Search found 862 matches

by rjbraun
Sun Jun 25, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 17
Views: 1095

Re: Credit cards' credit lines - pros/cons of requesting reduction?

According to Credit Karma, utilization is a high-impact metric. Utilization is the sum of your outstanding balances divided by the sum of your credit limits. Of course a lower number is better. My utilization is about 4%--roughly $8K / $189K as of now. I believe 0-9% is considered excellent. Obviou...
by rjbraun
Sun Jun 25, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 17
Views: 1095

Re: Credit cards' credit lines - pros/cons of requesting reduction?

^^ The reported utilization can be controlled by paying most cards off before the statement drops each month, so that the reported balance is $0. I'm not saying that OP should do this, but at least that part can be controlled. Not sure I follow. If my monthly payment is due on the 20th of the month...
by rjbraun
Sun Jun 25, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 17
Views: 1095

Re: Credit cards' credit lines - pros/cons of requesting reduction?

As to the OP's question, I've never requested a reduced credit line in advance of applying for a new Chase card. On more than one occasion I've called in when my application went pending instead of automatic approval, and it's always been approved by moving some of the credit from an old card to th...
by rjbraun
Sun Jun 25, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 17
Views: 1095

Re: Credit cards' credit lines - pros/cons of requesting reduction?

I'm debating whether to contact Chase to have my Chase credit cards' credit lines reduced. ... I don't know but would appreciate insights from the BH community! One thing to watch out for is Penalty clauses. A decrease in credit, for whatever reason, (even if you requested it) is a bad mark and oth...
by rjbraun
Sun Jun 25, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 17
Views: 1095

Credit cards' credit lines - pros/cons of requesting reduction?

I'm debating whether to contact Chase to have my Chase credit cards' credit lines reduced. The motivation would be to minimize the chances of getting rejected for new Chase cards I plan to apply for over the rest of the year. There should be no issue with respect to 5/24 (I'm 2/24 as long as Chase b...
by rjbraun
Sat Jun 24, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

I have used the free night three or four times now. Never paid extra. But note that award nights aren't always available (per T&C; but I have personally not had this happen for my trips). Thank you. Good to know. About ready for SO and me to apply separately for the card. I made a refundable bo...
by rjbraun
Fri Jun 23, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 8
Views: 898

Re: Bogleheads - how about an outdoor chair recommendation!

I'm looking for a chair you take along to sporting events (to sit on the grass), concerts or other outdoor activities. Not looking for the most expensive chair but would pay more for one that is comfortable and lasts. I'm a little over 200 lbs so need a sturdy one too. Any suggestions? Thanks. Fran...
by rjbraun
Fri Jun 23, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

Between my wife and I we've had a dozen "anniversary free night" stays over the past few years including Crowne Plaza Singapore, Copenhagen, Seattle; and a $400/night London hotel twice. Never had any additional costs attached to the "free" night but have been upgraded because o...
by rjbraun
Fri Jun 23, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

I am still trying to figure out whether the IHG Anniversary Free Night can be applied to any IHG or whether at times you need to top off the "free" night with cash (or maybe points). Based on the link below, it seems that the Anniversary Free Night may only get you so far. I'm assuming tha...
by rjbraun
Fri Jun 23, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

At a certain point worrying over redemptions values and how many cents per point you're getting is meaningless. I'm easily earning miles faster than I can spend them. Whenever I want to book an international flight I always have plenty of miles in various programs, so I just go ahead and book busin...
by rjbraun
Fri Jun 23, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

It's a miles and points high quality problem to have. Do I spend my 60,000 URs for this redemption or just pay the cash price and hoard the points for a better redemption? It's a lot harder when it is MRs or URs since they are so flexible. With hotel points or carrier-specific points, it's easy sin...
by rjbraun
Fri Jun 23, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

I am finding that often purchasing tickets through their online portal with points is a great deal (1.5 UR pts/S with no restrictions or added surcharges) compared with buying tickets with airline miles. I have found the same, but this is not true for all flights. In many cases, Chase travel seems ...
by rjbraun
Fri Jun 23, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

