CC's with ridiculous limits...why?!

[Anonymous]

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@Open123 wrote:

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@Anonymous wrote:

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@thom02099 wrote:

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@Anonymous wrote:
amex covers cell phone damage?

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More concerned about having an extended warranty, as well as for lost/stolen protection moreso than damage. 

https://www.americanexpress.com/us/content/card-benefits/purchase-protection.html

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awesome, considering they do come with a year manufatures warranty already, and I normaly keep my phone for 2 years, the extra year will be nice next time I buy a phone.

and it does cover lost or stolen phones? 

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For the first 90 days, yes.  Also, for accidental coverage too.

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damn, if only it was for a year or 2, I have bad luck with my phones, I need at least lost/stolen or accidental coverage on my phones

[Anonymous]

Citi offers complimentary cell phone insurance on the Forward card, not sure about their other cards. You just have to pay your cell phone bill with it each month.

[Anonymous]

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@distantarray wrote:

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@Anonymous wrote:
I need a vacation so Citi HHIlton get ready

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Credit Card Sign-On Bonus Minimum Spending Required Annual FeeTotal 425,000 Points + 2 Free Nights $13,750 $418

Citi Hilton Reserve	2 free nights + Hilton Gold Status (free breakfast & internet)	$2,500 in 4 months	$95, but well worth the free Hilton Gold elite status
Bank of America Virgin Atlantic	25,000 miles (transferable to 50,000 Hilton points)	$2,500 in 3 months	$90 NOT waived for 1st year
Bank of America Hawaiian Airlines Visa	35,000 miles transferred to 70,000 Hilton points	$1,000 in 4 months	$79 NOT waived for 1st year
Bank of Hawaii Hawaiian Airlines Visa	35,000 miles transferred to 70,000 Hilton points	$1,000 in 4 months	$79 NOT waived for 1st year
American Express Hilton Surpass	60,000 Points	$3,000 within 3 months	$75 NOT waived for 1st year
American Express Hilton HHonors	50,000 Points	$750 within 3 months	No Annual fee
Citi Hilton HHonors Visa	50,000 Points	$1,500 within 6 months	No Annual fee
Citi Hilton HHonors Visa	40,000 Points	$1,500 within 6 months	No Annual fee

Also remember hilton points are damn near worthless now, it WAS valued at 0.5 per point, now it's even less just get a starwood.

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Wow i thought citi hilton reserve is better the citi hhonors visa

was i wrrong

[Anonymous]

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@Open123 wrote:

In my view, one of the goals in life (whether personal or business) is to *minimize* expenditures, not to maximize them.  

We should always endeavor to find the best value for the price we pay regardless of whether or not we're purchasing food, dining, professional services or meeting our tax obligations.  If the same product or service can be had for a better price, we should always opt to do so.  

This notion of responsible spending is different and has nothing to do with CLs.  High or low, one's spending discipline and/or budget should remain unaffected.

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Well said. It took me a lot of years to understand this. I so wish I had heard all of this many years ago.

[Anonymous]

Open you have well spoken and we thank you for the wisdom you always spread on this forum

[Open123]

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@Anonymous wrote:

Well said. It took me a lot of years to understand this. I so wish I had heard all of this many years ago.

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That makes the two of us!  Had I known this after college, I could retire now, live in luxury and never work another day in my life!

[FocusedAndDetermined]

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@Open123 wrote:

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@Anonymous wrote:

Well said. It took me a lot of years to understand this. I so wish I had heard all of this many years ago.

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That makes the two of us!  Had I known this after college, I could retire now, live in luxury and never work another day in my life!

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I can name that tune in no notes!  Better to have learned the lesson later in life, than to never learn it at all.