Comment by astura

>Almost everybody writing about credit cards on the Internet receives some sort of spiff if you sign up after clicking through tagged links in their material.

This is something that really can't be said loud enough. The vast majority of credit card content on the Internet is just shilling for referral money. Like almost all of it. There's so much money in this space, and most people have no idea.

That's why Doctor of Credit is the only site I'll ever visit/use - https://www.doctorofcredit.com/were-removing-all-credit-card...

About a decade ago I found some blog about credit card rewards and signed up for their mailing list. The owner of the blog emailed me directly saying how he's going to "guide me through the process" and was pushing me to sign up for certain credit cards for sign up bonuses and wanted to know if I had any questions. He was acting like he was a friend just trying to guide me. I was a little taken aback but replied I was going to spend a large amount of money soon and I wanted to earn a sign up bonus for it and I found a sign up bonus that was comparable to what he was pushing on me from Navy Federal. I asked what he thought of it. He said it was no good and I needed to use the cards he was pushing for XYZ reason, blah,blah,blah. It was so fucking sketchy, I stopped responding, unsubbed from the mailing list, and sent all his emails in the trash. Never visited the blog again.

I didn't realize until later how much money he stood to earn from me using his sign up links and the only thing wrong with Navy Federal offer was it wouldn't earn him anything.

I ended up becoming really familiar with the major credits after that.