And if you don't have Premium (or just love audiobooks I'm general, wishlist the item on chirpbooks.com and when it goes on a 30-day sale you'll get notified, where you can then buy it for like 90% off. I love this service and it has changed the way I consume audiobooks. Like audible without the membership.
it's currently US$18.99 down from $20 if you have no Spotify and are unable to wait it out.
Same as synchrony. You could ask the really friendly support on YNAB's chat if they can use the alternative provider (I think it's called MX). That tends to determine if it's going to work I think.
I work in financial services to the CUs and I have at least two credit unions that shorten their names to DCU. What's the first letter stand for?