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Re: Amex Offers Discussion Thread Last round of offers I used 3 laptops and 2 tablets to try and keep things organized. The issue for me is at a certain point the effort vs reward ratio doesn't cut it anymore. Unfortunately, that is the exact outcome Amex is hoping for, and I can't imagine I'm alone on this.
July 24, 2018, 03:52:22 AM
I for one did not hit hard, as you know many have 99+AU's I only have immediate family with same address,  When i got the credit back it was for a mistake they did, I ended up talking to a supervisor in a dept. I never heard before, can't remember the name, I asked too many questions to understand the new Amex offers, in brief his answer was 1 per card member, not per SSN, for e.g if i had an offer on all my cards, as the primary holder, that once i used that offer on one card, that is the only allowed credit, if i used it on more cards, no credit or reverse charges, and as long as I as the primary used a certain offer, then all AU,s are not eligible for credit. So AU's are no longer useful.
Thanks for sharing that. At this point im not sure if its a case of DROPR or not. Even their updated terms indicate that its limited to one per card member. Based on their terms it would be a very difficult argument to make that the primary automatically disqualifies all AU's just because the primary got the offer already...

September 06, 2018, 01:29:27 AM
Re: Seasons supermarkets files for bankruptcy
Kosher supermarkets cater to a niche market. They can ONLY be profitable in areas that have a large FRUM Jewish community.

Seasons was expanding too quickly and biting off more than they could chew. Upper West Side? The lease alone probably wipes out any profits. Many massive retail chains like Walgreens, Rite Aid etc overpay for leases in Manhattan hotspots and take losses just to have a presence there. Seasons canít sustain that.
Couldn't agree more. I don't think the one in Passaic ever made money. They were paying rent through the roof, and it just wasn't that busy....

September 20, 2018, 03:37:14 PM
Re: Chabad Minhagim: Pros & Cons
Been discussed up thread on a yearly basis,  ayin shom ba'arucha. @churnbabychurn will tell us what level of avoda zara it is
In a nutshell? Just curious and reading this thread (especially that many pages) gives me a headache...

September 26, 2018, 01:22:48 PM
Re: Seasons supermarkets files for bankruptcy
1) clifton store is open. 2) passaic/clifton only has two stores as well (including seasons)
Yup not to mention that Seasons forced the other store to up their game big time.... competition is always good.

September 27, 2018, 08:19:10 PM
Re: Where Should I Go?
Spent Sukkos there LOL
First world problems. How about Panama? If you only have 5 days it would be a shame to do too much flying.

October 05, 2018, 10:22:28 AM
Re: Paper Straws
So gross.
Problem is that itís just a matter of time before NY/NJ join.

October 22, 2018, 10:18:17 AM
Re: Verizon FIOS upgrade deals? OR cancel and sign-up?
I cancelled fios 4 days after the bill was generated and the lady claims that it's not a prorated bill and if I cancel 1 or 29 days later I have to pay the full bill.

Can anyone verify that?
Yes, if its internet only. Verizon is the worst. Let me save you my 3 plus hours spent on the phone with supervisors and managers. Verizon will not prorate on internet only packages. I had already been promised that it would be prorated but they told me to go to hell.

October 26, 2018, 12:37:48 PM
Re: Verizon Fios Credit For Sale
Does anyone know if there is a maximum amount I can overpay my fios (personal) account? I currently have $1000 credit...
2.5k max Credit

November 14, 2018, 06:05:38 PM
Re: Chase Sapphire Reserve
When renting a car using UR will points automatically go back the account if canceled?
Works that way for hotels and activities, I'm assuming car rental is the same, no first hand experience though.

November 17, 2018, 09:21:51 PM
Re: AT&T Amex offers for sale
Have 11 offers @ $100 each.
$90 take all.
Sold. Great transactions with nafnaf12 super quick payment.

December 02, 2018, 11:50:04 PM
Re: Monsey Master Thread
Where do Monsey people get haircuts?
Personally I like using Airmount Barber itís a little past Walmart in Suffern. There is a Jewish guy there  Jacob that I find to be pretty good.

December 07, 2018, 08:32:10 AM
Re: Airline Gift Cards And Vouchers Master Thread
Itís good that you outed him so others donít fall in the same trap.

December 12, 2018, 06:15:44 PM
Re: Master get in before the delete thread.
Totally uncalled for.
Not to mention he helped many people for zero personal gain.

December 13, 2018, 10:51:45 AM
Re: Share your longest / craziest / most memorable DRIVES here
I was expecting you to deliver the baby in Jacksonville ;)
Almost 😝

January 03, 2019, 08:52:32 AM
Re: iPhone Xs - XS Max
Thanks, I also found it on ebay for $25. Still debating how much I really want/need it.
Just get AirPods.

