I love credit cards so much! v2.0 (see first page for add'l details)

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SouthFayetteFan said:
That’s ridiculous. For a company that appears solely driven by money...they should be selling every magic band under the sun thru this medium. Disney, you make no sense sometimes. They could probably get more than the $10 for them too I bet. Wild...
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Maybe....what they appear to be doing is subtracting the cost of the plain bands 14.99 from the character bands $24.99...charging the $10 price difference
 
castoral said:
I'm now up to $42,000 in contractor payments for this year that couldn't be put on cc. The $28k kitchen remodel was the same (well, insurance paid $14k of it after a flood) but still, I think about what IF this could have all gone on cc. Ughh! At least materials all did to the tune of about $15k since Nov 2018.
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Oh ouch. That would kill me too. But I'm glad you have a good attitude and saw the silver lining of materials costs.;-) My husband and I rehabbed our rental home in 2016 and I don't remember why, but we bought 20! Home Depot cards for the flooring and that guy deserved a medal in my book. He not only allowed it, he inputed the cards by hand for me. I really like that Home Depot flooring guy. :)

Judique said:
My roofer took the first $5000 on a credit card. I had plans to use 3 different cards, but at least I found out in advance.

I did miscalculate though. I had them do all new gutters and if I'd waited just a bit I could have paid it as a separate job. Instead it all went on one invoice.

And, the next quote with a company that would have done all on a credit card was about 3K higher, so it may all be relative.
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$5000 is not so bad, eh? Except that means that job was SUPER expensive. And yes, I suspect you're right. It's all relative. Likely, these contractors that take credit cards are building it into their cost. But it makes me feel ridiculously better anyway, when they say why yes... we do take credit cards, no problem. lol

palhockeymomof2 said:
I had the same thing happed...we need a new fence but they would only take the deposit on a card...ugh
Will be in Orlando starting Saturday visiting our son...was looking forward to warmer temperatures then we have had here in NY...but not 100
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Yeah, I hear ya! We could use a little summer around here. Today is warm and sunny.. aren't we lucky?!
 
SouthFayetteFan said:
You expect more out of one of the nation’s 25 largest banks?? Hahaha! Yeah - it is BAD!!
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They charged me an "ANNUAL MEMEBERSHIP FEE" whatever that is lol. It is a horrible site and they obviously just don't care. @Lain suggested I buy a $1.00 amazon card for my Disney Premier upgrade to make "one purchase". Would that work for the Aviator employee cards as well?
 


SouthFayetteFan said:
That’s ridiculous. For a company that appears solely driven by money...they should be selling every magic band under the sun thru this medium. Disney, you make no sense sometimes. They could probably get more than the $10 for them too I bet. Wild...
Click to expand...

Stop - you may be encouraging them to charge more! You do know they are reading and listening - probably the reason the hotels disappeared of Chase. Actually charge what they will - I don't need any of them - I'd prefer free pins with reservations or something like that, that is collectible. It's not like I want to save old magic bands once the battery dies.

They are excellent at building up the frenzy - if it's scarce people got to have it.

And, I haven't forgiven them yet for taking away the Chase Lounge during Food and Wine....
 


palhockeymomof2 said:
Maybe....what they appear to be doing is subtracting the cost of the plain bands 14.99 from the character bands $24.99...charging the $10 price difference
Click to expand...
Yeah - that makes sense. And since it costs them probably $0.25 more for the character band and a minuscule additional processing cost to route them to the correct box it's probably like 90%+ profit to Disney.

Now the question is, do they have stats on how many people stay at resorts and buy special bands anyways? Perhaps there are people who declined the free band and purchased a special one or took the free one and also purchased a special one. In that scenario Disney is actually losing $14.99 (or thereabouts depending on the exact scenario) vs. gaining $10 (or $9 based on my profit assumption).

