Should You Use a 0% APR Card to Pay Off Debt?

asd

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NOTE: The card APRs in this post are current at the time of writing (July 28th, 2016). Be sure to check the offers for more details.

So here’s an idea I’ve been tossing around.

It absolutely burns me up that I’m still dealing with student loan debt. And it should. Mr. Money Mustache said it best:

YOUR DEBT IS NOT SOMETHING YOU “WORK ON”. IT IS A HUGE, FLAMING EMERGENCY!!!

I’ve put off paying down this debt because there have been other opportunities to earn more: I bought a house, maxed out my IRA, started Airbnbs, and now I’m looking at buying a duplex in the DFW area.

All of these things either appreciate or earn more than the interest I pay on my student loans.

But I’ll be damned if carrying that balance doesn’t give me a red rump.

The idea

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New Changes to Citi Prestige, Complete With Typo of Points Worth 2 Cents Each for AA Flights

Oooh, pretty

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Update: The old 50K offer is still available! I’d apply sooner rather than later if you want it. It also says you’ll get AA lounge access still.

Update: Peeps on Reddit are reporting the 2 cent valuation, too. Who knows if Citi will honor this – it does seem like a careless typo after all, which is honestly inexcusable for a bank of their size.

Welp, the dreaded changes to Citi Prestige are in:

  • 40,000 Citi ThankYou points as a sign-up bonus
  • Minimum spending increased to $4,000 in 3 months
  • Dropping American Airlines Admirals Club access (but here’s an easy way to get in anyway)
  • No changes to 2X dining category (or any other bonus categories)

I’m guessing they had to axe the AA lounge access because of upcoming arrangements between Citi and Barclays with AA cards. That is fine. They could’ve been much worse.

Citi being Citi?

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Free Food! Get $20 Toward Your First Meal With UberEATS

How it works

Sharing this easy, easy win.

Easy

Easy

If you’re in a city where UberEATS participates (and there are many – full list below), you can get $20 off your first order when you use an existing user’s promo code after you download the app for iOS or Android.

It only takes a few minutes and you can seriously get a free meal out of it. I’ll show you how easy it is. Rarely are wins this effortless.

What’s UberEATS?

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Citi AT&T Access More Card Earns 3X for Student Loan Payments on Plastiq

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I made a test payment to my student loan company through Plastiq and earned 3X Citi ThankYou points with the Citi AT&T Access More card.

I’ve written how easy it is to boost your ThankYou points balance by paying rent and mortgages via Plastiq with that card.

Literally the devil

Literally the devil

And now, there’s another way to earn Citi ThankYou points if you need to make student loan payments.

About Plastiq + Citi AT&T Access More

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Best Cards to Use for Amazon Prime Day

Prime Day

It’s here – Amazon Prime Day. I was excited to see what Amazon would do today (July 12th, 2016) after the disappointing selection last year.

Prime Day

Prime Day is here, and it’s worth it this year

It looks good – there are many worthwhile deals for items like TVs, tablets, portable readers, clothes, even cleaning supplies.

Discounts are around 25%, with some items even more reduced. So it might be worth it to stock up – or at least see if something catches your eye today.

What’s Prime Day?

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Hilton Auctions: Another Way to Use Your Hilton Points

Grimes concert + 1 night at Hilton Berlin for 75,000 Hilton points

Peeps on Reddit posted about using Hilton points for “experiences” like:

  • Concerts
  • Sporting events
  • Food events
  • Culture events

It’s very similar to SPG Moments both in theory and application.

Use your Hilton points for lots of experiences via their online auction platform

Use your Hilton points for lots of experiences via their online auction platform

There are lots of events on there. They’re not extremely overpriced and might be appealing to some.

I wouldn’t say like, sign-up for a Hilton card to bid on these. But if you are flush with Hilton points, it could be worth a look to see if anything strikes your fancy.

What’s on Hilton Auctions?

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Delta Beats American If You Credit Premium Flights to Alaska Mileage Plan

Welcome indeed

Or, “Why I’m Flying Delta Again”

In my quest to credit partner flights to earn elite status on Alaska Airlines, I’ve been focused on flying coach with American. That’s because ALL AA economy flights get 100% credit with Mileage Plan.

Welcome indeed

Welcome indeed

If economy is your preference, American is by far better than Delta – if your end goal is to earn status or redeemable miles with Alaska.

