Spending Time Episode 518 (Audio) - The Pet Insurance Has Lapsed (Patreon)

Raymond's back to update us on a few significant life events, plus his spending escapades.  Western Union is back in his life while the Amex AU card play is a constant companion.  He and Benjy discuss the upcoming 4% cash back everywhere US Bank Smartly card while wondering how tolerant it'll be.  They then consider a few elevated new card welcome offers from Amex and Bank of America, churning the Resy offer on the Amex Platinum, and a PayPal Bill Pay wrinkle.  Benjy plows through his recent apporama, sharing somewhat-useful data points along with a single big one.  Raymond shares his recent applications bearing different results. (edited)