Anyone Getting Tired of the Credit Card Game?

Its time to scale down, take a break and move on.
🚒 Insta: / jake_mercure
📞Book a call: jakemercure.com/meeting
💳 My Credit Cards 💳
→ Freedom Unlimited: jakemercure.com/ChaseFreedomU...
→ Amex Gold: jakemercure.com/AmexGold
→ Venture X: jakemercure.com/VentureX
→ BILT Mastercard: jakemercure.com/BILTMastercard
→ Amex Platinum: jakemercure.com/AmexPlatinum
→ Sapphire Reserve: jakemercure.com/CSR
→ Chase Ink: jakemercure.com/ChaseInkUnlim...
→ Marriott Bonvoy Boundless: jakemercure.com/Marriott
🏦 My Bank Accounts 🏦
→ Marcus: jakemercure.com/Marcus
→ Sofi: jakemercure.com/Sofi
📷 Filming Setup 📷
→ Camera: amzn.to/3uJp3Qu
→ Lens: amzn.to/49sO5Cm
→ Mic: amzn.to/3wyrMwH
→ Light: amzn.to/3TgXXti
→ Pole: amzn.to/49oEA7f
→ iPhone: amzn.to/3V25Tjl
→ Macbook Pro: amzn.to/48xwOql
🍕 Fun stuff 🍕
→ Rakuten: jakemercure.com/Rakuten
→ Seats.aero: jakemercure.com/SeatsAero
Advertiser Disclosure: Some of the products that appear on this website are from companies from which Jake will earn an affiliate commission or referral bonus. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[@ItsMeCJ]

No worries Jake, you’ll find your path to success on the platform. The good thing is that you tried out the game and noticed early on that it isn’t for you.

[@JazzyMarineVet]

Jake, it was fun while it lasted......just find the next thing..and some of us will follow you on the next journey...

[@Stayc3]

I got into it hardcore for an min and recently realized how much I overspent to hit SUB’s and stack points. I never carried a balance but I still purchased crap I truly didn’t need. I ended up keeping two cards. One for the travel perks/insurances/credits etc and one that has 2x minimum. closed everything else. I already own my home so the dip in my credit score will bounce back. I was happy to just simplify everything again. Good luck with your channel and wherever it will take you. Love your personality so you will entertain on this channel whatever route you may take

[@callmeNeno]

What’s up my dude!!! I am actually burnt out . I have obtained 21 credit cards over the years , but closed 11 and currently 10 open. I won’t be applying for no cards this year gardening and taking a break.

[@newagain9964]

A “break”? Not sure I believe u. Had u said (try to) quit, maybe. Ur break will be 6 mos. Tops.

[@callmeNeno]

@@newagain9964 My last Credit Application was October 2023 have not applied for any cards this year and won't either.

[@mikejames7684]

Keeping track of all these cards is getting annoying

[@Xavier_ID.]

I’m here for it 👍🏼

[@keyKEYadventures]

Refreshing! I’ll be staying subscribed.
I felt the same during 2020. So many cards were adding monthly perks or temporary benefits I did not apply for any new cards

[@szhinkoszhinko5006]

i know what you mean man. i can feel you. goodluck man. i know you are not 100% dropping the game. coz once someone get the hang of it, it is hard not to do it.

[@TechYodaSV]

I’ll tell you how it happened. Are you using any of those apps that automatically activate all of your offers/rewards on your cards? Did you give them your credentials to your Chase account and other accounts so they could get access to do this? They didn’t use Plaid or Fincity did they? Are you seeing where this is going? Also, as a CC CZcamsr, how do you not have your credit reports frozen at all three bureaus already? That hard pull never should have gone through. Go do that immediately!

[@jakemercure]

Had all of them except Experian frozen for a recent Ink application that was denied. Forgot to unfreeze.

[@paulfelkner6749]

@@jakemercure Had a "cash advance" charged to me on my personal Marriott credit card at the Cairo airport last year. - they dropped it right away as I did not do this and never had a cash advance in my life - the trouble was I had to get a new number and change some of the automatic withdraws.

[@steve_rogers_usmc1990]

This is so true, so many leaks in the CC industry and online shopping platforms it is a wonder there isn't more fraud. I recently had an Experian pull for credit I didn't apply for and thankfully Chase stopped the card, and I then froze all my reports.

[@benrehbeck7431]

Ive finished my setup. Aaa visa for groceries, savor one for dining and entertainment, bce for online purchases and gas, quicksilver for everything else. Its not completely optimized, but its all no af and it covers my biggest categories. If i get another one itd be a travel card, but thats in the future and for now im chillin

[@125henni]

Just from the title YES I got tired of it a couple years ago. I simplified my strat and started living life

[@DCGEMINI202]

I got 8 more years of no annual fees till i retire from the military and ill also b done with the game. These cards aren’t worth it.

[@newagain9964]

Churning is annoying. And time consuming to (optimally) redeem. At about almost 12 mos in my 18-24 mo plan and already feeling spent. 😐

[@BruceLeeCredit]

The game never gets tired; only the players....... 2 years in and I haven't even gotten started yet! 🎉🎉🎉 Cheers to the CC gamers who keep the game interesting!

[@ntrlbrnpnoi]

Yeah man, you are right about this. I do feel like maybe it is a tough gig/hobby to maintain. Plus, the whole info being out there is a bit of a concern. I won’t be cancelling my current cards but it does give me some hesitation to applying for others. Thanks for sharing. You are wise beyond your years for being able to adapt to your situation. And yeah keep making videos about whatever. Do your thing, my good man.

