Every Card Issuer's Biggest Flaws

Don't Miss A Thing: 🔔 Elevated Sign-Up Bonus Alerts: https://rdguarantee.link/Bonus-Offer-... ‼️ Transfer Bonus Notifications: https://rdguarantee.link/Transfer-Bon... 💳 All My Favorites: https://rdguarantee.com What I Use: ️‍ 🔥Rakuten Extra Cash Back (Free $30): https://rdguarantee.link/get-rakuten ➔ Why not get paid when doing your normal shopping? 💰 Chase Checking ($300 bonus!): https://rdguarantee.link/Chase-Checki... 🏦 SoFi Checking/Savings ($325 bonus!): https://rdguarantee.link/SoFi-Referral ✏️ My Thoughts: Welcome to The Hater’s Guide to Credit Card Issuers—where no bank is safe and every flaw gets exposed. In this brutally honest video, we break down the biggest problems with major credit card issuers like Chase, Amex, Capital One, Citi, Wells Fargo, and US Bank. Whether it’s overlapping Chase cards, Amex’s coupon-book benefits, or Capital One’s ridiculous denial rates, we’re calling it all out. Inspired by Daniel Braun’s Hater’s Guide to Credit Cards and the original Reddit thread that started it all, this video takes things a step further by roasting the issuers themselves. We’ll explore why Chase’s Freedom and Sapphire lineup makes no sense, why Amex’s Platinum and Gold cards rely too heavily on annoying monthly credits, and why Capital One Venture X approvals are nearly impossible—even with an 800+ credit score. You’ll hear why Wells Fargo’s shady past, Citi’s fraud-lock chaos, and US Bank’s Smartly card nerfs make them some of the most frustrating players in the game. There’s also plenty of commentary on transfer partner weaknesses, bonus eligibility rules, and why even “good” cards like the Amex Gold or Bilt Mastercard have serious downsides. This video is perfect for anyone researching which credit cards to avoid, comparing travel rewards programs, or just looking for an honest laugh about the ridiculous state of the credit card industry in 2025. Whether you're a points enthusiast or just trying to optimize your wallet, this guide offers a fresh perspective you won’t find anywhere else.