What’s so special about the Delta Credit Card? Let’s Look at Why People Like Me Love It!

One thing that really inspired me to start saving money is my Delta SkyMiles credit card. I wanted to travel ever since I was a kid. Growing up, it was really difficult to go anywhere because we were a large family, and the costs were just astronomical. I don’t think this card existed back then because I’m pretty sure my dad would have wanted it. I initially was looking for a card that just would earn me some miles and give back on purchases. In addition to these basic perks, the Gold Delta credit card provides a number of other benefits as reviewed on milecards.com.

I immediately earned 30,000 bonus miles after I made my first purchase of $1,000. You have three months after you open an account, but I bought airplane tickets to Australia the first weekend I had the card. I wanted to get over to Sydney as soon as possible. The air miles that I racked up for this trip alone allowed me to go on another trip just a few months later. My friends were really surprised that I was taking off to go to New York. It was kind of thrilling to be able to use the card that frequently.

I earned a $50 statement credit after I purchased my next tickets through Delta. This was part of the bonus that I got from my trip to Australia. When I decided to book another, I saw that I was able to get some cash back for flying with Delta. I earned as I spent as well. That’s part of American Express’ advantages for the Delta credit card. Cardholders get two times the miles on Delta purchases. So now, whenever I fly, I choose Delta because it earns me more miles, and I happen to really love their in-flight service. The attendants are exceptional, and there’s always some great bonuses like in-flight movies and comfortable seats.

I also earn one mile for each purchase that I make for everything else, so when I went to SoHo during my stay in New York, I racked up some more miles, and I also got some miles back from my hotel as well. If you use the card, you can check your miles each day and see how much you’re getting back. It’s really amazing. I never thought that a card would pay me so well, but I’m actually getting paid to travel and for making the purchases I would have made anyway.

There are some other great benefits to using the Delta card. I was able to check my first bag for free on every Delta flight that I booked. Since the benefit applies to traveling companions as well, the savings come out to about $200. They were pretty shocked to get priority boarding, but that’s another perk of having this card. You always get to board first and settle in without being bothered. There are some other premium travel perks as well, such as 20 percent off in-flight purchases.

The greatest part about this card was that they didn’t have an annual fee for the first year. Flying has really been much easier since I got the American Express Delta card. I didn’t know that I could earn money back before, and it’s been a blessing to be able to go where I want, spend money and always have some bonus miles to help me go on another trip in a few months.

Shopping with the Delta card is almost too easy. You can check your account online, and the interface is really smooth so you can see how much you’ve spent, how many miles you have and look at all of your transactions. The customer service team at American Express is also really fabulous. They helped me when I lost my card. I didn’t think I was going to be able to do anything on my trip to Colorado, but I had a new card quickly, and they also took care of any purchases that might be made with my lost card, which was great for both my credit and my peace of mind.

Overall, I give American Express’ Delta card a really high ranking. If you love flying all over and want to earn something in return, you’ll always have extra miles, and the annual fee is actually pretty low considering what you’ll find at other credit card companies. I’m currently planning another trip with my Delta card and hope that it’s just as good of an experience as the rest. I have enough miles to go overseas again, so I’m thinking about London this time. It wouldn’t be possible without the Delta card. It’s the only reason that I get to travel this much.

It’s All My Fault

As an adult in debt that is not related to absolute necessity (i.e. medical debt), I am fully aware that my debt is my fault. Not my parents’ fault because they didn’t tell me what to do with my money, not my school’s fault because proper financial education was not required, and not the big bad credit card companies’ fault for giving me credit when I was young and irresponsible. Mine.

tumblr_m20w18SvLA1ql5yr7o1_400

At the age of 18, we are officially declared adults. We can vote, smoke, have holes drilled into our bodies, and obtain credit with little to no income. I did all of these things. With this power comes great responsibility (thank you, Uncle Ben!). Adults are in charge of themselves. Therefore, whatever happens to them is directly influenced by the way they choose to live their lives.

Sallie Mae did not hide the fact that I would eventually owe the money I was borrowing back with interest. Neither did Visa. They gave me paperwork that laid this information out, and I signed it.

I am in a heap of debt. While it’s frustrating sometimes, the one thing I don’t do is play the victim. If you blame everything and everyone around you and do not take responsibility for your debt, you are essentially saying “I am not an adult. I am a child who ate too much candy and got a tummy ache.”

Grow. The. Fuck. Up.

If I may quote a movie (and I may because I’m the one writing this), “Stop feeling sorry for yourself. Okay, ‘cause I don’t associate with people who blame the world for their problems. Because you’re your problem Annie, and you’re also your solution.” If you don’t know which movie this came from, we probably can’t be friends. It’s not personal, I just really can’t associate with people who don’t watch awesome movies.

Own every decision you make in adulthood. You should be proud of and/or learn from every single thing you do. When I get mad about my HUGE amount of debt, it’s at myself. No one else spent that money for me. No one else over drafted my checking account like twenty times freshman year. No one else decided to max out my credit card buying spray paint. I did ALL of it and I own it. Because blaming it on someone else would be me waving the white flag to adulthood. It would be saying, “I can’t make my own decisions”. It would be the easy way out and I would lose all respect for myself.

