How does an App O Rama Affect Your Credit score

You probably shipped your pants the day you heard that I had applied for five credit cards in one day.  You probably order the undertaker to lower my credit score down to below 100 (which isn’t even possible). Your heart skipped a beat.

Disclaimer: Please make the most responsible decisions for your credit. We do our best to explain how this stuff works, but ultimately you are responsible for the decisions you make.  

How crazy was I to apply for five credit cards in one day?

Back in the beginning of February, I made the plunge and applied for five cards in one day.  After reaping over 250,000 miles, I felt like a potato farmer admiring his beautiful crop.

I’ll be honest.  My blood pressure ran about 400/200 when I was pulling the trigger on the cards.  The rush was greater than that of riding a crazy rollercoaster…. And I can’t wait to do it again.

What was my Credit Like Before the App O Rama?

I had 8 years of solid credit reporting.  Never missed a payment, and never paid interest. It’s that simple. You shouldn’t be paying interest either.

Here are some more details:

  • One mortgage for four years
  • Seven other credit cards
  • Four of those cards were active at the time I did the App O Rama
  • I had just been approved for a new mortgage

My score was floating at about 760 at the time that I decided to make the plunge.

How Has the App O Rama Affected My Score?

Credit Score

My Credit Karma Report from January through September

CreditKarma is a free service that gives you an estimate of your TransUnion credit score. Their service is bomb.com and you should really use it whether you apply for credit cards through the App O Rama process or not.

They look at all of the information from your score without performing a “hard pull” on your credit.  The soft pull gives them an idea of your approximate score, and they share it with you for free.

Proved you wrong!  You thought my score would drop like a hot rock, but instead it has actually improved according to Credit Karma.

What Factors of an App O Rama Would Negatively Affect your Credit?

Credit Categories

You’ll benefit by doing an App O Rama by:

  • Using a Credit Card
  • Paying it off each month
  • Increasing the amount of accounts

You’ll be negatively affected by doing an App O Rama by:

  • Lowering your age of credit history
  • Making a new credit inquiry

The initial affects of an App O Rama can definitely be seen as the worst of it.  My credit score took a dive of about 20 points a couple months after the day I applied for five credit cards in one day.  The new inquiries and the lowering of my average credit age definitely hurt me in the short run.

However, in the long run it has been working out great.  With more credit accounts and more on-time payments my score has actually improved from the App O Rama.  Today they’ve got me estimated at 777, which is higher than I was when I started.

Once you’ve proven yourself as a worthy creditor, the benefits can really start to outweigh the the costs.

When Should You Avoid Doing an App O Rama?

Whether you’re talking about exercise, getting a vasectomy, or joining a new religion the answer is the same.  You need to research.  Be prepared, because a vasectomy isn’t easy to undo, and neither is your credit.

Here are a couple of reasons why you should NOT do an App O Rama:

  • You have not established credit history
  • You have a credit score lower than 720
  • You only have one or two items in your credit history
  • You plan on making a serious purchase within the next 2 years

If you’d like more information on this topic, check out our post about Planning a Successful App O Rama, and see how My First App O Rama worked out for me.

 

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Three Anniversary Trip Ideas from the Northeast

There’s a reason newlyweds set out on their new life together by indulging in a honeymoon vacation… travel allows people to connect in ways that no other activity provides with such tremendous ease.

The fact is, travel is about discovery – it’s about novelty and adventure.  When two people travel together they rely on one another, and the experiences they have together weld them in a way that everyday life doesn’t allow.

It makes sense, then, that we also travel for anniversaries.  I’m going to make the case that creating a memorable experience together will have a much more lasting impact than any gift that moth or rust corrupts.

At WorldWanderlusting, our objective is to banish from your mind the thought that there are travel experiences that you’d love to do, but money doesn’t allow.  We’ve been traveling on a little cash and a lot of points – something you can do, too, if you can be prudent with your spending and use credit cards for everyday purchases.

I’m going to show you how you can have your choice of three different 4-day getaways from the northeast US – with free nights in hotels – that will rekindle romance for you and your spouse as you celebrate an anniversary or some other special date together. 

Niagara Falls Anniversary Trip

Niagara FallsWe’ve blogged pretty extensively about the Niagara Falls area – and it has a romance all its own. We have a couple of specific posts that go over some of the details on this: Best of Niagara USA and Niagara Falls Vacation.

