r/churning Oct 18 '21

Weekly Off Topic Thread - Week of October 18, 2021 Anything Goes

This is the Weekly Off-Topic thread

There's more to this hobby than just credit cards - it spreads out into travel aspirations, what luggage or wallet you're using, or what flavor kombucha your local WeWork is serving. Please use this thread to talk about all things even tangentially related to churning. Memes, jokes, and off-topic content are allowed (and encouraged) here. Please use our regular threads to ask basic questions, ask questions about what card to get, or talk about MS. But if it's off-topic elsewhere, you're on-topic here.

Regular rules still apply.

Have fun!

Note: Posting and soliciting referrals are still not allowed.

35 Upvotes

3

u/alaskantraveler Oct 22 '21

Was taking a look at the AMEX Macy's wine offer spend $30 get $30 back up to 3 times. Looks like you can get a $15.99 btl of wine then $15 shipping so total is $30.99. If it triggers with the shipping you can get a btl of wine for $0.99. Anyone tried it yet?

1

u/blaterpasture Oct 27 '21

Macys requires a minimum of 3 bottles to checkout.

2

u/alaskantraveler Oct 27 '21

Found that out, but you can use some coupon codes to get 35% off. Was able to get the 3 btl order down to around $42 for 3 btls so $4/btl after the $30 rebate. Looks like the Macy's wine and the wine insiders is run by the same people. same user interface.

7

u/paikra Oct 22 '21

Just had TopCashBack payouts post from 2018 & 2019. Maybe there's reason to hope that the $8.50 that's been pending since 2017 will payout one of these days.

3

u/thekingoftherodeo BOS, MAN Oct 22 '21

I still have one from Century21 sitting in my 'confirmed' bucket.

Think its safe to write that one off at this stage TCB!

3

u/findmepoints Oct 22 '21

quip amex offer...not worth it. take advantage of the phillips 6% offer for a real tooth brush, the sonicare

1

u/payyoutuesday COW, BOY Oct 23 '21

I love my Sonicare -- it makes a huge difference for me. Bought some for the whole family a couple years ago. Looks like they sell a few other things, too (Norelco).

2

u/URGladiator Oct 21 '21

Besides Staples/OD promos, what other merchants run no-fee VGC/MC promotions?

1

u/TNSepta JFK Oct 21 '21

Giant/Stop and Shop often have 3x points back on VGC/MCGC and that more than covers the fee if you shop there since points are worth 1cpp for groceries.

1

u/eminem30982 MMM, BBQ Oct 21 '21

Right now, I don't think that there are other merchants. The Albertsons family of grocery stores used to run similar deals but it looks like they've stopped.

7

u/Dr-Danes Oct 20 '21

Pinehurst Coins is sending out emails that they are cancelling their purchase orders for the backordered Aug 12 US Mint releases if they are not received by Oct 27. The coin was only shipped out by US Mint for me on Monday.

This is despite their written confirmation earlier that they would be starting their 2 week countdown from the time US Mint ships due to the backorder. When I sent them that earlier email, I was told (and I quote):

Written confirmation in AUGUST!!!! It's October 20th.

Looks like a brazen and unprofessional attempt to cut losses on an unprofitable coin on their end. It's a risk when doing coin flipping, of course, but I expected better from an established company like them.

1

u/435880Churnz Oct 26 '21

Pointsmaker is effectively saying the exact same thing. Tomorrow is the last day to get a shipping label and if they haven't shipped cancel it.

Don't like this kind of crap? Don't do mint deals.

3

u/lenin1991 HOT, DOG Oct 21 '21

That's awful. I went with PFS -- and guess I won't consider Pinehurst in the future! My tracking shows best case delivery Saturday 10/23, a shipment put in the stream that afternoon wouldn't even start moving until Monday 10/25. If they were going to renege, they could have at least given notice a few weeks ago so people could cancel their orders.

1

u/findmepoints Oct 20 '21

so who's a fan of the new citi layout...for the first time i'm liking what citi is doing

4

u/Eurynom0s LAX Oct 20 '21

I don't normally do the Staples $200 gift card deal because I have limited liquidation options but wanted to try it today because I need a VGC to test something. I've learned the hard way to go the first day of the promo.

And since I don't normally do this I had my first run in with somebody in front of me also trying his luck on finding some in stock, which was amusing.

2

u/planesurf MIA, HNL Oct 20 '21

Flair check outs... SoCal is a tough one to crack

13

u/trogdor_churninator BRN, NAT Oct 19 '21

The pen in the hotel room is for you to take home. Change my mind.

8

u/thekingoftherodeo BOS, MAN Oct 20 '21

Do people think that its not?

Back when I was traveling for work I'd always gather up the bathroom mini's and donate them to the local homeless shelter when I'd accumulated a bag of them.

1

u/trogdor_churninator BRN, NAT Oct 20 '21

Dunno. Now that they are generally back in the rooms, I'm taking them home. Didn't know if that was customary for everyone or not.

1

u/planesurf MIA, HNL Oct 20 '21

Yup. Use my JW Marriott Rio everyday.

15

u/spiritualplague Oct 19 '21

Only when they start stocking better quality pens.

5

u/Chronic_Anachronism IAM, FAT Oct 19 '21

Conrad and WA have great pens

3

u/chrumbles Oct 19 '21

Ritz Carlton too

4

u/planesurf MIA, HNL Oct 20 '21

Four Seasons have excellent pens.

0

u/Asheska Oct 19 '21

This doesn't really belong in "what card should I get," so posting here. I used to have Chase sapphire reserve and preferred. Got rid of both during covid. Then signed up for preferred again, got 100k bonus. I miss the reserve and want it again bc I like the 1.5 pt travel booking and all the other perks. But the sign up bonus is only for anyone who doesnt already have a sapphire, which I do. Do i just sign up for it and NOT get a bonus? This seems like a huge waste. If I get it, I want to get it asap so I get the $300 travel credit this year AND next. .... I would appreciate any thoughts. Apologies if this is the wrong thread to post.

