Tag Archives: Manufactured spend

Why you shouldn’t book refundable airline tickets to use as your spending requirement

You signed up for new credit card great! Now, you’re stuck with having to spend $5000 and you don’t know how to spend ‎it. Between your car payment, gas, insurance and groceries you’re still short some money. Your face is three options.

Three options to choose from

Option 1. Do like we do spend on something and resell on eBay or Amazon.

Option 2. buy something careless like a new laptop or iPhone. Only buy what you can afford!

Option 3. Buy something refundable and cancel the purchase.

We already discussed option one being a reseller on eBay and Amazon at length in this post and in this post. At a later time we plan on going into more depth, sharing more secrets, and more details on how to make a lot of money. We also plan on showing you different opportunities such as cashback, student discounts, And other areas which will allow you to cut corners and maximize profits.

Option 2 really isn’t an option. No one spending $1000 on that new computer, watch, game just to meet a spending requirement. It’s like flushing your whole sign up on us down the toilet. Unless, that’s what you wanted to use your sign-up bonus for. I know someone that signed up for three Credit cards to spend $10,000 in a brand-new car. They used part of their sign up bonus as a way towards the spending of the car.

Need to spend $1,000? How about a new Macbook?

Option three is a refundable purchase. There two types of refundable out there.

Type one, would be refundable Merchandise.

I will give two examples of refundable merchandise. A store like Nordstrom. Nordstrom allows you to buy something on a credit card going to the store and return for cash. It’s an easy way to me to spend requirement swipe $3000 On a luxury item and then going to your nearest mortuary turner for a check or cash back. Honestly thinking if you take cash back that will probably be money-laundering. Another store that has this return policy would be Costco. Costco.com listed to pay with credit cards other than American Express. If you buy something on a visa card and bring it to start your return, they will give you back your money via check. They have no way of refunding visa card in the store. They only can refund American Express credit cards.

Type two refundable would be airline tickets. ‎

Go onto any website united.com delta.com etc. and book a fully refundable ticket for xxx months in advance. Then wait for your sign a statement to close site upon is supposed to pull the trigger and refund that you like ticket. The money will go back into your account.  And the points will stay.
Or will it?

Lately, American Express has been cracking down on refundable airline tickets. There have even been reports on this Reddit post Of American express phone event sign-up bonus accounts. They have also been reports of the special Amyx department set up track these type of people.

Doing something that wasn’t ethnical to bother you, then losing your sign up bonus by being quarterback from American Express. I am proud to say that I have never done before and the balls to meet a spending threshold. I don’t think it’s ethnical, or fear. More so I think it straight out stealing from the credit card issuer, And from the merchant.

Why you ask me. First of all stealing from the merchant. The merchant praise a credit card processing fee when charging a credit card. This is typically in the tuna half to 3% range. The sea is not only not returned when issuing refund, but they have to pay the fee second time if they put it back to a different credit card.

Additionally is six healing from the card issuer. The Kardashian’s giving you a signing bonus in lieu of the spends. They’re hoping that you won’t make the spend requirement, or you pay late, forget about your new account and they could charge you interest and the source of other fees. They’re also giving you a Of credit and hope for you to build on that line of credit and build trust in a relationship with them. They’re looking for a long-term commitment and business relationship that will burn them A nice return in the long run.
Signing up for credit cards, then booking refundable getting your points followed by closing your account is very calming. If your one of these people that do this be where the Day of reckoning is here.

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App-O-Rama Update on Approvals and Spending

As you probably know we just did a large App-o-Rama, or 3BM ( 3 Browser Method) recently.  Today we will share what is going on, how we are doing the spending, and some inside tips. First, we would like to start off with screen shots of the approvals.

Under my name I applied for following cards:







As you can see they were all approved, beside for one of the BUSINESS GOLD REWARD CARD because they considered it a duplicate application. Interesting to note, on my wife’s application I got 2 of these cards approved, possibly because they were applied for closer together.  Let’s take a look at the account and see how they are coming along.

Biz Plat spent $2.5k / 20k

Biz Reward Gold $1.3k/ 10k

Simply Cash $1.8k / 5k

The following cards I have already finished the spend on

MB Platinum Card $3k/ $3k

PRG $1k /$1k

Total I still need to spend is $29,500

Now you may notice that I did not include that Platinum card that I was approved for. Truthfully I didn’t notice until now, but it never came!!! I am on the phone with them now asking them where it is. :) Luckily I am writing this post and noticing it!

How do I do my spending?

No, we do not do refundable airline tickets, nor do we do MS (Manufactured spend) we do legit spending. here are some examples.

We bought Wii U from Best Buy for $250 each.

What did we do with them?

We sold them on Amazon Seller Central!

What are the fees and cost in doing this?

Let’s take a look at the Amazon Fee structure. View the Amazon Revenue Calculator here.

Enter in the ASIN and calculate the cost.

This item will sell for $310, and will gross $283.49 subtract the $250 I paid for it will net a profit of $33 per unit (less shipping to amazon costs)!