Do

  • Maid of the Mist – A ferry takes you into the mist of the falls.
  • Old Fort Niagara – Be transported back in time.
  • Lockport Cave – Your lover will cling tightly to you as you do this darkened tour.

Eat

  • The Red Coach Inn – Near the falls with plenty of history.
  • Sweet Sixteen Cafe – Perfect little sandwich shop and bakery in Lockport.
  • Dinosaur BBQ – An abundance of smoky deliciousness in nearby Rochester.

Stay

Martha’s Vineyard Anniversary Trip

English: Cottages, Martha's Vineyard, Massachu...

English: Cottages, Martha’s Vineyard, Massachusetts, USA (Photo credit: Wikipedia)

Do

  • Aquinnah Cliffs – Sit atop the cliffs and watch the waves roll in.
  • The Vineyard Playhouse – Catch a show
  • Oak Bluffs – Just wander through the neighborhoods of quaint gothic revival homes.

Eat

  • The Black Dog Tavern – The MV original chowderhouse.
  • Smoke n Bones BBQ – If you’re like me and seafood’s not your thing, there’s no shame in some delicious BBQ.
  • I’m not sure where I got it, but I know that some eight years ago I ate the most delicious meatloaf sandwich I’ve ever tasted from a great little deli somewhere on the island – if you manage to find it, please tell me!

Stay

Burlington, Vermont Anniversary Trip

Do

  • Ride the Bike Path – Along Lake Champlain, this is the way to experience the area. Bring your bike or rent one, but do this with your lover and find an isolated beach.
  • Visit the Ethan Allen Homestead – You’ve heard the name, now hear his story.

Eat

  • Logans of Vermont – This place is #1 on TripAdvisor for good reason.
  • Trattoria Delia – Not cheap, but this place has atmosphere.
  • Penny Cluse Cafe – New England diner – great place for breakfast.

Stay

I hope you’ve enjoyed these ideas. Do you have other ones?  Any other comments or questions?  Please comment below!

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Free Hotels in South Carolina with Club Carlson

Disclosure: The Club Carlson Credit Card does not pay us a commission when you choose to apply for this card.  

Club Carlson

Rainbow Row

My affinity to the Carolinas was like love at first sight. Our romance has openly progressed over time and my wife is aware of our relationship.  We’ve been together four times int he past two years.

Neglecting the Carolinas would be like never tasting chocolate.  Once you’ve tasted, you’ll definitely want to go back again and again.

The most affordable way to visit the Carolinas is simply to WorldWanderlust your way there.  If you’re new to our site, this term might be new to you.  Put simply, it is to travel as much as possible while paying as little as possible.  This may seem like a unachievable paradox, but once you learn the way of WorldWanderlusting you’ll be convinced too.

The Club Carlson family of hotels (Radisson, Country Inn & Suites, Park Inn, Park Plaza) has a boatload of properties across both North and South Carolina.  The attractive feature about this list of hotels is that there’s a way to stay at each of these hotels for two nights for only 15,000 Gold Points.

And, conveniently, there’s also a way to get 85,000 Gold Points.  Club Carlson credit card offers this bonus Gold Points after meeting the $2500 spending requirement in the first 3 months.  At that rate you would be able to stay in five of these properties at 2 nights a piece, which gives you 1o free nights in amazing hotels -almost all of which offer free breakfast.
Carolina Trip

I know you’re skeptical.  You should be.  You’re first thinking is that these are the Cockroach Motel.  Nope.  Most of these are Country Inn and Suites hotels that not only offer clean rooms, but also free hot cookies upon check-in and an impressive breakfast spread.  What else do you want?  A swimming pool? Check.

Here are the hotels in South Carolina:

First Stop on the South Carolina Road Trip: Charleston, SC

South Carolina

Riding a Rickshaw in Charleston

When it comes to romance, this place takes the cake of all cities that I’ve visited in the US.  For some reason it’s got a magical feel.

Please splurge on the rickshaw ride when you’re visiting downtown.  As you ride through the streets of the beautiful homes that have pristine, manicured lawns and flower gardens.  You’ll feel the spark too.  Even with our son in tow we both felt like it was a romantic experience.

You could easily spend hours checking out the downtown area.  You can tour Fort Sumter which is famous because…..(Hint: Civil War).

If you’re really feeling rich, you can tour some of the homes in the downtown area with their gardens.  These are some luxurious homes that were once owned by plantation owners. Ensure you eat some Carolina BBQ for lunch and dinner.  You won’t regret the double down on that stuff.

