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True, I left those out as I figure its a given. I just don't know why it took so long for it to dawn on me that it would count my subway passes
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May 24, 2019 22:16
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Simpsons Reference posted:True, I left those out as I figure its a given. I just don't know why it took so long for it to dawn on me that it would count my subway passes Some card(s) don't count some/all transit as travel. Depends on how it codes and what the card's policies are. It's nice when it does work, though!
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May 24, 2019 23:24
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Residency Evil posted:I've mainly used my csr points for Hyatt redemptions, although I have a hard time valuing an $800/night hotel when I wouldn't normally splurge like that on vacation. Man, I haven't traveled much on points yet but when I do I always look for almost bottom barrel hotels. Why spend $800 or whatever points a night when you could instead have 4+ more days on vacation at a less nice hotel, especially when you are paying the same for airfare no matter how many days you stay on vacation? Someday I'll splurge on a luxury hotel, but it is very hard for me to see the benefit right now.
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May 25, 2019 05:16
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Something Offal posted:Man, I haven't traveled much on points yet but when I do I always look for almost bottom barrel hotels. Why spend $800 or whatever points a night when you could instead have 4+ more days on vacation at a less nice hotel, especially when you are paying the same for airfare no matter how many days you stay on vacation? Someday I'll splurge on a luxury hotel, but it is very hard for me to see the benefit right now. I'm the same way but am forcing myself to splurge on my Japan trip next year. I'll have a ton of points and I think it's time.
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May 25, 2019 15:08
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Something Offal posted:Man, I haven't traveled much on points yet but when I do I always look for almost bottom barrel hotels. Why spend $800 or whatever points a night when you could instead have 4+ more days on vacation at a less nice hotel, especially when you are paying the same for airfare no matter how many days you stay on vacation? Someday I'll splurge on a luxury hotel, but it is very hard for me to see the benefit right now. Well sometimes the valuations are like, stay at a normal nothing special hotel for 20k points or stay at a 5 star amazing hotel for 30k points. So sure you could stay 3 nights at the 20k for what it costs for 2 nights at the 5 star, but hey why not splurge? Of course when you just need a place to sleep for 5k points that can go a much farther way.
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May 25, 2019 21:43
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Sometimes a little luxury goes a long way when you're an older dude.
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May 25, 2019 21:46
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I find there’s a sweet spot at around 30-35k points in most places. Going down to 20k points is a big drop in comfort, and going up just adds luxury. I would only splurge if it’s the kind of resort where you are gonna be spending 80% of your time there, like all-inclusives in the Dominican Republic and other hotels that are the experience in on itself. If it’s just a clean place with warm water, I aim for about 30k.
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May 25, 2019 22:27
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Something Offal posted:Man, I haven't traveled much on points yet but when I do I always look for almost bottom barrel hotels. Why spend $800 or whatever points a night when you could instead have 4+ more days on vacation at a less nice hotel, especially when you are paying the same for airfare no matter how many days you stay on vacation? Someday I'll splurge on a luxury hotel, but it is very hard for me to see the benefit right now.  Hyatt isn't bad: 30k points for one of their top tier properties seems decent. My wife and I both work a lot and it's tough to take a ton of time off. The points keep piling up so why not splurge every now and then?
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May 26, 2019 02:59
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Something Offal posted:Man, I haven't traveled much on points yet but when I do I always look for almost bottom barrel hotels. Why spend $800 or whatever points a night when you could instead have 4+ more days on vacation at a less nice hotel, especially when you are paying the same for airfare no matter how many days you stay on vacation? Someday I'll splurge on a luxury hotel, but it is very hard for me to see the benefit right now. That's how I feel about first class travel on airplanes, and I've experienced first class. I can't justify spending all those points when I can squeeze more seats in Economy for more travel. But I can see splurging on a hotel if I know that's my vacation. Usually, though, for me a hotel is a place to sleep and shower and that's it.
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May 26, 2019 06:32
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There are some pretty major sweet spots on the award charts for hotels. For example, in an upcoming trip we have nights in centrally located urban hotel for 12,000 Hyatt points a night which would otherwise cost around 450. On the same trip we also have nights for 35,000 Marriott/Bonvoy points that would be $550 normally, plus an additional free night as well cause it’s a 5 night stay. In both of those cases, those places are around the same cost as a 1 or 2 star hotel in much less convenient locations. Might as well have a 4 star on top of a metro stop with free breakfast, booze, appetizers and shuttle to the main station. I am always looking to spread my travel and save points, but it doesn’t have to be an and/or proposition. Especially if you have a ton of points and limited vacation time like some folks have said. And I’ll fly economy for anything under 8ish hours unless there’s a stellar deal. No way am I flying to Asia (with a lap child) in cattlecar when getting one or two more credit cards gets me business class.
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May 26, 2019 08:21
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I'm phasing out the usage of my Bank of America Travel Rewards CC, but I've got about 25,000 rewards points accumulated on it. $250 toward travel would be really nice, but I'd prefer to make my next flight purchase with my CSR because I really like the protection it offers. Would any of you happen to know if buying a gift card through an airline's website (in this case, American Airlines) counts as "travel"? Specifically, for Bank of America?
