@kdm31091 wrote:
@jsucool76 wrote:
@kdm31091 wrote:
Im not jealous. I have no use or desire for a Ritz. Youll end up staying at a ritz more, therefore spending more money. Thats what they want. But if you legitimately frequent the ritz, then its fine.
My issue is more people feeling entitled. It is so rampant in society. People think just because they don't want to pay a clearly stated fee, they shouldn't have to. Resorting to moving limits to avoid a fee is IMO ridiculous.
It's not ridiculous. It's fiscally responsible. You're essentially saying "Don't take money from the poor banks, they need it."
It's not like people are taking money out of YOUR pocket, or a charity's pocket. No one is doing anything wrong. If chase had a problem with it, they would have stopped it. Based on the hundreds of posts on FT, there have been enough people doing this to the point where chase has noticed.
I didn't want to pay the AF for my ritz card, but I would have been willing to had there been no other option. I sent a SM and asked them to waive it, and they said yes. That doesn't make me entitled. If you want to pay the annual fee for ALL of your cards even when you don't have to, that's your perogative.
I have a Ritz, a Prestige, a PRG, a Marriott Rewards card, and an aviator silver card. That's over $1300 in annual fees. I'm not gonna pay a cent more than i NEED to. If the banks agree to waive my fee, I'm not going to argue with them. And if they refuse to waive it and I don't feel the card is worth my money, then I'll close it. Simple as that. That is how people operate.
If someone hands you $395, you dont throw it back at them. You keep it. It's $395 more for you to spend on their credit card.
You also don't "need" to have the cards if you don't want to pay the fees. You want to have your cake and eat it too. The fees pay for the benefits.
I am not trying to be a debbie downer. I just do not see the point in obtaining cards you know you don't want to pay the fee for, and then jumping through hoops and trying to get the fee waived. Why not just get a card you can justify in the first place, and save yourself the headache?
Nobody "needs" cards so you don't "need" to spend on the AF. What you need to do is get cards that work for you. You're right -- I will only pay a fee for a card if I have to, but in my case, I only choose cards that either have no fee, or have a fee I'm willing to pay (the BJ's card in theory has an annual fee). It is to me entitlement to say "well, I don't want to have to pay the fee" when you know about the fee going into the card and if the fee doesn't work for you, don't get the card.
As far as financial responsibility, well, it would probably behoove people to not pay to stay at a Ritz/Marriott if they are worried about their finances and instead choose more modest accomodations. The annual fee is the least of your concerns. The hotels that the card's points are for are almost always high end and expensive which is fine but certainly not frugal.
just because I don't WANT to pay the fee doesn't mean I can't afford to. But thank you for generalizing everyone that wants to keep their money as impoverished.
