According to the Consumer Financial Protection Bureau (CFPB), the special interest rate offer from the credit card must remain in effect for six months or more, and you must be notified in advance about what the interest rate will increase to after the offer expires.
Many of the chat portals on the web require users to signup and give your email address in order to use the services.
While it can save you hundreds and even thousands of dollars on air travel, it's a significant time investment to keep track of multiple credit and airline accounts, and finding an open seat requires patience and flexibility.
But if you enjoy a good life hack, love exploring new places, are traveling on a budget, and are the type of person who can remember an online password, you might be ready to enter the world of credit card bonus points and free international travel. If you're a debit card or cash-back kind of person, I get it, because I've been there, too.
Some of the free adult chat services require a credit card, even though they claim it is only for age verification, and you will not be charged, sometimes "during free trial" in small print.
There are some good, totally free chat services that do not require a signup or email address for verification however.
At 23 years old, I used my Bank of America debit card for everything.