I am finding that often purchasing tickets through their online portal with points is a great deal (1.5 UR pts/S with no restrictions or added surcharges) compared with buying tickets with airline miles. I have found the same, but this is not true for all flights. In many cases, Chase travel seems ...
by rjbraun
Thu Jun 22, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

<snip> 3. *I think* CSR provides a better travel insurance than CSP. Victoria *I think* the travel insurance for CSR and CSP is identical. All I know is when I inquired months ago that is what Chase told me (or maybe it was the insurance rep Chase referred me to). I no longer recall the specifics o...
by rjbraun
Wed Jun 21, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29
Replies: 4
Views: 510

Re: Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29

If Hyatt didn't black out so many dates the two free nights was a slam dunk. I ended up using mine in NYC so I got the value but I was't able to use them in December because Hyatt had virtually blacked out all of Dec for award bookings in the city I wanted, thus the points gives you more flexibilit...
by rjbraun
Wed Jun 21, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29
Replies: 4
Views: 510

Re: Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29

Well crap, I was hoping to take advantage of this later this year/early next year. Can't do it now due to a potential house purchase in the near future.. :shock: I hear you. I was hoping to include the Park Hyatt Tokyo in a future Japan trip. Hardly want to plan a trip for the next 12 months around...
by rjbraun
Wed Jun 21, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29
Replies: 4
Views: 510

Chase Hyatt credit card: reduction in sign-up bonus -- effective June 29

Apparently, effective June 29, the sign-up bonus will drop from two free nights to 40,000 points, after meeting the minimum spend.

Aargh, there goes the "free" Park Hyatt Tokyo stay I was hoping to enjoy one day :(

https://thepointsguy.com/2017/06/hyatt- ... s-june-29/
by rjbraun
Fri Jun 09, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

gunn_show : Those Hawaiian vacations of yours sound great! As lovely as Hawaii was in my brief stay in Honolulu years ago, admittedly a different proposition from the places you stayed, it's not a *priority* relative to other destinations on SO's and my list. Maybe one day, but for now we haven't d...
by rjbraun
Thu Jun 08, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

I just looked to see if there were charges showing up to book free nights and don't see any for the Intercontinental Times Square, Crown Plaza Times Square etc for July 10-11. Everything still showing "Free" for me... I think 2cents2's post referenced charges for June 10-11. Edit: I'm not...
by rjbraun
Thu Jun 08, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

I used to love this IHG annual free night award, but lately I have had some trouble booking some of my preferred choices for no additional cost (besides the annual fee). Here are some examples (I just plugged in Saturday night): Crown Plaza Times Square Manhattan Chase Anniversary Free Night 65.00 ...
by rjbraun
Thu Jun 08, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

on your questions - 1) all my reading indicates IHG application consideration is not subject to 5/24 but it will count under 5/24 for future apps if successful. In that case, I guess I should hold off until I finish my 5/24 activity and then apply for the IHG card. Of course, I realize that Chase c...
by rjbraun
Thu Jun 08, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

mageedge and 9liner, thanks very much for the valuable input. I plan to apply for the card and will suggest that SO does as well. That should ensure that our two anniversary rewards will coincide over the same time frame (as much as possible). Now, the only two main issues to resolve are ... 1) Will...
by rjbraun
Wed Jun 07, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

Not sure why you were told you needed to be a member to see the available redemptions. I just go to awardmapper.com and search by chain and area. Plenty of really nice category 4 Hyatts out there and we get really good value out of the IHG card too. Just glancing at the West Coast there are Cat. 4 ...
by rjbraun
Wed Jun 07, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Re: Chase hotel credit cards / IHG Anniversary Free Night

I like the IHG card and the free room night. For $49 it is a steal if you travel at all. Even if you stay at a holiday inn express en route to somewhere else you will save a decent amount. Never had an issue booking the room - you can use it anywhere that has availability and you can book online. I...
by rjbraun
Wed Jun 07, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 28
Views: 2427

