Tricks to achieve card spend limit to get PQD waiver
#1
Original Poster
Join Date: Mar 2015
Programs: UA 1K
Posts: 294
Tricks to achieve card spend limit to get PQD waiver
We normally use the Chase Sapphire card and use the United Explorer card solely to hit the $25K spend to get the PQD waiver. This year I'm in a bit of a bind. I'll qualify for Platinum only if I get the PQD waiver. There's a chance that we will not be able to hit the $25K spend on the Explorer card in the remaining time available this calendar year. I'd hate to go to ZERO status next year because of this. So one idea I had was to make some large purchases that we don't need over the holidays, register those expenses on our December statement and then return the items (unopened) to the store sometime in the second half of January (making use of extended return periods offered by many retailers). I know I'd be cheating the system here, but it hurts to think that I'll lose all my status just because we might be short of the spending threshold by $5K or so. The question is: would the return be flagged by United and my Platinum status for 2020 revoked for not achieve PQD waiver?
(PS: the alternative to avoid the PQD mess is for me to get a foreign address, which I can plausibly since my parents live in another country and I travel there frequently.)
(PS: the alternative to avoid the PQD mess is for me to get a foreign address, which I can plausibly since my parents live in another country and I travel there frequently.)
#2
FlyerTalk Evangelist
Join Date: Nov 2014
Location: MSP
Programs: DL PM, UA Gold, WN, Global Entry; +others wherever miles/points are found
Posts: 14,392
Guess: You would be fine and your YTD spend in 2020 would start out deeply negative (if you care about PQP from spend), but I'm not 100% sure about that. It's normally a really bad idea to try to game CC benefits by charging back after obtaining a benefit.
#5
A FlyerTalk Posting Legend
Join Date: Apr 2013
Location: PHX
Programs: AS 75K; UA 1MM; Hyatt Globalist; Marriott LTP; Hilton Diamond (Aspire)
Posts: 56,416
I know I'd be cheating the system here, but it hurts to think that I'll lose all my status just because we might be short of the spending threshold by $5K or so. The question is: would the return be flagged by United and my Platinum status for 2020 revoked for not achieve PQD waiver?
#6
Join Date: Jul 2011
Location: SF Bay Area
Programs: UA MileagePlus (Premier Gold); Hilton HHonors (Gold); Chase Ultimate Rewards; Amex Plat
Posts: 6,649
Pay property taxes with the credit card if you really have nothing else to buy. Don't spend money that you wouldn't otherwise spend though.
#7
Join Date: Sep 2008
Location: AUS
Programs: BAEC Gold, AA PPro, Hyatt Globalist, Amex Plat
Posts: 7,027
It would cost the credit card surcharge, but that certainly is worth avoiding committing fraud.
Regards
#8
Join Date: Sep 2008
Location: SF Bay Area
Programs: None - previously UA
Posts: 4,858
2 I’ve done before:
- Buy Costco gift cards.
- Book a week at a resort, there are a few in the Marriott system that typically take a credit card deposit of 3 nights. You can cancel in 2020.
- Buy Costco gift cards.
- Book a week at a resort, there are a few in the Marriott system that typically take a credit card deposit of 3 nights. You can cancel in 2020.
#9
FlyerTalk Evangelist
Join Date: Aug 2017
Programs: AS 75K, DL Silver, UA Platinum, Hilton Gold, Hyatt Discoverist, Marriott Platinum + LT Gold
Posts: 10,460
Would it be fair to conclude your actual PQD for the year (or through the end of the year) would not reach $3,000?
I am not sure if this is a good idea. Address change would require you to submit verification as proof. Given the timing, it might trigger additional review.
Also, non-US PQD waiver is going away as of January 1, 2020.
Also, non-US PQD waiver is going away as of January 1, 2020.
#10
Join Date: Mar 2014
Location: PWM
Programs: AA Plat
Posts: 1,335
UA can pretty easily tell where you live if you book all your tickets thru them. (Hint: it's where all your trips originate). I haven't heard of anyone being caught but that doesn't mean it doesn't happen.