4

u/URtheoneforme Oct 19 '21

The travel credit is per cardmember year, not calendar year.

You can wait a year and PC your CSP to a CSR.

I think the language for Chase applications doesn't allow you to apply for a Sapphire card if currently hold any version of one.

The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.

E.g. since you currently have a CSP, I don't think you can even apply for the CSR.

-2

u/Asheska Oct 19 '21

Huh. I'll call and ask them. I believe that language applies to the bonus "product" description, but will clarify. Thanks!

2

u/pitterpatterpeat Oct 19 '21

You cannot have more than one Sapphire card at a time unless you MDD (which you can't do anymore since you already have the CSP). They generally also don't allow upgrades until the card account is at least 1 year old.

2

u/Asheska Oct 19 '21

Wow I really screwed this up. Good thing I’m in two player mode and can just use spouse’s CSR to make reservations etc.

11

u/Parts_Unknown- Oct 19 '21

Anyone bought a Marriott mattress? Good quality? We've been talking about buying a new one & the wife just hit 50 nights exactly by opening the Amex Brilliant. The platinum benefit choices are pretty garbage. There's 0% chance of hitting Titanium so the 5 night credits are worthless, everything I read says the SNAs are apparently useless, gifting Silver status is lol. It's either $100 to charity (which I wonder if they actually donate) or the 40% off a Marriott mattress

1

u/reddit_user_2016 Oct 20 '21

I bought a Westin heavenly bed about 10 years ago...was fine but didn't hold up well over time. Started sagging 4-5 years in and by ~ 7 it was putty. I've since gone Ikea with no complaints. People rave about the online retailers (purple, casper) and their guarantees.

3

u/Mantis_Toboggan_PCP BOS, 0/24 Oct 19 '21

I straight up don’t know what to use my Dell credit on. If it’s gonna be canceled before I downgrade my card next week it seems like too much of a hassle.

2

u/DCJoe1 Oct 20 '21

I have had reasonable success monetizing it by buying $130 basic Samsung tablets and reselling them for net $95. I get back $111 from the credit plus the 10% offer, so it's around net $70 in my pocket for a 10 minute trip to the post office and about 20 minutes of work setting up the sale and packing the box.

0

u/BrendanJ45 Oct 20 '21

Xbox gift cards if you want a console or game or want something on Microsoft store.

2

u/kurter21 Oct 19 '21

Software? Used mine on MS Office 2021.

3

u/m16p SFO, SJC Oct 19 '21

New wifi router or range extender? Backup mouse/headphones for when your current ones eventually wear out?

5

u/chrumbles Oct 19 '21

bose headphones/speakers, random home office accessories, printer accessories, monitor, portable power banks, microsoft office, software, etc. lots to choose from.

-4

u/RBD22 Oct 19 '21

Has anyone recently made the switch from Southwest to another airline? We have mainly flown Southwest since our closest airport is one of their focus cities but since our last few flights were delayed (the last delay being 5 hours) + the recent mass cancellations/delays, we're looking to change airlines.

Which airline did you choose and how do you like it?

We can't use Alaska since we have just one flight to SEA and Jetblue doesn't fly here. We have the big 4 domestics and Spirit/Frontier.

1

u/johnny____utah Oct 20 '21

I’m loyal to whoever has a nonstop flight to where I want to go.

17

u/lenin1991 HOT, DOG Oct 19 '21

If I stopped using an airline after a couple bad experiences, I'd have to drive everywhere.

-5

u/RBD22 Oct 19 '21

I get it, I really do, but this has been years in the making for us and it cost us several hundred dollars and hours of time each of the last few times we’ve flown so it’s just time for a change.

I asked to see if anyone had positive experiences elsewhere but it seems the opinion here is that airlines suck and it only makes sense to go with the cheapest option each time.

I’m sorry I asked a rewards subreddit for opinions on travel and rewards. My bad.

2

u/lenin1991 HOT, DOG Oct 19 '21

I don't think cheapest is best: there are times I'll pay more to take United or Southwest instead of Frontier, depending on the difference and criticality of arriving within a day of plan. But every airline has had some days of cascading failures in the last few years, and every airline has subjected me personally to at least one >10 hour delay within the last four years.

2

u/planesurf MIA, HNL Oct 19 '21

I would go with the cheapest.

4

u/Loyal_Quisling 7/24 Oct 18 '21

Anyone have any tips on how to talk to hilton grand vacations? They never pick up and don't respond to emails.

Trying to get a vacation package but wanted to haggle.

5

u/bab1913 Oct 19 '21

The number I’ve used is 844‑902‑2057 and they always pick up

6

u/eminem30982 MMM, BBQ Oct 19 '21

If you call Hilton's regular customer service line for something else, there's a chance that they'll ask you if you want to stay on the line to listen to a "special offer" or whatever they call it, and they'll also give you 5K Hilton points for listening. That might be the only way to get them on the phone if calling them directly doesn't work.

5

u/Jacob0050 Oct 18 '21

Any young people like young to mid 20s here wanna share their stories about solo travel. It's fucking tough finding people to go with me on trips even when I cover hotels so looks like this next summer will be a solo trip maybe but still iffy on it. Anyone got any reasons they didn't like traveling solo?

0

u/jfchops2 MSP Oct 19 '21

What kind of stores are you looking for? I've been to the Netherlands, Japan, and all over the US solo. My preferred quantity of travel is way higher than any of my friends, mainly due to resources, I don't pay for much of it due to churning and they do. So if nobody wants to join on a trip, I just go solo. I'm comfortable alone in any setting - the only real con in my eyes is I'm often hiking or skiing alone which is dangerous if there's nobody else around.