Chase hotel credit cards / IHG Anniversary Free Night

I am assessing whether any of these make sense for me (and SO). There seem to be four options, though I have pretty much eliminated their Ritz card with its $450 annual fee. That leaves Marriott, IHG, and Hyatt. Background : SO and I do very little business travel, it's almost all leisure and will t...
by rjbraun
Wed Jun 07, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Sounds like the SW CP is of less value to you, and if you don't want to burn 2 Chase apps, and will only use a couple SW flights, probably not worth it. If you could use it to take trips to Cancun or Cabo or DR or any of the tropical locations SW now flies, and thus utilize a few free $400-600 fare...
by rjbraun
Tue Jun 06, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Am I missing anything? From everything I've read this is the best card for me right now for cashback. Levi, I hope I caught you before you went to a Chase branch. You have a rare opportunity to capitalize on the all-time home run of the credit card signup bonus hobby: the Southwest Companion pass. ...
by rjbraun
Tue Jun 06, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 6825

Re: Flying first class, business, versus economy.

Another is to try to get a seat in the front row of the economy section. The only drawback to either is that there is no under-the-seat storage space allocated for either choice, all carry-on must go in the overhead. One other downside: passengers with an infant-in-arms are often assigned bulkhead ...
by rjbraun
Sun Jun 04, 2017 12:17 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Date point: Just got another Barclay Arrival Plus card to use for Italy trip. Canceled my first BC A+ on 2/25/17 after having it for 9 months. I was not sure I was going to be approved after only having it closed for 3+ months. Have opened 14 cards in 15 months. But will Barclays award you the sign...
by rjbraun
Thu Jun 01, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Chase just announced a sign-up bonus increase to 60,000 points on the Southwest Plus and Southwest Premier cards. The increased bonus makes it incredibly easy to get a Southwest Companion Pass by signing up for both cards. http://www.doctorofcredit.com/three-chase-southwest-cards-increased-60000-po...
by rjbraun
Wed May 31, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

<snip> The Amex Delta Gold for 60,000 Skymiles could work as we were looking at a domestic Delta route recently. The link I found showed a $50 statement credit, though. https://www.americanexpress.com/us/credit-cards/card/delta-skymiles/ Go to Delta's website and pretend to book a flight. The $100 ...
by rjbraun
Tue May 30, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

If you don't have the United Mileage Explorer card for the 70,000 miles, I would definitely jump on that. The additional award availability helps, but domestically, it doesn't help a ton unfortunately because United has expanded Basic Economy fares. Other than that, the Marriott card is another one...
by rjbraun
Tue May 30, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

I would like to get CSP again, but I think I need to wait for 24-25 months to pass from when I closed out my last CSP (that might not be till early 2018). I believe you only have to wait 24 months since the last time you received the signup bonus to be eligible to get the bonus on the CSP, not 24 m...
by rjbraun
Tue May 30, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Trying to come up with a plan for new cards to order over the next few months. Current card holdings: Me: In the past 2 or so years, I have opened: -- Chase Sapphire Reserve (CSR) -- Chase Ink Business Preferred -- Capital One Spark I also downgraded from Sallie Mae to Barclays Reward card at the en...
by rjbraun
Tue May 23, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Well-made quality handbags
Replies: 32
Views: 3107

Re: Well-made quality handbags

It depends what you mean by $$$. Spend some time on forum.purseblog.com They seem to like Dooney & Bourke for well made bags before moving into the luxury brands. Coach is a classic but also not what it used to be and considered by many to be overpriced/relying on the name. Longchamp bags are h...
by rjbraun
Mon May 22, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Well-made quality handbags
Replies: 32
Views: 3107

Re: Well-made quality handbags

I have owned Il Bisonte bags over the years and love the way they develop their own patina with use. I like not feeling the need to be overly concerned about how I treat the bag and still having it look great. I don't think the website really does the bags justice, but it will at least give you an i...
by rjbraun
Wed May 10, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Considering new approach to credit card churning
Replies: 45
Views: 7102

Re: Considering new approach to credit card churning

My strategy is to cancel all cc after one year unless the annual fee is waived. Not sure I totally follow this. I understand not wanting to pay the annual fee, but if you don't cancel and just keep the card, won't that likely preclude you from getting another sign-up bonus? Example: I get Citi Adva...
by rjbraun
Sun May 07, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

-I need to cancel my chase preferred card and then I am eligible to reapply and receive the initial 50K bonus again as it has been over 24 months since I last received that cards associated bonus - this is how it was explained to me by a Chase representative Interesting, I hadn't considered that. I...
by rjbraun
Fri May 05, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

-I need to cancel my chase preferred card and then I am eligible to reapply and receive the initial 50K bonus again as it has been over 24 months since I last received that cards associated bonus - this is how it was explained to me by a Chase representative Interesting, I hadn't considered that. I...
by rjbraun
Thu May 04, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: 2-3 days around Nice, France. Advice?
Replies: 9
Views: 720

Re: 2-3 days around Nice, France. Advice?