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May 27, 2019 04:38
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I don't know about gift cards, but almost anything travel related counts for the reimbursement so maybe use it for train tickets or Uber rides or musem tickets.
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May 27, 2019 15:20
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Anyone else getting emails in the past few days about terms changing on their Chase cards? There's a reason... https://twitter.com/slashdot/status/1134251252890497024 quote:JPMorgan Chase is quietly re-introducing a heavy-handed legal maneuver. Today, its Slate credit card customers received an email that the bank was updating its account terms. In the message was a lot of legalese about certain tweaks, and it included one big addition: forced arbitration. According to Chase, the new agreement includes a new section entitled "Binding Arbitration." The section goes as follows: "This arbitration agreement provides that all disputes between you and Chase must be resolved by BINDING ARBITRATION whenever you or we choose to submit or refer a dispute to arbitration. By accepting this arbitration agreement you GIVE UP YOUR RIGHT TO GO TO COURT (except for matters that may be taken to a small claims court). Arbitration will proceed on an INDIVIDUAL BASIS, so class actions and similar proceedings will NOT be available to you."
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May 31, 2019 18:03
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EugeneJ posted:Anyone else getting emails in the past few days about terms changing on their Chase cards? There's a reason... Here's the relevant information from the email about how to opt-out: quote:Can I (the customer) reject this agreement to arbitrate?
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May 31, 2019 21:12
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Can you explain, as one would to an idiot, what that means?
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May 31, 2019 21:27
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Cacafuego posted:Can you explain, as one would to an idiot, what that means? If you have a dispute involving the card, you cannot sue them in court, since acceptance of the terms waives that right. Instead, you must submit your dispute to binding arbitration. The "binding" part means you have to follow what an arbitrator decides. An arbitrator is not a judge. Arbitrators are theoretically unbiased, but since corporations do hundreds or thousands of these and you do only one, outcomes tend to be biased toward corporations. They're also far cheaper to the corporations that actual court cases would be. Additionally, you are prohibited from combining your grievance with others that may have similar grievances, so each has to go through the expense individually, rather than joining together. All in all, it's a significant erosion of consumer rights, which is why it was the subject of a lawsuit a decade ago. I suspect this change will end up in court as well.
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May 31, 2019 21:34
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If you don't opt out of their new terms by mailing a letter, you're agreeing that you basically cannot take them to court if you ever needed to. You'd have to go through what's called arbitration, which usually does not go very well for individuals, and lots of times, the arbitration includes lots of draconian measures meant to silence people.
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May 31, 2019 21:34
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This doesn't apply to CSR cards, right?
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May 31, 2019 21:49
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Residency Evil posted:This doesn't apply to CSR cards, right? It absolutely does. I got the notification a few days ago. This isn't a "premium" versus "non-premium" distinction. If you (and not your personal assistant at the family office) carry a card, then you get the "gently caress you" treatment.
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May 31, 2019 22:13
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Slashdot posted:Most importantly, it means that cardholders cannot come together and levy a class action suit against the bank. This part in particular does not seem legal, and seems specifically targeted at the class action suit that got the arbitration clause dropped the last time. Do they get sued so much that this is worth the inevitable legal hassle?
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May 31, 2019 22:25
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angryrobots posted:This part in particular does not seem legal, and seems specifically targeted at the class action suit that got the arbitration clause dropped the last time. The CFPB is dead, and Trump has been packing the courts. They're betting they win this time, and they're probably right.
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May 31, 2019 22:48
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Even if rejecting the forced arbitration doesn't cause them to immediately close your accounts, I'm still going to cancel all my CHASE cards and switch to someone that doesn't do forced arbitration (currently) like Capital One or something. Right now I'm thinking that good replacements for the CSR and Freedom group is the Capital One Savor and Quicksilver cards (it turns out that I don't spend as much on travel as I used to). Is there a better idea I'm missing among institutions that don't have forced arbitration?
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May 31, 2019 23:56
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vote_no posted:Even if rejecting the forced arbitration doesn't cause them to immediately close your accounts, I'm still going to cancel all my CHASE cards and switch to someone that doesn't do forced arbitration (currently) like Capital One or something. Don't bother; they'll do the same thing.
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Jun 1, 2019 02:33
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vote_no posted:Even if rejecting the forced arbitration doesn't cause them to immediately close your accounts, I'm still going to cancel all my CHASE cards and switch to someone that doesn't do forced arbitration (currently) like Capital One or something. Anyone got a guess as to how likely it would actually be for them to close accounts of people who try to opt out? Mailing a letter isn't that hard; I've got all of the supplies and a mailbox a block from my house, but I hadn't considered if they'd actually retaliate against people who try to opt out.
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Jun 1, 2019 06:02
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pseudorandom posted:Anyone got a guess as to how likely it would actually be for them to close accounts of people who try to opt out? Mailing a letter isn't that hard; I've got all of the supplies and a mailbox a block from my house, but I hadn't considered if they'd actually retaliate against people who try to opt out. They won't.
