5 | Organization and Tracking

• Importance of tracking and organization

• Spreadsheet templates

  • Bank Account Tracker

  • Credit Card Tracker

  • List of Recurring Bank Account Bonuses (guaranteed income on a recurring basis)

• What's next?

  • Budgeting/expense tracking

  • Point balance tracking

  • "Coupon books"

  • Other tools and recommendations