Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation.

This is all happening between three and 12 months after you stopped paying on your debt. So record the conversations and try to get them angry. They use fake names like “Dick Brockman” and they say things like “In five days we have to go to court and seize all of your assets.” Again, in some states this is illegal to say. One thing you always have the right to do: Say, “Show me the proof I owe this money.” Since the collection agencies got your name from a hedge fund that might have bought only part of your debt from another hedge fund, who knows where that original proof is?

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Not for borrowing, of course, but as a means of channeling through your standard spending and collecting significant rewards (for most of us, over $1000 per year).

My travel-hacking, part-time-mechanical-engineering, credit card afficionado friend Brandon Cronan keeps his eye on the changing and competitive credit card landscape and keeps his latest recommendation on the following page, which we host on the “cardratings” website. Money Mustache Credit Card Recommendations now at On that page, you’ll find a list of our favorite credit cards for travel hacking, as well as Brandon’s commentary on strategies.

Usefull for testing e-commerce sites (because they should get past any pre-validation you do, and be declined at the card processor or bank stage).

In testing situations any expiry date within the next 3 years should work Feedback forces me to clarify this: These are NOT valid credit card numbers. They are random numbers that happen to conform to the MOD 10 algorithm.

They are a technical resource for programmers – that’s all.

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