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AMEX claws back my Hilton bonus points

July 6, 2020July 6, 2020 Vinh  Credit Cards  Hilton  9 Comments

News went around on July 4 of how AMEX clawed back the Hilton 12X grocery bonus points promo. I’ll detail what happened to me. My May 15th statement ended like this: Almost exactly 7 weeks later, my Hilton account updated with this: It seems they gave me 12K points and looking back at my statement, […]

Discover changes reallocation and credit limit rules

June 4, 2020June 3, 2020 Vinh  Credit Cards  Discover  Leave a comment

After closing an old Discover IT card on Monday, I applied for a new MILES card on Tuesday. I wasn’t instantly approved; had to call in a number. On the line, the rep did approve me for a $3K CL. I then asked her if I could reallocate my existing $16K CL line from another […]

My Discover Miles to IT cashback experiment

June 2, 2020June 1, 2020 Vinh  Credit Cards  Discover  Leave a comment

A few months ago, I had an idea of converting my Discover Miles to a Discover IT card so I could cash out into gift cards. Here’s how everything went down. My Miles 1 year ended in January. I called to product change, but they said the system wouldn’t allow it and I’d have to […]

Clarification on the AMEX Hilton Lifetime bonus points

May 26, 2020May 25, 2020 Vinh  Credit Cards  amex, Hilton  2 Comments

When I posted about the AMEX Hilton Surpass deal a few weeks ago, a reader pointed out that maybe only the “bonus” points go towards the lifetime base points since most of the promo material does say “bonus” points. This means that instead of having all 12X grocery points count towards lifetime, maybe only 9X […]

CNB pools your household rewards even after you’ve unpooled

May 6, 2020May 5, 2020 Vinh  Credit Cards  cnb  Leave a comment

Chalk this one up to another stupid IT design by CNB. See, before they nerfed the airline credits, it made sense to have multiple primary CNB cards (maybe 2 was the max?) since you were making money off each primary card. That’s why I had 2 primaries in my name. Well after the new website […]

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