Tag Archives: Bank of America

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How Right (& Wrong) were my 2024 Airline, Hotel & Credit Card Predictions?

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Good morning everyone, happy Friday!  I know it is a few days before the end of the year, so technically, all of these predictions could come true, but I am going to call it now.  At the beginning of the year, I wrote My Overly Ambitious 2024 Airline, Hotel & Credit Card Predictions.  The original predictions are in black, correct predictions are in green, and incorrect predictions are in red.  Without further ado, here are the results of my predictions for 2024:

My 2024 Airline Predictions

  • Alaska Airlines or Southwest Airlines will introduce a “family pooling” benefit for miles or travel credit. – Technically, Alaska Airlines doesn’t allow “family pooling”, but it is possible (right now) to move miles into a single account.  If someone in your family has a Barclays Hawaiian Airlines Credit Card, you can transfer Hawaiian Airlines Miles between accounts for free and move those miles to and from your Alaska Airlines account for free.  Read this post for step by step instructions.
  • American Airlines will allow Web Special awards to be changed online (currently, they can only be cancelled). – Nope, you cannot make changes to American Airlines Web Special awards.
  • British Airways will add another airline (besides Finnair) to the Avios family. – Nope, Qatar and Finnair were the most recent additions to the Avios family.
  • Delta will change their 15% SkyMiles discount for Delta credit cards holders. – Nope, the 15% discount for credit card holders hasn’t changed.
  • United will allow you to combine multiple travel bank funds and future flight credits for the same reservation. – Nope, it is not possible to combine travel bank funds and future flight credits for a single United Airlines reservation.

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I Paid $5,341 in Credit Card Annual Fees in 2024 – Was it Worth it?

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Good afternoon everyone, I hope your holiday season is going well.  With the end of the year right around the corner, I decided to publish my 2024 version of credit card annual fees I paid this year.  For comparison, here are my previous credit card annual fee posts:

For this year’s post, I decided to break up the list of credit cards into 5 sections:

  • Credit cards with sign up bonuses
  • Credit cards with retention offers
  • Credit cards with product changes
  • Credit cards that were closed this year
  • All other credit cards

For simplicity, I did not include the value of miles or points earned from credit card spend, but I did include the value of miles and points earned from sign up bonuses, referral bonuses, anniversary points, discounted points, and rebated points.  I counted all credits, reimbursements, and retention offers at face value.  I list the value of all tangible and intangible benefits below too.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2024 and those values are in the CCB $ column. If I received a retention offer, that is listed in the RO $ column. I listed the credit card annual fees in the AF $ column. Lastly, I used this formula to calculate the Profit or Loss (P/L column) for each credit card: CCB $ + RO $ – AF $ = P/L.  Laura’s card are included as well. Continue reading →

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How to Combine P1 and P2 Hawaiian Airlines and Alaska Airlines Miles into a Single Account

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Good afternoon everyone, I hope your week is going well. In this post, I will show you how we moved Alaska Airlines Miles into Hawaiian Airlines Miles, transferred those miles between Hawaiian Airlines accounts, and then transferred those miles to Alaska Airlines.  We wanted all of our miles to be in a single account (my Alaska Airlines account) to make award booking easier since we would book all of our award tickets from a single account.  Transfers between Alaska Airlines and Hawaiian Airlines were free and instant.  Here are the steps we did…

A few weeks ago, Laura and I transferred large chunks of American Express Membership Rewards Points into Hawaiian Airlines Miles when AMEX had a 20% transfer bonus to Hawaiian Airlines.  I transferred 417K AMEX MR Points into 500K Hawaiian Airlines Miles on August 29.

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Midyear Review: My Credit Card Retention Offer Thought Process & Results

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Good morning everyone, I hope your weekend is going well. A few days ago, I wrote about my Midyear Review: My 2024 Airline, Hotel & Credit Card Predictions (as predicted, my success rate was terrible). Thankfully, my success rate when it comes to credit card retention offers is much better. Let me ask you a question, if you could make $50, $100, or $150+ from making a phone call, would you do it? If you said yes, then you should make credit card retention offer calls.

In this post, I will share my thought process when it comes to making retention offer calls and then share my midyear results. Here are my thoughts:

1. I call every time a credit card annual fee posts to my account. I have also found that no annual fee business credit cards sometimes have retention offers, but I haven’t had much luck with no annual fee personal credit cards. Lastly, I try to call a few days after the annual fee posts to my account, but several weeks before the credit card payment is due. Continue reading →

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Midyear Review: My 2024 Airline, Hotel & Credit Card Predictions

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Good morning everyone, happy Friday!  I recently watched a Frequent Miler On The Air Podcast episode on YouTube where Greg and Nick reviewed their 2024 predictions, so I figured it would be fun to review My Overly Ambitious 2024 Airline, Hotel & Credit Card Predictions.  The original predictions are in black, correct predictions are in green, and incorrect predictions are in red.  Without further ado, here are my predictions for 2024:

My 2024 Airline Predictions

  • Alaska Airlines or Southwest Airlines will introduce a “family pooling” benefit for miles or travel credit. – Nope, but Southwest Airlines Wanna Get Away Plus fares do offer Transferable Flight Credit that can be used for other Rapid Rewards members.
  • American Airlines will allow Web Special awards to be changed online (currently, they can only be cancelled). – Nope, not yet, but I haven’t booked any AA Web Special awards recently.
  • British Airways will add another airline (besides Finnair) to the Avios family. – Nope, not yet, Qatar and Finnair were the most recent additions.
  • Delta will change their 15% SkyMiles discount for Delta credit cards holders. – Nope, not yet, I haven’t booked many Delta awards this year.
  • United will allow you to combine multiple travel bank funds and future flight credits for the same reservation. – Nope, not yet, I confirmed this a few days ago when I purchased a United Airlines flight.

Continue reading →