#11
Join Date: May 2008
Programs: Marriott Titanium, Hilton Diamond, Hyatt Globalist, AA Plat, UA Silver, Delta Silver
Posts: 453
Here's some things that might help.
Prepay your cell phone bill. I've put $1,000+ towards my account before and this is about 5-6 months worth of credit (I have 6 people on my plan).
Prepay utilities if possible. My utility company charges a flat fee for credit card payments. I usually do enough so the fee is less than 1% of the payment. Usually only a few months of prepayment is necessary.
Prepay your cell phone bill. I've put $1,000+ towards my account before and this is about 5-6 months worth of credit (I have 6 people on my plan).
Prepay utilities if possible. My utility company charges a flat fee for credit card payments. I usually do enough so the fee is less than 1% of the payment. Usually only a few months of prepayment is necessary.
#12
Join Date: Jul 2011
Location: SF Bay Area
Programs: UA MileagePlus (Premier Gold); Hilton HHonors (Gold); Chase Ultimate Rewards; Amex Plat
Posts: 6,649
Here's some things that might help.
Prepay your cell phone bill. I've put $1,000+ towards my account before and this is about 5-6 months worth of credit (I have 6 people on my plan).
Prepay utilities if possible. My utility company charges a flat fee for credit card payments. I usually do enough so the fee is less than 1% of the payment. Usually only a few months of prepayment is necessary.
Prepay your cell phone bill. I've put $1,000+ towards my account before and this is about 5-6 months worth of credit (I have 6 people on my plan).
Prepay utilities if possible. My utility company charges a flat fee for credit card payments. I usually do enough so the fee is less than 1% of the payment. Usually only a few months of prepayment is necessary.
Another idea: use Plastiq https://www.plastiq.com/ and pay the mortgage with your credit card (disclaimer: I have never used this service).
Last edited by STS-134; Nov 8, 2019 at 4:15 am
#13
Join Date: Aug 2008
Location: Somewhere in Florida
Posts: 2,616
Kiva.org is where I've put plenty of MS before (and still do). DO read up on it before putting any money in as you can lose money on there. BUT, done right it's pretty profitable. I've lost $23 out of $15k. Or the way I look at it, I paid $23 for ~45k Chase points. Pretty good deal to me.
If you're interested in more, PM me and I'll share my strategies. Rule #1 -- AVOID US borrowers. There's more than enough sources of credit in the USA. If they're fishing around on Kiva, they're not going to pay you back.
If you're interested in more, PM me and I'll share my strategies. Rule #1 -- AVOID US borrowers. There's more than enough sources of credit in the USA. If they're fishing around on Kiva, they're not going to pay you back.
#14
Join Date: Feb 2012
Location: The place where it gets so hot in the summer some planes can't take off.
Programs: Marriott LT Titanium, WoH Globalist, National EE, United Platinum
Posts: 1,446
I'm going to derail the thread slightly, but how do you have 75000 PQM/90 PQS to achieve Plat, but you don't have at least enough spend for silver/gold? Just confused by your statement of having zero status.
If you can float the amount you're short of the $25k go hit a Simon mall. You can buy $10x$1000 GC at a time (maybe it's 20) and either find a way to liquidate those or just use them for your spend over the next months.Read in the MS forum on how to get rid of them if you don't want to put organic spend on them.
If you can float the amount you're short of the $25k go hit a Simon mall. You can buy $10x$1000 GC at a time (maybe it's 20) and either find a way to liquidate those or just use them for your spend over the next months.Read in the MS forum on how to get rid of them if you don't want to put organic spend on them.
#15
Join Date: Jul 2011
Location: SF Bay Area
Programs: UA MileagePlus (Premier Gold); Hilton HHonors (Gold); Chase Ultimate Rewards; Amex Plat
Posts: 6,649
I can think of one easy way you could do it: partner flights on non-016 tickets.