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Messages - jsk173

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1
Credit Cards / Re: Misc Credit Card Questions
« on: June 06, 2017, 06:15:13 PM »
How long does it stay on the report? Forever?

Lates generally stay on the report for 7 years, but have less impact on one's FICO the older they are.

2
Credit Cards / Re: Misc Credit Card Questions
« on: June 03, 2017, 03:59:42 PM »
Writing a letter to the CEO sounds like overkill. You can prob just call the cc & do as he said above.

It's not overkill, because such letters never actually make it to the CEO. Someone in the executive office will handle it. A phone call to the number on the CC, on the other hand, is unlikely to reach someone with the power to make changes to the credit reporting.

3
Credit Cards / Re: Misc Credit Card Questions
« on: June 03, 2017, 03:07:39 PM »
I missed a payment and I can see it on credit sesame. My credit score dipped by 80 points. What are my options? It was kohls charge that my wife occasionally uses. Is there a way to remove this. This is my first late payment.

Pay it off in full ASAP, then write a letter to Kohl's CEO saying you missed the payment by accident, point out that the bill is already paid in full, and ask for a one-time removal of the late from your credit reports (which you might want to mention are otherwise clean).

4
Up In The Air / Re: Airline Compensation Master Thread
« on: May 29, 2017, 10:38:03 PM »
When he got to the airport (with his wife and 2 kids), they wouldn't let him on the plane. Chase screwed up and he was ticketed in 2 different classes. SA refused to speak to chase to sort it out on the spot, and claimed there was nothing they could do. (based on reports from people on the flight, the flight was overbooked, and this was a way to bump people for free)

Need more info. here. Did your friend refuse to be split up into two cabins or did the airline actual deny boarding even though everyone had confirmed seats, albeit in different classes/cabins? Last I knew, it's almost impossible, if not entirely impossible, to have multiple passengers on the same ticket in different classes, so it seems like all four passengers should have had valid, if separate, tickets.

5
Up In The Air / Re: Airline Compensation Master Thread
« on: May 29, 2017, 10:30:20 PM »
Well, this was after LY involuntarily rescheduled his flight...

Yes, but that happens all the time, and it's largely irrelevant to whether this was an involuntary downgrade.

Some airlines give refunds if the class of service changes after a requested change and others don't. Either way, there's certainly no case here for disputing the full charge with Amex.

6
Up In The Air / Re: Airline Compensation Master Thread
« on: May 29, 2017, 08:06:17 PM »
Not sure if you are responding on my question. I requested to change the flight to similar time of original departure on condition that it's Business. They promised that it's Business even sent me a elal confirmation that it's Business it showed class j with a status of ok. When I got to gate united said it was booked on standby never confirmed seat and they laughed and said never fly elal.

Per your original post, you initiated the change because you "didn't want to risk with shabbos." If you got to the airport and you were, in fact, only on standby, then that actually weakens the "involuntarily denied ..." claim you raised above.

7
Up In The Air / Re: Airline Compensation Master Thread
« on: May 29, 2017, 06:38:21 PM »
I imagine this doesn't qualify as "involuntarily denied boarding into the class of booking".

No. You both requested the change and had the ability to decline it.

8
Up In The Air / Re: Airline Compensation Master Thread
« on: May 29, 2017, 06:36:44 PM »
How about from the massive profits that the airline industry are having now?

And where do the profits come from? Revenue minus expenses.

9
Up In The Air / Re: Airline Compensation Master Thread
« on: May 29, 2017, 06:35:42 PM »
I'm not sure what you are getting at. This compensation has been shown over time to be beneficial at minimal cost.

Minimal cost to whom? People seem to be pretending that the cost of the compensation isn't priced into the tickets. If the foreign carriers were always the same price or cheaper than U.S. carriers, then no one would book them, given that the onboard service tends to be better on the foreign carriers.

Just in this one discussion, I asked several times what the guy paid for his ticket, but he never answered. The fact he doesn't want to disclose the price he paid suggests price was a factor in his decision.

10
Up In The Air / Re: Airline Compensation Master Thread
« on: May 28, 2017, 01:23:31 PM »
Or they just place a greater focus on avoidance. If the downsides are not something which people seem to have experienced then apparently the costs were worthwhile. Just that there is a cost is not really a problem if we can't even find it.

Not sure what you mean by this. Yesterday's BA meltdown potentially has BA on the hook for a massive compensation bill. That money isn't going to appear out of thin air.

11
Up In The Air / Re: Airline Compensation Master Thread
« on: May 26, 2017, 08:21:59 PM »
No, they are not significantly more expensive than non-EU airlines. In many cases, they are actually less expensive for an arguably better quality of service.

It seems that those making the argument that mandatory compensation increases fares forget that economic forces prevent a great disparity in fares. If that were the case, then virtually no one would fly on the more expensive airlines since the potential payoff of guaranteed compensation in the event of irregular operations would be less than the upfront savings of the non-EU carrier. Given the current state of the airline industry, it is clear that EU carriers as a whole are surviving just as well as their non-EU counterparts.

The mandatory compensation is a known expense and doesn't just get paid magically. That money has to come from somewhere, whether it's lower labor costs, maintenance shortcuts, higher fares, and/or a combination of any number of other factors.

12
Up In The Air / Re: Airline Compensation Master Thread
« on: May 26, 2017, 06:11:19 PM »
The main lesson from this experience is to always fly on an EU/Switzerland/Norway-based airline when flying to those destinations. That way, EC 261 applies, and the compensation is already predetermined.

Remember, there's no free lunch here. The mandatory EU compensation doesn't just magically come out of the airlines' profits; it's built into the fare, just like any other business expense.

Maybe you answered and I missed it, but how much did you pay for the ticket in question? Unless there was some sort of extraordinary screw-up, businesses almost never compensate customers beyond the price paid for the service in question.

13
Up In The Air / Re: Airline Compensation Master Thread
« on: May 26, 2017, 06:02:44 PM »
Booked 2 Business class tickets (comped by my company) on elal paid 5,200$ each tickets. The return flight was supposed to leave 12:30 am on Friday and then elal changed it to 7am. I didn't want to risk with shabbos so my travel agent got elal to put me on the Thursday night 11pm united flight. My friend got Bussines and I was put on economy. How can I work the compensation. Also I booked it on Amex Starwood should I just dispute the charge?

Disputing the charge is highly ill-advised.

14
Up In The Air / Re: Airline Compensation Master Thread
« on: May 26, 2017, 02:24:58 AM »
Why do you say so? EU and Israeli law disagree with you He does deserve fair compensation. AA messed up badly. They tried sending on two planes that needed repairs. They got him to his destination 35 hours late. They did not set him up for the night at a hotel.

Does EU law apply to U.S. carriers for flights originating in the U.S.? (No idea why you mentioned Israeli law; we're talking about a PHL-AMS flight.)

I already suggested he mention to AA how he saved AA money on a hotel, which might yield a voucher or more miles.

15
Up In The Air / Re: Airline Compensation Master Thread
« on: May 25, 2017, 07:54:24 PM »
I'm not sure why you say he deserves so little? AA really messed up here. EU law only applies ex-EU?

"Deserve" isn't the standard here. Except in extreme circumstances, airlines don't give out free flights after a cancellation or reimburse expenses like hotel rooms at the destination.

Without knowing what this person paid for the ticket, it's impossible to know what a fair resolution might be.

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