I am having trouble following all the disagreements among board members on this change. Maybe I can describe my situation and ask for advice from those in the know. I have two DC cards, a corporate one for business expenses and a personal MLC card.

The corporate card gets $60-70k on it annually. I have been transferring those on a 1 for 1 basis to AP but I understand that ends at the end of December. I don't need more AP points so my plan from now on is to transfer DC points at 1.25 to 1 to my AA account which has next to nothing in it and then transfer from AA to HH at 2 to 1. So if I transfer 50k in DC points by this method I will end up with 80,000 HH points. This may not be a perfect model on a financial measurement basis but it seems to work for me as I don't need additional AP points but hotel points will be useful in the future. Any comments on this strategy?

My personal card gets very little use but I have kept it because it is MLC and I got it originally when an AC manager had to recommend you for this exclusive access. I thought it might be useful for lounge access after I retire and no longer have SE status which gets me the lounge. I think the annual fee for this is expensive. I dropped my wife's spousal card this year because we only had it for the odd occasion when she travels without me. I took the SE package that included the spousal lounge access card and I think she has used it once. Given how little I use this card as a credit card, now may be the time to save the money and dump it. Any comments on the wisdom, financial or otherwise, of this strategy?