00:00 Introduction and Greetings

02:47 Viewer Questions: Custom Credit Card Designs

07:24 Viewer Questions: Changing Perspectives on Credit Card Portals

14:15 Viewer Questions: Best Non-Premium Credit Cards

20:02 Viewer Questions: Top Credit Cards Under $1500

33:34 Viewer Questions: Deciding to Keep or Refresh Credit Cards

35:59 Evaluating Credit Card Points and Benefits

37:26 Changes in Credit Card Policies

38:01 Chase Sapphire Reserve Updates

40:29 US Bank Altitude Reserve Changes

41:06 Amex and Apple Marketing Strategies

42:59 Chase's Future Credit Card Plans

49:02 Hotel Brand Preferences

51:52 Pre-Authorization Tools and Their Importance

01:00:59 The Case for Modular Credit Cards

01:09:39 Final Thoughts and Community Engagement