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    <title>topic SPG or Delta?? in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643038#M1345005</link>
    <description>If you had to app for one, which would it be and why?</description>
    <pubDate>Sun, 19 Jun 2016 03:52:03 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2016-06-19T03:52:03Z</dc:date>
    <item>
      <title>SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643038#M1345005</link>
      <description>If you had to app for one, which would it be and why?</description>
      <pubDate>Sun, 19 Jun 2016 03:52:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643038#M1345005</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-06-19T03:52:03Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643043#M1345008</link>
      <description>Well I know which one I'd apply for but that doesn't help you. Which card would benefit you the most? That's the one to go for.</description>
      <pubDate>Sun, 19 Jun 2016 04:07:42 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643043#M1345008</guid>
      <dc:creator>creditguy</dc:creator>
      <dc:date>2016-06-19T04:07:42Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643046#M1345010</link>
      <description>I would get value from both but I don't want both. Just asking whah you think is the better card? Just looking for opinions.</description>
      <pubDate>Sun, 19 Jun 2016 04:12:16 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643046#M1345010</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-06-19T04:12:16Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643059#M1345014</link>
      <description>&lt;P&gt;I'd choose SPG for the free nights.&lt;/P&gt;</description>
      <pubDate>Sun, 19 Jun 2016 04:49:00 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643059#M1345014</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-06-19T04:49:00Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643063#M1345017</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/59730"&gt;@creditguy&lt;/a&gt; wrote:&lt;BR /&gt;Well I know which one I'd apply for but that doesn't help you. Which card would benefit you the most? That's the one to go for.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;The SPG would be better for the extra nights, but if flew on Delta a lot I'd probably snag that instead. Don't know what the longterm outlook will be for the SPG after the Marriott&amp;nbsp;merger.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 19 Jun 2016 04:57:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643063#M1345017</guid>
      <dc:creator>creditguy</dc:creator>
      <dc:date>2016-06-19T04:57:08Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643097#M1345032</link>
      <description>SPG is more valuable to me. The legacy airlines are in a continuous race to the bottom with their constant devals. At the end of the day you need to decide which card you want more though.</description>
      <pubDate>Sun, 19 Jun 2016 06:50:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643097#M1345032</guid>
      <dc:creator>B335is</dc:creator>
      <dc:date>2016-06-19T06:50:57Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643132#M1345044</link>
      <description>&lt;P&gt;I prefer free airfare. Fly anywhere and stay anywhere.&lt;/P&gt;</description>
      <pubDate>Sun, 19 Jun 2016 07:58:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643132#M1345044</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-06-19T07:58:57Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643300#M1345081</link>
      <description>&lt;P&gt;If you get delta, unless you are flying a ton on delta RIGHT NOW, get a targeted offer of 50 or 60k ( i think 50k is available right now), pair that experian inquiry and get a PRG 50k bonus so you end up with 100k delta miles.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I like SPG because of its flexibility, as well as its transfer bonus. &amp;nbsp;20k transferred=25k actual miles, plus 4th night free, and they have tons of hotels that are nice for only 4k points a night that I use regularly. &amp;nbsp;Not to mention my favorite feature is the transferability to Amtrak! &amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 19 Jun 2016 14:05:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643300#M1345081</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-06-19T14:05:20Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643331#M1345094</link>
      <description>&lt;P&gt;For me, it's the Delta Plat. But that's because I fly Delta a lot. I'm in a Delta hub city so it's Delta 'everything'. By putting $25K on the card, the minimum spend for each medallion level is waived. I fly as cheaply as I can and wouldn't make the spend mimimums for the upper tiers. With the waiver due to the card, I will automatically repeat my Platinum status and will most likely hit Diamond this year.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The bonus miles aren't so bad either.&lt;/P&gt;</description>
      <pubDate>Sun, 19 Jun 2016 15:00:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643331#M1345094</guid>
      <dc:creator>NichelleN</dc:creator>
      <dc:date>2016-06-19T15:00:48Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643515#M1345160</link>
      <description>Decided to go with SPG, simply because it's flexibility. I can usually always find flight deals but we spend a lot on our hotels.</description>
      <pubDate>Sun, 19 Jun 2016 19:23:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643515#M1345160</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-06-19T19:23:12Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643560#M1345181</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Decided to go with SPG, simply because it's flexibility. I can usually always find flight deals but we spend a lot on our hotels.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I think you've made the best choice for the flexibility and the best rewards system out there since SPG points can be redeemed for 2.4+ and other valuable perks of the card&lt;/P&gt;&lt;P&gt;The only thing to watch for in the future is what Marriott does with the reward system but for now good choice IMHO&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 19 Jun 2016 20:31:33 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643560#M1345181</guid>
      <dc:creator>myjourney</dc:creator>
      <dc:date>2016-06-19T20:31:33Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643568#M1345185</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Decided to go with SPG, simply because it's flexibility. I can usually always find flight deals but we spend a lot on our hotels.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Cool. It sounds like you made a decision that best fits your needs which is definitely the right call.&lt;/P&gt;</description>
      <pubDate>Sun, 19 Jun 2016 20:42:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643568#M1345185</guid>
      <dc:creator>NichelleN</dc:creator>
      <dc:date>2016-06-19T20:42:37Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643734#M1345233</link>
      <description>Thanks for all the helpful responses. I actually plan to get the delta but not for awhile. I don't want to worry about meeting spend bonuses. And it's been two years since I've discovered this forum so time to start consolidating and closing!</description>
      <pubDate>Sun, 19 Jun 2016 23:23:50 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643734#M1345233</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2016-06-19T23:23:50Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643760#M1345239</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Thanks for all the helpful responses. I actually plan to get the delta but not for awhile. I don't want to worry about meeting spend bonuses. And it's been two years since I've discovered this forum so time to start consolidating and closing!&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I hear ya. I'm gardening now and will be doing some consolidating/closing activity by year's end. Congrats on your new card.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I should have added in my post above that I rarely stay in hotels when on personal travel. I have hotel stays for work travel but will generally rent condos for vacations. So, I've never really looked at the SPG. On the other hand, the Delta status results in a fair amount of first class upgrades so that's why it got my vote.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Enjoy.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 19 Jun 2016 23:47:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643760#M1345239</guid>
      <dc:creator>NichelleN</dc:creator>
      <dc:date>2016-06-19T23:47:28Z</dc:date>
    </item>
    <item>
      <title>Re: SPG or Delta??</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643926#M1345277</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/489652"&gt;@NichelleN&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Decided to go with SPG, simply because it's flexibility. I can usually always find flight deals but we spend a lot on our hotels.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Cool. It sounds like you made a decision that best fits your needs which is definitely the right call.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;+1&lt;/P&gt;&lt;P&gt;This is always important&lt;/P&gt;</description>
      <pubDate>Mon, 20 Jun 2016 02:18:53 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/SPG-or-Delta/m-p/4643926#M1345277</guid>
      <dc:creator>RonM21</dc:creator>
      <dc:date>2016-06-20T02:18:53Z</dc:date>
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