01-07-2015, 02:22 AM
It can be fun, and rewarding, to milk the system. After all, it isn't dishonest.
The American card has a yearly fee upon renewal ($75?) which should be taken into account. I do wonder what items get purchased by your husband with those gift cards.
What some people fail to consider is the 35 cents plus 3 percent the retailer has to pay to process the cc charge, which, like theft (bad example, sorry) has to be considered by the merchant when he is pricing things. Both are the cost of business, but if I have enough cash in my pocket, I try to save the vendor that 3 percent.
But I don't accept free samples if I know I will never buy the product either.
I'm bailing out of Americans Advantage program. The only seats available seem to require me to overnight for a connecting flight and sometimes requires a 3rd leg. Maybe if I had a hotel voucher at a Hyatt Regency it wouldn't as hard as the airport floor, but it wouldn't improve the time required.
As for credit scores, which can affect loan rates if buying a house, I received a letter from one CC company saying they were increasing my interest rate due to my credit score and spending habits (which were almost nill). I did a LOL because my score is 840 out of a possible 850.
The American card has a yearly fee upon renewal ($75?) which should be taken into account. I do wonder what items get purchased by your husband with those gift cards.
What some people fail to consider is the 35 cents plus 3 percent the retailer has to pay to process the cc charge, which, like theft (bad example, sorry) has to be considered by the merchant when he is pricing things. Both are the cost of business, but if I have enough cash in my pocket, I try to save the vendor that 3 percent.
But I don't accept free samples if I know I will never buy the product either.
I'm bailing out of Americans Advantage program. The only seats available seem to require me to overnight for a connecting flight and sometimes requires a 3rd leg. Maybe if I had a hotel voucher at a Hyatt Regency it wouldn't as hard as the airport floor, but it wouldn't improve the time required.
As for credit scores, which can affect loan rates if buying a house, I received a letter from one CC company saying they were increasing my interest rate due to my credit score and spending habits (which were almost nill). I did a LOL because my score is 840 out of a possible 850.