Quote above is a condensed explanation of how I stumbled upon Caps on High Fee Cards (How to Get Free SUB) and how to get some other free perks and benefits. I remain grateful to mia for that lesson (and all other lessons).

My point with this post is that contrary to my basic paradigm of just a year or so ago, perhaps as could have been expected, although I still believe that a nice SUB can still “justify” ONE high AF, the thought of “churning” any credit card is now far less distasteful than during the past 20-40 years. The high (no pun intended) of an instant approval and SUB is no longer quite as high, retention calls used to be fun and a little challenging, paying significant fees (e.g. estimated taxes with CC) to meet SUB minimum spends is now more annoying, I now have more points and miles than I can expect to use in my lifetime and I’m only familiar with 1 program (AA) that allowed quick and easy transfer of points or miles after death.

As such, being able to keep a high annual fee card open without paying that high AF while still being able to take advantage of perks and benefits, to me is a very welcome game-changer. My thanks again to all those here who have taught me so much.

(Oh yeah, getting back to teaching and The Wizard of Oz, I recently read the following: “AI Overview: Creating the Iconic Horse of a Different Color: In the 1939 film The Wizard of Oz, the "Horse of a Different Color" drew a carriage with color-changing horses using white horses tinted with safe, flavored gelatin powders (lemon, cherry, grape). The carriage itself was authentic, used by President Abraham Lincoln in 1863, and is now at the Judy Garland Museum.”)