Author Topic: Dumb mistakes we make playing these games.  (Read 248178 times)

Offline chevron

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Re: Dumb mistakes we make playing these games.
« Reply #1220 on: February 06, 2023, 12:34:47 AM »
Almost dumb. I asked this in the Hyatt thread:Was talking to my son about it. He wanted to know if I was stupid. Didn't answer that one.
He asked "do you know how many SUB you can get for the spend you are going to do"?
Case closed!!!  :-[

I'd say $100-200 per stay value
Free parking on award nights is $40+
Free breakfast especially if you aren't kosher / cy worth $30-45 pp
Upgrades .. infinite value
Nights achieved - 30 nights cat 1-4 $150+
40 nights $100 gc
60 nights cat 1-7 $300?

Figure, on 30 nights actual stay, 30 nights spend ($75,000)

You'd have 75k min points (lots of bonus spend offers)
3 cat 1-4 $450
1 cat 1-7 $300
1 gc $100

That's $850 plus $3000 built in value on 30 nights... So $3850 value

Offline CountValentine

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Re: Dumb mistakes we make playing these games.
« Reply #1221 on: February 06, 2023, 12:52:27 AM »
That's $850 plus $3000 built in value on 30 nights... So $3850 value
Let's say your calculations are correct. 75K on SUB will get me 8-12k in cashback.
Only on DDF does 24/6 mean 24/5/half/half

Offline EliJelly

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Re: Dumb mistakes we make playing these games.
« Reply #1222 on: February 06, 2023, 01:14:25 AM »
Let's say your calculations are correct. 75K on SUB will get me 8-12k in cashback.

Most people are limited in how many cards they can open.

Offline EliJelly

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Re: Dumb mistakes we make playing these games.
« Reply #1223 on: March 13, 2023, 03:59:03 PM »
Opened an Ink card 5 months ago and for some reason thought I reached already the $6k threshold, seeing now I was a few hundred bucks short :(

(Anything I could do at this point?) @Dan ?
« Last Edit: March 13, 2023, 04:05:44 PM by EliJelly »

Offline Dan

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Re: Dumb mistakes we make playing these games.
« Reply #1224 on: March 14, 2023, 09:36:13 AM »
Opened an Ink card 5 months ago and for some reason thought I reached already the $6k threshold, seeing now I was a few hundred bucks short :(

(Anything I could do at this point?) @Dan ?
Tried begging for mercy?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline EliJelly

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Re: Dumb mistakes we make playing these games.
« Reply #1225 on: March 14, 2023, 10:52:21 AM »
Tried begging for mercy?

Tried that. I asked for someone with more authority and told me to call back. Will see.

Offline CountValentine

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Re: Dumb mistakes we make playing these games.
« Reply #1226 on: March 14, 2023, 11:10:14 AM »
Bought T-bills and forgot to check CD's which had a higher rate.
Only on DDF does 24/6 mean 24/5/half/half

Offline Yo ssi

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Re: Dumb mistakes we make playing these games.
« Reply #1227 on: March 14, 2023, 11:37:46 AM »
Bought T-bills and forgot to check CD's which had a higher rate.
Calculated with tax?
_    ,
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Offline CountValentine

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Re: Dumb mistakes we make playing these games.
« Reply #1228 on: March 14, 2023, 11:40:54 AM »
Calculated with tax?
Add that to list of dumb mistakes.

ETA: How would you calculate this? Say the interest rate was 5% and you pay 6% in state tax. Just multiply 5 x .94 to get an effective rate of 4.7%?
« Last Edit: March 14, 2023, 11:46:02 AM by CountValentine »
Only on DDF does 24/6 mean 24/5/half/half

Offline Dan

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Re: Dumb mistakes we make playing these games.
« Reply #1229 on: March 14, 2023, 11:46:24 AM »
Bought T-bills and forgot to check CD's which had a higher rate.
Rate?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline CountValentine

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Re: Dumb mistakes we make playing these games.
« Reply #1230 on: March 14, 2023, 11:50:28 AM »
Rate?
1 year T-bill 4.82% and CD 5.35%.
Only on DDF does 24/6 mean 24/5/half/half

Offline Hjay

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Re: Dumb mistakes we make playing these games.
« Reply #1231 on: March 16, 2023, 02:41:55 PM »
Forgot to activate 1/4 freedom cards, & charged $1,500. Would chase do anything for me through SM?