You’ll stay at the Radisson Charleston Airport hotel.  You’re right, it is a small commute to the downtown area, but it’s free, and so is the parking. Plan on staying two nights here for sure.  You’ll also find some sweet factory outlets by the mall if you’re into shopping.

Second Stop on the South Carolina Road Trip: Columbia/Sumter

South PorchFirst thing you’ll notice about South Carolina: Trees.  Second thing: More trees.  This place is covered  in trees.  The further you get from Charleston you’ll notice a few hills, but the greenery is stunning.

The abundance of porches will blow you away.  You’ll still see Confederate flags from time to time, but for the most part the people have a very patriotic feel.

You know because it is football season that I’m going to recommend you attend a South Carolina Gamecocks game, right?  Their stadium is massive, and will definitely make you a fan.

You’ll also notice that this entire area is full of Civil War battlegrounds and museums.  Columbia boasts a Confederate Relic Room & Military Museum. That scores great reviews on TripAdvisor, and it teaches the perspective from the South.

Plan on spending some time here, but leave enough time for you to make the dash over to  Sumter, which is where you’ll be staying tonight at the Country Inns and Suites in Sumter, SC.

Third Stop on the South Carolina Road Trip: Florence

You’re probably thinking, Florence, like Michelangelo?  No.  Not that Florence.  This Florence is the heart of the South.  Here you can visit tobacco plantations, eat grits, fish off the banks of the river, check out the cotton trail, and much more.

Florence is still about an hour and a half to Myrtle Beach, so you could always add a side trip to Myrtle Beach if you don’t mind the drive.  They’ve got more mini golf in Myrtle Beach than everywhere else in the world.

Fourth Stop on the South Carolina Road Trip: Rock Hill

If you enjoy the outdoors, you’ll love this portion of your trip.  Plan on doing a hike in the Andrew Jackson State Park.

South Carolina FoodStop at a local restaurant and order something you’ve never tried before.  The South has foods like Okra, Grits, Hushpuppies, and more that are pretty unique to the South.  Food is a huge part of travel, and you need to be sure you’re trying it all.  The small diners are always going to give you more culture than the McDonald’s.

If you’re still looking for romance, rent a row boat and spend some time on the lake.  Hope that it begins raining cats and dogs like on The Notebook!  The lakes in the the South tend to be a bit more calm and give a surrounded feel with all the trees along the banks of the lake.

You’ll definitely miss it, and have strong desires to return.  The best part is you can get the Club Carlson Credit Card for your spouse and come back for seconds!  Tonight you’ll be at the Country Inn & Suites By Carlson, Rock Hill, SC.

Whether you fall in love with the Carolinas, or fall in love with your spouse as you tour them, two things are for sure: You’ll remember this as one of your most romantic trips, and your hotel stays won’t cost you a nickel.

Thanks for Carolina wanderlusting with us.

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Notice: Sheldon and I run this blog as a hobby – a really fun one that allows us to show other people how we’re able to use our credit prudently to get frequent flyer miles and points to travel like kings on a pauper’s budget.  We do make a little money at it because some of the cards we’re promoting pay us a commission when readers apply using our links and are approved.  The card we mention in this post is one of them, but we promote it because of the great travel benefits, not just for our own self-interest.  Most of the money we make is turned right around into trying to grow our readership.  We hope you’ll share our blog with your friends.

I have turned the Barclaycard Arrival World MasterCard into my “rack up some serious spending” card.  For my business, I often wind up with considerable “credit card-able” expenses. With its reward program which offers 2 points for every dollar and 10% in points back after redemption, the way I see it, I get 2.22% cash back for travel on every expense I put on the card.  Considering that the issuer probably only makes 3%, I’m recapturing a significant percentage of what vendors have to pay to accept my card in the first place.

Even if I didn’t have the business expenses, my wife and I have calculated that we have about $1500/month in costs that we can use a credit card to pay.  (Here’s a post about what expenses you can pay with a credit card). At that rate, I’m accumulating $30/month in free travel in addition to the $420 I start with the 40k bonus after meeting the $3000 spending requirement.

In any case, with all Barclaycard Arrival Points I’ve been piling up, I’m starting to feel pretty flush.  With our Italy trip coming soon, we had to pin down a babysitter, and with four rambunctious kids, our options were limited to paying someone.  I thought… what would be really nice would be to pay our babysitter with points!

