I love credit cards so much! v2.0 (see first page for add'l details)

[disneymagicgirl]

I am going to respectfully disagree in this instance. The OP intentionally gamed the system, making a reservation, prepaying and then canceling for the apparent intended purpose of making $250 off of Amex. Clearly he's not alone. We complain about AFs but then condone this behavior? Amex is a business and has shareholders-will anyone be surprised if the Aspire loses benefits or the AF goes up with the multiple articles about how it's such a great deal as well as posts on online blogs/discussion forums about how to game the credits?

While I don't agree with their clawing back MRs off of self referral since that was in the gray zone, I do acknowledge that it's their rules. To me, trying to make $250 off of them is a little different. Then with the many people posting about it, is it any real surprise this is happening? They want customers who actually use their product. I'm not sure that's drama, I think it's reasonable.

Again, not wanting to be disrespectful, but I kind of understand. Amex has made it clear they don't want MSers, gamers, churners. This is just one more statement they're making.

It is just their overall attitude. You can be approved and not get the bonus because they decide they don't like something you did. Look at how many people just here have had to fight for their bonuses. I've never done most (any?) of these gray area things that keep getting clawed back personally, but I do think they could easily have their system set up to not credit for the resort credit when it was for a hotel charge, like it is now for airline gift cards. I'm not an IT person, but I doubt it would be very difficult. Instead, they allow things to get through and then claw them back randomly after any period of time that they'd like. It is dramatic to me. I'm pretty mellow and just avoid all this kind of stuff in general. I think their card line up stinks for my personal travel needs, at least for now, so I am happy to just use them for their offers and keep on trucking.

 

[disneymagicgirl]

Cashing out to Schwab the 2,858 is worth a bit over $35. And the 11,429 is worth $143.73.

That requires another card with a hefty fee. I know it can be justified, I'm just not really wanting any more amex unless they come out with something I can't live without.

 

[disneymagicgirl]

Got an email for an Apple Pay offer at BJs. $5 off $50. Is it worth doing a $50 and $25 Disney GC to save a total of 9.4%? I’m not sure it is.

it can stack with the amex offer.

 

[Judique]

oh Walmart is on sale. Can one of you mathy people tell me if this is decent? I know transferring to airline is better, but since I don't really fly
those airlines...
View attachment 422082

I won't let my MR's go for under a penny a piece. However your mileage may vary if you have tons and nothing else you want. They are giving you .87 of a penny for each MR. The Home Depot deal gave 1.25 pennies per MR.

 

[wendow]

oh Walmart is on sale. Can one of you mathy people tell me if this is decent? I know transferring to airline is better, but since I don't really fly
those airlines...
View attachment 422082

Here’s what I see for Walmart. On my laptop now. I see nothing or anyway to see gcs on sale

 

[Lain]

Does dell run sales?

Depends what you're looking to buy. Dell does runs sales but it's usually on their computers and accessories, not third-party products.

You can still stack some nice discounts by going through a shopping portal like Ebates or TCB for 12-14%, the Amex Offer 10% back, and the Biz Plat's $100 semi-annual credit. There's also an Amex Offer for an additional MR point per $ spent at Dell. Dell lets you use 3 credit cards for an order, so if you have multiple Amex credits or offers, that's an option. Dell is also one of the merchants on the Happy Guy GCs, so if you can get these on discount (and don't plan to use them on Disney GCs at HD), you should be able to use them to pay, too. Dell also price matches, but the price match approval process is manual and some complain it's tedious.

 

[Limes96]

Is AmEx giving points for orders through GCM or GC.com? I thought they had stopped giving any kind of points for purchases that were from retailers that obviously sell nothing but gift cards.

I got 3x HH points for my gift card only purchase at Staples on Sunday on my HHBiz. I imagine that would be similar to a GCM purchase.

 

[wendow]

I won't let my MR's go for under a penny a piece. However your mileage may vary if you have tons and nothing else you want. They are giving you .87 of a penny for each MR. The Home Depot deal gave 1.25 pennies per MR.