1

u/sam_in_san_fran Oct 19 '21

As far as finding people to travel with, I had success with /r/travelpartners

3

u/jaktf Oct 19 '21

There are pros and cons to traveling solo. When you're solo, you're the only one watching after you, and you don't have someone readily available to share every experience with. You're potentially more vulnerable in general. However, it can be amazing. You set your own schedule and itinerary, you come and go as you please. If something doesn't pan out the way you planned, walking away is an option. If something catches your eye, you don't need to consult a committee to check it out. By being alone, it can get you out of your comfort zone and force you to talk to locals for help or common interests, as well as meet new people along the way. I've gone to festivals with and without friends, and you learn to put in what you seek to get out of it. I've traveled to a few countries solo and had just as much fun as if I traveled with friends/family. I may not travel solo anymore as I have a family, but in having done so in the past, I learned a bit more about myself in a way I wouldn't have otherwise.

3

u/GKinstro Oct 19 '21

I went to Tokyo by myself in December 2019 and absolutely enjoyed it. Being by myself, I could do anything I wanted. If I wanted to go on a nice walk in the park, I could do that. If I wanted to get trashed in a bar crawl, I could go ahead and do that as well. I also signed up for small group tours led by native Japanese that spoke excellent English, and I essentially just hung out with random cool people. A couple tours I signed up for were only just me and the tour guide, so it was basically just like hanging out with someone for the day.

Overall, if there's a place you really want to visit, but your friends/family either aren't interested or can't plan to save their lives, don't let traveling solo stop you. Going on that trip was by far one of the best decisions I ever made in my life.

6

u/RBD22 Oct 19 '21

I haven't solo traveled a ton but I did go to a major music festival solo once. It was daunting at first and setting up when I first got there was difficult by myself but, honestly, the freedom to do whatever you want, whenever you want was worth it. I didn't have to get a whole group of people (or even just another person) to agree to do anything. If I was done with a particular show/act, I could just leave. If I was hungry, I just got food. When I was done for the night, I just went back to the tent and slept.

I learned a lot about myself on that trip and would 100% recommend something like that for everyone at least once in their lives.

1

u/cincheeks FLL Oct 19 '21

i'm 24 and for the most part i have traveled with my gf which is nice because it looks less awkward. but even though i am an introvert, i don't mind traveling alone as long as i have a plan and a rental car. then again most of my travel activities are more solo-oriented, so that helps.

9

u/DCJoe1 Oct 19 '21

Have a friend who did some trips to semi-organized activities like a 6 day all-inclusive "surf camp" in Morocco. Everyone stays at the hotel and has meals together, some activities are shared every day. Good way to travel solo but also meet people in an easy way.

-1

u/planesurf MIA, HNL Oct 19 '21

Good waves there

20

u/IChurnToBurn THS, SUX Oct 19 '21

I'm out of my 20s now, but my philosophy on it is fuck everyone. Go travel, and do it on your own terms. If you feel like being social, book a hostel. If you don't book a hotel. These days I just book hotel room and if I feel like being around people, I make it happen with shows or sporting events or busy bars. And if I don't feel it, I do my own thing and crash by myself. But I travel and that is what is important.

3

u/Memotome Oct 19 '21

I'm an introvert but I enjoyed solo travel in my 20s. You can meet cool people in hostels and go see sights or party with them. If you are traveling for a while you can add in a hotel or airbnb stay here and there to make it a bit more luxurious.

7

u/GiraffeGlove SFO, 3/24 Oct 19 '21

In my 20s i still stayed in hostels for this reason. Always people to drink with and do hikes/tours with. Can still fly J to get there though!

8

u/Loyal_Quisling 7/24 Oct 18 '21

Solo travel is great. I'd recommend looking at meetup groups designed for travelers. I've tried gogaffl and met two cool people.

Just try making friends and chatting up people on your way to your destination. It's how I've made a few friends and traveled with them.

You can also look at dating apps to meet people. I've also had good success meeting women abroad like this.

I remember having to rough it so I could travel with friends when I was younger. I refused to stay at a hostel though. Not my kind of place.

-1

u/Slytherin23 Oct 19 '21

Hostels usually have private rooms too, not just bunk beds.

2

u/Loyal_Quisling 7/24 Oct 19 '21

Never seen one with private bathroom though.

Community bathrooms are gross.

7

u/nxlinc TUS Oct 18 '21

Also not in my 20's but I have found that a walking tour ("free" or booked through AirBnB etc) is a nice way to get to learn a new city and also have a "group" activity that isn't weird showing up solo to. Maybe reading /r/solotravel would also give you more insight.

-2

u/planesurf MIA, HNL Oct 18 '21

Yes this too! My brother took me on one in Toledo and it was one of the highlights of the Spain trip.

1

u/trilogy-09 Oct 19 '21

Well Toledo itself is just magically beautiful

3

u/planesurf MIA, HNL Oct 19 '21

Yes

1

u/churnate Oct 19 '21

Ahhh the mistake by the lake.

-7

u/planesurf MIA, HNL Oct 18 '21 edited Oct 19 '21

I love it man. I'm an introvert so idc about travelling myself and doing my own thing. Most of the time I just hang out at the pool, order room service, work/MS, take pics, etc.

Travelling with my family is fun but it's also annoying AF having to do what they want. Checking out this museum, this site, going on a 8 hour tour, etc... I love them and cherish the time, AND some of the stuff is fun, but I honestly enjoy checking out airports, lounges, and the actual flight just as much as the destination.

Recently my dad was talking to me and was saying how he always flies economy and I fly "first class all the time". I felt kind of bad but then I realized flying home (Hawaii) is crazy expensive and I've never done it in a premium cabin. And for my "first class flights" which for the record are biz and economy, I book super late like a week beforehand, take multiple repositioning flights, and generally fly on itins that he wouldn't enjoy flying.