January 13, 2019, 10:07:19 AM
Re: South Florida Master Thread
I'm supposed to get breakfast as a plat amenity at the Turnberry (now JW Turnberry Miami) anyone know if i might be able to ask for a kosher option (there is a kosher bagel store a few blocks away)?
They were not able to do that for me as a platinum, back when they were Turnberry Isle resort. IIRC correctly they comped something else for me instead...

January 13, 2019, 08:22:42 PM
Re: South Florida Master Thread
Imo if you are served mac and cheese, you'd say it was eh, but if you were served macaroni au fromage by a guy with a big mustache you'd talk about how authentic it is and amazing. :P jmho
ALOL. We are all like that to some extent.

January 14, 2019, 11:10:38 AM
Re: Amex Offers Discussion Thread
I've been able to save multiple offers to different cards under same SSN/login last few months.  Worked with staples, lowes, and best buy a month back.    Use my phone and pc and add offers at the same time.  I added the staples and lowes offers to my au account under different login.  Should I be worried about clawbacks if I use the offer on the au account as well since the transactions show up under the main account?
It was a problem for some last time. You should be able to easily fight it with Amex though, as it is one per person.

January 16, 2019, 03:12:43 PM
When people on the street donít know better and are happy getting .6, thereís no reason for brokers to not offer that.

Thereís no shortage of brokers on google search results that they can shop around by.
Jewish law disagrees with you.

January 19, 2019, 10:10:35 PM
Re: Absent DDFers
Is CM is back as @Muhammad?
Nah too many buying group posts.

January 22, 2019, 09:13:01 AM
Re: PSA: Don't swipe recklessly for others
I really do not understand how people fall for this. I guess it is a combination of greed and ignorance, where is the risk/reward in this? These are all planned scams .
People are desperate, and believe all frum Jews donít steal. Considering that many do, itís a big problem.

January 22, 2019, 05:40:51 PM
Re: PSA: Don't swipe recklessly for others
They werenít a buying group. They actually had very competent buyers, and the underlying fundamentals of their initial products was very promising. HNWIís (Lakewood standards) were the first round of investors, and they did very competent due diligence. However, the market saturation point for that set of products was pretty narrow, הן מצד the suppliers, and הן מצד, the actual demand. Also, it was very labor intensive to turn around, and the ďwarehouseĒ was run pretty inefficiently, which increased overhead (the attitude was weíll hire until we get the guy who can do it. Now imagine the HR mess).

So they turned to other products. Now the washing machine started spinning water, as most of them couldnít return over their initial purchase price (I guess thatís buying group style) but the high overhead shot up even more!

Then they bought retail stores in a line they had decent experience with, sunk serious money into it and opened a t****ing company to boot, which was a cause for internal politics, and all went downhill.

In the meantime, the returns on the initial products disappeared to competitors (very common in Amazon, a 2 year cycle for a hot product is considered an eternity). So now nothing was making money, and suddenly the fixed costs of keeping the shop open made them desperate.

At no point did they intend to lose a dime. They had a innocent vision of becoming the next Klein-Pikarski, and understood that they need to take risks. But unfortunately, the risks werenít calculated and the רבשע wanted otherwise. There were Heter Iskas for every dime. They were non PL.
Itís good they had a hetter Iska. Could you imagine if they stole the money without that?  ::)

January 25, 2019, 11:18:50 AM
Re: American Express SPG Luxury
So I read a Flyertalk thread where others did gift cards and it worked.

I did it myself last week and the credit posted today.

So yes gift cards from do trigger the $300 credit
That's great info, thanks for posting it.

January 30, 2019, 12:33:17 AM
Re: sapphire reserve - annual fee refund?
spoke to a customer service rep who told me that i have 60 days from when charge is posted to cancel card and receive a full refund.

Is this true? I was under the impression that I only have 30 days to get full refund.
41 to be exact. 60 days is to downgrade.

January 30, 2019, 02:21:31 AM
Re: PSA: Don't swipe recklessly for others
This thread has been quiet for two days
I guess thatís good news
It just means that all the trolls realized they werenít going to get any new info.

February 21, 2019, 08:59:30 AM
Re: AT&T Amex offers for sale

A $100 credit for $90?? Is that correct?
$175 credit. It seems like OP is only making $15 if I understood correctly. Or maybe itís MR offer so worth more.