What were the inbound charges?

3 wii’s shipped together in one box only costed $7.75, only $2.58 per shipment.

That means each wii had a profit of over $30.

Now there are more ways that we can make this even more profitable, but we can’t share all the secrets in one day! Okay, we will share just one more. Before we bought this item we visted ebates.com look what happens. Each order adds up to some serious cash back!

Not every website gives free money but all the big sites that you are shopping on anyways will give you some cash back. Open your account today!

Next update. Wifes cards!

Read more:

Get Paid To Meet A Spending Threshold!

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Upgrade to the Hilton HHonorsTM Surpass® Card from American Express

Upgrade to the Hilton HHonorsTM Surpass® Card from American Express

I recently chanced upon this link on reddit and I saw there was something about a Hilton upgrade that will net 50k points without a credit pull. Many bloggers are talking about the 85,000 bonus offer but that requires a pull. We found this link, that upgrades your credit card WITHOUT a credit pull.


So all you need to do is have an existing card that is eligible, I had a HHonors regular card, so that worked. I didn’t apply for the HHonors card, rather I downgraded the Amex Delta Platinum card that I got last month with 60k.  For those that read our blog frequently, they would have nabbed that card as well. now it is really putting my credit pull to good use with this bonus 50k on the Surpass card.

What else do you need to do?

There is a spending requirement of $3,000 in 90 days, like all credit card signups.

Why do no other bloggers talk about this?

Most bloggers only care about their pockets. They will only show you cards that they make money on. They will show you the lower of the 2 offers if they get a commision only on the lower offer.  MMS usually writes the better offer and DoC always writes the best offer.

Resort in Bora Bora

We at Credit Card Joint have a strong belief that the consumer will appreciate the best offer all the time, We do not currently have links to promote any credit cards, therefore we will provide you with unbiased information. We will receive no ill gotten gains on our readerships behalf. Our goal is a long term readership that will benefit the site in the long run.

Having pointed this out, is it understandable why no other blogger write about this?

What are your thoughts regarding bloggers not disclosing information that you can use?

Read more coming soon What most Bloggers didn’t Tell you!

Application Status: How to Check If You Got Approved

View our home buying series here: Mortgages, Home Loans, Refinance, and Interest

And don’t forget to follow us on Twitter to be entered into our $50 Giveaway!

In Summary

Upgrade a HHonors credit card to the HHonors Hilton Surpass Credit Card and get 50,000 points after spending $3,000!


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160K Worth of Delta Points From American Express (Gold and Platinum) – Ends June 30th

50K American Express Gold Delta SkyMiles® Link (and business Version)

60k Platinum Delta SkyMiles® Credit Card 

Ending soon – June 30th

American Express has raised the signup bonus on the Delta Gold and Delta Platinum cards. The previous signup bonus has been only 30k, now it has been raised up to a whooping 50k. Although this card once had a 70,000 offer, that is long gone. This 50K American Express Gold Delta SkyMiles® the biggest bonus offer the Delta Gold card has offered.

When i tried to apply this popped up, read more about this here.

You have been identified as a current American Express Card Member. The welcome offer below may not be the same as the offer you saw advertised previously because the offer you saw advertised previously is not available to current American Express Card Members. This offer is also not available to applicants who have had a Platinum Delta SkyMiles® Credit Card account.

What Is In The Offer?

  • Earn 50,000 bonus miles after you use your new Card to make $2,000 in purchases within your first 3 months. (many cards have a bigger spending threshold, this card is only $2000)
  • Earn $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.

What Are The Card Benefits?

  • This is the lower end of the delta branded cards. There is the Platinum Delta SkyMiles® Credit Card also with a raised bonus of 60K.
  • This card comes with American Express top notch customer service that is unpallel to Chase, Barclay or Citi.
  •  Being an American Express card holder you will get benefits like purchase protection, extended warranty and return protection. See the phone numbers here
  • No forex fee
  • Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
  • Check your first bag free on every Delta flight – that’s a savings of up to $200 per round trip for a family of four.
  • Premium Travel Perks: Settle in sooner with Priority Boarding.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply

Sign up quickly for the Delta Gold and Platinum cards. The have a raised signup bonus of 50k and 60k. They also only have a spending requirement of $2000!

What Else You Need To Know

Back in April American Express added No Forex Fee on this card. However, if you had this card before you will not be able to get the bonus again. As we wrote over here. Before you apply you may also want to apply using the 3BM (3 Browser Method).

Additionally Million Mile Secrets shows us how the points are not hard to use. There is plenty of availability. Read more here.

Some other interesting articles:

Refer A Friend Current Offers From Chase And American Express

With this card you are able to refer friends and earn extra points.

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Free Shoprunner Membership With An American Express Card

APR Compounded Daily: What Does That Mean?

American Express Insurance Programs Phone Numbers

And don’t forget to follow us on Twitter to be entered into our $50 Giveaway!

In Summary

The Delta Gold and Platinum credit cards issued by American Express have raised the signup bonuses!

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