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I’m in Spain now and this is the first time that when I charge something it’s asks if I want to use euros or dollars. Do you know which is better? I’ve been checking off euros since in the past my credit card company converts it

I had not applied for a new credit card for years and was hesitant to do so. I have had the Chase United Explorer, Delta Amex, Amex Platinum Optima, and Diners Club cards for years.

My credit score is 830. After reading your newsletter for a few months it pushed me into applying for the Chase Sapphire Reserve card and I applied via your site.

I thought it would take weeks to receive a response as to whether or not I was approved. It actually took less than one minute for the Congratulations, you have been approved message to pop up. It happened so fast I was taken aback. Now I have to plan where to spend the $4,000 to get the bonus.

I made a note of the date of acceptance and marked my calendar for 90 days to make sure I don’t miss out.

Thank you,
Ryan James

Congrats on the approval!

This article might help if you’re looking for ways to meet the minimum spend requirement:

Using alliance partners is a great way to save on award flights, did just that using Krisflyer miles to book on United for a transcon flight. Also opened a United Explorer card with on of the perks being waitlisting for an upgrade even on award tickets. However being the flight was booked through Singapore Air they will not accommodate. Is there something I’m missing. Thanks.

Hi, I wanted to alert readers to a bad experience I had with Radisson. I recently updated my email address on my Radisson Rewards account. I added my frequent flyer number. BIG MISTAKE. The fine print, which I did not see, states that they will automatically convert all of my existing Radisson points to airline miles. I did not want conversion, and did not notice that they would do that. I phoned customer service, but they will not give me back any points.

Consider including a “BASICS” section on your website. This would include:
Why you should downgrade, not cancel credit cards.

I read your Don’t Cancel Your Credit Cards AFTER I had cancelled two or three cards in an attempt to get rid of annual fees and make my life simpler.

You might put in a link to previous “Basics” postings.

You might also include a basic 1-2-3 of how to transfer points, maximize points, etc. in your BASICS section so it could be easily found.

Also include caveats:
Delta has a companion pass BUT:
1) it can only be used on domestic flights within the US, UNLESS you live in Hawaii, then it can be used for round trips originating in Hawaii and returning to Hawaii.
2) it is ONLY good for Round Trips
3) it has so many limitations, like limited seats on each flight, so that you might have to either book months ahead (especially around holidays), or book less popular routes (e.g. OAK-SEA instead of OAK-JFK)

Let us know which airlines have the best companion passes:
Alaska has NO restrictions on number of companion pass seats– it’s any flight, any day, if they have an open seat, it’s yours.
Alaska you can purchase one-way or round trip and use the companion pass.

Put together a list of BASICS. I’d love to see it!!
Thanks, I am really enjoying your posts.

I always click thru your site to any credit card I’m applying for. I have now gotten 6 or 8 cards with 50,000 – 80,000 miles with purchase of X amount within 90 days. Post reminders that it’s from date of APPROVAL, not date of activation or usage….

Caryl Burns
Call me if you like at:

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