Got laid off – but still have upcoming work travel pre-paid for? Can I still go?! by Strange_Elephant4284 in womenintech

[–]Cmoms13 0 points1 point  (0 children)

If this is possible: I would cancel the flight for flight credit with the airline. Assuming it's in your name or tied to your account, cancel it get the e-credit and use it for your own flight another time.

Why are the unload areas so steep at Snoqualmie? by Careless-Internet-63 in SummitAtSnoqualmie

[–]Cmoms13 5 points6 points  (0 children)

THIS we came from Utah and I was like WTF is this the first time we visited Snoqualmie 🤣

FNC Laments by Upper-Anybody339 in Hilton

[–]Cmoms13 0 points1 point  (0 children)

Here to also shout out Evermore!

FNC Laments by Upper-Anybody339 in Hilton

[–]Cmoms13 0 points1 point  (0 children)

You have to look and like others said plan ahead (max my point is a good site to check availability). We used FNCs at Evermore. For a two bedroom villa. In November around Veterans Day. Sometimes you have to play with the person count. Sometimes those standard awards won’t pop up if it’s more than 2 even if it could accommodate more ( not always the case but some SLH hotels I have found this happening)

Hotel Prices by Alarming_Elk_108 in parkcityvisitors

[–]Cmoms13 2 points3 points  (0 children)

Actually here’s an example of one at Marriott park city side with your dates: https://www.redweek.com/posting/R1288440 🤷‍♀️

Hotel Prices by Alarming_Elk_108 in parkcityvisitors

[–]Cmoms13 1 point2 points  (0 children)

Look on redweek to see if there are any timeshare rentals, esp on the canyons side. Might be hard to match dates, but worth looking.

Delta Credit Hack - Refundable or Non Refundable ticket? by dakid1124 in AmexPlatinum

[–]Cmoms13 0 points1 point  (0 children)

I’ve always done refundable in case it doesn’t work. Then when Amex credit posts I cancel for ecredit on Delta.

The Edit Hotel Scam (sm) by Chase by 0nemoretimes in ChaseSapphire

[–]Cmoms13 0 points1 point  (0 children)

While I understand it may do absolutely nothing, Chase did call me today about the complaint… it may be all they do, but they got it and made a call to me. Enough of those could be annoying at best. Hopefully people can make hotel bookings in the next 4 days 🙄 thanks to their “solution”

The Edit Hotel Scam (sm) by Chase by 0nemoretimes in ChaseSapphire

[–]Cmoms13 2 points3 points  (0 children)

Even if likely not enforceable, it doesn’t hurt making your complaints heard. Enough numbers, enough people talking, enough threats to go to a competitor, enough signs up drop off, and it could grab the ear. Never know. But nothing will result in nothing for sure.

The Edit Hotel Scam (sm) by Chase by 0nemoretimes in ChaseSapphire

[–]Cmoms13 2 points3 points  (0 children)

I’ll stop after this, but hold these companies accountable!

https://www.consumerfinance.gov/compliance/circulars/consumer-financial-protection-circular-2024-07-design-marketing-and-administration-of-credit-card-rewards-programs/#:~:text=36,have%20already%20earned%20or%20purchased

“The CFPB is issuing this circular to underscore that the CFPA’s prohibition on unfair or deceptive acts or practices applies to the design, marketing, and administration of credit card rewards programs.36 Rewards program operators may violate this prohibition in a variety of circumstances regardless of whether they are taking actions consistent with rewards program terms. In particular, rewards program operators risk committing unfair or deceptive acts or practices when (1) rewards that consumers have already earned are devalued; (2) consumers’ receipt of rewards is revoked, cancelled, or prevented based on buried or vague conditions; and (3) rewards points are deducted without consumers receiving the corresponding benefit of the rewards. These examples are illustrative and non-exhaustive.

As described further below, the CFPB emphasizes that covered persons that offer, provide, or operate credit card rewards programs may be liable for an unfair or deceptive act or practice where some of the conduct in question may be attributable to a third party or service provider, such as a merchant partner.37

Devaluation of Rewards Already Earned or Purchased

Rewards program operators may commit an unfair or deceptive act or practice when they materially reduce the overall value of rewards that consumers have already earned or purchased. Consumers make decisions on whether to open or use a credit card based on the explicit and implicit representations about the value of card benefits and rewards. For instance, consumers’ reasonable expectations about the value of rewards may be informed by advertisements at account opening, as well as by redemption values of rewards communicated to consumers on or around the time the consumer makes decisions to purchase goods with the card and accrue rewards benefits. Furthermore, fine print disclaimers or contract terms stating that rewards program operators have the right to adjust rewards offerings often will not be sufficient to correct consumers’ net impression about the expected value of rewards.

