Credit Card Thread - Now with a Beginner's Guide to free travel/FAQ

Discussion in 'The Mainboard' started by blind dog, Apr 10, 2015.

  1. ohhaithur

    ohhaithur e-Batman
    Donor

    tjosu nailed the Chase side but since I have a spreadsheet I shall share what I have cuz I'm a nerd:

    How I value points in acquisition:

    Hotels
    Hilton 0.006
    IHG 0.006
    Marriott 0.008
    Hyatt 0.018

    Airline
    United 0.012
    Delta 0.015
    Southwest 0.015
    ANA 0.016
    Alaska 0.017
    AA 0.021

    Rewards
    Chase 0.016
    Amex 0.016

    Here's what I have actually redeemed in the last two years (note: I transfer Chase/Amex to other airlines sometimes to I get more value than the standard 0.015 listed)

    screenshot (2).png
     
  2. BrickTamland

    BrickTamland You're not Ron...
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    Florida State Seminoles

    Spreadsheet game tight af.
     
  3. ohhaithur

    ohhaithur e-Batman
    Donor

    Pivot tables for dayz
     
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  4. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    based on that i'll probably use points for one of them at .013, the other marriott/spg value is .005

    think its because its a new hotel but *vomits*

    shits cheaper in korea than expected
     
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  5. ohhaithur

    ohhaithur e-Batman
    Donor

    Just remember, it's all free. You don't always need to get great "value." Still cheaper than spending money

    Editor's note: I just spent money on a hotel last week and it makes me sad
     
  6. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    but in the latter if I use that spend effectively I feel like the value of that outweighs a low-value redemption even if i'm coming out of pocket
     
  7. ohhaithur

    ohhaithur e-Batman
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    For sure if you'll ever eventually run out of whatever currency you are avoiding spending
     
  8. Menelaus

    Menelaus The Red-Haired King
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    Alabama Crimson TideReal Madrid

    Time value of money honey. That $300 you didn’t spend could be earning for you somewhere else.
     
  9. tjsblue

    tjsblue I was right at the time
    Donor

    it is all free, but consider the opportunity cost of using a shity redemption instead of paying and using it later.

    Then you'll be a hoarder like ohhait and I and always on the hunt.
     
  10. tjsblue

    tjsblue I was right at the time
    Donor

    But you'll get points when you spend!
     
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  11. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    I have a "value floor" for redemptions. So as long I'm at that floor or above I'll just go ahead and book. Otherwise I give myself analysis paralysis and start hoarding points.
     
  12. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    yeah due to the nature of our travel we don't really have unlimited point accumulation buckets through things like work travel/etc
     
  13. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    I CANT DO A .005

    I JUST CANT
     
  14. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Yeah I'm with you
     
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  15. The B1G Kucktis

    The B1G Kucktis 2 years, VARSITY!!
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    Penn State Nittany LionsPhiladelphia PhilliesPhiladelphia 76'ersPhiladelphia EaglesPhiladelphia FlyersTiger WoodsWolverhampton Wanderers

    We leave for Australia & New Zealand tomorrow.

    Paid For:

    - 10 day cruise for two via Costco
    - Two return flights (AUK --> LAX)

    Redeemed Through Churning:

    - Two flights from DFW --> SYD
    - Two nights in Sydney and one night in Auckland
    - Five cruise excursions

    :notobamanotbad:
     
  16. ohhaithur

    ohhaithur e-Batman
    Donor

    Same to a point. I also can't justify spending money when I can get it for "free." I hoard and I splurge and there's no end in sight
     
  17. ohhaithur

    ohhaithur e-Batman
    Donor

    That shit's tight yo. Enjoy
     
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  18. The B1G Kucktis

    The B1G Kucktis 2 years, VARSITY!!
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    Penn State Nittany LionsPhiladelphia PhilliesPhiladelphia 76'ersPhiladelphia EaglesPhiladelphia FlyersTiger WoodsWolverhampton Wanderers

    :like:
     
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  19. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    .005 is pretty low for Marriott/SPG. That would be tough. I guess it depends on how much the hotel cost to book as well.

    50K points for $250 vs $400? I might just eat the $150 in value.
    150K points for $750 vs $1200? Too much devaluation for me.
     
  20. ohhaithur

    ohhaithur e-Batman
    Donor

    Also depends on other things too. Do you have UR to book it? Do you have status at the hotel? Etc
     
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  21. rezy

    rezy Member
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    nice, I'll be flying korean air in first class in 3 weeks to Vietnam
     
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  22. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    whats your itinerary in vietnam
     
  23. tjsblue

    tjsblue I was right at the time
    Donor

    no he will not go on a date with you.
     
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  24. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    :(

    i won't be there until march anyways so jokes on him I was going to stand him up
     
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  25. tjsblue

    tjsblue I was right at the time
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    That's not Clemsoning, That's Big Ten-ing.
     
  26. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
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    You only did this so you don't have to go to the Territorial Cup.

