![]() But what if I pass on $280 value the first vacation, only to find out my last trip of the year is worth $179? Or $100? Or actually a net loss and I forego the credit? So that's going to be the credit roulette that I play here.Ĭonsidering the CSR is a net $250 fee after the travel credit and VX is a net $295 fee after the bonus miles you would have to value the VX $300 portal credit as $45 or less to make the CSR superior. There's a few opportunities in there to get $300 in value. Typically we take one long trip (flight) and two driving trips (1x Great Wolf, second one is either Great Wolf, overnight Portland, or a few days in San Fran). So it's really going to come down to the trips that I take every year. My prior booking attempt netted something like $179 in value. ![]() I could argue that this credit was worth $365 before figuring in changes in miles. I tend to value credits based on what they actually net me. On top of that, booking through the portal gets me the $300 credit AND 10x miles for at least the remainder (the credit just hit, so I need to wait another business day or two to see if they claw back the 10x miles on $300, which I expect them to do). After getting the VX, I signed up with Herz, got President's Circle status, and found a rental with them at the same airport for $915 after taxes. It was not prepaid, so I would have paid for it with the VX, getting 2x miles and primary auto CDW (prior plan was to use my Amex HH and pay Amex for primary CDW for that trip). Right now as I'm ~2 weeks in with the card, that's a question mark to me.įor example, I had a rental on the books with Enterprise for $980 after taxes and fees. I value it at what I can reasonable expect to get out of it year to year. No promotion of illegal, fraudulent, or nefarious activities No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages. ![]() PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service Official User Flairs Thread - Learn how to customize your user flair
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