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Jun 1, 2019 06:27
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Yeah I think I'll send the opt out just to create more paperwork for them. The only Chase card I have is for Amazon. It may be more fruitful to complain to Amazon about this change, especially if a group of card users came together and threatened to leave Prime.
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Jun 1, 2019 14:01
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angryrobots posted:Yeah I think I'll send the opt out just to create more paperwork for them. I only got the email for my non-Amazon Chase card. I haven't checked to see if the Amazon card T&C changed also. I cancelled the other card and told them specifically why, figured that sends a stronger message to Chase vs just opting out. If the Amazon card is under the same terms, I guess it's going away too.
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Jun 1, 2019 19:57
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I got the email for my Amazon rewards card.
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Jun 1, 2019 19:59
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Boo, lame
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Jun 1, 2019 20:08
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Can you get the Amazon card if you only have prime from a grandfathered family plan?
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Jun 1, 2019 20:21
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Tyro posted:I cancelled the other card and told them specifically why, figured that sends a stronger message to Chase vs just opting out. Hahah, you honestly think a reason you gave a call center employee for cancelling your individual consumer credit card has any impact whatsoever?
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Jun 1, 2019 20:30
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Anyone can get the card. Prime subscribers just get more cash back from Amazon purchases
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Jun 1, 2019 20:30
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Something Offal posted:Hahah, you honestly think a reason you gave a call center employee for cancelling your individual consumer credit card has any impact whatsoever? More impact than doing nothing. They wouldn't ask if they weren't tracking the metrics.
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Jun 1, 2019 20:57
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quote:You must do so in writing by stating that you reject this agreement to arbitrate and include your name, account number, address and personal signature
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Jun 2, 2019 02:43
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Has anyone gotten a double cash recently? Mine is expiring soon and I'm wondering if the replacement they will send will have the NFC chip for contactless payment. I find myself using the Quicksilver sometimes since it has the NFC and the double cash doesn't. Missing out on that sweet sweet 0.5% cashback
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Jun 3, 2019 16:15
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The Slack Lagoon posted:Has anyone gotten a double cash recently? Mine is expiring soon and I'm wondering if the replacement they will send will have the NFC chip for contactless payment. I find myself using the Quicksilver sometimes since it has the NFC and the double cash doesn't. Missing out on that sweet sweet 0.5% cashback Pretty sure Citi still only offers contactless on their Costco card for some reason.
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Jun 3, 2019 17:36
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Can anyone point me in the direction of a good, reliable resource on paying off student loans through using a 0% balance transfer APR offer on a credit card? My wife and I are trying to get hers paid off as soon as possible so we can free up funds for other stuff (school, moving, kids, etc.) but I want to make sure I'm not missing some fine detail that will gently caress us over if we pull the trigger on it.
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Jun 3, 2019 21:19
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Mat Cauthon posted:Can anyone point me in the direction of a good, reliable resource on paying off student loans through using a 0% balance transfer APR offer on a credit card? My wife and I are trying to get hers paid off as soon as possible so we can free up funds for other stuff (school, moving, kids, etc.) but I want to make sure I'm not missing some fine detail that will gently caress us over if we pull the trigger on it. As someone who has done this with a portion of mine already, there are several options that provide 0% APR and $0 balance transfer fee. Ideally, that’s what you want. Also, look for one that has the longest amount of 0%APR time. Obviously, you also want a large credit line, so use your combined income when applying and make yourself an authorized user. If they don’t give you a good credit line automatically, call in and ask for more. I assume you each have good credit. I think I chose a Bank of America cash rewards card that offered $0 balance transfer fee and 0% APR for 15 months. We paid off $22,000 in that 15 months. Ensure you either a) pay it off within that promo period, or prior to the time running out b) apply for another bank’s card and transfer the balance to the other card by then. You don’t want to get hit with the interest. The Chase slate used to be the one that offered the longest promo period, but I think Barclays has one and I know BofA has theirs too. Others may be available, but I haven’t checked in a while. Mine were private loans, so I don’t know if you can pay off federal student loans with them.
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Jun 3, 2019 21:31
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Mat Cauthon posted:Can anyone point me in the direction of a good, reliable resource on paying off student loans through using a 0% balance transfer APR offer on a credit card? My wife and I are trying to get hers paid off as soon as possible so we can free up funds for other stuff (school, moving, kids, etc.) but I want to make sure I'm not missing some fine detail that will gently caress us over if we pull the trigger on it. Unless things have changed in the last while, another option is to buy "gift of college" gift cards with a high-earning and/or 0% interest credit card, then use those to pay off the student loan. Make sure to look into whether it's all supported before embarking, of course.
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Jun 3, 2019 22:23
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Anyone using Alliant's Visa? I bank with them, would like to switch over my credit card from Citi, just wondering if the web interface is good, transactions show up quickly etc. Citi's is alright, the only thing that bugs me about it is that I can't pay much over the current balance and I'd like to be able to do that to cover pending stuff.
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Jun 4, 2019 15:41
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