Contact Me


I love answering questions from my readers and want you to travel for less!

Please leave a comment below with any requests, travel anecdotes, or topics which you’d like me to cover on the blog.

Or tweet me @MilMileSecrets for a quicker response!

I’d be delighted to make your travel dreams a reality!

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

4,728 Responses to Contact Me

  1. Daraius,

    If I due the minimum spending on a card and then balance transfer to another card do I lose the bonus miles? I just got the AA platinum select and I noticed that the US Airways MasterCard has a 0% apr for balance transfers. So I am considering transferring the balance and just paying the transfer fee to save on interest. Thoughts? Thank you.

  2. Hi Darius,

    Yes, it would be great for an update on the Visa gift card to Bluebird scenario. I am having trouble finding a place here in Atlanta where I can buy a $500 gift card with a credit card. Office Depot carries the variable cards and requires cash.

    Also, I wonder if there is a website or app that will allow you to easily or fairly easy scan all airline sites to see the mileage required for round trip tickets business class or first class. I live in Atlanta and have 75,000 Delta miles so I know I can go somewhere at least business class, but finding a trip is time consuming and willing to go anywhere in Europe. Any ideas or suggestions would be great.

  3. John Zaroff

    Even though SWA has stopped the 50,000 RR offer, my wife got a letter from SWA with a referral code. Anyone who signs up by 9/1/14 gets the 50,000 RR offer plus my wife would get 5000 RR points. If interested for someone, let me know.

    John Zaroff

  4. Hi Daraius,

    Do you still advocate the use of ChargeSmart to pay down loans using a credit card for those companies that don’t accept credit card payments?

    About to close out a lease and buy the car, but want to meet min spend requirements and use the card to pay.

    Thanks for any insight you can provide!

  5. If I’m doing a major remodel on my house… contractor takes visa, amex, and master card. will total 75k. What is the best way to maximize credit card points. I currently have amex platinum, amex starwood, chase sapphire preferred, capitol one venture one. I want to see if I can manage to get a vacation paid for.

  6. Jayes Patel

    How is Marriott Rewards Premier CC with 70k points . I am planning to apply for one.

  7. @Ross – See the Hot Deals page

    @ Kate – You won’t lose the points if you transfer to the Freedom. But you won’t be able to transfer to airlines or hotels.

    @Adelina Belic – Thanks, but I don’t do those type of promotions.

    @James B. – Yes, the authorized user can also get the card (and bonus) for themselves.

    @Jim S – It is only $25 for each extra cancellation on an AA award. I’m not sure if the Barclays Arrival or AMEX Platinum will reimburse cancellation fees, but could be worth a try.

    @Dave D – I don’t believe they do any more.

    @ Herman – I’ll have a series of posts on this, but Best Rate Guarantees aren’t easy to work with.

    @ trent – Congrats!

    @John – 2% is worth it for the sign-up bonus on many cards. Yes, you avoid the credit inquiry when converting a card. But I prefer the sing up bonus.

    @Katie – That’s a tough route, and the best answer is to check the airline websites to see what award availability looks like.

    @ Robben – A few weeks after getting the new card!

    @ Rachit – Doesn’t hurt to ask.

    @ Ron – You could get the no fee AMEX EveryDay card which will keep the points active (as long as accounts are linked).

    @ Farry – Yes, it is best to check by breaking down into individual segments. No, you won’t have to recheck your bags if they are all on the same itinerary.

    @ Robbie – You can add the other person as the 2nd guest and have them check in.

    @Vicky – I’d wait a week and see if the money goes back to your card.

    @Raymond – Yes. See this post.

    @ Dennis – It is still benefit of Gold status.

    @Ana – Travel before the expiry date.

    @Prabir Mehta – That sounds true. You could get the business card after 65 days.

    @susan – Unfortunately, I don’t much about the UK market, so I won’t be able to help.

    @ occ – Call Citi and ask them what number they have associated with your account.

    @krista – Depending on where you want to go, you could get cards for Hawaii. Hyatt has hotels in Kauai and Maui. I’d go to the United site and see if you can get award flights to Hawaii. You can also get American Airlines miles and then fly 1 -way using AA miles and 1-way using United miles.

    @Bob Hall – Depends on your goals, but I’d move on to other cards.

    @Bill – You can’t.

    @Jason Wasserburger – You can’t combine United miles and Capital One Venture miles.

    @best_daddy – There are only versions currently available – both are Visas.