We enjoyed 2 nights (maybe 3?) in Nice as part of a larger trip to France and Italy. We took a morning train from Arles to Marseille for the day, before heading on to Nice in the evening. We debated between visiting Aix-en-Provence and Marseille. From what I gathered (rightly or not), Aix would have...
by rjbraun
Fri Apr 28, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Chase - $500 to open business checking account. Worth it?
Replies: 7
Views: 927

Re: Chase - $500 to open business checking account. Worth it?

Thanks for all the input, especially the link to doctorofcredit.com. Definitely seems like a helpful site, and I have signed up for the weekly e-mail and also got the free ebook on making money through bank account bonuses. Plan to review this weekend, should help me assess whether to proceed with C...
by rjbraun
Thu Apr 27, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

I think AA used to have a lot more award space and over the last 4 or 5 years they've changed that. So your prior experiences may not be indicative of what your future experiences will be, depending on when you booked award flights with them in the past. Many partner awards ARE searchable on AA. Bu...
by rjbraun
Thu Apr 27, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase - $500 to open business checking account. Worth it?
Replies: 7
Views: 927

Chase - $500 to open business checking account. Worth it?

Got an offer in the mail to get $500 when I open a Chase Performance Business Checking account. I need to deposit $500 in new money within 10 business days, maintain that balance for 60 days and complete 5 qualifying transactions within 60 days (debit card purchases, checks paid, Chase QuickDeposit,...
by rjbraun
Thu Apr 27, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

I find AA Miles to be pretty awful (awful availability, awful redemption values, awful routing), at least for the places I want to go, but I would tell you that the website is also useless as it doesn't show all their partners. You need to look at all One World carriers websites to find available a...
by rjbraun
Wed Apr 26, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

+1 AA miles are very hard to use to get to Europe without fuel surcharges as almost all the availability is on BA. They can be useful to get to other parts of the world, though I'd much rather have Alaska miles in general. And you should definitely collect your Chase UR/United points first. Thanks,...
by rjbraun
Wed Apr 26, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Using American to London isn't the best bet unless you can find flights on American metal. Most flights are going to be on British Airways, and they pass on huge fuel surcharges. If you want to use American miles look for flights on American metal, AirBerlin, or Iberia. Skyteam and Star Alliance ge...
by rjbraun
Wed Apr 26, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Major health issue - finding new employment with health coverage
Replies: 35
Views: 2625

Re: Major health issue - finding new employment with health coverage

Something I haven't seen mentioned but that could be an issue to OP, I would think: in my experience, companies can change their healthcare coverage terms as well as their healthcare providers. In that regard, I would think that OP may want to consider the prospect of said employer's coverage possib...
by rjbraun
Tue Apr 25, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Potential New Job: Career Faux Pas
Replies: 6
Views: 1157

Re: Potential New Job: Career Faux Pas

Another thought that comes to mind would be what the rest of your career history looks like. If your current job is your only position to date and you've been there, say, 10 years or more, maybe a change is warranted (all else equal). On the other hand, if you've had five jobs in the last 10 years, ...
by rjbraun
Tue Apr 25, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

Interesting. Can you provide some general guidelines for how much spending one should be prepared to do to rack up sizable point balances to fly business class internationally, let's say, twice a year. I realize that a bunch of factors will influence the answer, but, back of the envelope, if a roun...
by rjbraun
Tue Apr 25, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296993

Re: What's Your Credit Card Rewards Strategy?

I remember feeling like that when I first started travel hacking. We flew economy at first, but now I have more miles than we even have time to use, so we fly business class on international trips now. If you're aggressive you'll end up with some pretty big point balances. If you're just doing one ...

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