Are your credit cards actually working for you—or just draining your wallet with sky-high annual fees? In this episode, Nick Ewen, Editor-in-Chief of The Points Guy, breaks down everything you need to know about navigating today's increasingly complex credit card landscape. From the eye-popping $895 Amex Platinum annual fee to the smart way to negotiate a downgrade (and score a retention offer), Nick shares insider strategies for getting real value out of your cards.