This bonus episode features real-life third grade teachers Katie and Nicole from @thepointsteachers teaching us tips and tricks for when to close, downgrade or keep our credit cards open. We talk at length about specific cards (Sapphire Preferred) and banks (Chase & Amex) and cover credit scores, moving credit around, SW companion passes, retention offers & moving credit around. Plus, you won't want to miss all Sam's sad stories from when she used to travel hack without a mentor.