Tag Archives: American Express

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AMEX Phone Rep Offered 10K Membership Rewards Points for Enrolling in Pay Over Time Benefit (Targeted)

Updated 7:40pm on 6/4/19: I received a letter from American Express with details of the Pay Over Time benefit.  I added the letter to the bottom of this post.


Good morning everyone, I hope you had a great weekend.  Every few days/weeks, Doctor of Credit updates his [Targeted] 10,000 Membership Rewards Points For Enrolling In Pay Over Time post with new links to try to get enrolled.  The benefit is designed to make American Express charge cards act more like credit cards where you can pay your balance over time.  The benefit is bad since you would pay interest on your balance, but the reason people want to enroll in the benefit is because American Express will give you 10,000 Membership Rewards Points just for enrolling in the benefit, regardless if you use it or not.  Every time Doctor of Credit updates the post with a new link to try, I check to see if I am eligible, but I am usually shown this error message.  But that all changed last week…

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How to Book Aer Lingus Award Tickets with British Airways Avios (Call BA to Save $100+ on Taxes & Fees)

Good morning everyone, happy Friday!  Yesterday, I was looking for a flight from San Francisco to Dublin and found this roundtrip, nonstop Aer Lingus flight for $895.36 in economy.  Aer Lingus is the only airline that flies this SFO-DUB route nonstop.  I wanted to see if there was award space on Aer Lingus (there was), award space on United Airlines (there was), award space on Iberia (nope), and award space on British Airways (yes, but not bookable online).  In this post, I will show you how I searched for award space, booked the award ticket using British Airways Avios, and saved hundreds of dollars in taxes/fees compared to booking the same flight using Aer Lingus Avios.

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My Oversold Delta Flight: $700 AMEX Gift Card, Hotel Voucher & Morning Flight

Good morning everyone.  Last week, I was flying back from Salt Lake City (SLC) to Oakland (OAK) on Delta.  The flight was oversold, so the gate agent was looking for a few volunteers to take a later flight (depart SLC at 10:30pm, land in OAK at 11:30pm) in exchange for a $700 gift card.  Since I didn’t need to get back to OAK right away, I asked the gate agent if I could take a morning flight into OAK (depart SLC at 8:30am, land in OAK at 9:30am – I would then take BART into SF for work) and I also asked for a hotel voucher for the night.  The gate agent said that was possible, so he added me to the volunteer list, and I waited near the gate for all passengers to board.  After all passengers boarded the flight, the gate agent called me up, changed my flight to the new morning flight, printed out a hotel voucher, and showed me the list of gift cards that I was eligible to claim.  I didn’t take a photo of the laminated sheet on the counter, but I believe these were the same gift cards that were offered.  I decided to go with an American Express gift card since that was basically cash to me.

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American Express Credit Card APR Based on Experian FICO Score (Effective July 3, 2019)

Good afternoon everyone, I hope you are having a great Cinco de Mayo weekend.  I was reviewing my American Express statements and spotted this upcoming change on my American Express Blue Business Plus Credit Card.  I didn’t see the same message on my personal credit cards.  According to the statement, American Express is making changes to the way your APR (annual percentage rate) is calculated.  Effective July 3, 2019, American Express is going to base your APR on your Experian FICO score (aka credit score).  This personally doesn’t affect me since I always pay off my credit cards in full every month, but this change may affect some readers that carry a balance.

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My Experience with the American Express Gold Card $100 Airline Fee Credit

Good afternoon everyone.  As part of my March App-O-Rama, I was approved for the American Express Gold Card.  A few weeks ago, I wrote How to Enroll in American Express Gold Card Benefits ($120 Dining Credit & $100 Airline Fee Credit).  In that post, I showed how to enroll in the $100 airline fee credit benefit.  The process was very easy.  I selected Southwest Airlines as my airline of choice and purchased a $100 Southwest Airlines eGC to trigger the $100 airline fee credit.  Unfortunately, my $100 purchase did not trigger the benefit.

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