    @ Rohan – Check the flight deal for cheap air fares.

    @Carmen B – Perhaps American Airlines and/or United miles would help.

    @ scott – That’s a good idea for a post!

    @ Vicki – Only with very few cards.

    @ Nathan – No, you don’t lose the miles but be careful of the fees on the balance transfers.

    @Kathy – I don’t know of such a site. And very few Visa cards currently work with Bluebird (try Simon Mall cards).

    @ Steve – I’d do it to get the sign-up bonus, but not for regular spending.

  8. Thanks for your reply!

    That’s exactly my purpose for using ChargeSmart.

    To pay off the lease buyout using a CC which the dealership and finance company won’t accept for payment.

    If you play around with the payment numbers, I’ve gotten the charge down close to 2.2%.

    Considering the rewards coming back (think Citi AA Exec :) times two), it seems to be worth the surcharge.

    Not to mention transferring the balance to the $0 fee 0% Slate for 15 months.

    Money in the bank can be used for higher value investments in the meantime, and pay it all off next year!

    Here’s hoping it all works out, thanks to your guidance in the blogs!

  9. Darius, I advised a relative in Canada about your great website & its tips. Do you know of a similar website for citizens of Canada . Thanks.

  10. Greetings Daraius,
    Re: amex MR points. The point value i come up with on the amex site for hotel stays = ~ .007 cents per point. Am I missing something? This seems to be a horrible value considering i value SPG points @ ~ .027 to .03 cents per point. It seems i would enjoy more value shifting MR points to SPG ( even @ 3:1 ). Your thoughts please. Thank you.

  11. Thank you Daraius, with the fee being 3% I should still come out ahead by a decent amount. Plus that hits the spending needed for the US Airways card too. Have a good one.

  12. Daraius,

    I’m worried that I’m getting too much open credit and will eventually be denied. I’ve downgraded many of my cards (Citi Thank you, Citi AA, Chase Sapphire, Chase United & a couple others) in order to avoid annual fees but they are still open with large limits. I just opened my Chase Ink Plus and would like to do the Chase Ink Bold (under my sole proprietorship) and early next year I plan to open two Southwest Airlines cards to make a play at 110,000 SW rapid reward points. I also have British Airways with Chase. Am I running with too much open credit? Should I begin to cancel the $0 annual fee cards that I don’t use and what is the best process to do so? I’ve only kept them open to avoid dinging my score which is in the 770-780 range. Income is $129,000.

  13. Hi Daraius:
    You indicate that BA AVIOS points may be used on partner airlines. (source:
    I tried to do so on the LAN web site for a flight to SCL from SFO and there is no option on the Ticket Purchase screen to use AVIOS points. Did the same on the BA web site and there are not option for using LAN. What I am missing ? Thanks in advance for your response.

  14. Hi Daraius,

    Thanks for the great info here!

    My sister got 3 great targeted AMEX offers which are offering much higher signup bonuses on CCs than standard. She signed up for one but was asking whether AMEX would give her bonus on all three cards(they are gold, everyday, & platinum) if she apply for them in short time.

  15. Hello, is there a website that would show me the best choices for rewards miles between two locations? For instance we are looking to fly from Orlando to Cancun and Delta seems to have the best exchange at 30k points. Especially, for the days we want to fly. Thanks, Ron

  16. Hi, Would you know how one could use Turkish Airline miles on United or any other airline?


  17. Darius, can you tell for what “click through” offers you get a commission? Citibank is claiming I should not get the $100 statement credit for a Hilton stay on my Citi Hilton Reserve, but I clicked through on your link which included that offer, back in early April (to pay my taxes!) I can get the exact date (maybe?) if you need it. Just wondering if this is even possible. Thanks.

  18. Daraius,

    Do you know anything about the PNC Bank visa credit card? Their website offers 50,000 points after spending $750 in the first 3 months. I’d like to know what these points are worth. I don’t see any previous write-up about PNC credit cards on your site.


  19. pinkscarf80

    Darius! Im so confused! please help! I am in Italy right now having our engagement rings made and since my scheduled fllight leaves tomorrow morning, and the rings arent ready, I had to change my ticket to preserve my United miles! I looked up the change fee chart and I have NO IDEA what just happened. I do have the united explorer card but I dont think i have any status. I changed my ticket online from the flight leaving tomorrow morning to a flight leaving in early september, keeping same itinerary. (there was actually a 12 dollar credit) and there was $0 change fee! THEN i went to go change the NEW ticket (not completing the new change..just wanting to see what a fee would look like when I actually did) changed the leaving date to a couple days from now, and even changed the origin/arrival locations and the fee was $50. NO clue whats going on, doesnt seem consistant with the fee chart! seems like if anything the NEW fee should be $0 since it is more than 21 days out till new departure date! any ideas?????

