Elizabeth Ayoola

So I love declining those credit cards at checkout.

Because Sean's always talking, you know, things about me having many credit cards with fees.

So how many credit cards with fees you got now, Sean?

And I have a real life example.

I will also call out these credit card companies.

for giving us discounts and coupons, I put in quotes, to things that are expensive, more expensive than I would buy in my everyday life.

So I'll give you a real life example.

I'm going to this event called Trap Karaoke.

I get two StubHub credits a year with my Chase card.

So I was like, well, let me start using it, you know?

And I saw on StubHub the ticket for $150, which is the equivalent of the first credit for the year that you get.

On the actual website for the event, do you want to guess how much the ticket was going for?

$85.

So you have to weigh out again, you know, yes, you're getting a restaurant credit or a hotel credit.

But, you know, do you really want to pay that price?

And would you really shop there or stay there anyway?

So I think people should factor that into spending a lot of money to save a little bit of money.

Girl math.

All right.

Also, for anybody out there who wants to learn more about this, NerdWallet does do roundups of low and no annual fee cards for those who used to be like Sean and are not here for the annual fees.