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Same, was easy enough, I did it probably around 2018, when Gateway was 1:0.75 and Ascent 1:1 for transfers to most FFPs.

Sounds like you've had a hell of an adventure! Wanted to chime in re the PJs, VA's black PJ tops are my favourite, I have several sets from my frequent travels on their MEL-HKG route, all gradually getting worn out, and I'm sad to think I'll never get a new set (they were lovely when newly...

Ha! That would make sense. I know the EUR/USD options were vastly inferior, wasn’t exactly sure why!

I remember these, I created accounts for OH and I when QR were giving 5,000 Qpoints for signing up (before the Avios days); figured worst case I could move them to ALL, but it worked out quite nicely. Re OP's question, I've had a BAEC account for many, many years (before Avios even existed...

Remember how everyone was complaining in 2020/2021 that people couldn't come home? That was the Government too, they controlled the border and capped incoming commercial pax. It's a lose-lose, I agree there should be some self-responsibility, but whatever happens it's going to p155 off someone 🤷‍♂️

Yup, also works for takeout such as Ubereats, Menulog, etc. (and some restaurants I've been to in Singapore, Japan, Hong Kong, basically everywhere - even a hotel which codes as a restaurant for some reason). That said, interested in others' take on the Gold - I took it out for SUB, 20% credit...

This is what I was doing with the Hilton Aspire credit when it wasn't available for any airline purchase. Valid for 5 years, hopefully I'll use it before then!

No, I started with Aspire, then Surpass, can still get business and the standard personal. It’s once per card per lifetime (in theory), not per reward “currency”/family of cards. 1727168302 No issues at all, I’ve done 4x via GT and had all the physicals sent to AU.

VS frequent flyer program? It's a lot more useful not it's joined SkyTeam; I've got around 14,000 points that have gradually accumulated over years, one day I'll use them. I used to dump them into Hilton every 10k when it was 1:2, and even that wasn't a great use, but it's now 2:3 which is awful...

Sometimes, they also occasionally offer 9x points/$1 which can be pretty lucrative. Can you combine any of the various hotel vouchers to book a green hotel? General question as we get them every year and I always end up burning them on some random airport hotel or something.

Lol what am I doing wrong that nothing ever, ever turns up at PX hahaha.

Interesting re iOS 18, I've had no issues (yet) adding cards to iOS 18, this is on iPhone 15 Pro though, not sure if that matters. I wouldn't worry too much. Have you tried re-adding them from the Amex app?

No PIN, it spits out a receipt to sign like the old days (which seems to confuse people sometimes), but most of the time tap and pay is enough (or Apple Pay, which doesn't have the same limits). Do you mean you're having issues with getting the HSBC Premier US CC? As I would like to obtain...

Agree in general. No idea about the DE market, but there and the UK are both 0.3% interchange capped (along with the entire EU) and averse to annual fees, limiting opportunities for banks to make it work. The UK used to have quite a decent variety until the cap on swipe fees (albeit...

You could have paid cash for both parts of that, would've been better value imo., just flagging in case you weren't aware (although it's too late now obviously).

I haven't been asked by any US institution, but I have been through a financial review with Amex UK - I sent them my Aus payslips and provided them with my UK/AU addresses and phone numbers and attached the Australian bank statement showing salary payments, plus UK bank statements showing...

That would be me 😂 no worries, seems perfect as an alternative to T-Mobile, it also actually roams properly (connecting to cellular instead of just Wifi calling, which also works fine). It was a bit annoying relying on Wifi (or Telstra's cellular data) when I just want to receive SMS login codes...

So I have somewhere to receive mail/bills/somewhere to stay when I am present. Heaps of people own overseas property... 1726747359 They'll send you a cash advance PIN (or you can view online, I think), but you don't need it - US cards are still signature remember.

I was asked this to open the account (HSBC Premier US) - I just said I frequently visit the US and my main purpose for needing the account was to pay bills I have in the US. The trigger for asking was because I gave them a US phone number. They then said they needed more time to assess, and I...

No it isn't, they're all credit cards (I've got Surpass and Aspire, both credit, the base one and business card are too).