But dude depending on your travel style and points total, I'm totally down to fly some nice F products next summer.

Edit: why the downvotes?

5

u/jfchops2 MSP Oct 19 '21

Edit: why the downvotes?

I think people downvote you when they see your username at this point bruh

-2

u/planesurf MIA, HNL Oct 19 '21

Lameee

1

u/lenin1991 HOT, DOG Oct 18 '21

I'm not in my 20s anymore, and it kind of conflicts with churning, but I recommend staying at hostels: great way to meet other solo travelers in their 20s.

0

u/planesurf MIA, HNL Oct 18 '21

Hard to beat $20 a night in London.

2

u/Jacob0050 Oct 18 '21

That's my plan. I'll fly in biz to get there 😂 but hostels for sure was my plan once in the ground

14

u/nebulousboy Oct 18 '21

This is my recent positive experience of purchase protection with the CSP. I bought a refurbished phone from eBay which came with a warranty. I bought some other items using PayPal and CSP in the same order. Within a few days, it fell off my hand, and the screen was cracked.

I went to a uBreakIFix store and took a quotation in receipt. They added the IMEI of the phone to the receipt, and I took an image of the receipt along with the phone showing the IMEI number on the display of the phone. I submitted the quotation, invoice from PayPal, and eBay, and the transaction statement from Chase. I claimed the amount I paid for the phone only, not the amount that equals the whole order. It took about 7 business days to get it approved without any further communication.

2

u/Flayum LGA, HVN Oct 18 '21

I had a Xmas Eve flight cancellation, so American is giving me free reign to reschedule (economy). No plans that day, so plenty of time to play around at the Centurions. Would you rather do:

  1. 3pm JFK-MIA-MCO (+6k AA points)
  2. 11am LGA-CLT-MCO

#1 gives 3hr at JFK and 2hr at MIA lounges and the domestic widebody experience, but #2 gives 3hr at LGA and 3hr at the CLT lounge which I'm unlikely to visit again. Have only been to LGA and MIA, so excited to explore new spots. Not sure if AmEx does anything special during holidays, either.

4

u/IChurnToBurn THS, SUX Oct 19 '21

I'm sure you are aware, but you'll need to go through security twice if you choose JFK and fly AA.

2

u/Flayum LGA, HVN Oct 19 '21

Yeah, it unfortunately cuts ~1hr off. AA @ T8 doesn't even have clear, so it's an even bigger bummer.

1

u/planesurf MIA, HNL Oct 18 '21

Are you flying in J or F? If so, do the JFK and MIA one.

If not, pass on the wide body and fly LGA and CLT

1

u/Flayum LGA, HVN Oct 18 '21

Nope, sadly just in Y. Was going to use a preferred seat coupon from the AAversary to grab the row without a middle seat though which P2 loves. Wish I could upgrade to J/F!

3

u/planesurf MIA, HNL Oct 18 '21

I've heard of some cheap DPs on upgrades on those 777 flights. IIRC $150 to J from Y.

1

u/Flayum LGA, HVN Oct 19 '21

Seems like a longshot on an Xmas eve flight, especially with no status to speak of. But I'll keep my fingers crossed.

2

u/thekingoftherodeo BOS, MAN Oct 18 '21

JFK > CLT & LGA imo, so I'd take the JFK routing.

The Speakeasy & Equinox are real differentiators there imo.

5

u/planesurf MIA, HNL Oct 18 '21

The Speakeasy & Equinox are real differentiators there imo.

You forgot to mention the lounge attendants (politely) escorting u/planesurf out of the lounge too. One of a kind, limited edition!

-1

u/Flayum LGA, HVN Oct 19 '21

I'll be sure to ask the bartender for "the planesurf" special. Maybe the recipe for that will be a topic for next week's off-topic thread.

0

u/planesurf MIA, HNL Oct 19 '21

Love it!

1

u/Flayum LGA, HVN Oct 18 '21

Thanks! That was my default, but I have a few chances to visit JFK and none to see CLT, so my curiosity pushed me to that route.

Been to LGA few times and MIA once, so those factor less.

2

u/thekingoftherodeo BOS, MAN Oct 19 '21

Honestly CLT is probably my least favorite in the network on the east coast (I think SEA shades it on an overall basis).

I don't care for many of the cocktails on the menu (which is what saves PHL for me) and the food outside of breakfast isn't great.

JFK on the other hand I would go out of my way to connect in for the Centurion.

0

u/TheSultan1 EWR, FTW Oct 18 '21

What exactly is that Equinox? I saw the sign but didn't wanna walk in like the clueless pleb that I am.

2

u/thekingoftherodeo BOS, MAN Oct 19 '21

Massages/therapy plus self guided stretching and (I think) workouts with the app they're pushing.

To be fair, I've only been in there once to use their massage/acoustic chair thing, but based on that experience I would recommend.

1

u/De11kbn Oct 18 '21

Anyone been to the F1 Miami Grand Prix? Thinking about going in May 2022 as my 12 year old is interested. I was wondering - are grand stand seating covered? Just worries about weather and rain.. would greatly appreciate any other suggestions as well please!

1

u/Isavethings DTW Oct 19 '21

I'm going to the race, but tickets aren't on sale yet. Just a thought, but you could also check out the Canadian GP in June in Montreal. Went a couple years ago and it was awesome.

They haven't raced in Miami yet, but I know the city well. It'll be held in Miami Gardens which is pretty far from Miami or Miami Beach. Plus, you'd need a car. In Montreal, the race is in the city with public transport making it super easy to get around. Plus, the city really embraces the event. Just putting that out there.

1

u/chowfuntime ASL Oct 19 '21

Most hotels are already sold out or blocked off.