But I came here because you said I could cruise for free

I know. I’m sorry, I’m getting there.  Nicole’s sister has heard us rave about cruises and seen us travel all over the world on points. She’s great with our kids and it seemed like the perfect nexus. I pitched her on the idea of us paying her for watching our kids by booking her and her husband a cruise.

Royal Caribbean Enchantment

Enchantment of the Seas – Photo from www.luchaniktravels.wordpress.com

My favorite cruise-booking site is www.vacationstogo.com.  I’m especially fond of the 90 day ticker which lists some seriously discounted cruises. It just so happened that their window for time off to vacation was limited to the first week of January.  It also just so happened that there was an amazing deal on the Royal Caribbean Enchantment of the Seas – $149 before taxes for an interior cabin for a four night cruise. PLUS a $50 on-board credit! (In case you’re worried that a $149 cruise might not be all that great, read these great posts about this ship [Photo Review and Midnight Buffet] by www.luchaniktravels.wordpress.com).

I tend not to hesitate when I see incredible deals like that, so I booked it – paying with my Barclaycard Arrival World MasterCard. The total, including taxes, was $441. Now, reimbursing myself will be incredibly simple.  When the charge appears on my account, I’ll see it by logging into the Barclaycard site.  I’ll click on the charge and redeem 44,000 points… then I’ll smile really wide when I see it instantly reimbursed in my account.

Using Barclaycard arrival points

How the Barclaycard Arrival World Mastercard works

It really is that simple.  I always marvel at the value presented by cruises – I mean, to think that you can have lodging (small, but well-serviced), food (incredible and unlimited), entertainment (hokey at times, but very well-done), and transportation to islands in the Bahamas for $55/day? Now, heap upon that the fact that with the reward points from my Barclaycard I can get it for free? I know it sounds like a fantasy… but this is for real… Tiffany and her husband are already planning their cruise in the Bahamas.

Here’s where it gets really crazy cool.  With the 10% back on reward points, I’ll get 4,400 right back in my account… already piling up for our next adventure (or the next babysitter bribe we have to pay).

Well, cool! But, what about the every 13 months thing?

Even if I didn’t have any business expenses, just using this card for every day expenses at $1500/month and starting with the 4,400 points, I could be right back to where we could do this again after 13 more months (13×3,000=39,000+4,400). Now, you’ll see that this card does have an annual fee, though it’s waived for the first year. You’d need to determine whether it’s worth it for you to do this twice (once for you and once for your spouse), or to keep the card and re-up every year.  I always recommend calling to renegotiate on the annual fees, too – you never know what they might give you.

What I’m getting at is that whether your wanderlust is for cheap cruises, Allegiant Airlines getaways, or whatever else you’re imagining, using the Barclaycard Arrival World MasterCard is a brilliant way to help yourself make these things happen sooner and more often.

Have a question?  Check our FAQ or leave a comment below.

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10 Ways to Make Travel with Children Easier

Are you one of them? It’s a large group of parents who use their children as the excuse for not traveling. They say it’s impossible. But is it really?

Cindy, a dedicated worldwanderluster, took her five children on a cruise out of Long Beach and visited Mexico and Catalina Island. Her children loved the trip and so did Cindy and her husband.

Brad took four children to Panama in January. His oldest child had been studying the rainforest in his 1st grade class when they made the trip. They completed their assignments overlooking the ocean.

Heath, another worldwanderluster, frequently takes his children to Costa Rica. They enjoy surfing, swimming in the ocean, hiking, and eating delicious fruit.

Trevor, who has been my travel inspiration for much of my life, did a European cruise without his child after finding family and friends who would watch his son for him. They thouroughly enjoyed Istanbul, Ukraine, and other ports along the way.

Ok. Ok. Ok. Fair enough. These are all best case scenarios, but the common thread is that these people all love traveling. It will never be easy to travel with children. You’re dreaming if you think it will be easy.

1. Take it easy– Many of the itineraries that we create readily show our travel ADHD. Most of our itineraries probably wouldn’t work with children. Plan on staying in the same hotel for longer than 2 nights at a time will make your life much easier.

2. Choose an easy destination– Picking Russia as your first vacation with children might not be the best idea. You should probably plan on choosing somewhere in the states, just you can see how to really make it happen. Keeping the same language will make your life easier and the stress level down.

