please tell me if I am missing something with all this. as much as I should be using SPG card from now till august, there are times when its better to use other cards or =, such as at a restaurant with CSR or =, in that CSR- i get 3 UR which i could transfer to marriott (or anywhere else) or 1 spg which will turn into 3 marriott, am I correct? sorry if this is to basic,