1

u/De11kbn Oct 19 '21

I found several Hilton properties in Fort Lauderdale area with availability. Rooms are big at Hilton Fort Lauderdale if you have a family.

1

u/chicago_churner 49/24 Oct 18 '21

Are tickets now available? Planning on going for a race next year

1

u/De11kbn Oct 19 '21

Presale starts 10/26

1

u/De11kbn Oct 18 '21

Should be on sale in the next 2 weeks .. just don't understand the stands .. want to make sure I get something covered. Generally for these things it seems like Hospitality tickets are a fortune.

7

u/ogdawg5 Oct 18 '21

I believe 2022 is the first year

1

u/mataushas Oct 18 '21

Has anyone traveled directly from EWR to Hawaii recently? I'm curious if I need to give myself extra time(and how much) to get pre-screened at United so I don't have to do any covid documentation in Hawaii? I've filled out Clear and Hawaii Travel Safe forms for vaccination exemption for quarantine. We're not checking bags and I would normally show up 1.5 hours before my flight.

1

u/SomeTomorrow Oct 19 '21

I travelled in May, pre-screen takes less than 5 mins.

But give plenty of time for security check, the lines were crazy back then for early Saturday. The answer below pretty much answers your question.

2

u/tkon13 Oct 19 '21

Not EWR, but LAX. Went from LAX to Honolulu on Delta, the family had United in September. Both airlines, had pre-screening at the gate for HI Safe Travel before boarding. Upon landing, the HI airport also had screening.

Remember to complete the Safe Travels health questionnaire ~24 hours before your flight. A lot of people forgot to do that. Also, just bring your vaccine card. Some businesses don't accept the digital QR code with clear.

1

u/mataushas Oct 19 '21

Did picture of the vaccine card not work? I'll bring the card just in case .

1

u/tkon13 Oct 19 '21

At the gate they asked for the card itself.

It was a hodge podge with the businesses. YMMV.

-2

u/planesurf MIA, HNL Oct 18 '21

I have nothing to say except safe travels and I hope you enjoy Hawaii.

2

u/TheGreatCollie SFO, SJC Oct 18 '21

I did the pre-screening from SFO for Hawaii. Due to traffic I arrived 50 minutes before my flight and still got pre-screened and was able to board in Group 1. Did not check any bags either. Not sure on the efficiency of EWR but the pre-screen pop-ups should be near the Hawaii departure gates (as I was told).

2

u/sexy_kitten7 PWM Oct 20 '21

Just curious how did you get Group 1?

2

u/TheGreatCollie SFO, SJC Oct 21 '21

Sorry I should've clarified, but I get G1 boarding with Premier Gold status.

1

u/sexy_kitten7 PWM Oct 21 '21

Ok thanks! Was wondering if you paid for an upgrade or first!

2

u/Xoos3333 Oct 18 '21

Pre-screen is by the gate, so you were screened before you took off as well as when you landed in Hawaii?

2

u/TheGreatCollie SFO, SJC Oct 18 '21

Only before take-off. It was near the gate I departed from. Once they give you the wristband, you keep it on and at HNL an employee just waves you through if you have said wristband. They do not check any additional documents at HNL.

1

u/Xoos3333 Oct 18 '21

This is super helpful, thanks! Going to OGG in December.

1

u/mataushas Oct 18 '21

Ohh the pre screen was by the game ? That would be nice .

6

u/nxlinc TUS Oct 18 '21

I had the Ax offer for $125 off $300 on DL. I bought gift cards, and they posted along with a refund for the GC the same day. The AO credit posted today.

Anyone have experience with DL immediately refunding a GC purchase? If I rebuy can I keep the credit or will it be clawed back regardless? I don't want to get stuck with new GCs and no credit.

36

u/iateacat EWR, ATS Oct 18 '21 Wholesome

2

u/kevlarlover DAA, ANG Oct 20 '21

It's even worse here - AutoMod will immediately delete your post, and if you ask a question in the wrong thread, -50 karma for you.

It brings tears of joy to my eyes ....

4

u/blue9yun Oct 18 '21 edited Oct 18 '21

Ha! Adds one downvote for good measure. /s

14

u/DCJoe1 Oct 18 '21 edited Oct 18 '21

Not sure if this is worthy for the Daily Discussion thread, but aspects veer into Off-Topic. I haven't seen much discussion of the Morgan Stanley Access Investing/CashPlus/Amex Plat setup on this subreddit. Summary:

https://frequentmiler.com/morgan-stanley-platinum-card-fee-free-how-to-earn-the-550-annual-engagement-bonus/

For me this made sense as my "landing spot" for ongoing Plat benefits after running through all the other flavors' bonuses over the years. Figure it makes sense for some of us more...seasoned... churners who might not have a lot of Amex options left, and have significant sized emergency funds. Requires $30k held at Morgan Stanley ($5k+ invested in the market, can be pretty conversative with mostly bond funds, other $25k+ in the CashPlus account), and cycling $5k/month into the account (that part is pretty easy to automate). Since the money would be accessible within 2-3 days to your primary bank accounts, I think it's perfectly fine to hold some/most of your emergency cash there and let Morgan Stanley cover your annual fee for an Amex Plat and a free authorized user- after the first year when you have to pay the $695 fee, but of course get the 100k MR bonus.

Any others who have gone down the Morgan Stanley route, or considering it? Could also replace Schwab as a way to get completely fee-free ATM withdrawals all over the world.

3

u/MCDC12 Oct 19 '21

Read up on FT and SD. Everyone with an Access Account has been denied the 1st year $695 engagement bonus. Terms changed in July linked Access Access account no longer qualifies for 1st year engagement bonus.

2

u/DCJoe1 Oct 19 '21

Yes, understood, that's easily covered by 2021 credits and the 100k SUB.

