“URGENT: A bank insider just got FIRED for revealing a loophole that credit card companies have been hiding for 15 YEARS.
Michael Torres worked at one of America’s largest banks for 12 years. He’s seen everything. And what he discovered will make you FURIOUS that nobody told you sooner.
This method is 100% LEGAL. It’s in the fine print. But banks lose MILLIONS when customers figure it out. So they keep it buried in legal documents nobody reads.
Michael used this method to get $12,847 in the last 18 months. And he’s not the only one…
Michael’s story started when he noticed something strange in the bank’s internal reports. Certain customers were getting MASSIVE payouts from credit card rewards – way more than seemed possible.
“”I saw accounts where people were earning $30,000, $40,000, even $70,000 per year in rewards,”” he explained. “”But their spending wasn’t that high. Something didn’t add up.””
He investigated deeper. What he discovered was a coordinated strategy that wealthy people have been using for DECADES. But they keep it secret because if too many people knew, the loophole would close.
It’s called “”reward stacking”” – but not the kind you read about online. This is the ADVANCED version that financial advisors teach their millionaire clients.
And Michael reverse-engineered the entire system…
**THE LOOPHOLE EXPLAINED:**
**SECRET #1: THE SIGN-UP BONUS MULTIPLICATION**
Most people sign up for ONE credit card and use it forever. Rich people? They sign up for 15-20 cards per year, claim all the bonuses ($200-$1,000 each), then cancel before annual fees hit.
“”Banks HATE this,”” Michael revealed. “”But it’s completely legal. The average person can make $8,000-$15,000 annually just from sign-up bonuses.””
The trick? You need to understand the 5/24 rule, business vs personal cards, and optimal timing.
**SECRET #2: THE BUSINESS CARD HACK**
Business credit cards have INSANE bonuses (often 100,000+ points) but most people think you need a real business to qualify.
WRONG.
“”If you sell anything on eBay, Facebook Marketplace, or even have a side hustle making $500/year, you qualify,”” Michael explained. “”Banks approved 90% of applications.””
One guy made $47,000 in rewards last year using only business cards. His “”business””? Selling old textbooks online for $2,000 annually.
**SECRET #3: THE CATEGORY MULTIPLIER GAME**
This is where it gets INSANE. Rich people don’t just use one card for everything. They have 8-12 cards and use specific ones for specific categories to maximize rewards.
Example:
– Card A: 5% back on groceries → Use for ALL grocery purchases
– Card B: 4% back on gas → Use for ALL gas purchases
– Card C: 3x points on travel → Use for ALL travel purchases
– Card D: 6% back on certain retailers → Use strategically
“”The average person uses one card and gets 1.5% back on everything,”” Michael said. “”Smart people use the right cards and get 4-6% back on EVERYTHING. That’s 3-4X more money back.””
On $50,000 annual spending:
– Normal person: $750 back
– Using this method: $2,500-$3,000 back
That’s $1,750-$2,250 FREE MONEY per year just for using the right card.
**SECRET #4: THE POINT TRANSFER TRICK**
Here’s where Michael discovered the REAL money. Credit card points aren’t all equal.
“”A Chase point used for cash back is worth $0.01,”” he explained. “”But that SAME point transferred to certain airline programs? Worth $0.025-$0.04. Sometimes even $0.10.””
Translation: The same 100,000 points could be worth either $1,000 cash… or $4,000-$10,000 in travel.
“”I booked a first-class flight to Tokyo that retails for $14,000 using 110,000 points,”” Michael revealed. “”Those points cost me maybe $2,000 in regular spending. I basically flew first class for 85% off.””
He’s not alone. There’s an entire community doing this. They call it “”travel hacking.””
But banks NEVER tell you about point transfers because they want you to redeem for cash at the lowest value.
**THE STRATEGY THAT GOT MICHAEL FIRED:**
Michael started teaching this to customers. Bank management found out and SHUT IT DOWN immediately.
“”I was told I was ‘costing the bank money’ by educating customers,”” he said. “”They literally told me that my job was to sell products, not help people maximize value.””
He was fired three weeks later. Official reason: “”Performance issues.”” Real reason: He was revealing secrets that cost the bank millions.
But Michael doesn’t regret it. He’s now consulting independently and teaching the full system to anyone who wants to learn.
His clients report earning an average of $9,400 in their first year using his methods. Some have earned over $30,000.
“”The system works,”” Michael insists. “”Banks just don’t want you to know it exists.””
**THE EXACT STEP-BY-STEP SYSTEM:**
**MONTH 1-2:** Open 2-3 premium cards with large bonuses (80,000-100,000 points each). Meet minimum spend requirements using normal expenses + prepaying bills.
**MONTH 3-4:** Open 2-3 business cards. Use business expenses + gift card purchases (you can buy $500 Visa gift cards at stores, deposit them to bank, repeat).
**MONTH 5-6:** Optimize category spending. Move all purchases to highest-reward cards for each category.
**MONTH 7-9:** Learn point transfer values. Never redeem for cash. Always transfer to partners for 2-4X value.
**MONTH 10-12:** Evaluate cards. Cancel ones with annual fees if not worth it. Apply for new ones. Repeat cycle.
“”People think this is complicated,”” Michael said. “”It’s not. Once you understand the system, it takes maybe 2 hours per month to manage. And you’re earning $1,000+ monthly in value.””
**INSIDER WARNINGS:**
**DON’T DO THIS:** Carry a balance. Interest charges will destroy any rewards gained. Only do this if you pay in full monthly.
**DON’T DO THIS:** Miss payments. Your credit score will tank. Set up autopay for at least minimum payment.
**DON’T DO THIS:** Go into debt chasing rewards. Only spend what you were going to spend anyway.
**DO THIS:** Track everything in a spreadsheet. Annual fees, bonus requirements, cancellation dates.
**DO THIS:** Start with 2-3 cards maximum. Master the system before scaling up.
**DO THIS:** Pay attention to your credit score. Strategic applications every 2-3 months won’t hurt it (might even help).
“”I’ve seen people mess this up by getting greedy,”” Michael warned. “”One guy opened 15 cards in a month, couldn’t manage them, missed payments, destroyed his credit. Don’t be that guy.””
**THE RESULTS SPEAK FOR THEMSELVES:**
Michael has now coached over 2,000 people. The average result? $9,400 in rewards/value in the first year.
Success stories:
– Rachel, 34: Earned $14,200 in bonuses, flew business class to Europe 3 times ($21,000 value total)
– James, 42: Paid for his daughter’s wedding using points – saved $18,000
– Maria, 51: Earned enough points for 6 domestic flights per year (family of 4) – $4,800 annually saved
“”This should be taught in schools,”” Rachel said. “”I’ve been leaving money on the table for 15 YEARS.””
Banks are aware this information is spreading. Some are already reducing bonuses and tightening rules. The window might be closing.
“”Do this NOW while it still works,”” Michael urges. “”In 3-5 years, these loopholes might be gone.””
**SHARE THIS** before banks get it taken down! **COMMENT** – how much money have you left on the table? Start using this system TODAY!
**Legal Disclaimer:** This is not financial advice. Manage credit responsibly. Results vary based on credit score and spending patterns.”