    Fuck, I should've done the same thing.
     
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  27. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
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    Taking that 16 hour long nonstop flight from DFW to SYD?
     
  28. rezy

    rezy Member
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    I don’t have one yet. I’ll be over there for 40 days, I land in Saigon and leave from Singapore. I have my first 3 nights booked and am winging it from there. I’ll definitely keep track of where I go and try to do a write up in the travel thread either as I go or at the end
     
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  29. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    thats wild

    hope you have a great time
     
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  30. comrade static

    comrade static i love french fries
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    Oklahoma City ThunderPhiladelphia EaglesOklahoma SoonersBarAndGrillBig 8 Conference

    Applied for chase biz ink thurs night. Got email saying they would process application as soon as possible. No mention of 30 days.

    Can someone direct me to the flowchart? Supposed to call an 800 number now right?
     
  31. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    Ohio State BuckeyesCincinnati RedsCleveland Browns

    (800) 432-3117 to check the status. 30 days means they haven't gotten to it yet, 2 weeks means you are most likely approved, 7-10 days means denied.

    Denial could just mean they need to verify your address or something. It's best to call recon in this situation.
     
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  32. BrickTamland

    BrickTamland You're not Ron...
    Donor
    Florida State Seminoles

    050734CE-64B4-4CE9-A03C-B93791F7EA38.jpeg
     
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  33. The B1G Kucktis

    The B1G Kucktis 2 years, VARSITY!!
    Donor
    Penn State Nittany LionsPhiladelphia PhilliesPhiladelphia 76'ersPhiladelphia EaglesPhiladelphia FlyersTiger WoodsWolverhampton Wanderers

    So, we got rebooked to Brisbain (and then to Sydney) from LAX on Qantas. And upgraded to business class.

    On a miles flight.

    What world am I living in?
     
  34. ohhaithur

    ohhaithur e-Batman
    Donor

    What a wonderful
     
  35. rezy

    rezy Member
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    Florida State SeminolesNew York YankeesLos Angeles ClippersNew York GiantsManchester United

    Need some advice on using my phone while I’m in Vietnam and Thailand. I unlocked my iPhone from att. If I get a sim over there, will my iMessage and WiFi calls still work? Or should I just leave my phone in airplane mode while I’m there?
     
  36. kentucky_dawg

    kentucky_dawg Fan of: Georgia
    Donor
    Georgia Bulldogs

    With ATT, I believe you can set it up to where you only pay $10 per 24 hour period. So I usually leave it on airplane mode unless I need to use data.
     
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  37. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Just associate that number with your apple ID and it'll work fine. Always works well for me.
     
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  38. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    supposedly viettel sims are the best in vietnam
     
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  39. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
    Donor
    Texas Tech Red RaidersTexas RangersChicago CubsDallas StarsTexas Tech Red Raiders alt

    My cat got a 50k/10k mile AA mailer from Citi today :smug:

    How long after the listed expiration date can they still be used, 2 months?
     
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  40. ohhaithur

    ohhaithur e-Batman
    Donor

    Nobody knows for sure with the new ones
     
  41. EMAW FC

    EMAW FC Proud Smucker
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    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    My country inlaws we’re driving back home last night and had to stop halfway due to bad weather. I booked them in a cheap four points by Sheraton w/ points. You would’ve thought I put them up in the Ritz. Not happy about losing 12,500 points but I can do no wrong in their book for the next year.
     
  42. ohhaithur

    ohhaithur e-Batman
    Donor

    Worth it
     
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  43. Houndster

    Houndster Well-Known Member
    Donor TMB OG

    How much are 100,000 Hilton Honors points worth? Got a mailer and the spend is only $1k over 3 months
     
  44. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    About 3 bucks
     
  45. ohhaithur

    ohhaithur e-Batman
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    $500ish
     
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  46. Todd Bonzales

    Todd Bonzales Sex with old ladies for money aaaand bear traps.
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    Ohio State BuckeyesCleveland BrownsUSA RugbyTiger WoodsOhio BobcatsCleveland CavaliersCleveland IndiansOlympics

    Get a referral in here, too.
     
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  47. ohhaithur

    ohhaithur e-Batman
    Donor

    *if the same offer
     
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  48. EMAW FC

    EMAW FC Proud Smucker
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    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    planning a summer Eurotrip for our 5th anniversary. London - Brussels - Amsterdam. Starting to get into early level planning. Anyone flown Norwegian airlines before? Low cost carrier. They have a premium cabin that isn't first class but isn't coach either. Thinking of taking that for the flight back to the States

    Going to book the flight there w/ UR points transferred to whichever airline makes the most sense. Saw there was a 25k pt flight available from ATL-LHR operated by Virgin that sounds like a bargain.
     
  49. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    The London flight is going to have a lot of fees on it.
     
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  50. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
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    Alabama Crimson TideSan Diego Padres

    Hit my CSR and Aspire MS already. Feels good.
     
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