3

u/MCDC12 Oct 19 '21

Cool, yeah it's not a bad deal even without. My friend opened an AAA instead of Access which is supposed to qualify for 1st year bonus, but comes with $175 annual fee. Will post DP if 1st year engagement bonus posts.

6

u/wiivile JFK, EWR Oct 18 '21

$25k parked uninvested/without any interest doesn’t seem appealing to me. i know interest rates are low now, but they weren’t/aren’t always low. who keeps $25k parked in an interest free account anyway?

3

u/DCJoe1 Oct 18 '21

It does pay out extremely low interest- 0.01% right now. At current rates Ally would be $125/year for that interest. That's my personal comparison- this is money I want truly liquid as part of emergency funds. Since 2015 Ally was only above 1% for about 2 years.

11

u/GodLovesFrags OAK, TRE Oct 18 '21

I think the other appeal is the free AU will have lounge access, making it easier to travel with your partner and get lounge access for both after the guest policy changes.

4

u/DCJoe1 Oct 18 '21

Yes, that was a big reason to set this up now, good point. Still doesn't help for those with a spouse and kids, though, unless the kids are 13+ and you feel like it's worth it spend $175 to add additional AU's.

1

u/OnTheUtilityOfPants Oct 18 '21

But still immensely helpful to let both parents take a 30 minute turn in the lounge without any kids.

3

u/Memotome Oct 18 '21

I have one kid. Honestly, I'll just pay the $25 bucks for those times we go in. Cheaper than buying shit food for all of us at the airport.

2

u/DCJoe1 Oct 18 '21

$30 I think will be the cost for kids after Feb 1, 2023.

1

u/Memotome Oct 18 '21

Yes looks like you are right.

3

u/DCJoe1 Oct 18 '21

Yup, and also having both parents with Priority Pass plus 2 guests means all 4 can get into Priority Pass lounges. Not the case with one cardholder.

5

u/TheJohnWickening Oct 18 '21 edited Oct 18 '21

Since Dell allows you to split up to 3x payment cards, and Amex Biz Plat gets $200/6 months now, some more lucrative purchases have opened up ($200-600 off a purchase). Anyone got multiple cards they’re looking to make a bigger purchase on now? What are you getting?

-2

u/planesurf MIA, HNL Oct 18 '21

Yup. Split payment and Biz Plat makes it easy for BGs.

5

u/stillwaters23 LAX, SFO Oct 18 '21

Dell has had this split payment feature on their site forever... and it really increases the value of the biz plat dell credit for those (many) of us with multiples. If you need something like a laptop, $600 makes a considerable dent.

2

u/TheJohnWickening Oct 18 '21

Yup, I knew that they had it a while, but with the increase to $200 in credit, $600 vs $300 is pretty hefty. Just wanted to start a discussion to see if anyone had their eyes on something that they wouldn’t have bought with only $100-300 in credits vs now the potential of double.

6

u/stillwaters23 LAX, SFO Oct 18 '21

I'm still going for Xbox GC's. From previous credits I bought my kids the lower-end Surface Go laptops, and they are really nice machines. As long as I can keep the orders from getting cancelled, come January I'll have a pretty large amount in there to buy whatever Surface I want.

2

u/ccuser011 Oct 19 '21

MS account balance from GC tops at $800.

I was hoping to get $3500 AR glasses but had to pony up most of it from pocket.

1

u/stillwaters23 LAX, SFO Oct 19 '21

Well shit. Could’ve sworn I was above that at one point but maybe not.

4

u/blackfishfilet Oct 20 '21

He's wrong--its 1k max

1

u/TheJohnWickening Oct 18 '21

I bought the Surface Laptop 3 last year to have a windows machine (we have apple stuff). It’s a pretty good laptop for doing light to medium use things.

1

u/Citizen51 Oct 18 '21

Did the $200/6 months just kick in? I saw that it was rumored but missed that it was implemented. Curious if I missed $100 on June.

3

u/TheJohnWickening Oct 18 '21

It shows on everyone’s card that it’s now $200. No DPs yet of an additional $100 posting, but that’s the assumption based on the new terms.

I had already used my $100 as well, so I just bought $100 more of XB GC

3

u/Lurkolantern Oct 18 '21

Please post when you see the additional $100 credit on your account

2

u/TheJohnWickening Oct 20 '21

Second $100 Dell credit posted. First purchase was in July, this one was 4 days ago.

2

u/Lurkolantern Oct 20 '21

Thank you! I'll jump on that now - I appreciate the DP

5

u/creativey Oct 18 '21

Not OP but I just got a credit of over $100 for my Dell purchase made prior to the announcement of the enhanced credit.

1

u/Citizen51 Oct 18 '21 edited Oct 18 '21

But that was recent like since July, right? Edit: Nevermind it was last week. No lost money, but does change if I'm going to keep it

1

u/TheJohnWickening Oct 18 '21

Increase in AF, but I think Biz Plat might be held on past the first year more often now. I’ll probably hold onto mine now as long as I get some sort of retention offer

1

u/Citizen51 Oct 18 '21

My AF just posted but I got a retention last year so I doubt I'll get another one. But I'll have to do the math. Keeping it this year might make more sense since I'll have the lower AF this year.

3

u/POINTSmetotheMILES Oct 18 '21

What are we buying?

1

u/TheJohnWickening Oct 18 '21 edited Oct 18 '21

Yup sorry that’s what I was getting at. I’m not sure what I want to do with it yet

9

u/Very_Sadly_True PIE, BOI Oct 18 '21

Tried to use Walmart.com with the Amex Plat membership benefit and man is that site hard to navigate.

