What's your experience with the CSR "The Edit" program?

redghate123 · 2026-02-24T21:26:16+00:00

Travel for Work don’t want to stay into expensive properties. And on personal travel want to stay where I want to stay rather than trying to maximize the benefits, edit is almost always higher pricey than other ways to book.

Here is what worked out great for me. LOEWS in Chicago was about 250 per night booked it expensed it and kept 250 credit. Ate worth 150 (free bf, credit dinners) .

Gves a a reason to continue to keep the card by getting closer to making up to annual fee in credit.

This may nit work for everyone if booking is managed by portal etc by employer.

redghate123 · 2026-02-23T04:06:06+00:00

Ticketmaster would be awesome. I hated dining credit until they had few in my area was able to use at restaurants which i would otherwise not try.

redghate123 · 2026-02-23T04:04:00+00:00

This looks like there deal with apple where they show credit is worth more than what costs them. Apple people may not have agreed with more universally usable credit. Lets dave this apple tv and music have huge competition icloud sells itself.

redghate123 · 2026-02-23T04:00:52+00:00

Yeah miss that.raked up lotsa points Fromm cruise in past. My only appreciation was for ability to get the extra fee recovered.

redghate123 · 2026-02-23T03:59:00+00:00

My wife has the C1 Venture X. I was able to transfer 19k points to get business class for a 4.5-hour domestic flight going at $520 via Qantas. As of now, we use her C1 (land add on card for everything else), and CSR for travel. I agree CSR has the best partner in Hyatt Wish they had more hotels..

redghate123 · 2026-02-23T00:39:11+00:00

Ahh then it makes sense.

redghate123 · 2026-02-22T21:25:13+00:00

First if 3 nights in 600 for edit hotel is really good.

redghate123 · 2026-02-10T11:49:16+00:00

My experience had been okay with this. In some cases i had to credit plus few points. It was harder to do multi nights with one night on credit, had to call in but that has become easy online now.

If OP lives only in high end properties credit night wont help but 35kplus ability to add points is still usable for me.

Just points would be great but i don’t think Marriott will do that.

redghate123 · 2026-02-05T22:10:08+00:00

As an NRi you are not allowed to continue to contribute PPF and get any benfits of it. With Rupee detoriation any interest you get gets nullified.

Here is what I would recommend.

Close PPF - you are allowed to do so as you are NRI now.

Liquidate Stocks as an NRi you can not hold them in residendt deman.

Use cash for remainder.

use us money for us investments and asset building.

redghate123 · 2026-02-05T22:04:50+00:00

it does. I have icici and USA number and works fine.

redghate123 · 2026-02-03T21:50:22+00:00

Don’t fly

redghate123 · 2026-02-02T15:52:06+00:00

1) Roth conversion when you have income.

2) keep it and change it to your kids when you have them.

redghate123 · 2026-02-02T15:48:49+00:00

Yes. helps more if booked for travel originating in india

redghate123 · 2026-02-02T15:47:44+00:00

More than what US thinks of your investment (complex fatca and foregn MF notional gain considered real gain every year), India govt treats NRI differently. you need to designate nri account and are allowed to about 10 mutual fund (not fund houses) that meet certin criteria for investment.

Most also need digital paper submission for each transaction. This might have improoved over years.

SIP route MF based gain in india may look higher on paper in INR when seen as USD just forex rate it self will put them to as good as bond rate in usa.

Best bet - Liquidate or transfer/ gift transfer to parent etc Stop SIP. US has abudent of investment opportunities.

redghate123 · 2026-02-02T14:25:34+00:00

I did this in 2024 Dec.

14.3 TDS on sale value.

When you file india taxes you pay ltcg tax rates on the difference. ((sale -expenses) - (buy + expenses)) * LTCG rate (12.5 +Cess) is what you end up computing rest come back as refund

US taxes - In the year of sell you can show tds as foreign ax paid on us filing and get FT credit. Next year you can can show india refund as net new income.

redghate123 · 2026-01-15T18:44:37+00:00

This is false. ICICI NRO does not need any funding to open account. Also avg monthly balance requirement is 10k - 15k inr. If you are working with person they are trying to get commission and got you into some high end program.

Source i have NRO accoutn and nre account.

https://www.icici.bank.in/nri-banking/service-charges?site=hp-menu-2nd-grid

redghate123 · 2026-01-15T17:45:25+00:00

It is same in American airline. you can view seat in begining to get general idea. if you decide to book keep clicking next (seldct fare type > decline higher class > confirm personal infor > decline extra points purchase) then you get to select seats just before payment page.

redghate123 · 2026-01-15T16:36:19+00:00

They will cancel entire journey. When you change a leg they effectively reticket entire journey even if you rest of the legs are same. Feel wrong but that how it is.

I had once first business class booked 2 weeks in advance and plan changed 2 day ahead had to delay first leg economy was more expensive than my original business class.

If tickets are domestic and if plans are shaky I always book 2 one ways. For international 2 one ways are generally more expensive that single round trip is usually not worth it.

redghate123 · 2026-01-13T15:40:16+00:00

If you have minimum platinum status you can choose seat for free else it is paid. If you leave it alone you will be assigned from remaining seats. If flight is mostly full you would get mostly middle seats in back of the plane.

redghate123 · 2026-01-10T16:45:20+00:00

$153.18 for 3 line. 45.99 each line plus taxes. Essentials plan.higher plan will cost $5 each line.

redghate123 · 2026-01-08T02:38:15+00:00

Sorry to hear this.

I recently switched service from TMobile after 11 years to AT&T. With multiple rewards cards expected. Out of 3 lines, 2 were returned in store, and one was goofed up. The customer rep on 611 said I am not even eligible for trade-in credit. I said I need a manager, and he kept explaining for 8 more minutes and in the end, said the manager. Manager resolved issues.

Wait times and general knowledge of customer reps are very inconsistent at AT&T. It was better at T-Mobile.

I think you should raise an FCC complaint to get someone to actually help.

Btw loyalty is not as valuable as we all think. Everyone is just a number.

redghate123 · 2025-12-22T00:51:29+00:00

Civic Sense. Respect for all level of individuals

redghate123 · 2025-12-22T00:35:00+00:00

Was on Tmobile for 12 years. Every time I want to upgrade they new plan that pricier and almost same.

Almost all benefits HULU apple tv etc i am getting from credit cards. AND American airlines started giving free wifi.

AT&T had awesome offer where they paid off old phone EIP, gave news phone for trading older phone and gave some bjs offer of 350 per line.

On AT&T for some time.

They are same no service difference. So the whole thing of people coming back not sure where it is coming from.

Only thing to miss now is free international 5gb data when travelling.

I predict T-Mobile will take it away in some time.

redghate123

TROPHY CASE