I can say that my family would never consider paying money for a "special band" when we can accept the free ones and happily go about our trip. I'd imagine we aren't alone BUT that there are also people purchasing multiple MBs and people in between. Given that there's no way to actually know the answers any math on this would be purely conjecture. But let's try anyways:
  • A google search suggests Disney has 30,000 rooms on property
  • Let's assume average occupancy of 3 (I'd guess that's super conservative...maybe?)
  • We'll assume 100% occupancy for ease of math which isn't conservative - So 90,000 people staying at Disney hotels...
  • And let's assume they all are staying a full week...so multiply 90k by 52 weeks and we get 4,680,000 people staying on property throughout the year
  • If 33% of those people would elect to pay $10 for an upgraded band that would be 1,544,400 MBs sold (after all it's ONLY $10, lol)
  • Assuming my $9 profit, they just generated $14MM in revenue!
  • Now for giggles let's also say that 5% of people would have bought a second MB at the full $25 even without this offer
  • Assuming $24 cost on those bands Disney loses $5.6MM in revenue there
  • So using my crazy hypothetical non-fact based calculation, Disney would increase their revenue by $8.4MM
Most of these numbers probably make no sense whatsoever but if somebody wants to play with it, have at it, lol! The thing I just can't figure out is why Disney (a) didn't do this sooner and (b) isn't doing this ALL the time... It seems like the potential revenue gained far outweighs the revenue lost.

I can tell you that when I heard of this option I immediately said "Wow - we'll do that - $10 isn't much". And I am one of the cheapest humans on earth...lol $10 definitely seemed like a magic number to me too...if it was $15 I think I'd pause for some reason...$10 just seemed like, yeah I will pay for a special MB for that!
 
castoral said:
I'm now up to $42,000 in contractor payments for this year that couldn't be put on cc. The $28k kitchen remodel was the same (well, insurance paid $14k of it after a flood) but still, I think about what IF this could have all gone on cc. Ughh! At least materials all did to the tune of about $15k since Nov 2018.
Click to expand...
At $32K right now for our solar shingled roof, no cc :rolleyes: Insurance paid a chunk (roof totaled in a wind storm last August), but still.

You can bet I will check which places/contractors take cc when we get to remodeling the kitchen in a few years!
 
I have 260k AA miles and dh has 109k AA miles (we had to use some of his).

Looking at booking:
aavacations.com
POFQ 8/6-8/10 for 118k (x2)
(includes car we won't be picking up)

useaamiles.com
Swan 8/10-8/15 Room# 1 75.5k (2 queens) and Room# 2 84.5k (1king/sofabed)

Seems best to book one POFQ room and both Swan rooms using my 260k, leaving about $180 OOP and then book the other POFQ room using dh's 109k leaving about $90 OOP.

@SouthFayetteFan or anyone else 'mathy', does this make the most sense or is there something else I should consider?
 
SouthFayetteFan said:
I can tell you that when I heard of this option I immediately said "Wow - we'll do that - $10 isn't much". And I am one of the cheapest humans on earth...lol $10 definitely seemed like a magic number to me too...if it was $15 I think I'd pause for some reason...$10 just seemed like, yeah I will pay for a special MB for that!
Click to expand...

Lol! Same! I saw the $10 price and thought "we'll definitely do these". Told my dd's this was probably a testing price for Disney and demand will be great and they will be $15 next time we go, which we may not would pay for. Lol, not sure why $5 seems like so much more. Interestingly enough, my dd's decorate their own bands (actually do all of ours) and my dd16 said she'd still rather do her own because she prefers the uniqueness. So, there will be that market of people who like the decorated bands but consider their band a 'work of art' and would never just buy one from Disney. Too ordinary...
 
elgerber said:
Couple questions on the Barclays AA Biz. Has anyone that didn't get instant approval, actually been approved?
Did anyone that requested the match to the higher 75 offer actually get the higher points?
Click to expand...
I did get approved after mine went pending. I applied on the 50k offer and requested a match to 60k, which I never heard anything back from Barclay but the 10k match points did show up in my account.
 
wendow said:
I did get approved after mine went pending. I applied on the 50k offer and requested a match to 60k, which I never heard anything back from Barclay but the 10k match points did show up in my account.
Click to expand...
Thanks! Did they show up right away with your 50k bonus, or awhile after?
 
LuckyMamaInDE said:
At $32K right now for our solar shingled roof, no cc :rolleyes: Insurance paid a chunk (roof totaled in a wind storm last August), but still.

You can bet I will check which places/contractors take cc when we get to remodeling the kitchen in a few years!
Click to expand...

