Author Topic: Misc Credit Card Questions  (Read 341907 times)

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1273
  • Total likes: 4
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #4785 on: October 05, 2016, 03:16:57 PM »
It really depends on how you value each of those points. If you have a CSR than you're getting at least 2.25 cents per dollar on the FU but that could change over the next two years. SPG will definitely change in 2018 but you can convert them to 3x Marriott for now  to be safe. Basically I don't think anybody can tell you which one is for sure better for you as there's really no way to tell what those points will be worth in two years and it really depends how on how you're planning to use the points.
Thanks! What's better as of the way things are now? And can you explain why transferring to Marriot keeps my SPG points safe? Thanks!
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 6102
  • Total likes: 274
  • DansDeals.com Hat Tips 3
    • View Profile
Misc Credit Card Questions
« Reply #4786 on: October 05, 2016, 03:21:58 PM »
Thanks! What's better as of the way things are now? And can you explain why transferring to Marriot keeps my SPG points safe? Thanks!
It's hard to say without knowing how you want to use them, do you want to take domestic flights in coach? First/biz class international? Aspirational hotels?

If you transfer them to Marriott, they'll just stay as Marriott points when the SPG program is changed/gutted. If you leave them as SPG then we really don't what will happen but you should have plenty of warning beforehand so I wouldn't worry about that.

ETA: You could also transfer SPG to many airlines at 20000:25000
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1273
  • Total likes: 4
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #4787 on: October 05, 2016, 03:37:57 PM »
It's hard to say without knowing how you want to use them, do you want to take domestic flights in coach? First/biz class international? Aspirational hotels?

If you transfer them to Marriott, they'll just stay as Marriott points when the SPG program is changed/gutted. If you leave them as SPG then we really don't what will happen but you should have plenty of warning beforehand so I wouldn't worry about that.

ETA: You could also transfer SPG to many airlines at 20000:25000
Thanks so much. I'm not even sure how I want to use them yet. Hence the 2+ years. Which one is better as now?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 6102
  • Total likes: 274
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Misc Credit Card Questions
« Reply #4788 on: October 05, 2016, 03:40:40 PM »
Thanks so much. I'm not even sure how I want to use them yet. Hence the 2+ years. Which one is better as now?
If you really don't know how you're going to use them, I would stick with FU
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1273
  • Total likes: 4
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #4789 on: October 05, 2016, 04:12:47 PM »
If you really don't know how you're going to use them, I would stick with FU
Ok thanks!
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline LoLo

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2014
  • Posts: 2891
  • Total likes: 31
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #4790 on: October 05, 2016, 04:26:15 PM »
If you really don't know how you're going to use them, I would stick with FU
+1.
Don't attribute to intelligence what can also be attributed to incompetence.  -Dan

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1273
  • Total likes: 4
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #4791 on: October 05, 2016, 04:31:46 PM »
+1.
Thank you.  I think mmgfarb already did a plus one himself 😂
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 6102
  • Total likes: 274
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Misc Credit Card Questions
« Reply #4792 on: October 05, 2016, 04:48:04 PM »
Thank you.  I think mmgfarb already did a plus one himself
I'm not exactly sure what that means but thanks! (oh and btw, that's what likes are for )
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline LoLo

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2014
  • Posts: 2891
  • Total likes: 31
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #4793 on: October 05, 2016, 04:58:28 PM »
I'm not exactly sure what that means but thanks! (oh and btw, that's what likes are for )
1- your answer was posted twice.

2- no likes on tapa.
Don't attribute to intelligence what can also be attributed to incompetence.  -Dan

Offline guitarman

  • Non-Elite Member
  • Join Date: Sep 2015
  • Posts: 17
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #4794 on: October 05, 2016, 05:02:51 PM »
need to downgrade amex platinum and spg

on the plat card  they are only offering  to downgrade to green with another fee any way out with out canceling and hurting  your credit

any way to downgrade with amex spg ?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 6102
  • Total likes: 274
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Misc Credit Card Questions
« Reply #4795 on: October 05, 2016, 05:03:30 PM »
1- your answer was posted twice.

2- no likes on tapa.
1- Whoops, didn't realize that it posted twice, that's what happens when you use tapa

2- you can always hit "web view"
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 6102
  • Total likes: 274
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Misc Credit Card Questions
« Reply #4796 on: October 05, 2016, 05:05:00 PM »
need to downgrade amex platinum and spg

on the plat card  they are only offering  to downgrade to green with another fee any way out with out canceling and hurting  your credit

any way to downgrade with amex spg ?
No and no
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline guitarman

  • Non-Elite Member
  • Join Date: Sep 2015
  • Posts: 17
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #4797 on: October 05, 2016, 05:07:46 PM »
will they pull your credit if you switch to a different product ?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 6102
  • Total likes: 274
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Misc Credit Card Questions
« Reply #4798 on: October 05, 2016, 05:16:31 PM »
will they pull your credit if you switch to a different product ?
Not if you just downgrade
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline guitarman

  • Non-Elite Member
  • Join Date: Sep 2015
  • Posts: 17
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #4799 on: October 05, 2016, 05:20:21 PM »
i am asking if there is no option to downgrade they are only offering to switch to a new product . Will they pull my credit ? and am i better off just canceling the card ?