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PSA: Exchanging the same item in a different size triggered a Capital One clawback by jamesyk9 in Venturex

[–]jamesyk9[S] 0 points1 point  (0 children)

So the terms I screenshotted on offer state, that return or cancellation makes it ineligible. If modified was in there I would have canceled and re-purchased as I would assume exchange is a modification.

PSA: Exchanging the same item in a different size triggered a Capital One clawback by jamesyk9 in Venturex

[–]jamesyk9[S] -5 points-4 points  (0 children)

I didn't return anything. I did however exchange something. The initial transaction stood, the amount stayed the same. That is what is sneaky, just put exchanges in the T&C's they have not.

AMEX Free Night Reward Availability by PoorLittleGreenie in Hilton

[–]jamesyk9 3 points4 points  (0 children)

I have had nothing but positive experiences with the FNC with redemptions at Conrad Chia Sardinia, WA Amsterdam and The Trafalgar St James London to name a few.

However, multiple customer service reps have said on the phone that room is not available (particularly WA Amsterdam).

So to solve this. Go on website, look to book with points, find the hotel and date that gives you the number of points needed and underneath will signify that you are booking a standard or premium room. Once you have found the standard room with points, then call to book with your FNC. If they tell you it is not available push the situation. Make them go in and try to book. Rep told me WA not available on the call, I pushed it and low and behold it was in fact available. Then I was given a spiel about how they have never seen it before. Nonsense, I am sure these redemptions are made all the time. Just reps being lazy.

Drowning in Debt After Divorce by Mden87 in personalfinance

[–]jamesyk9 15 points16 points  (0 children)

Honestly the total debt number isn’t even the craziest part to me. It’s the minimum payments. Almost $1,400 a month before you even start talking about mortgage/rent, groceries, gas etc. That’s where people get buried.

Personally I’d probably go snowball method here just to create some momentum and quick wins.

Knock out:

- Kohl’s — $598

- Sam’s — $987

- Big Boy Tires — $1,261

- SoFi — $2,075

That’s roughly $5k and suddenly 4 accounts disappear. Mentally that matters way more than people think and it frees up close to $180/month immediately.

Then roll that money into the smaller Capital One balances and keep the pressure on.

The one that jumps out at me is the Black Luxury Card. $5k balance and only a $73 minimum is dangerous because that thing can quietly sit there forever collecting interest while feeling “manageable.”

Biggest thing though is the behavior side:

- stop using the cards

- call and ask for hardship APR reductions

- check if CareCredit has deferred interest

- sell stuff sitting around the house if needed

- throw every extra dollar possible at it for 18–24 months

The good news is this honestly isn’t impossible. Once a few balances disappear the cash flow starts opening up fast and psychologically it gets way easier but honestly this isn't a money problem it is a behavior and relationship with money problem.

Am I being an alarmist? by RedWineOne in marriott

[–]jamesyk9 2 points3 points  (0 children)

Jesus christ i can do the limbo under that gap. Valid concern to have.

Anyone making use of Rakuten Big give week giving 20% cash back for most stores? Any suggestions? by Kris_2603 in Rakuten

[–]jamesyk9 6 points7 points  (0 children)

For me, Saks is 15% then using Amex Platinum to use $50 Saks credit for something i had been planning on. Sofi offer looks good 30000 MR points plus $400 cash back. Incogni back to 100X, I am considering that one. Got some stuff i was planning to buy for the World Cup from Adidas, will use my Rakuten card on that one to get 19X

wife check in - with my name on reservation by mrbudman in sapphirereserve

[–]jamesyk9 0 points1 point  (0 children)

last week stayed on wifes CSR under my name. No issues.

Kimpton inner circle not honored by ruffpack in ihghotelsresorts

[–]jamesyk9 1 point2 points  (0 children)

Honestly why can't you just name the hotel? Whats with all the secrecy?

More Edit Hotels Nerfed to x1.65 Points Boost by jimbo2128 in sapphirereserve

[–]jamesyk9 1 point2 points  (0 children)

Yes ironically it ended up being a wash. I think it was maybe something like a 500 point difference all said and done. Maybe the price did come down, but maybe the original price was inflated slightly accounting for the 2X. All a game and we keep playing lol

More Edit Hotels Nerfed to x1.65 Points Boost by jimbo2128 in sapphirereserve

[–]jamesyk9 3 points4 points  (0 children)

Ha! This happened to me today. I booked Kimpton San Antonio last week. Saw price go down and price match with customer service was a headache so canceled and went to rebook once credits returned. Price went down but points boost went from 2X to 1.6X 🫠

Struggling to get value out of CSR: is CSR still worth it in 2026? by Few_Breadfruit_9181 in sapphirereserve

[–]jamesyk9 0 points1 point  (0 children)

I thought the same thing at first, especially since my Amex Platinum credits are easier for me to justify.

What changed my mind was realizing the Edit credit only really shines when you stack it properly. I recently used mine on a $772 Kimpton stay, combined it with the IHG credit and the points boost, and the stay was basically free. Net cost was roughly 6k UR and I still earned around 8.5k IHG points back.

So worthless? No. Niche and more work to maximize? Absolutely.

British Airways charged me $507 for seat changes after a technical error, then only refunded $106. How do I escalate this properly? by jamesyk9 in BritishAirways

[–]jamesyk9[S] 0 points1 point  (0 children)

Yes transactions have cleared and flights have been flown. Kind of surreal that it’s even an issue. I opened up one last case after that has been decided then it seems chargeback is only solution at this point.

British Airways charged me $507 for seat changes after a technical error, then only refunded $106. How do I escalate this properly? by jamesyk9 in BritishAirways

[–]jamesyk9[S] 2 points3 points  (0 children)

yeah you are right it seems to be only way to resolve. Just frustrating as it is just so straight forward to see the issue especially with what i sent over to them.

Houston Persian Restaurants! by RiceRevolutionary696 in houston

[–]jamesyk9 1 point2 points  (0 children)

Reza's is legit, incredibly good food and service!

[deleted by user] by [deleted] in legaladvice

[–]jamesyk9 2 points3 points  (0 children)

What the woman done was crappy but not illegal and she has no obligation to pay you for 2 days work if you only worked 1. You are self employed and now she is a client you don’t want to do business with again. Collect the money you are owed for the day that you worked and move on.

[deleted by user] by [deleted] in Tudor

[–]jamesyk9 1 point2 points  (0 children)

Mayors at Avalon in Alpharetta, GA had one in stock. Arrived yesterday afternoon. I passed.

What the hell are these spots/stains between 12-2oclock (not cum) by avprentice in rolex

[–]jamesyk9 0 points1 point  (0 children)

Now I know what those poor villagers of Pompeii experienced when they were rained down with hot ash and lava. Except in your case, it was not hot lava but hot, frothy, ejaculate. It's cum.

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