Category Archives: Credit Cards

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Prorated Annual Fee Refund Posted After Converting Citi Premier into Citi Rewards+

Good morning everyone.  A few months ago, I converted my Citi Premier Credit Card into a Citi Rewards+ Credit Card.  My new Citi Rewards+ Credit Card arrived a few months ago and the 60 day conversion period just finished.  This morning when I was looking at my Citi online account, I noticed a $50.41 credit on my Citi Rewards+ Credit Card.  After doing some digging, I found out that this is a partial annual fee refund of the $95 from my Citi Premier Credit Card.

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Counter Point: Why I Currently Book Flights with Citi Thank You Points Instead of Chase Ultimate Rewards Points

Good morning everyone, I hope you had a great weekend.  First off, the title is not a typo, I have started using my Citi Thank You Points instead of my Chase Ultimate Rewards Points to book a few recent flights.  Secondly, the title is true for me now, but could change down the road.  And lastly, you are totally right to disagree with me and prefer using your Chase Ultimate Rewards Points.  But, let me share my perspective and reasoning with you so that you can see where I am coming from.

Long story short, I am planning an upcoming trip to Africa and will visit a few countries near South Africa.  After checking schedules and prices, I decided to book a South African Airways flight from Livingstone, Zambia (near Victoria Falls) to Johannesburg, South Africa.  Now the question was, should I book it directly with my credit card, or should I use my Citi Thank You Points or Chase Ultimate Rewards Points to pay for the flight?

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American Express Card Changes: Trip Delay Insurance; Corporate Card Lower Annual Fees & Earning Rates [Updated 11/4]

Updated 8:30am PT on 11/4: I just reviewed my American Express Business Platinum Charge Card statement and noticed changes to trip cancellation / interruption insurance, trip delay insurance, Boingo Preferred Plan, and Gogo Preferred Plan.  Please scroll to the bottom of the post to see those updates.


Good afternoon everyone, I hope your weekend is going well.  I was just reviewing my recent American Express credit card statements and spotted a few announcements / changes.  None of these changes seem that important to me, but they do cover Gold Card trip delay insurance, corporate card annual fees, corporate card earning rates, Green Card bonus categories, and mediation / arbitration.  This statement came from my American Express Gold Card, but I saw most of the same announcements / changes listed on my other American Express credit card statements too.

Effective January 1, 2020, the American Express Gold Card is introducing trip delay insurance.  This insurance only kicks in when you book a roundtrip flight and your flight is more than 12 hours delayed.  If that happens, you are covered for up to $300 in reimbursements for meals and accommodations.  It says this coverage is secondary, so it must kick in after the airline’s coverage (primary coverage).  I’m not sure how competitive that is with other premium travel rewards credit cards.

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How to Redeem City National Bank CNB Visa Infinite Points for Cash Back, Gift Cards & Merchandise

Good morning everyone.  After yesterday’s massive devaluation of the City National Bank CNB Crystal Visa Infinite Credit Card (Doctor of Credit and Frequent Miler), I started planning to close this credit card since my $400 annual fee is scheduled to be billed later this month.  But first, I had a few orphaned CNB Points that I wanted to redeem.  If you only have a few thousand CNB Points, there are not many good redemption offers, but I will show you what I saw and what I learned during this process.  To get started, sign into your CNB Rewards account or create an account.

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My Failed Experiment to Cut the Comcast Xfinity Cable Cord

Good morning everyone.  My wife and I have Comcast Xfinity internet and cable TV at home and I was considering cutting the cord to save money on our cable TV subscription.  I don’t really watch live TV (news or sports), but I do love watching recorded TV shows from our DVR (mostly reality TV and sitcoms).  I have the Comcast Xfinity Stream app on my iPhone and love that I can download any show from our DVR onto the app (also works great on our iPad).  I can watch TV shows on my commute to work (on the train and ferry) and when I travel on a plane.  Having the shows pre-downloaded vs. streaming to my iPhone is really important to me since I do not have unlimited 4G/5G data, WiFi on my commute and on planes is slow, and some spots have no cell or WiFi signal at all.

In my experiment, I tried to replace Comcast Xfinity cable TV with Sling TV, Hulu, and CBS All Access.  My experiment did not go as smoothly as I had hoped, but I will show you what I learned from these 3 streaming services and apps (and their shortcomings, from my perspective).

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