I want the Home Depot deal but I’ve never gotten it and I don’t understand why!

 

[Judique]

View attachment 422085
Here’s what I see for Walmart. On my laptop now. I see nothing or anyway to see gcs on sale

Click egift card to see if it changes.

 

[disneymagicgirl]

I won't let my MR's go for under a penny a piece. However your mileage may vary if you have tons and nothing else you want. They are giving you .87 of a penny for each MR. The Home Depot deal gave 1.25 pennies per MR.

Thank you. That doesn't seem too bad since I don't have another use and Disney is the focus. I can combine it with the sams club DGC discount and it might be ok.

 

[wendow]

My Home Depot e-gc

 

[wendow]

Click egift card to see if it changes.

 

[Judique]

Thank you. That doesn't seem too bad since I don't have another use and Disney is the focus. I can combine it with the sams club DGC discount and it might be ok.

I was actually thinking the same thing - free is free after all.

 

[Lain]

The World of Hyatt mobile app has been redesigned, and Hyatt is running a promotion that lets you earn 500 Bonus Points for each qualifying stay at participating hotels through 9/30/19 booked on the new app. No registration required.

https://world.hyatt.com/content/gp/en/rewards/mobile.html

 

[wendow]

I don’t even see where I’d see gcs on sale. Do you have to be using a certain card?

 

[GlamMistress]

So the Amex giftcards sale is targeted then? Because I don't have discounts either, even under the egift option.

I did, however, just get a 0% APR for the next 12 months on my Hilton card. I don't revolve balances but I took the offer just because.

 

[tink1970]

It is just their overall attitude. You can be approved and not get the bonus because they decide they don't like something you did. Look at how many people just here have had to fight for their bonuses. I've never done most (any?) of these gray area things that keep getting clawed back personally, but I do think they could easily have their system set up to not credit for the resort credit when it was for a hotel charge, like it is now for airline gift cards. I'm not an IT person, but I doubt it would be very difficult. Instead, they allow things to get through and then claw them back randomly after any period of time that they'd like. It is dramatic to me. I'm pretty mellow and just avoid all this kind of stuff in general. I think their card line up stinks for my personal travel needs, at least for now, so I am happy to just use them for their offers and keep on trucking.

Fair enough. I see your point.

 

[wendow]

So the Amex giftcards sale is targeted then? Because I don't have discounts either, even under the egift option.

I did, however, just get a 0% APR for the next 12 months on my Hilton card. I don't revolve balances but I took the offer just because.

It must be targeted. My dh doesn't have it either. Same on his account. No mention anywhere of GC's on sale and HD and WM are regular pricing. It's been mentioned a few times here by people about HD being on sale but every time I go check, mine never is. Wondering how to get targeted for these sales??

 

[Lain]

I am going to respectfully disagree in this instance. The OP intentionally gamed the system, making a reservation, prepaying and then canceling for the apparent intended purpose of making $250 off of Amex. Clearly he's not alone. We complain about AFs but then condone this behavior? Amex is a business and has shareholders-will anyone be surprised if the Aspire loses benefits or the AF goes up with the multiple articles about how it's such a great deal as well as posts on online blogs/discussion forums about how to game the credits?

While I don't agree with their clawing back MRs off of self referral since that was in the gray zone, I do acknowledge that it's their rules. To me, trying to make $250 off of them is a little different. Then with the many people posting about it, is it any real surprise this is happening? They want customers who actually use their product. I'm not sure that's drama, I think it's reasonable.

Again, not wanting to be disrespectful, but I kind of understand. Amex has made it clear they don't want MSers, gamers, churners. This is just one more statement they're making.

I don't want to be coming off as defending Amex right now with all the swipes that the RAT's claws have taken at us recently, but this DP should come as no surprise.

Amex previously clawed back Saks credits for returned purchases (by making a $50 adjustment), months later and even on some closed cards. Canceling a refundable resort reservation is effectively the same thing.

 

[Haley R]

What about DH? Are all his closed?

The oldest one we have is from April of this year and I think it’s too soon to PC it right?