Mark's 690,000 Point App-O-Rama, Gen Z's Credit Card Problem & Muggle vs Wizard Meta Glasses!

Get a $230 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Shawn's InKind referral ($25 off $50) - https://milestomemories.com/go/inkind Mark went on an application spree and the final tally is absurd: 690,000 points across Amex, American, Atmos and Bilt, plus $500 in dining money, against $1,719 in fees, and we break down why the math still works. Along the way, a bank that denied him for nearly a decade finally said yes, and nobody knows why. Then a new LendingTree study has us worried: most Gen Z cardholders pay just the minimum, nearly half of all cardholders do not know their own APR, and a quarter treat their credit card as their emergency fund, so we get into what actually moves your credit score and the class schools should be teaching everyone. Plus the Muggle vs Wizard Meta glasses showdown, how Mark stacked Ray-Ban, a shopping portal and an Amex offer into a much cheaper second pair, and the unclaimed property treasure chest, including the $600 that found its way back to Mark years later. What is your biggest unclaimed property score? Let us know in the comments. Episode Guide: 0:00 Welcome to MTM Travel 0:28 Mark's App-O-Rama: Rakuten & Bank of America 2:12 Double Dipping American & Atmos (and a Barclays Miracle) 4:24 500K From Amex & the Final Haul vs the Fees 7:25 MTM Diamond 8:15 Gen Z & Credit Cards: The LendingTree Numbers 10:26 Does Carrying a Balance Help Your Score? 13:27 The Math Class They Only Taught the Flunking Kids 15:11 Missed Bonuses, Buyer's Remorse & Lost Rewards 17:22 Meta Glasses: Muggle vs Wizard Edition 19:32 Stacking Ray-Ban, Rakuten & Amex Offers 24:46 Unclaimed Property Is a Treasure Chest 27:00 Final Thoughts Links App-o-rama - https://milestomemories.com/my-midway-point-credit-card-applications/ LendingTree survey - https://www.lendingtree.com/credit-cards/study/habits-misconceptions-mistakes/ Claim lost funds - https://milestomemories.com/claim-lost-funds/ 📧 Free newsletter 💳 Join our free Facebook group (16,000+ members) 🏆 Diamond Patreon — bonus shows + Slack community 🥇 Gold Membership ($10/mo) 🎧 Subscribe on Apple Podcasts 📖 Miles to Memories website