February 28, 2019, 07:47:53 PM
Kicked Out Of Centurion Lounge In LAS For Eating Kosher Sandwich Just wanted to hear some thoughts about this... Here is the story in a nutshell:

I was at the Centurion Lounge @ LAS last week and it was extremely overcrowded. Like I have done many times before I got myself a drink from the bar, and took out my kosher Sub. 2 minutes in a security officer comes over to me and says no outside food allowed, and if I want to eat my sandwich I would have to eat it outside. He says we serve food right over there, to which I responded that there are no kosher options available. He says again policy is no outside food, I said ok, but I never knew that that was the policy and there is no sign stating that, he just ignored me and walked away. Considering at this point I was 2/3 done, I just finished my sandwich. My reasoning was that he didn't bother responding to me, then I don't have to make myself too crazy. Either way he doubled back 10 seconds later to see if I listened. I was eating my last bite then. He disappeared into the back , and came back with the club manger. Manager says I gotta ask you to leave. I am like its fine I am done. He says no you violated club policy so you must leave the club now. He starts picking up my knapsack. I said lets call cardmember services, since I pay $550 a year for the privilege of coming to these clubs. Then I asked his name which he refused to give. After dialing Amex he says you need to leave to make that call, and continues to walk with my backpack to the door. I calmly responded that I didn't think he was being fair, and that I tried having a conversation with the security guy, and he just walked away. I also pointed out that if he was confident in his decision, he should have no problem giving his name, as he is just enforcing Amex policy.  His response was don't make me call airport security and forcibly remove you... Having images of Dr Dao in my mind I obediently left.

Keep in mind I did not raise my voice once, and all questions were asked in a polite calm tone. I was looking for clarification as I honestly had no clue that was the policy. I have eaten many sandwiches in clubs around the world, and was never told anything. In a perfect world should I have stopped eating the sandwich? Yes, however IMO these guys were on a major power trip, trying to empty an overflowing club. What do you guys think?

March 28, 2019, 10:51:01 AM
Re: Kicked Out Of Centurion Lounge In LAS For Eating Kosher Sandwich
Easy to say as a spectator after the fact... When a TSA agent tells your wife to take her shaitel off, I doubt your first reaction will be, hey let's record this guy for example...etc.
Had that once actually, they did give us the option of a private screening in a side room if she didn't want to remove it in public, which is what we did.
ETA: IIRC correctly it was a snood, and since she beeped in the metal detector she was asked to remove it.

March 28, 2019, 11:37:35 AM
Re: This Board Is Now Restricted To Bronze Elite Members
For one, people have been telling people to post more.
The post padding deletions and PMs are getting unbearable. Might need to undo this and/or just delete this board.
Delete a whole board because of a few scammers? While I think the new system is smart, it would be a huge shame to lose this feature on DDF because of a few idiots. Bottom line is, people do this at their own risk..

April 05, 2019, 12:23:39 PM
Re: Misc Credit Card Questions
Amex doesn't allow their travel credit to be used on seat upgrades. (I wonder if any of their cards do. I'm thinking no, but I'm not sure.)  I'm specifically looking for a travel credit that can be applied to seat upgrades (economy to business; business to first, that sort of thing).  Thanks for replying. :)
Donít know where you are getting that from, Amex definitely does give the airline credit for seat upgrades.

April 07, 2019, 11:36:56 AM
Re: Misc Credit Card Questions
Oh wow, good to know. I will just use my Amex Plat.
Make sure you select the airline first.

April 07, 2019, 11:41:49 AM
Re: Pesach Programs and False Advertising
Not sure why you came to this conclusion but my guess is that you're extremely off base, you clearly have no idea what it would mean for a guy like that to be in that situation.
His beef was definitely the treatment and the work. Wether Chipotle did or donít happen isnít clear. One thing is for sure it workers being treated poorly wonít stop anyone from going, Chipotle part might.

April 17, 2019, 10:37:44 AM
Re: Amex Offers Discussion Thread
Did you receive the 10% credit? I have the offer added to my card thinking of using it on gift cards.
It works on gift cards.

April 28, 2019, 08:45:08 AM
Re: Gift Card and gas Promo at Stop & Shop or Giant
So you don't have to use the same ss card when the coupon is redeemed. I thought the coupon has to be matched with ss card.
Coupon is generic and can be used on any card. As explained upthread the earning side is unlimited. Redemption as a general rule is limited to 10 total coupons per card (nothing to do with transactions itís total coupon redemption per card). Getting additional cards will help on the redemption side. Keep in mind that S&S is pretty good at merging accounts. I think I gave you enough to work with.