Running into issues where with certain items in my cart:

1) Can't be shipped to my address

2) But can be "delivered" from a local store

3) Which then excludes other items that are pickup only

4) Yet these pickup only items when in the cart alone can be shipped

I don't get it ¯_(ツ)_/¯

1

u/notsofedexy Oct 18 '21 edited Oct 18 '21

I'm a few miles outside their store delivery area. Anything I add to the cart that has the W+ sign by it defaults to pickup at the closest store when added to the cart. People inside delivery areas can toggle to shipping in their cart from delivery. But if you do not have delivery as an option because you are too far from a local store, you get locked out of shipping altogether for most small items because the web design only allows you to set shipping from the delivery tab of the cart now. No delivery option means no shipping option. Walmart plus is fucking worthless to me since I only have the option of instore pickup and I honestly cannot tell if this design is intentional to prevent shipping of low dollar items or just shitty design work.

2

u/notsofedexy Oct 18 '21

A handful of countries are requiring COVID insurance for entry to cover medical and evacuation costs if you are hospitalized with COVID while visiting. I've started looking into the insurance companies individual plans for an upcoming trip the the Caribbean, but has anyone successfully found and used coverage provided by a credit card?

3

u/Hippo387 Oct 18 '21

Yes, I used trawick for Costa Rica. Super easy and cheap to buy online.

5

u/daloman Oct 18 '21

Not the answer to your question but maybe helpful. I found that insurance from a Thai company cost about $200 compared to a US company for $1500. Just want to have the mandatory coverage for a visa.

1

u/lotso-bear Oct 18 '21

Should look at annual travel policies too, those can be very reasonably priced if you do a few trips every year.

3

u/lenin1991 HOT, DOG Oct 18 '21

US company for $1500

That seems like a crazy price for insurance unless the trip is like a 3-month, RTW cruise.

2

u/daloman Oct 18 '21

That quote was for 90 days in Thailand. Dreaming about RTW also but it has to be flying.

-1

u/[deleted] Oct 18 '21

[deleted]

2

u/churnandlurk DOY, ERS Oct 18 '21

Depends on the card/bank. General recommendation is to wait a year from opening (then downgrade or cancel if the benefits in the second year aren't worth the AF). Especially Amex because they will clawback your SUB.

2

u/tflordmalakt Oct 18 '21

Just as an FYI, cards stay on your CR and contribute to your AAoA for 7 years after closing, so closing cards does not help out your AAoA.

6

u/the_fit_hit_the_shan DEN, ESB Oct 18 '21

Actually ten years for most FICO models.

1

u/viajegancho Oct 18 '21

Thanks, I didn't know that

3

u/kingruiz2 Oct 18 '21

But you can downgrade them so you're not paying the annual fees

-25

u/planesurf MIA, HNL Oct 18 '21

“My passion to be curious is greater than my fear of all of your judgment” - Gary Vee

6

u/[deleted] Oct 18 '21

[deleted]

-2

u/planesurf MIA, HNL Oct 18 '21

No I actually seen it on IG this morning and thought it was fitting lol

6

u/[deleted] Oct 18 '21 edited Nov 16 '21

[deleted]

1

u/planesurf MIA, HNL Oct 18 '21

If the shoe fits, lace that MF up

0

u/veggiepoints Oct 18 '21

With so many dell credits, anyone have any suggestions for a router or mesh system to buy from Dell or Microsoft? Or any suggestions on a router in general even if not sold there? (Its hard to tell, but it seems a lot of dells models are a few years old, I'm not sure how much that matters though).

Looking for something that can handle streaming and zoom calls throughout a townhouse. Won't be doing anything advanced. Thanks!

3

u/Tsarinax JFK, BDL Oct 18 '21

I’ve been happy with the google nest mesh system.

10

u/Bubbleybubble LAX Oct 18 '21

Whatever you buy you should buy it now. Last year Dell was a shit show by December due to shortage issues and it fucked over a lot of people trying to use their Dell credit at the last moment. This year there will be more shortages due to the shipping container fiasco.

3

u/Derthsidious Oct 18 '21

Ubiquity. Avoid the prosumer stuff. Get the small business or professional stuff.

This is a few years old but it makes the point that most router reviews aren't taking into consideration that you might have a few streams running at once. At that point most consumers or pro sumer products fold https://youtu.be/a76mjIg8cZ0

2

u/Xoos3333 Oct 18 '21

Orbi system is pretty much undefeated and is sold on Dell last time I looked.

5

u/stillwaters23 LAX, SFO Oct 18 '21

I have an Orbi. Works pretty well, except one of my satellites just died after 18 months. Waiting on the Amex extended warranty to process. I had it plugged in right next to a garage door opener to cover exterior cameras, and I think the radio interference from the opener may have had something to do with it. Before it died, the range of our garage remotes got shorter and shorter until they didn't even work at all. Unplugging the Orbit satellite fixed that, and now the sat won't power on at all. So there's an edge case to avoid fwiw.

2

u/Xoos3333 Oct 18 '21

Funny as we also have our 2nd satellite plugged into the outlet closest to the garage, so the peloton app (we don't have that bike of course) doesn't buffer at all. Truly first world bullshit.

5

u/GodLovesFrags OAK, TRE Oct 18 '21

I’ve had good experience with TP-Link, eero, and now have Asus ZenFi AC. If you can have wired backhaul between the two mesh devices, it eliminates nearly all the issues. If you can’t, then keep them clustered together like 1 floor apart or two rooms away rather than on opposite ends like you can with wired backhaul.

1

u/JPWRana Oct 19 '21

Wired backhaul?

3

u/GodLovesFrags OAK, TRE Oct 19 '21

It’s connecting the wifi points with an Ethernet cable

1

u/krivad Oct 18 '21

For National Car rentals, at the time of reservation, it gives me two options for method of payment, my CSR that I linked to get executive status and "pay at counter". Is this a prepay vs. pay later thing? If I leave it as my CSR will they actually just charge my account immediately? Is the cancellation policy different? The T&C and rental terms are not super helpful.