3. Ok. You’ve got eight kids, Fine! Just Drive- There is nothing wrong with an epic road trip. If you’ve got eight kids you’re not taking too many flights unless you work for an airline or you’re super rich. You have no idea how many byways are close to you. Plan on camping a night or two between hotels. That will significantly lower the cost of your vacation in terms of dollars and miles.

4. Don’t think “the world is too scary”– Look. I’m not asking you to head to Syria or Egypt. Obviously those places are dangerous. I wouldn’t even go there, and that is saying a lot. There is nothing wrong with visiting many places across the globe. Your children would love Costa Rica or Panama, and those are very safe places.

5. Accrue the Points and Miles– This one is obvious because we’re a points and miles blog, but don’t’ overlook the power of this method. Lisa, an avid worldwanderluster took her four children to Tennessee to visit her brother’s family with the Southwest CC and only had to pay for a one way ticket home for one of the six of them. What a steal!

6. Plan the day around the children– Kids need naps. Believe me, as a parent of two children who often skip their naps, I know this. That is why on our trip to Europe we planned our days around his two naps. We always spend the morning at the hotel and doing minor site seeing close by. Then we’d hop in the car and allow him to nap. We would plan lunch around a fun activity that would allow him to get out his wiggles. Then we’d get in the car and he’d nap again.

7. Hire a nanny– We rarely suggest that you pay for your travel, but when it comes to caring for your children we recommend you pay whatever it costs. Your children are worth more to you than a trip. Don’t let some dirtbag care for your children because they quoted a lower price. Find a deal and pay them whatever it costs to ensure your kids will be well cared for.

8. Bring along a nanny– This is a great way for you to have a romantic dinner with your spouse. Find a reliable youth that can care for your children while you go out on the town.

9. Do kid friendly activities you both like– Bring along the lifejackets and swim with them in the ocean or lake. Both you and the kids really enjoy swimming. Art museums might be off limits for this vacation, so plan on visiting the Louvre when you’re just with your spouse.

10. Trade with Friends– This isn’t a suggestion to put your keys in the bowl, and we’re not sending you to a swinger party. Find a few friends that also love to travel and work out an arrangement to care for each others’ children while they’re out of town. It will help you to spend more time with your spouse.

I realize that traveling with children is not easy. Tears and meltdowns are bound to happen. Hopefully these ideas embolden you with the courage to forge ahead and book your next trip! What other advice do you have for others?

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Venice to Rome Itinerary in 13 days

The link in this post for the Starwood Preferred Guest® Credit Card from American Express offers a total of 25k bonus points after meeting the spending requirement.  We do receive a commission on applications approved from our links, but please carefully consider each credit application decision and ensure that you use the card prudently.

Almost as good as travel itself is planning a travel itinerary.  As a part-time travel blogger with a lot of full-time responsibilities that take precedence, unfortunately I do far more of the planning than I do the traveling. I still enjoy it, though… and on a rainy Labor Day, I did myself the favor of transporting my mind to another place by planning our Italy trip in October.

Venice to Rome Itinerary in 13 Days

Italy trip map

Venice to Rome in 12 Days Itinerary

Day 1

Arriving at 12:00 in Venice, we’ll get our rental car (Budget/Nissan Micra/ Booked on Expedia $28/day ~ reimbursed by Barclaycard Arrival World Mastercard). We’ll then take the scenic route to Slovenia through Austria and arrive at Lake Bled in time to take a rowboat out to the island, enjoy dinner, and a stroll along the lake.  I became convinced that we needed to make the drive to see Lake Bled after seeing some autumn photos. Wow.

Lake Bled Slovenia

Autumn mist on Lake Bled

We’ll stay at Carman Guest House, right on Lake Bled ~$71 reimbursed by the Barclaycard Arrival World MasterCard.

Day 2

We’ll start the day with breakfast as the mist rises off the lake, then take a tour of Bled Castle, perched high on an outcropping above the lake. Taking a different route, we’ll return to Venice by way of Slovenia’s capital, Ljubljana.

We’ll park our car near the Mestre rail station and take a train into Venice.  We’ll want to see St. Marco’s Square, Rialto bridge, the Doge’s Palace, and with great reluctance, fork over 100 euro for a romantic gondola ride.

We’re staying at the Hilton Molino Stucky, a splurge even in terms of points.  We’ll spend all 50k Hilton points we have here for one night… a night that would otherwise cost us almost $500… easy come, easy go.

