Friday Open Discussion 1/23/15

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Hope everyone had a good week.  I’m here to answer any questions about deals, points, or miles.  I’ve been keeping up with the deals, but have had little time to post about the ins and outs.  Feel free to post in this Friday open discussion.

Our Pirate Ship We Sailed On Last Month in Hakone, Japan

Our Pirate Ship We Sailed On Last Month in Hakone, Japan

13 comments for “Friday Open Discussion 1/23/15

  1. Jonathan
    January 23, 2015 at 8:47 am

    Hi, how do you suggest I go about with my credit card renewals this year before the fee hits? Should I call to cancel and see if there are any retention offers like a month before? Or do I wait until after the fee hits, then ask for an offer? Thanks!

    • January 23, 2015 at 9:21 am

      I would wait until the fee hits and ask for an offer. Make sure the offer at least covers the annual fee. I’ve been a bit more picky on my offers if it is a Chase credit card because you could cancel, wait a bit, and reapply if it’s been 2 years since you earned your first bonus.

  2. sophie
    January 23, 2015 at 9:20 am

    We have 2 business class tickets to Ireland for this summer.We are now considering taking our children…maybe. Is it possible to trade these 2 tickets in for 4 in economy? We bought with miles, and are flying us airways out, and United back.

    • January 23, 2015 at 11:18 am

      Have there been any schedule changes? If so, you may be able to make free changes. You would have to check for availability. Right now there are a good amount of tickets from LAX-DUB on Ethiopian Airlines economy. Where are you located?

  3. Maury
    January 23, 2015 at 11:25 am

    My wife’s Braclays Arrival card is up for renewal this month. Do you think its best to downgrade or to cancel outright to have a good chance in about six months of getting approved once again?

    • January 23, 2015 at 2:51 pm

      I think cancel might be better but downgrade if youre more cncerned about credit score

  4. Jason
    January 23, 2015 at 12:06 pm

    Hi Rom, trying to plan a trip to Morocco (Marrakesh) for a friends wedding. Do you have any suggestions on what might be a good starting pt/how you might structure the trip/routes to consider? I’m flying out of LAX and have chase pts/AA pts/Delta pts that I could potentially spend.

  5. Jack
    January 23, 2015 at 6:49 pm

    Hi Rom,
    I opened up one Sapphire Preferred under my name to get the bonus, and opened up another Sapphire Preferred under my wife’s name, also to get the bonus.

    Is there a way to link our accounts so we can combine the Ultimate Rewards, rather than having 50,000 in two separate accounts?

    Do I need to add her as an authorized user to my account and vice-versa?

    Thx!

    • January 23, 2015 at 10:23 pm

      You can easily by going to combine points under your UR account and type in her cc number to transfer

    • Gaurav
      January 23, 2015 at 10:58 pm

      Jack–You just need to log into ultimaterewards.com and transfer points. It’s really easy.

  6. T
    January 24, 2015 at 7:11 am

    I have a credit card question, and I feel really dumb for asking it, but Here goes. Why do I keep getting finance chargers even though I lay my credit cards off in full each month. I just got a $45 charge from amex and I paid the balance off an entire week before it was due. It’s the same story with every single card that I MS with. What the crap am I missing here? Thanks!!!

    • Gaurav
      January 25, 2015 at 7:01 pm

      T–I’m curious what sort of MS you do? That might hold the key to your question.

    • January 27, 2015 at 8:30 pm

      Make sure your auto pay is paying the full amount and not just the minimum amount. Call and see with them.

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