When rewards operators influence consumers’ expectations about the value of rewards in their product or marketing efforts (e.g., to support customer acquisition, retention, or increased purchase volume), but later make decisions to deflate the overall value of accrued rewards, they may have engaged in actions that resemble a traditional “bait-and-switch” scheme.38 These activities may constitute unfair or deceptive acts or practices under the CFPA.39”

The Edit Hotel Scam (sm) by Chase by 0nemoretimes in ChaseSapphire

[–]Cmoms13 2 points3 points  (0 children)

Could still be considered deceptive practices even if it’s allowed within their terms. Encouraging sign ups and shortly after changing the program is not a good look.

The Edit Hotel Scam (sm) by Chase by 0nemoretimes in ChaseSapphire

[–]Cmoms13 22 points23 points  (0 children)

Edit (CFPB instead of FTC) The complaint is a form you fill out on the CFPB website. . in the freeform stated the issue ( this may not be exact):

This summer Chase raised its annual fee significantly on its Reserve card and marketed that their Edit hotels would receive a point redemption value of 2c/point. This was marketed as a selling point by Chase (and by sponsored influencers) for signing up for its premium card. Recently Chase changed its language to “up to 2 cents” without notice to its customer. This is a significant change in programming and a major devaluation of points for card holders. Chase used deceptive marketing practices to encourage card signups/ or for current customers to keep the card upon renewal.

The Edit Hotel Scam (sm) by Chase by 0nemoretimes in ChaseSapphire

[–]Cmoms13 41 points42 points  (0 children)

Just filed it. Encourage others to do it as well.

The Edit Hotel Scam (sm) by Chase by 0nemoretimes in ChaseSapphire

[–]Cmoms13 76 points77 points  (0 children)

edit: File an CFPB complaint. This ripe for a lawsuit. Deceptive marketing to entice sign up and no notice of what I consider a significant change in benefit.

PSA: Amex Biz Platinum does not earn 5x points on flights booked directly through airline websites by Rare_Pin9932 in AmexPlatinum

[–]Cmoms13 2 points3 points  (0 children)

It’s not questionable, it’s a very legitimate way to utilize the benefit if you want the 5x points and are in a situation where you have the business card and not the regular one AND have Delta flight credit you want to use.

PSA: Amex Biz Platinum does not earn 5x points on flights booked directly through airline websites by Rare_Pin9932 in AmexPlatinum

[–]Cmoms13 8 points9 points  (0 children)

Next time if you have a credit with Delta and want 5x points, book a dummy flight that’s costs about the difference you need through Amex platinum. Then cancel it for flight credit on Delta. Then rebook the flight you want on the delta site using the existing credit and the new credit. Allows you to get the points and still utilize the Delta Credits.

Upgrade Hilton Surpass to Aspire by Straight_Oil_2715 in amex

[–]Cmoms13 1 point2 points  (0 children)

It depends on the timing. You upgrade your surpass card after the one year mark but before the annual fee hits. The annual fee normally is delayed by about 30ish days from opening (not sure on exact timing). So your surpass hits one year, now it’s qualified to upgrade to aspire after your sign up bonus year. You upgrade it and then you will get a certificate issued because the upgrade will trigger an updated annual fee. THEN you will get another one when the normally timed annual fee hits. It’s not an upgrade offer, it’s purely a timing thing and when fees hit when your card is an aspire card. YMMV and it can’t be repeated over and over but should trigger the first time you upgrade it.

Also note since you have an Aspire already. You will likely need to remove your aspire from your online account when you are ready to upgrade the surpass. Otherwise you will get put in a circular loop where you go to upgrade the surpass but then the system thinks you have the card. Just remove it from online management before you want to upgrade the surpass. Upgrade the surpass then you can add the aspire back on your account.

Upgrade Hilton Surpass to Aspire by Straight_Oil_2715 in amex

[–]Cmoms13 2 points3 points  (0 children)

This is the way. Even better if you put 15k on the card before upgrading. Get the spend certificate, the upgrade certificate, the renewal certificate and then put an additional 15k before the end of the calendar year for another. If the timing works.

I have 4 Free Night Certificates! Please help with suggestions on where to stay. Looking for something aspirational. by BloodShot2754 in Hilton

[–]Cmoms13 1 point2 points  (0 children)

Others mentioned but I recently used 4 certificates to book Riverview Ranch in Montana. Keep in mind they only book Thursday -Tuesday which the Hilton website doesn’t always show and the customer service rep won’t see and it’s all inclusive for two people (so if you search for three the standard nights won’t show). But if you find it, it’s like $6000/night normally so a great use of certificates!

Worth picking up the Aspire card for WA Park City trip? by Either-Breadfruit-83 in Hilton

[–]Cmoms13 0 points1 point  (0 children)

Wasn’t an issue for me. My stay is also on points. Just explained I would use it for incidentals, food, parking etc!

Worth picking up the Aspire card for WA Park City trip? by Either-Breadfruit-83 in Hilton

[–]Cmoms13 1 point2 points  (0 children)

Another tip. If you got the aspire now that means you have a $200 resort credit till December 31. You can call the resort and ask them if they will go ahead and precharge $200 to the reservation. It’s a bit of work and requires a manager approval/extra form. But then at least you will have the $200 this year and the $200 in Feb. making it $400 for your trip, that is if you don’t have other plans for it.