Day 3

We’ll enjoy the royal feeling of our hotel and then set out to finish discovering the wonders of Venice – seeing glass blowers, browsing silk markets, and marveling at beautiful architecture with none of the crowds we’d have to compete with if we were here in the middle of summer.

By dark, we’ll make our way off the island to reclaim the car and head to Bologna – a stop we’re only making so we can take advantage of a 3000 point night at the Sheraton Bologna – points that came to us through the Starwood Preferred Guest® Credit Card from American Express.

Day 4

Florence. This is the epicenter of the Renaissance and the greatest artists the world has ever produced. After watching all 4 PBS episodes on the Medici dynasty, seeing the Medici Palace, Brunelleschi’s dome, Michelangelo’s David, and the birthplace of Leonardo Da Vinci means so much more.

Sunset in Florence from Gunther Machu on Vimeo.

We’ll take in the Uffizi museum and the Vasari corridor – something reading Dan Brown’s Inferno has inspired me to be sure to see, along with the Accademia, Palazzo Vecchio, and everything else our time will allow us to see.

As it starts to darken, we’ll head up to Piazza da Vinci, above the city for a perfect view of the valley. Tonight we stay at another 3000 point Sheraton outside Florence.

Day 5

We’ll spend the better part of the morning filling in what we missed the day before, and then make our way out of Florence, stopping by Lucca and any other Tuscan town along the way that seems interesting.

We’ll make it to Riomaggiore, the first of the Cinque Terre, just in time to watch the sun set into the Mediterranean from our hilltop bed and breakfast – one we booked on www.booking.com.

Day 6

collage of italy

Cinque Terre (Photo Courtesy Flickr.com)

Leaving the car at our hotel, we’ll walk from village to village all along the coast, enjoying the picturesque views.  If we can find the tunnel to Guvano beach, we’ll make our way through and watch the waves crash against the rocky shore.

Once we’ve made it to Vernazza, we’ll take the train back to Riomaggiore and get back in the car. We’ll make a brief stop to see the leaning tower of Pisa, but continue on our way.

By nightfall we’ll arrive at a unique lodging – Agriturismo Poggio Bonelli, a quaint Italian farmhouse on the outskirts of Siena. I booked this on booking.com for $100/night – all of which will be reimbursed by Barclaycard Arrival World MasterCard.

Day 7

We’ll set out to discover Siena. I’m not one for tours, but for 22 euros, it might be worth it to do a tour like this one: http://www.florence-tickets.com/siena-pass.html.

Again we’ll stay at the Agriturismo Poggio Bonelli.

Day 8

I found the most scenic route through Tuscany – a winding passage through Montalcino, Pienza, and Montepulciano. We’ll stop in each and casually enjoy ourselves.

italian castle

Badia Di Orvieto – our home for two nights

This is where our lodging gets really exciting.  We’ll be staying in an old Abbey in the mountains outside Orvieto – La Badia di Orvieto. It was a little more spendy – $190 a night, but when I’m spending money only to have it fully reimbursed by the Barclaycard Arrival World Mastercard, I can allow myself to be a little more frivolous.

Day 9

Etruscan Hill Town

One of the major draws to this area was the opportunity to see and experience what many consider to be the most beautiful Etruscan hill city – Civita di Bagnoregio. This place is genuine postcard material – with steep embankments surrounding a walled plateau. We’ll park our car and trudge up the walkway to enter the “little city.” At this point I will probably have to swap memory cards on the camera.

Again we stay at the Badia di Orvieto, feeling  supreme in our hilltop castle.

Day 10

On our way into Rome, we’ll stop by the ruins of the Roman bathhouse in Viterbo and head to Tivoli, where we can discover the famed garden of the Villa d’Este.

Returning the car at the airport, we’ll take the train into the core of the city.

Rome

Only some of the sites in Rome

Tonight and for the next 2 nights we’ll stay at the Sheraton Roma Convention Center – a category 3 SPG hotel that will burn 7000 points a night.

Day 11

Even with three days, we’ll never be able to see all of Rome.  We’ll sure as hell try, though. Today we’ll focus on the old city – the Pantheon, the Colosseum, Palatine Hill and the Trevi Fountain, where we’ll of course throw in some coins to ensure our return.

 

Day 12

Michelangelo

The Ceiling of the Sistine Chapel

Vatican City is square in our cross-hairs.  I want to spend a lot of time under Michelangelo’s masterpiece in the Sistine Chapel.

