Welcome to Flyertalk, as you can see I have belonged since 2000. That is 14 wonderful years of traveling after retiring in 1999 from working all over the world. Thanks to credit card offers, we travel internationally several times a year and go all over the USA. I have followed almost every offer mentioned in Flyertalk. Along with my daughter, son in law, and husband we have put those several million miles and hotel points to good use while never paying a cent of interest and all have excellent credit because of churning. I have found that often people are on the up slope of the learning curve in mastering money management. Gotta go apply for the Barclay Arrivals card to pay for the free Hawaii interisland flights this summer. Read everything in Flyertalk and travel the world.....Thank you Flyertalk and all the wonderful contributers who have made my family's dream trips possible.