May 09, 2019, 04:02:57 PM
Re: If You Could Ask AMEX Execs One Question, What Would It Be? If they can go back to the option of signing up for Amex offers via a link. (Used to have it for SBS back in the day). It makes it a lot easier to add offers you want, and honestly now that they donít allow more than one offer per card holder/AU, it wonít be abused. No reason to have to run through all your cards multiple times and hope to be targeted. I think that this is something easily implemented and benefits both Amex and the consumer.
May 15, 2019, 09:45:08 AM
Re: If You Could Ask AMEX Execs One Question, What Would It Be?
Not necessarily... The biggest hotel chain in the world doesn't know their @$$ from a hole in the ground.
ALOL. Maybe Amex got Bonvoyed as well!

May 16, 2019, 04:21:31 PM
Re: Manufactured Spending 2017

ממה נפשך.  If it's allowed then that's hishtadlus if it's not then it's a different story.
That is 100% false. Read up on hishtadlus VS Bitachon. Its definitely not everything that can be done must be done. Its not for the scope of this forum, but its one of the very difficult aspects of playing this game. At some point making yourself too crazy is called just being an idiot. Hashem gives you what you are supposed to get.

June 03, 2019, 10:03:16 AM
Re: YMMV Some Chase Credit Card: Purchase a new Costco Membership and receive $60
I thought there would be a thread discussing whether Costco membership is actually worth it...Whats the opinion of DDF?
Iíve they stock kosher then definitely worth it.

June 05, 2019, 07:39:50 PM
Re: Citi To End Price Rewind Program On September 22nd, 2019
It may work for some, but I don't eat out that much.
Says the guy with Shwarma in his name!

June 24, 2019, 01:12:48 PM
Re: PSA: Don't swipe recklessly for others 👆Nice thought process highly doubt thatís the case though.
July 23, 2019, 10:32:39 AM
Re: Amex MR- Selling $50 Itunes GC Discounted
Normally the worst of values, Amex is selling $50 iTunes GC for 4117 MR points. While Dan and others might value them at more, the selling value is around 1.25 each. If someone uses iTunes GC a lot,  value is pretty good here (IMO)
Since iTunes is constantly available @ 15-20% off, this is a terrible value even for people selling @ 1.25.

August 05, 2019, 09:50:31 AM
Re: Marriott Hotels
If booking with the free night certificates for immediate family, can I just make the reservation in their name, or does it have to be under my name and add them to reservation?

Also, if using 3 certificates and paying with points for 4th night, do I still get the 5th night free?

System wont let you book without your name, add as guests, you will have no issues.

August 07, 2019, 02:14:29 PM
Re: Gift Card and gas Promo at Stop & Shop or Giant
Yup. Nothing that is not listed is working. No amazon no bb. And 1 coupon per transaction
Thanks for the datapoint.

August 11, 2019, 07:03:44 PM
Re: Amex $120 dining credit
What dining credit?
Gold Personal Card

September 05, 2019, 05:32:09 PM
Re: Misc Credit Card Questions
when citi premier writes how "you will receive 60k TY points after $4k in purchases are made within first 3 months", do pending charges count?

my statement closes tomorrow 9/12 and I have $600 worth of charges sitting as pending that likely will not post until after 9/12. if they don't count, what charges can I run up today that will definitely post in time?
Itís usually not exactly 90 days. It varies by issuer. Doc has a write up about it.

September 11, 2019, 01:17:29 PM
Re: Verizon Fios Credit For Sale

Anyone try cancelling?  Did it get refunded to CCs?
It will refund to the CC in reverse chronological order that you paid with. Once it can no longer pay out a full payment (IE you paid $300 but it now only owes you $257), they will send a check for that amount, and only that amount. The rest will be back on CC even of they tell you otherwise. This is even a year+ later, from experience.

September 23, 2019, 05:57:27 PM
Re: Nissan Altima To Keep Or Not To Keep
Nissan offered me 1-3 month extension, couldn't get more.
Yep tried today, max is 3 months.

September 24, 2019, 07:13:17 PM
Re: What is a good credit card to use for spending at the apple store
I am interested in the new macbook and I was wondering which credit card could maximize my points/cashback returns for purchasing a mac at the apple store.
While points are great, the extra year protection and support offered by cards from banks like chase and american express are also very important in this determination.

Does anyone have any advice, possibly a card that can give back about 5% in points and offers some form of product protection?
Real question is why the heck are you buying a mac at the Apple store? especially 2 weeks before BF?

November 14, 2019, 04:19:38 PM
Re: New Coin Deal
Can someone please explain. Not just throw all these lushen hakodesh words?
Basically you are stealing, and dishonest. Clear enough? (Insert all the lame excuses you were coming up with here...). Yes, you are still dishonest and stealing.

November 17, 2019, 08:27:49 PM