Day 13

Before we board our plane to say goodbye, we’ll tour the Catacombs of San Callisto along the Appian way.

After that, our adventures will cocoon into memories.  We’ll board the plane and tell Italy “Ciao” until next time.

Summary

In the end, we will have spent no more than $1000 on food, gasoline, trinkets and other small expenses. Our major expenses have all been paid for by points aside from some minor taxes and surcharges.

Flights: 80k AA points and $162 in fees for two tickets from SLC to Venice and Rome back to SLC. The points came to us from the Citi American AAdvantage World Mastercard.

Hotels: 12 nights – all free or with minor surcharges. 5 nights in SPG hotels for a total of 27,000 points, 6 nights in hotels I booked on booking.com for a total of $763 and almost fully reimbursed, and 1 night in a Hilton hotel splurging for 50k points (I could have stayed in an SPG hotel outside Venice for another 7k points.

Car: 9 days at $28/day for a total of $252 – reimbursed by 25,000 Arrival points.

We know it sounds too good to be true and we don’t expect you to believe it entirely… just give the concept a try with a tiny vacation and you’ll start to catch the vision that we’re promoting on WorldWanderlusting.com.

 

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Posted in Europe, Italy | Tagged , , , , , , , , , , , , | 9 Comments

My Brawl with Citi- A Credit Card Reconsideration Story

Two months.  For two months we traded blows until I finally delivered the TKO punch on Tuesday night.

My faith did not wane, nor did my persistence slow.  I knew that I would win the fight.  You must have the same confidence when faced with a similar challenge.  When the decision pends, it is time to prepare for a fight like Bob Barker does.

Here is how it worked for us.

On July 23rd my wife applied for a Citi AAdvantage card, as well as three other cards in her recent App-O-Rama that scored her over 140,000 points and miles.  Two cards were approved immediately, as they all should have, and two were pending decisions.

I didn’t bother calling Barclaycard, because the experience that others have told me said they just need more time to make a decision.  I immediately called the Citi Credit Card Reconsideration Line, they responded by asking a few questions over the phone and told me they would get back with me.  Frustrated I hung up the phone.

A letter showed up in the mail about a week later that requested:

  • A piece of mail showing that we lived at our address.
  • Proof that we owned the phone number listed on the application
  • A letter from our CPA confirming her income

Picky, Picky, Picky.  Not to be discouraged I scrounged up their requirements and sent them off to Citi.  After giving them three or four days to approve me I called and got the answer that they had DENIED my wife.  What were they thinking?  Shae has a wonderful credit score, low debt to income, impeccable credit history, and everything else a creditor would want.  The person on the line explained that he couldn’t tell why.

Here is where a little experience is so useful.  I hung up the phone and immediately put on my boxing gloves, dialed the number for the credit department instead of calling the application line.  You’ll see both numbers on our Credit Card Reconsideration post.

I talk about fighting, but really when Andrew from South Dakota answered the phone I acted more like a gentleman.  We chatted about the weather, Sioux Falls, and other things to warm him up to the meat of our conversation.  I wanted him to be on my side, not against me thinking I’m some #$$ screaming at him.  Most of these people have some leeway whether they approve you or not, so play nice even if they aren’t being fair.

Andrew explained that even though they had received the information from me answering all of their questions, they didn’t like:

  • The credit card statement I sent was too old.
  • The letter signed by my CPA wasn’t on letterhead.
  • We had never answered the phone number on file.

Instead of asking for further information, they straight denied her the application.  Are you kidding me?  He was definitely inclined to help us get approved for the card, so I worked with him to ensure we would get the approval and go 4 for 4 on her App O Rama.

He explained that our address wasn’t verifying (whatever that means), so I gave him my work address and he was able to verify that address.  A quick phone call to our home number (a Google Voice number) with Shae answering the phone and answering a couple of other questions and we were approved.

Yahoo! 100% Great Success.  More than a brawl, it was like a tea party with an old friend.  Andrew was more than happy to get us to the approval state in spite of our small barrier. The approach to take here is confidence, persistence, and kindness.  At the end you’ll feel like it has been a fight, but really it would all be worth it in the end.

What experiences have you had with your reconsideration stories?  We would love to hear about yours!

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Posted in App O Rama, Citi, Credit Advice, Credit Cards, How to Wanderlust | Tagged , , , , , , , , | 4 Comments