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Originally Posted by Critterlynn
(Post 27225188)
If they don't want to take the time to hear me out, don't ask me about it.
Just saying. People always learn from hard ways rather than easy ways. |
Originally Posted by Critterlynn
(Post 27225188)
If they don't want to take the time to hear me out, don't ask me about it.
Just saying. |
Originally Posted by sdsearch
(Post 27218422)
An alternative baby step I would suggest: If someone mostly travels by road, and has joined a hotel program, and that hotel program has a card with no (or better yet, "net negative") annual fee, get that card first, and learn that it helps you earn free nights a little faster.
I have successfully convinced a couple of close family members to use a simple cashback credit card (Discover It) for daily expenses instead of a debit card, and put it on autopay to automatically pay in full every month. One of them told me that the ~$300 a year he gets is a nice little bonus and thanked me for urging him to set it up, but I don't think I will go any further. |
Originally Posted by cbn42
(Post 27231842)
I guess that would work if someone has already joined a hotel program, but I don't know anyone other than frequent business travelers who use hotel programs. I'm not an expert on them, but they seem to have limited utility for casual travelers. Almost everyone I know is a member of at least one airline program, but tends to book hotels on Priceline or Expedia, or stays with friends or AirBnB.
I have successfully convinced a couple of close family members to use a simple cashback credit card (Discover It) for daily expenses instead of a debit card, and put it on autopay to automatically pay in full every month. One of them told me that the ~$300 a year he gets is a nice little bonus and thanked me for urging him to set it up, but I don't think I will go any further. Until you really get in deep or make a commitment to research and creativity, you're not going to "get" this game. For me, it has truly become an art. I devote time to it and enjoy it. The big trip payoffs are the rewards. And the mini perks of lounges and upgrades are reminders along the way. |
Originally Posted by particlemn
(Post 27222165)
I have friends who are super healthy, eat right, go to the gym 4 times a week and are considerably thinner than I. I am sure they feel this is so simple just take the time to do things right and you will be healthy and fit and live longer, but when they tell me about this great kale shake my eyes gloss over and have no interest in listening any more as it sounds unpleasant and like too much work.
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Originally Posted by particlemn
(Post 27222165)
I have friends who are super healthy, eat right, go to the gym 4 times a week and are considerably thinner than I. I am sure they feel this is so simple just take the time to do things right and you will be healthy and fit and live longer, but when they tell me about this great kale shake my eyes gloss over and have no interest in listening any more as it sounds unpleasant and like too much work.
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Originally Posted by cbn42
(Post 27231842)
I guess that would work if someone has already joined a hotel program, but I don't know anyone other than frequent business travelers who use hotel programs.
And a recently wed relative of mine signed up for Hilton HHonors for a first anniversary driving trip. (And expressed interest in possibly other hotel programs later, since they do a lot of driving trips, not always to places where they have family/friends to stay with.) In this case, the relative's parents traveled to various places on vacations, and so this person was used to their parents staying in chain hotels. (Plus hearing about me staying in chain hotels and some of them for free, including I gave them a honeymoon stay with my Marriott points.) So I think it depends on whether you have friends/family who travel, where and how they travel, how long they've been travelling, etc, etc. Perhaps you see fewer of them on FlyerTalk if you don't hang around the hotel forums, but there are people who travel more by road than by plane. |
I don't consider what I do a hobby..more like common sense. I own a business and have $75K legitimate spend a year. Why would I put this all on the same card when my wife and I(and the business) can receive multiple sign up bonuses by opening up multiple cards? We have opened 19 cards since Dec and have accumulated 1,000,000 points just in the sign up bonuses. I found it quite simple actually, no spreadsheets...just adding the cards to quickbooks. Keeping track of the spend was just going to the accounts online and looking at the statements.
Having said that, I know many people who wouldn't even dream of doing this because of the reasons many have already posted...mainly that they don't think they have the time. |
Originally Posted by mhdena
(Post 27216703)
They're not stupid. They're just not into it.
It's very hard to "convert friends" to whatever hobbies you enjoy no matter what they are. It seems many people in the general population either don't use credit cards at all, or else have one or two cards that they have probably had for a long time and use them for everything. They aren't maximizing their rewards but if they are happy it's their choice. If you have friends/family/whoever that don't care, stop trying to force the issue. In general people get annoyed if you are constantly trying to butt into their finances, including credit cards. |
Originally Posted by kdm31091
(Post 27233717)
Credit card rewards are like any other interest or hobby. Some people just don't care, and that's fine. At the end of the day it's not life changing money...
“Rewards cards made travel a reality for me,” she said. “I went from seeing Niagara Falls and calling that my international travel to visiting four different countries.” Her points have paid for airfare to Argentina and hotels in Paris; she plans to use her Chase card on a trip to Japan this year. |
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