So I feel like I can share this here and you'll all understand. When I first found this thread (or a different one) way back in 2016 and we all got the CSR 100k I made my now ex, started the CC game. We got married when I was 19. He "was smarter" than me and older than me, so I just defaulted finances to him. Plus he is a CPA and has a masters in accounting. Well it wasn't until our divorce I realized how bad he was with money. We still have a joint bank acct w/ like $5 in it. What I didn't realize is having that account together pulls up his bank account statements too. OOOps! I just looked through his statement (partly because I've been debating having my child support recalculated since our 18yo fell off, but I still pay insurance for her). I knew he was looking into a HELOC or refi because I was getting all the calls on it. Well it looks like he did it. And then used the money ($35k) to pay down credit card balances!!! When we started this game, I was always paying off my balances monthly. My cards were legit for my business and other expenses at the time. He was carrying balances on "our" cards, family spending. I told him we HAD to pay off our balances monthly if we were playing this game. When we got divorced we each got a chunk of money (as we had just refi'd the house to put in a pool, we didn't do the pool, we got a divorce, LOL). We also split the CC debt, $8k each. I opened up $0/0% cards and floated around the $8k for a few years until I finally paid it off with the money I had in the bank from the divorce.
Seeing his current finances, and knowing now what it takes to live "our" lifestyle (I kept the house), I'm sickened at how much money of our he wasted over the years married. It's also driven home the fact that I really need to sit our kids down and teach them how to be smart with their money and finances, investing and playing this game. I just really was in awe of how bad he's let his spending get since we've been divorced. I'm sure some may say I violated him....I honestly pulled up the most recent statement for our "joint" account to see if his name was still on it, and instead it pulled up our joint statement and his solo. This is also on him for being too lazy to remove himself from the joint account. Hell I think I'm still on 1/2 of his credit cards because he never removed me (hence why I was getting the refi calls). He makes more than me, and his condo is less than my mortgage payment. He used to yell at me about my spending (on things we needed) but then be like, hey....let's go buy $400 sunglasses. UGH. If nothing else it made me feel REALLY good at what I've accomplished these last 5 years divorced!
For those that have gone for the elevated Hilton SUB, what are you doing with those points and FNC?
DH and I will each be applying for a card, so we'll have 300K + 2 FNC.
Going to Disney World in April, already have reservations that we could change. But don't have any other big trips where we could take advantage of the FNC.
We use ours at all inclusives. I'm really hoping my BF does the HH card tonight, so he earns one. We like the Hilton in Playa Del Carmen.
I put in for the Wyndham match (hilton diamond) last week. once that comes thru how do you do the cruise match?
thanks
I think there was a website to submit for matching w/ carnival and holland.
Okay, I haven't read further yet, so I'm like, 'yeah, it's your (Ceasars) fault because 'your' (Ceasar's) guest impacted my stay.
That said, I think a token effort such as waiving your $60 room charges was reasonable. Especially as most of the guests from the previous night would have been elsewhere, gone back home or not necessarily impacted.
Good Will gestures often go a lot further than their cost. They put a positive spin on the business which can last for a long time such as when I stayed in my favorite oceanfront hotel and a jerk pulled the fire alarm which resulted in an evacuation. We received a gift letter for XXX$ towards a nice dinner. That was 2001 and I'm still telling people the story (hopefully not the same people repeatedly).
We saw Harry Styles in Chicago in October. The building across from our room was having a party. Hyatt refunded my points for our stay because of that! They asked at checkout how our stay was and I shared about the noise and they said, call this number, we'll take care of it! Last month when we were in Mexico, we drank too much and needed to stay one more day. It was a nightmare getting the new room. But we understood as we booked it at 4am! They let me stay in our current room WAY past check out till the new room was ready. They couldn't keep us in the current as it was a king and needed. But they also waived all our fees because of the time it took to straighten out the switch. Like you, I remember every time a company has gone over and above. The room charge was even from the buffet! Which I honestly ate very little at! He's like the volume you ate alone, saved them $60 vs other guests (it was seafood which I don't eat).
Thanks for the info!
Thanks! Yes, that's what I was thinking. I was unsuccessful at getting the tickets for the US tour at each opportunity. Yup, those resale tickets are over $1000 for nosebleed seats. I decided to try my luck at getting a presale code for some of the dates during her international tour. I registered for the presale when the International tour dates were announced. I got a presale code for Germany and got waitlist for the UK shows and when the tickets for the Munich show went on sale last week, was successful in getting floor tickets.
Are you saying EU shows are listed for $1k+? We sold 4 of our 6 Taylor tickets for detroit. My BF freaked out and sold 3 very early and cheap. But the last one was a "lesson" to my daughter, so we listed it at an INSANE $2k the day before the show. And it sold! ONE TICKET! We were going to try and buy EU tickets, but my friend warned me they really come after the resale market there. She was trying for tickets, but first got denied because her TM account wasn't allowing international purchases. Then got denied by her CC.
Just a reminder that tomorrow is the last day (at least based on the website) for the elevated Hilton offers:
https://apply.americanexpress.com/en-us/hilton-cobrand-lto-april23/page/92
I just got my 4th Hilton Biz today (2 for LLC, 2 for SP)
When was your last one? And the same LLC and SP? I just got mine in June, so I'm thinking there's no way I can go for #2, is there? I'm a SP, but I just got #2 (#1 was cancelled back in 2020). I'd LOVE another FNC, LOL. My SP is my photography business. But legally I file a Schedule C for 2 companies (essential oils too). I'm wondering if I could get a card for that in just my name. LOL.
I hope to book the WA in Amsterdam next, but I'm not sure our dates will line up with our FNCs. If you can find a way to use them in Orlando, I think it's a good deal. 