Hertz asks you for CC info even when doing a "pay later" reservation and has a very obvious cancellation policy when you pick a "pay now" rate, so just worried I'm missing something.

1

u/xfortune Oct 18 '21

You do not get charged. Just reserve the executive aisle and bring the card with you.

3

u/shinebock IAH, HOU Oct 18 '21

Hertz asks you for CC info even when doing a "pay later" reservation

Every rental car company I've ever used requires a CC to secure the booking, regardless of when you pay. Pay later, pay at the counter, etc. it's all interchangeable for pay at the time of pickup.

1

u/krivad Oct 18 '21

On national if you pick “pay at counter” then I don’t have to enter any CC info. It’s just not super clear if I put my CSR as payment method instead of pay at counter that I would get charged immediately or not or if the cancellation policy is different. Nationals T&C do talk about prepaid reservations but I’ve never seen the word “prepaid” when making a reservation so just curious if this is the prepaid option

7

u/GodLovesFrags OAK, TRE Oct 18 '21

You have the status no matter how you pay. The Daily Churn has a great episode on National status and how to use the cancellation policy to get the car you really want. Also - I got Executive Elite by status matching my Marriott Gold. It’s a small bump but easy to do.

1

u/krivad Oct 18 '21

Thanks for the info. Does it matter for cancellations if I have my payment method as my CSR or set it as “pay at counter”? If I select my CSR is it technically prepaid and charged immediately?

2

u/GodLovesFrags OAK, TRE Oct 18 '21

I booked a National rental for November, and I think I selected to pay at the counter. They'll probably put a hold on my card when I get the car then actually post the charge when I return it so they can factor in fuel/exact days used, etc. I like the pay at the counter option for flexibility and so I don't have to float a $1500 car rental charge for a few months unnecessarily.

1

u/krivad Oct 18 '21

OK great, that's what I was curious about. Sounds like if you just select a credit card as your payment option, they charge you now vs. at check in. thanks!!

2

u/GoBears16 Oct 18 '21

Also note their cancellation policy for anything that isn’t prepaid is that there is no policy. Just cancel before the time of your pickup and you won’t be charged.

I did this when I went to Hawaii back in July. Used National as a backup plan in case they were still having a car shortage. Booked 2 months before my trip and canceled 30 min before the pickup time when P2s family who arrived before us confirmed they got their car. Chose “Pay at Counter” option when I first made the res. and canceled online under “my reservations” once we landed. I even checked prior to the trip with National corporate and they confirmed no fees for canceling anytime before pickup. I had the same questions as you and their T&Cs don’t mention cancellation policy anywhere.

1

u/davistp Oct 18 '21

Free cancellations is why the rental car reservation system is broken. I worked for Enterprise and leisure rental reservations would cancel half the time. Cue Seinfeld with "you're good at taking the reservation, but you're not good at holding the reservation....." but the truth is if they held cars for every reservation 40% of their fleet would be sitting in a parking lot. I book multiple reservations every trip in case one company doesn't have enough cars, so I play the game as well.

8

u/Broken_Peepers RUM, HAM Oct 18 '21

Not sure how off topic this is, as it still relates to churning. What kind of information do some of you track in spreadsheets for credit cards and bank accounts? I'm going to try to create one soon, and was looking for some ideas of what info is important and relevant.

1

u/Broken_Peepers RUM, HAM Oct 19 '21

A lot of great responses. Thank you, all. This will be very helpful.

1

u/Eurynom0s LAX Oct 18 '21

5/24 so I don't have to look at my credit report each time I need to figure that out

When I took a retention offer/when it's safe to close a card I took a retention offer on.

Application/opened dates (so I know when it's safe to cancel/downgrade).

AA cards and when I got them for the time restriction rules.

I'm going to start tracking when I close checking/savings accounts for purposes of being eligible for another bonus on the same type of account.

2

u/planesurf MIA, HNL Oct 18 '21

Name, date, SUB, referral I got it from, CL, AF, benefits, etc.

23

u/Parts_Unknown- Oct 18 '21

None, live dangerously.

16

u/azchurner Oct 18 '21 edited Oct 18 '21

I have been using the one u/garettg made for two years now. He has done a lot of the work for you already: https://docs.google.com/spreadsheets/d/1a4LMPBw9pQQuo89mZd3Ydo3TEcCzCK6rzYsaxuWIQ9c/copy

2

u/paikra Oct 19 '21

Not the OP, but this is awesome! Thanks

0

u/optionsgrinder Oct 18 '21

I enabled two factor authentication for my Google account, then created a Google Sheet containing the below. I usually keep open on average 10-15 bank accounts and 20-30 cards so it's more feasible to have all the relevant information on hand when chatting with customer service.

Bank Accounts:

Bank

Opening Product

Current Product

Account Type

Routing Number

Account Number

Debit Card Last 4

Debit Card No.

CVV2

CID

Exp.

Name on Card

Balance

Monthly Fee

Monthly Fee Waiver

Last Date Updated

Open Date

Close Date

Conversion Date

Opening Promotion

Notes

Mailing Address

Credit Cards:

Creditor

Opening Product

Current Product

Account Type

CC Last 4

CC No.

CVV2

CID

Exp.

Name on Card

Balance

Credit Limit

Annual Fee

Last Date Updated

Last Activity Date

Open Date

Close Date

Conversion Date

Opening Promotion

Authorized Users

Autopay

Autopay Amount

Notes

Mailing Address

2

u/Broken_Peepers RUM, HAM Oct 22 '21

This is good. Not too much, not too little. Thank you

6

u/JPWRana Oct 19 '21

You have TONS of columns

-1

u/optionsgrinder Oct 19 '21

Bank accounts and Credit cards are separate sheets. But yes, lots of (necessary) columns.

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