But, if you fly Business or First, Delta wins hands-down. And, it might even be worth it to fly Delta anyway.

Let’s take a look.

Why Delta as a means to Alaska Airlines status?

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Driving NYC to Dallas: 4 Days of Ups and Downs (and Fire!)

Dallas!

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I set the date, said my goodbyes, and cut the ties. 

The move to Dallas has been a long time coming. I picked Memorial Day weekend to drive from Brooklyn to my new place in Dallas.

Now I’m here and it’s been about 4 weeks. Everyone kept talking about “getting settled.” Pssh, I don’t need to get settled. I’ll just pick right up.

It’s been a crazy few weeks:

  • 2 new Airbnbs
  • Buying investment property #2
  • Unpacking boxes
  • Werkin’
  • Getting acquainted with a new city
  • Visits from friends (already!)

In short, I guess, yeah, I did need time to “settle.”

The drive down took 4 days. I thought it would take 3. Here’s how it went down and why it took longer.

Day 1 – Brooklyn, NY to Winchester, VA

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Did You Get Free Tickets From Ticketmaster?

See if you have any vouchers

A bit of a quick PSA.

If you’ve paid Ticketmaster’s exorbitant “service fees” for event tickets since 1999, check your account.

They’ve settled a $400 million dollar lawsuit and have returned the money in the form of free concert tickets and discount codes for future events.

Long story short, if you’ve purchased a ticket through Ticketmaster in the past ~17 years, you may have free tickets sitting in your account – most of their emails about this have been going to spam folders.

Check your account

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Is Citi Planning Changes to the Prestige Card?

A box in a box in a box

I got an email from Citi asking me to take a survey put together by ISG Research (Insight Strategy Group).

Citi's

Citi’s rather vague email

The subject was, “We want your feedback on the best credit card rewards programs.”

But once I got into it, I realized they were asking about the Citi Prestige card.

The email even said, “Cardmember since 2015,” which was the year I got my Citi Prestige card.

In the survey, they ask the respondent to consider several mash-ups of card features and select the best option.

They throw around current Citi Prestige features like the 4th night free, annual fee, transfer partners, and ancillary benefits like the 3 free rounds of golf.

What is Citi considering?

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Hotel Review: ANA Crowne Plaza Osaka

Lobby of the ANA Crowne Plaza Osaka

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I should say up front: I really wanted to stay at the Hilton Osaka, but there wasn’t availability – paid or with points – for my dates.

And the Hyatt Regency Osaka wasn’t available, either. (Even if it was, it’s pretty far from most attractions, unless you want to be near Universal Studios Japan, which I hear is incredible.)

Lobby of the ANA Crowne Plaza Osaka

Lobby of the ANA Crowne Plaza Osaka

The only thing available as far as chain hotels was the ANA Crowne Plaza Osaka, an IHG hotel. It was between this and an Airbnb.

In the end, I opted to pay 50,000 IHG points for 2 nights here because:

  • It was free
  • I randomly earned IHG Spire Elite status and wanted to see if it made a difference
  • IHG Spire Elite status comes with 25,000 bonus IHG points, so one of the nights was a total freebie
  • I have a ton of IHG points and wanted to burn some of them
  • The Chase IHG card gives you 10% of your redeemed miles back in your account
  • The stay at the Hilton Tokyo was paid and I wanted to decrease the overall price of the trip

Arrival and check-in

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App-O-Rama: 4 New Cards and ~200,000 Points

Still the best high I've found

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Oh man, looking back on my first AOR 3 years ago is such a stroll down memory lane.

Still the best high I've found

Still the best high I’ve found

I was still newish to points and miles, new to blogging, still finding my voice and figuring out my travel goals.

I mentioned them at the time:

My travel goals for this round of apps are Toronto, Montreal, Boston, Dublin, Seattle, Alaska, and eventually, Australia. I’d also LOVE to fit in Vienna/Prague sometime this summer.

I made it to all of those places with the exception of Prague (which I mentioned recently as a possibility with Hilton points, so it’s still on my radar):

It goes to show the power of setting a goal.

But I should take a little wisdom “Three Years Ago Harlan” because my recent round of applications were rather scattershot. After I get settled in Dallas, I’m gonna need to plan a lot of trips with all the points and miles I’ll earn from this newest AOR.

4 new cards!

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