u/absentbrain

Sorry $2300* I can't edit the title

(more than $2300 if you include the points and lounge benefits)

There were a few main factors to me netting so much this past year:

1. Getting the annual fee in July, helped me maximize the bi-annual benefits without being hit with the annual fee.

2. I took a gap year and I traveled Asia with it. Edits is actually worth using in Asia, since many options are less than $250/night. Every Edits benefit is actually worth $350 if you include the stipend.

So here's how it went:

Annual Fee: -$500

Travel credit: $300

Hotel credit: $1300 (Edits x 3 + IHG)

Concert credit: $450

OpenTable credit: $450

Using travel credit again before getting the annual fee refunded (I'm shocked that they let you do this): $300

Why am I downgrading? This won't be worth it if I continue after my gap year. I hate how points have gotten devalued and the annual fee has increased. There was so much micromanaging to max out the benefits, and I won't be using Edits at home where those hotels are a ripoff anyways. Also subtract the fact that I was able to use the bi-annual benefits 3 times & the travel credit twice.. I'd only be netting 300travel+300concert+300dining+250hotel-800fee=$⁶50. That's a lot of headache for $650, when I'm not really the mainstream concert or boojie dinner type anyways. Might as well get a credit card that has better points benefits.

So after 8 years I'm done. Bye, Chase.

The rules keep changing, and I haven't found a post about this that's less than 6 months old.

I've been a CSR member for 2 years, and I'm downgrading this year because I don't like what happened to the points & annual fee.

I just got my annual fee on July 1st. I quickly used the StubHub credit. I'm also waiting until my closing statement for the $300 travel credit. My credit is expected to appear on July 12, which means that I'll have 18 days to use it. But just in case it takes a while to appear on my account, I'll use it within the week that it posts. After it posts, I'll downgrade my card and get the annual fee refunded.

Does this sound safe?

Have there been any recent reports of clawbacks for StubHub or travel credit?

Has anyone here had longer than a 2 week delay, waiting for the travel credit to post?

The rules keep changing, and I haven't found a post about this that's less than 6 months old.

I've been a CSR member for 2 years, and I'm downgrading this year because I don't like what happened to the points & annual fee.

I just got my annual fee on July 1st. I quickly used the StubHub credit. I'm also waiting until my closing statement for the $300 travel credit. My credit is expected to appear on July 12, which means that I'll have 18 days to use it. But just in case it takes a while to appear on my account, I'll use it within the week that it posts. After it posts, I'll downgrade my card and get the annual fee refunded.

Does this sound safe?

Have there been any recent reports of clawbacks for StubHub or travel credit?

Has anyone here had longer than a 2 week delay, waiting for the travel credit to post?

Everyone in the taxi mob at the old bus station, lied to me for 2hrs straight about the shared ride to Sary Mogul.

The shared taxi leaves at 2pm every day at the old bus station. My hostel reassures me this.

First they redirect me to a different bus station where a Mashrutka charges 1500 per head (3x the price). I have to walk 15 minutes with 25kgs of luggage, just to find they're overcharging me.

So I do some research online, to reassure myself that the hostel didn't get the original address wrong. I decline the overpriced ride, eat some food and walk back. This time just 20 minutes before it leaves.

They intentionally keep telling me that the ride is somewhere else. They're pointing me in the wrong direction for 25 minutes straight. Then after I've exhausted myself stressing to find the ride with 25kgs on my back, this person goes up to me and says "the ride left 5 minutes ago. You have to take a private ride" never been so angry. Outside of the mountains, Kyrgyzstan has become my least favorite country in Central Asia because of the Mashrutka scams.

After verifying my email, it says:

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Your e-mail has been successfully verified. Click "Make Payment" button to continue.

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But there is no "make payment" button

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Has anyone else had this issue?

Does anyone have experience with dating in Kyrgyzstan? I have a feeling that this isn't the kind of place for passport bros.. The thing is, I don't travel to be a passport bro. I travel to see the world, and I don't let dating dictate where I go. But naturally, I am kind of a passport bro because I try to get girls wherever I travel.

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People told me that Kazakhstan would be difficult, but I was successful in 2/3 dates I had there.. maybe it was just luck.

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Girls in Kyrgyzstan definitely like me, and I get a lot of matches on my dating apps, but I just get the feeling that they're not the type to hook up on the first date.

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Anyways.. does anyone here have experience with Bishkek or anywhere else in Kyrgyzstan?

This wasn't an issue in Uzbekistan or Kazakhstan.

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Oddly, the first taxi that I ordered was fine.

Then I rented a scooter, and the payment didn't work.

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I tried removing and then re-adding both of my cards, and they all said " verification failed" despite passing 3DS authentication. I tried adding four more credit cards. Actually from five different banks total, and not a single one is working.

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I spent a few hours trying literally everything. I have a Google pixel and an iPhone, so I tried them both. I changed the account phone number from my Uzbekistan number to my Kyrgyzstan number. Then I tried creating a second account.

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I haven't read anything online about people having the same issue, and so I figured that I would post my experience on Reddit.

I'm in China, so I can only use Alipay and WeChat to pay for things. I've seen this issue with credit cards before.. and you get a standard error message with Visa if your card doesn't have 3DS enabled.

I'm trying to get the signup bonus with my new Bank of America Atmos business card. So I would really like to use it here. But it asks for 3DS every time I make a payment above ¥200 ($30).

No customer service agent has been able to enable 3DS. They say that it's already enabled, I know this isn't true.

I also haven't been able to set up Google pay here, not that it matters here but that's going to be a challenge when I go to my next country. okay, I just had to get directed to the correct supervisor, and I got Google pay enabled. Most agents didn't know what they were doing.

Customer support for Bank of America always seems so lost whenever I call them.

Granted, basically everything is paid for by WeChat and Alipay.

My hotel payment was recognized as "Miscellaneous and specialty retail"

My lunch at a quality restaurant, was categorized as "Political organizations"

Even Luckin Coffee straight through its app, was recognized as "Computer programming and design services"

I've been in China for a full week, and everything is only getting 1x multiplier.

and before anyone says "just pay with your card".. it's rare that anywhere accepts card outside of the major cities. I'm in Xinjiang, not Shanghai.

Granted, basically everything is paid for by WeChat and Alipay.

My hotel payment was recognized as "Miscellaneous and specialty retail"

My lunch at a quality restaurant, was categorized as "Political organizations"

Even Luckin Coffee straight through its app, was recognized as "Computer programming and design services"

I've been in China for a full week, and everything is only getting 1x multiplier.