I would be interested in why you decided to go with the solar shingles versus the contract solar companies (Solar City etc) that are swarming every roof these days? I thought it was a great concept, but didn't want to go the extra mile cost wise. Did you get a Tesla roof?
 
castoral said:
Double checked....no authorized users but yes, logged into my husbands account. I can see the "Refer a Friend" above the transactions section for both the Bonvoy and Marriott Biz, but not for the Hilton Acsend Biz. Downloaded the app just to check. Again, under Account, sure enough, refer a friend and refer a business are under the Bonvoy and Marriott Biz, but that section isn't available for the Hilton card.
Click to expand...

Well that's weird. The Hilton Biz is hubby's card so I can't check but his existing link is working and I see it from my MR card so it's not been completely removed from the RAF program. Sounds like you have a glitch on your card, might be worth a call to see if there's something they can do. Your "friend" is very excited to apply after your DH raved about his card ;)
 
SouthFayetteFan said:
Yeah - that makes sense. And since it costs them probably $0.25 more for the character band and a minuscule additional processing cost to route them to the correct box it's probably like 90%+ profit to Disney.

Now the question is, do they have stats on how many people stay at resorts and buy special bands anyways? Perhaps there are people who declined the free band and purchased a special one or took the free one and also purchased a special one. In that scenario Disney is actually losing $14.99 (or thereabouts depending on the exact scenario) vs. gaining $10 (or $9 based on my profit assumption).

I can say that my family would never consider paying money for a "special band" when we can accept the free ones and happily go about our trip. I'd imagine we aren't alone BUT that there are also people purchasing multiple MBs and people in between. Given that there's no way to actually know the answers any math on this would be purely conjecture. But let's try anyways:
  • A google search suggests Disney has 30,000 rooms on property
  • Let's assume average occupancy of 3 (I'd guess that's super conservative...maybe?)
  • We'll assume 100% occupancy for ease of math which isn't conservative - So 90,000 people staying at Disney hotels...
  • And let's assume they all are staying a full week...so multiply 90k by 52 weeks and we get 4,680,000 people staying on property throughout the year
  • If 33% of those people would elect to pay $10 for an upgraded band that would be 1,544,400 MBs sold (after all it's ONLY $10, lol)
  • Assuming my $9 profit, they just generated $14MM in revenue!
  • Now for giggles let's also say that 5% of people would have bought a second MB at the full $25 even without this offer
  • Assuming $24 cost on those bands Disney loses $5.6MM in revenue there
  • So using my crazy hypothetical non-fact based calculation, Disney would increase their revenue by $8.4MM
Most of these numbers probably make no sense whatsoever but if somebody wants to play with it, have at it, lol! The thing I just can't figure out is why Disney (a) didn't do this sooner and (b) isn't doing this ALL the time... It seems like the potential revenue gained far outweighs the revenue lost.

I can tell you that when I heard of this option I immediately said "Wow - we'll do that - $10 isn't much". And I am one of the cheapest humans on earth...lol $10 definitely seemed like a magic number to me too...if it was $15 I think I'd pause for some reason...$10 just seemed like, yeah I will pay for a special MB for that!
Click to expand...

This is exactly what I was thinking. I told SO that they should have been doing this ages ago. I also think they should lower the price of food. https://www.nytimes.com/2018/01/25/sports/football/nfl-concessions.html Typically people will spend more money if they think they are getting a deal. Especially soft drinks. I'm pretty sure that costs Disney nothing. I typically never drink beverages and just get water but if Disney had a large lemonade for $1 or $2. Id would be getting multiple on a hot summer day. At $4 or whatever I won't buy any lol.
 
AmyAnne said:
Are you giving them gabapentin? (That's my guess based on your comment about it being the same med your DH takes for back pain.) If so, this is what I give one of my cats when I have to take her to the vet -- she would actually be okay in the carrier but she would be a total demon to try to examine if she weren't sedated. Anyway, if it is gabapentin, there is a liquid form that I have found is the easiest to administer -- just open her mouth and squirt it in.
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Yeah it’s gabapentin. One cat decided he didn’t want to eat the food with it and he’s the one I was worried about meowing. He did terrible and yowled the whole time. The other cat didn’t meow once and almost fell asleep. We’re thinking next time we’ll give him tuna (which he loves) and a smaller portion because he might have just been too full.
 
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