So please, stop blaming:

Your parents

Your teachers

The economy

Marketers

Credit card companies

Banks

God/Allah/Buddha/Satan/Nature/Dave Ramsey/Me/Whomever or whatever the hell you believe in

You’re your problem. And you’re also your solution. Decide today to own your life.

How I fixed my credit card spending in 30 days

Since July, I drastically reduced my spending in all areas. How?

I forgot my PIN to one of my credit cards

and

I broke the other (literally, I cracked the card)

So for just over a month all my spending has been cash and debit. The result? I’m no longer a month behind my expenses. This is a big deal for me! Normally I put everything on my credit card, then pay it off as I am paid. While thiscan seem like an overall safe practice, it’s always given me some anxiety because I think that if anything were to happen, I would need to use my entire my emergency fund to wipe out my credit card bill — and then what would get me through the emergency?

I know I can call the credit card company and get a new pin, and call the other one and get a new card, but I just kept procrastinating that and spending my cash instead. Now I don’t even want to go back to spending on my credit cards because using cash has been so good for me!

Want to fix your credit card spending in just 30 days?

Step 1: cut up the card so it cannot be used

Step 2: do not call the credit card company replace card

Step 3: keep paying until the balance is gone!

You’re done! I know, I know, not exactly rocket science but at least it’s effective.

The Centurion: the Black American Express Card

Have you heard of this? My first encounter with the black American Express card was at a Christmas Party last year.

 

Someone had used the box it comes in (a bulk wooden thing with velvet trim inside) to house their present for the gift exchange. Would have just been nice if the card WAS the gift you know?? After the gift exchange was finished, I guess not enough people recognized what the wooden box represented so the gifter whipped out his black American Express and started showing it off to everyone. You know, not to point out he had one but just because it was made out of metal and that’s “so cool”. I had no idea what the card represented (or should I say what the cardholder wanted it to represent), but the overwhelming awkwardness of flashing your credit card around a party made me go home and google it. Here’s the lowdown:

The card requires a one-time fee of $5,000 followed by an annual fee of $2,500

The income requirement is not publicly disclosed, but it seems to be around $100,000/yr (personally I felt this was a little low for such an “exclusive” card)

The net worth requirement is not publicly disclosed, but is rumored to be around $250,000

The spending requirement is also not publicly disclosed, but looks like you need to blow $250,000 on your American Express Platinum card the year prior (baffling if you’re only brining in $100K/yr)

On average, Centurion card holders are 49-yro males with net worth over $1 million dollars and perfect credit scores who love to use their Black American Express card to buy clothes for women.

So why would you even want any of that?

Well, the first perk that caught my eye was complimentary companion airline ticket on international flights with the purchase of one full-fare ticket. Wow! Assuming you buy first class (and why wouldn’t you? You have a black card!), the complimentary plane ticket for your travel buddy would justify the annual fee and then some! I’ve checked: first class fights to Europe from Canada run in the neighbourhood of $5,000 — that’s twice the annual fee. Imagine being able to get that for FREE for a friend or spouse? I feel like it would be a lot easier to convince people to travel with me if I could offer them a free first class ticket ;)

Upon your arrival at your international destination, why not check in to a Mandarin Hotel? You get one complimentary night as a black card holder. You’re also complimentarily enrolled in Hertz and Avis rental car programs.

Furthermore, you can whip your titanium credit card out of your wallet at parties to let everyone know how rich you are. Who can put a price tag on that?

My poor credit card

There’s a lot going on on my credit card right now. I nearly choked when I saw the balance inching towards $3,000.

Of my gigantamous credit card balance, the bulk of it is:

- I’m waiting for a $250 cheque for some freelance work. I thought I would receive it at the end of last month, but apparently it’s due at the end of this month. I foolishly did that thing you’re never supposed to do: I went ahead and spent money without actually having it yet. Whoops! Now I have $200 worth of new dresses and not $200 to pay them off yet…

- A round-trip ticket to Vancouver costing $400 for a work trip in a few weeks. Turns out I can’t be reimbursed for this until I actually go and come back from the trip, so this will be sitting here for a bit.

- I’m waiting for a $130 in tickets for BeerFest this Friday. I bought the tickets for myself and 5 friends, but whenever I do this I’m always super panicky one of them is going to bail and not reimburse me for their share.

- $1,200 for roundtrip flights to Europe in June! This just needs me to transfer the amount from my savings to my credit card, which I’m procrastinating because I figure I might as well let the $1,200 earn interest in my savings account as long as I can.

The rest of my credit card balance is just me buying shoes and beer (normal spending!), and that I can pay off when I get paid on Friday.

Because of my credit card billing cycle, this balance will not be due until the second week of June, so thankfully I’m not at risk of accruing any interest — but I still hate seeing this much owing! I will be transferring money from savings to pay off the plane tickets, which will sadly put a bit of a dent in my net worth =( I knew it was coming, but it’s going to be hard to see that balance go down anyway.

On a happy note, I have a cash-back credit card, so at least I’m going to get a little bit of money back for spending so much money!