If the store refunds me & charges a diff card are they losing money (cc processing fees)?

Online etech0

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Re: Dumb mistakes we make playing these games.
« Reply #1232 on: March 16, 2023, 02:42:27 PM »
If the store refunds me & charges a diff card are they losing money (cc processing fees)?
yes unless they can void it (usually within 24 hours)
Workflowy. You won't know what you're missing until you try it.

Offline Euclid

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Re: Dumb mistakes we make playing these games.
« Reply #1233 on: March 16, 2023, 02:44:44 PM »
Forgot to activate 1/4 freedom cards, & charged $1,500. Would chase do anything for me through SM?

If the store refunds me & charges a diff card are they losing money (cc processing fees)?
I thought you can activate it now and it works retroactively for a that quarter's charges?

Offline Hjay

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Re: Dumb mistakes we make playing these games.
« Reply #1234 on: March 16, 2023, 02:55:40 PM »
I thought you can activate it now and it works retroactively for a that quarter's charges?

Yesterday was last day…

Offline Essen est zich

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Re: Dumb mistakes we make playing these games.
« Reply #1235 on: March 16, 2023, 07:23:36 PM »
Forgot to downgrade my capital one venture card.
Shloffen Shloft Zich

Offline ~King Lake~

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Re: Dumb mistakes we make playing these games.
« Reply #1236 on: March 21, 2023, 07:41:09 AM »
Ordered on Saks Off Fifth something I would never buy just to use the Amex Platinum $50 credit only to realize that the credit is only on Saks Fifth
I’m in shape, round is a shape…

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Re: Dumb mistakes we make playing these games.
« Reply #1237 on: August 09, 2023, 07:34:58 PM »
Does the following belong in this thread?

Besides for the 0% apr balance, is there a level of ramping up spending that triggers issues? What is considered a safe ramp-up level?

Not sure if there's a better thread, but I fear what might be coming down the pipeline with AMEX.

I recently applied for AMEX Blue Business Cash accounts for myself and DW.

Given the 2% cash back and 12 months of 0% APR, I moved other credit lines to these accounts and maxed them out at about 40k each.

Last week I got notices on the BP accounts to make a payment in order to avoid declined charges. This was despite a $0 balance on DW's account. I made a $1 payment on her account just in case some flag was there, and on my own account I brought down the balance (mid cycle) by about $2,500 (intending to pay the rest when due).

However, it seems like AMEX is restricting usage on both BP accounts to charges of up to $100. Additionally, they cut the CL on DW's AMEX Everyday Preferred from 15k to under 1k.

Does this mean bad news in the pipeline? Any way to prepare preemptively?
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Offline Euclid

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Re: Dumb mistakes we make playing these games.
« Reply #1238 on: December 13, 2023, 04:42:14 PM »
Jigged an address that starts with an i using an l.

Forgot that labels are capitalized, so now my item is going to 18 LDAHO DRIVE, instead of 18 IDAHO DRIVE. Let's see how smart FedEx is...

Offline Alexsei

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Re: Dumb mistakes we make playing these games.
« Reply #1239 on: December 13, 2023, 06:20:28 PM »
Jigged an address that starts with an i using an l.

Forgot that labels are capitalized, so now my item is going to 18 LDAHO DRIVE, instead of 18 IDAHO DRIVE. Let's see how smart FedEx is...
They don't need to be too smart with zip+4
Jews ≠ Zionists
Palestinians ≠ Hamas
Satmar ≠ SatmarHQ