This is a news recap from last week, tailored to regular family. For faster updates, follow me on Twitter or check my feed on the right side of the blog.
1) Last reminder on this Plastiq (my referral link) promo:
I’ve actually started to use Plastiq more and more for stuff like car payments. It’s very convenient since I don’t do MS. It frees up my spend and allows me to take advantage of 5% categories via other credit cards.
2) A list of various ongoing miles and hotel points promos by the guys at DoC. Check the post and see if anything looks appealing. You never know when these points may come in handy.
4) Amex has increased bonuses on Delta co-branded cards. This happens a few times per year, and if you are Delta hub-captive, you should definitely pay attention to them. Normally, I don’t focus on Platinum Delta SkyMiles card, but this time is a bit different. Both personal and business versions have an increased bonus of 70,000 miles.
Nothing to sneeze at, so even with $195 annual fee (not waived in the first year) it’s pretty good deal. See details on Delta co-branded personal cards here, and two business versions here Personal versions don’t pay me commission, while business ones do. (Hat tip to Runningwithmiles)
An update on my Amex Mega Fail
I got a response to my CFPB complaint. Amex said that my points were technically not available at the time of conversion:
I called Amex and even the supervisor said it’s a bit confusing. You think? She said my points were in “pending” status at the time of the conversion, even though it wasn’t indicated anywhere in my profile. This is a bit bizarre because they were available for redemption or mileage transfers, so how could they be simultaneously pending? Here is how the events went down:
The bonus is listed in “earned” category, nothing pending about that. When I logged in prior to this debacle, my account showed 100,300 points and underneath of it it clearly said “available.” You can’t have points available and pending at the same time. It’s a contradiction.
By that logic, the clawback should be in “pending” status as well, and they should let me upgrade back to Platinum product. It’s only fair. Did I ever mention that at one point I thought about becoming a lawyer? Two can play this game. Once again, I’m not trying to come across as a self-entitled jerk. I just think if it’s OK for big companies to enforce technicalities, it should be OK for little guys like myself to follow suit.
My reader Joe said this to me in the comments yesterday:” FWIW, Amex has always said that is takes ~8 weeks+ for the points to actually be yours (although even then they’ve clawed back) — they’re kind of just advancing you the points for your convenience to be “friendly”.
I honestly have never heard of this bizarre policy, but I’m sure the commenter is correct.
I thought a lot about it over the last few days, and wanted to mention a couple of things. First, I debated on whether it would even be a good idea to share it with readers. Why? Well, it’s embarrassing. I should have known better. But I have a policy of recording the good, the bad and the ugly. This one definitely falls into the third category.
To be honest, I expected a lot of backlash from readers. Surprisingly, most offered words of support. Do I deserve it? I’m not sure, but thanks anyway. A lot of what we do involves being “interesting.” Some are more interesting than others. I try not to get on a high horse unless I see fraud presented as an OK thing to so. And I’ve always thought of myself as a rather boring lady hobbyist. But not anymore!
I do feel like I have a good case, but whether or not I will pursue it legally is unclear at this point. I’m a lover, not a fighter, and hope this dispute can be resolved amicably. That’s why I emailed Amex Chairman’s office yesterday and currently awaiting their response. Developing…
Leana is the founder of Miles For Family. She enjoys beach vacations and visiting her family in Europe. Originally from Belarus, Leana resides in central Florida with her husband and two children.