[@user-wh1ti5cl2c]

Thanks for the video. I am sixty years old. For thirty five of those years I only had three credit cards. Now I have 17. I have.
No complaints it's worked out pretty good for me so far. Only one more card I want and then I am done applying

[@BobI-jb4rk]

Agreed, time to set the game aside, go outside and have a balls out amazing summer 😎

[@JazzyMarineVet]

⚽⚾🥎🏀🏉 out huh? What do us ladies have to do, to have an amazing summer?

[@isaacludlow4683]

That outro rhyme was fresh my guy

[@jakemercure]

thanks boss, had to cut it there

[@ow5966]

You are right bro me too

[@iamevan1560]

not that far into credit cards and i feel this a bit. like you touched upon before i think the biggest drain is the high annual fee cards that take more to juggle. you get a bigger sign up bonus but way more draining. i still have some zero annual fee cards i want in my rotation but i think my higher annual fees will be more spread

[@geraldalves9107]

Once you take that Emirates first class flight, you're going to change your mind REALL quick 🤣🤣 Flying the A380 is definitely a bucket list of mine. I think what happens to some people in this space is that they get burned out for a while and then when they go on a vacation with an awesome redemption, they are rejuvenated. Similar to a novelist, they go on a writer's block and then they go on a vacation and get reinspired again. That's what I see when it comes to credit cards also. You'll be reinspired one day haha.

[@itsduma]

I am extremely excited as to where you will go in your youtube journey. plenty of credit card peeps out there but your "retention off" (wink wink haha kill me) is your relatable opinions and personality, so as long as that carries over to whatever you post in the future, we're along for the ride

[@johnlittle8267]

I can't give up $6k in rewards per year, almost none of which is from the rewards directly on spending...

[@johnytran1856]

go for the 5-10% rewards gain bro I'm currently using the 10% grocery chase freedom flex for 1 month now still got like maybe 10k$ left you just need to get a card you know will spend like crazy category

[@jacobrowe9226]

i started thinking about the security aspect of having so many cards and that’s why i’ve slowed down

[@AP_808]

I’ve been in the game off and on from about 2010. You get bored of it, returns drop. I picked up the game again in 2017 and again around 2021. It’s great because your credit ages, new product gets rolled out. It’s ok to put it down and come back years later. Like you said interests change, life happens, credit cards will still be here when you get the itch again.

[@kennethbatts5182]

You can kick it with Dave Ramsey!

[@34skyline]

nope, just got my Amex platinum a few weeks ago doing a 175k SUB with $8k spend, Once I'm done with the platinum moving on to ink unlimited, BILT, US Bank Altitude Reserve and many more, When will I get tired of applying for cards don't know

[@ow5966]

You will get burned to bro trust me!

[@LK_EBM]

You'll burn out later, especially when dealing with all the coupons.

[@steve_rogers_usmc1990]

Life is about simplicity. I had over 13 credit cards until about 6 months ago when I just got tired of managing the spend on all of them and yes you DO subconsciously spend especially if there is a sub to meet. Now, I have 6 and looking to close one or two more. All my cards have a purpose and the ones that do not go bye bye. Good luck in your future endeavors!

[@newagain9964]

I have 4 personal (boat load of biz) from the game. 2 are def keepers ,the others Amex green and VX may cancel.

[@SpartanOfFinance]

Jake getting red-pilled. Welcome to the party pal!

[@maxabeywickrema8975]

How does this have anything to do with being red pilled 😂

[@newagain9964]

But ur not red pilled. Ur deeply invested/playing the game. And ur beyond the cc game.

[@KevinGian94]

it’s been so refreshing to see you evolve over time and become woke and escape the credit card matrix. to be honest you’ve opened my eyes up to a lot of the same issues and feelings i’ve felt as a credit card enthusiast. love to keep supporting your channel and see what you have next 😎

[@wilfredpapaya4739]

Just like any hobby people are likely to get burnt out. Wish I joined sooner tbh.

[@newagain9964]

False. A person doesn’t get burned out on their hobbies. Sometimes may do break but u don’t speak ill of it. Unlike cc game

[@De_Guatemala]

Burnout is real. After several years of day trading, in 2021 I went 100% NVDA then started getting a new credit card every month. It's work, but this week I'm playing in the snow in Bariloche, Argentina, and flying from one resort spot to another on points and miles. Might burn out on credit card churning later this year.

[@johnwick860]

if you can still get SUB, then it is still fun!

[@DJSliick]

I'm in the lazy river of the CC game. Just letting it flow.

[@DCGEMINI202]

You’ll b back. 😅

[@Mackk-IX]

it repetitive you only need like 2-3 cards max

[@otakubaka139]

You’re kinda right. I don’t spend more than 400 - 1,000 a month hence my eligibility to meet up to a simple $200 signup bonus but I plan on getting my perfect cash back setup someone also recommended to me on Reddit and then I’ll be done with all my cards ( unless if a card needs a $5 every 6-12 months.. )

[@newagain9964]

I think where Most ppl spend (to make PTS game worthwhile) are large purchases and traveling. If ur not doing much of either don’t even bother with game.

[@luannehorne697]

its not for everyone.

[@Yuuto_ASMR]

nice

[@isaiahlaufenberg]

I haven’t even been in it for nearly as long as y’all have and i’m already tired of it…

[@chefmastermikecmm8465]

Churner life is not for the weak 😂

[@Brianpeckin]

No just the Chase 5/24 is annoying

[@ow5966]

It will change when you start having children and a family bro!!!!!!!!! You want to simply everything

[@ds5651]

Nope. But I have 7 cards and that's all I need