  20. I have a problem and I would like to know if you can help, A friend of mine lost all his amex points last month (800k),
    he stopped paying minimum payment 6k a month) so they canceled account.

    Do you know a way how to retrieve the points?

    I’m willing to pay one minimum payment in order to get this points back.

  21. AnnoyinglyLazy

    I got my Citi Hilton card. How do i get HHonors acct? Call citi or hhonors?


  22. Hi
    I am currently a Marriott Platinum Member and have the Marriott Chase Visa Signature card, I see they are now offering a 70K sign up bonus if I apply for another one(and keep the one I have) and attach my Marriott number will I receive the sign up bonus? Also you get 15 nights credited towards elite status so if I have 2 of the same card will they credit me 30 night?

    Thanks for your help!!

  23. Hi Dariaus,

    A question about shifting credit limits around between different cards from the same bank.

    As far as I can tell from the credit reports I have obtained earlier, the bank reports both the credit limit and the highest balance to the reporting agencies. Suppose I have $5000 as a limit on a card and my highest balance so far has been $2500. What would happen if I move the limit from this card to another, and drop the limit on this card to $2000. Won’t that adversely affect my credit report? Because it will from this point onwards show the credit limit as being lower than the highest balance. From what I see, the credit report doesn’t have a way of showing these ‘changes’, it just shows the stock numbers at a point in time.

    Should I therefore keep the credit limit above the highest balance on that card at any given point in time?

  24. TravelingIsFun

    Looking for some advice here…

    I have the US Airways Barclays card that was available from last year (the 40K, no AF the 1st year) card with the account opened in June of 2013. They offered to waive the fee if I kept the card despite the fact that I had only spent $1 on the card, so I still have this card.

    Tried applying for a 2nd USAir card in June of 2014. However, it was the other version of this card that waived the AF the first year if you had status with the airline. I didn’t have the status but applied any way. A mistake in hindsight for sure. My application was immediately rejected and the reason stated was that I didn’t have the status needed. A letter I later received in the mail did state that no credit bureau was used in making this decision.

    I then tried to apply for this 40K with AF version of the card about a week later. My application for this card was also immediately rejected with the reason being that I had applied for another Barclays product within the last 30 days and was not eligible to apply for another card until after 30 days. I did not receive a rejection letter in the mail for this.

    I waited around 37 days and then reapplied for this card again and received the “under review” notice after submitting my application. Rejection letter came in the mail today with the reason stating “too many recent applications.” I take this to mean too many recent applications with Barclays…because outside of these US Airways applications , I have only applied for 3 cards in the last year and 1 in the last 6 months (data point: was accepted for 2/3 cards and my credit score is around 810). I also say this must mean “too many recent applications” with barclays as well because this letter also said a credit bureau was not used in making this decision, which I found both strange and interesting. Although I’m at least happy that this will not create any hard pull.

    So I tried calling recon and asked if my application could be reconsidered if I agreed to move around some credit. The rep pulled up my info and said he saw that I already had a US Airways card then claimed he wouldn’t be able to push the app through because I already had a similar product and that the Airline mandates only 1 credit card account per social security number.

    Obviously a BS response, because many others have reported having multiple versions of this card on other sites. Any suggestions for calling back again? Obviously, it may come down to luck for a second callback, but I’m just wondering why he would claim that.

  25. Michael Young

    Hi Daraius, if I currently have the “Citi Executive® AAdvantage® World Elite MasterCard®”, can I also sign up for the “Citi® Platinum Select® AAdvantage® World MasterCard®” and get the 50,000 AA miles for meeting the $5,000 MS? Or would I be excluded from that promotion based on my existing Exec World Elite card?


  26. I have a Marriott Rewards Card and have a goal….is it worth it to pay a 3% surcharge fee to pay my monthly rent? $715/$21.45?

  27. My daughter in law and her husband (active military) want to visit the Philippines next year to show their baby to the relatives there. Can you recommend any bloggers who may be familiar with frugal ways to make the trip – best airlines, credit cards to get, etc.

    Thank you so very much!

  28. Do I lose Southwest Rewards points earned if i do a balance transfer to another credit card?

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