From my side, taking a break when it starts to feel like admin is sensible — it is the single change that made the most difference. I saw a camsoda reddit post about a data leak—is that true? Happy to hear the opposite view — and specifics beat generalities.
My take: the useful platforms let you talk to someone before asking for a card — that is roughly where I landed after a lot of trial and error.
Having tried a few, nobody's experience generalises, including mine — it took me longer than it should have to work that out.