Editor’s note: My mail software was daylight savings naive and thus didn’t update yesterday’s delivery time with the time zone change, probably because it was developed by zonies according to reader Jim. You can access yesterday’s post here.

Chains popular with manufactured spenders often have limits on how many times a card can be used in a given time frame, for example, famously Kroger will usually decline a credit card after six swipes in a rolling 24 hours, chain-wide. That obviously means you’re limited in total manufactured spend at Kroger for a specific card, unless of course you aren’t:

  • Apple Pay looks like a different credit card
  • Many bank issuer’s authorized user cards have a different account number

A little creativity can go a long way.

Of course there is such a thing as being too creative.