Garden Club - April 2019

[Anonymous]

Friday. Work. Bah humbug.

[simplynoir]

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@Remedios wrote:

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@simplynoir wrote:

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@Remedios wrote:

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@simplynoir wrote:

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@pizza1 wrote:
How I apologize.....

I'm sorry that your behavior forced me to act of character. You should work on that.

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"I hope the rest of your day is as pleasant as you were to me."

Just said this to banker I was speaking with few moments ago because otherwise I might have legit went "do you know who I am?" at him.

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You should have. Totally justified. 

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If he caught me on a bad day I would've. Trying to save my first time for something special if I can.

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It's Friday, you're working. That's bad enough. 

At this rate, I'll do it before you 😐

Because I really want to. As long as there are no people with phones behind me.

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I didn't realize this was a race 😐😂

Do it!

[calyx]

Never change, CK, never change.

[Remedios]

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@simplynoir wrote:

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@Remedios wrote:

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@simplynoir wrote:

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@Remedios wrote:

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@simplynoir wrote:

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@pizza1 wrote:
How I apologize.....

I'm sorry that your behavior forced me to act of character. You should work on that.

---

"I hope the rest of your day is as pleasant as you were to me."

Just said this to banker I was speaking with few moments ago because otherwise I might have legit went "do you know who I am?" at him.

---

You should have. Totally justified. 

---

If he caught me on a bad day I would've. Trying to save my first time for something special if I can.

---

It's Friday, you're working. That's bad enough. 

At this rate, I'll do it before you 😐

Because I really want to. As long as there are no people with phones behind me.

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I didn't realize this was a race 😐😂

Do it!

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I am waiting for someone to tell me NO or displeases me otherwise 

Might be today 

[expatCanuck]

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@Adkins wrote:

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@K-in-Boston wrote:

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@RicHowe wrote:

... and now the burning question ...

How much trouble did @K-in-Boston have using American Express on his european travels?

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Would you believe absolutely none? Every time I have used NFCU Amex (for “30,000 reasons”) it has worked flawlessly. The vending machines in the Underground stations even accept Amex for topping off your Oyster Card (tap card for the tube and buses). I would say at least around London it’s at near-parity with US acceptance.

I’ve actually been paying with my phone 90% of the time. ApplePay and other contactless methods are very well-accepted over here and it’s nice to know I’m always getting 4.5% back on USB AR no matter how things code.

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They always say they are working on more acceptance world wide. 

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For me, it's a moot point given Amex's high AF / FTF trade-off.

(Half of my cards have no fee and no FTF, all but one of which also provide cash back.  And then there's the CSR, which gets pretty much all of my travel spend.  But then, my mileage varies.)

[Brian_Earl_Spilner]

What Amex needs to do is lower their fees temporarily to get their foot in the door with more place. Get that saturation.

[simplynoir]

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@Remedios wrote:

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@simplynoir wrote:

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@Remedios wrote:

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@simplynoir wrote:

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@Remedios wrote:

---

@simplynoir wrote:

---

@pizza1 wrote:
How I apologize.....

I'm sorry that your behavior forced me to act of character. You should work on that.

---

"I hope the rest of your day is as pleasant as you were to me."

Just said this to banker I was speaking with few moments ago because otherwise I might have legit went "do you know who I am?" at him.

---

You should have. Totally justified. 

---

If he caught me on a bad day I would've. Trying to save my first time for something special if I can.

---

It's Friday, you're working. That's bad enough. 

At this rate, I'll do it before you 😐

Because I really want to. As long as there are no people with phones behind me.

---

I didn't realize this was a race 😐😂

Do it!

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I am waiting for someone to tell me NO or displeases me otherwise 

Might be today 

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We will eagerly await that day

[simplynoir]

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@Brian_Earl_Spilner wrote:

What Amex needs to do is lower their fees temporarily to get their foot in the door with more place. Get that saturation.

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Their fees are reportedly lower than Visa's now.

[simplynoir]

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@expatCanuck wrote:

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@Adkins wrote:

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@K-in-Boston wrote:

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@RicHowe wrote:

... and now the burning question ...

How much trouble did @K-in-Boston have using American Express on his european travels?

---

Would you believe absolutely none? Every time I have used NFCU Amex (for “30,000 reasons”) it has worked flawlessly. The vending machines in the Underground stations even accept Amex for topping off your Oyster Card (tap card for the tube and buses). I would say at least around London it’s at near-parity with US acceptance.

I’ve actually been paying with my phone 90% of the time. ApplePay and other contactless methods are very well-accepted over here and it’s nice to know I’m always getting 4.5% back on USB AR no matter how things code.

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They always say they are working on more acceptance world wide. 

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For me, it's a moot point given Amex's high AF / FTF trade-off.

(Half of my cards have no fee and no FTF, all but one of which also provide cash back.  And then there's the CSR, which gets pretty much all of my travel spend.  But then, my mileage varies.)

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So it's okay to have a high AF with no FTF as long as it's the CSR because of acceptance I'm assuming?

Personally, there are more transfer partners to like with AMEX but as you mentioned mileage with everyone varies. As long as you find redemptions you like then it's all good.

[expatCanuck]

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@Brian_Earl_Spilner wrote:

What Amex needs to do is lower their fees temporarily to get their foot in the door with more place. Get that saturation.

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Unless it's content with its existing market share/segment(s).