SPIN Unprocessed October 29, 2026 ai_technology consumer_credit
7 cards at 21—what would you cut or change?
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Context: I am 21, a college student graduating in Fall 28'. My monthly expenses, excluding rent, are around ~$1,100. My expenses are: $500 for groceries, $400 for eating out, $100 for gas, and $100 for miscellaneous. Ideally, I want to keep AF below $200 durng my time in college. My goal is to transition to team travel after college, and the ecosystems I am leaning towards are Chase Trifecta or C1 Duo. Current Setup: (I am 5/24, but will return to 4/24 after this month) Discover IT Student (
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