Ditching United

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TXviking
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Ditching United

Postby TXviking » Sat Apr 16, 2016 8:44 pm

I currently have 35K United Miles. I have no plans to fly United again because, frankly, they pissed me off (details below for those who care). What is the best way, if any, to transfer those miles to another program or use them in some way other than flying on United?

I also have a Chase United MileagePlus Explorer MC that I have not used since this happened. Especially since that card has an AF, I plan to cancel before it comes up for renewal in June. A bit unhappy about what that will do to my AAoA, but Chase won't change it to any non-United-branded card. A bigger concern than the AAoA, however, is that this is my last remaining MC. I've encountered a few places, particularly in Europe, that take MC but not Visa. Not many, but I kind of liked having at least one MC. However, all the "good" rewards programs lately seem to be Visa or AmEx. Should I just let the MC go?

:rant:
United grievance #1: Used miles to take my stepson on a vacation to California. Because United's flight was delayed due to "equipment issues", they rebooked us on US Airways. Two $25 luggage fees, one for each of us, not waived, even though I was supposed to not pay for the first bag. :mad:

United grievance #2, and this is the big one: On another trip, they forced me to check my carryon because the overhead bins were full. When I got home, I found that my MacBook Pro had a noticeable bend in it, and that the screen on my iPad was cracked. United told me to file a claim; I did, including photos of the damage and quotes for repair costs. United wouldn't do anything about it because I 'left the airport' before filing my claim. (How many of you unpack at the airport?)

I hope cheating me out of a few hundred dollars was worth losing a customer for life. End of rant.


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CarefulBuilder14
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Re: Ditching United

Postby CarefulBuilder14 » Sat Apr 16, 2016 9:15 pm

If you want a MC with no FTF, you might consider Arrival. I prefer using Chase IHG and Citi AA, but I suspect those rewards programs wouldn't work for you well enough to bother. Arrival is pretty unexciting, but you'd get travel statement credits and no FTFs.

Not sure what United miles are good for, other than flights. Using miles for hotels seems to only give about 0.8 cpp.

My Delta and American points aren't as powerful, but I've had pretty reliable service with them.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

TXviking
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Re: Ditching United

Postby TXviking » Sat Apr 16, 2016 9:27 pm

I should clarify I'm not too concerned about no FTF. Most of my spending is still in the United States, and when I go abroad, I have a CSP Visa with no FTF. I'd be ok with paying a FTF for the rare occasion where the MC-only thing comes up.

I guess I just blew my own "need" for an MC out of the water a bit with that admission. So perhaps I should just let MC go.

I have considered the Delta AmEx Gold (they sent me an offer with $60K signup miles rather than 30K). However, I have two inquiries this year already, so if I apply for that, I won't apply for an MC this year. Heck, I might wait a while before applying for anything else at all.

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CarefulBuilder14
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Re: Ditching United

Postby CarefulBuilder14 » Sun Apr 17, 2016 2:34 pm

Untied.com (well worth a look) is facing another lawsuit.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

Tubpbs
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Re: Ditching United

Postby Tubpbs » Sun Apr 17, 2016 8:52 pm

CarefulBuilder14 wrote:Untied.com (well worth a look) is facing another lawsuit.


Can you elaborate?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: Ditching United

Postby CarefulBuilder14 » Sun Apr 17, 2016 9:14 pm

Tubpbs wrote:
CarefulBuilder14 wrote:Untied.com (well worth a look) is facing another lawsuit.


Can you elaborate?

United Airlines doesn't like it that a similar URL (Untied.com vs. United.com) exists to mock them and help unhappy customers file complaints.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

Tubpbs
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Re: Ditching United

Postby Tubpbs » Sun Apr 17, 2016 9:27 pm

Yea. I looked. I retract my question.

Not sure United has any right to do anything, but that won't stop them from consuming Untied's resources and putting them down.

I'm sure they could do some marketing research and show that the site confuses people and they think it's United's site.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

takeshi
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Re: Ditching United

Postby takeshi » Tue Apr 19, 2016 2:32 pm

TXviking wrote:What is the best way, if any, to transfer those miles to another program or use them in some way other than flying on United?

You might have better luck asking on a travel site. AFAIK once it's in your United MileagePlus account redeeming for other options generally doesn't yield anywhere near the same value. You can transfer to Marriott but the rate isn't favorable.

TXviking wrote:A bit unhappy about what that will do to my AAoA

It won't do anything -- at least not immediately. Closed accounts typically continue to show up on your reports and factor into your AAoA for 10 years. Revolving utilization, however, is immediately impacted.

TXviking wrote:However, I have two inquiries this year already, so if I apply for that, I won't apply for an MC this year.

With which CRA? Creditors don't all use the same CRA. A creditor will see the pulls on whatever CRA the report is pulled from but they won't see pulls done with other CRA's. Is your credit profile only able to handle 3 pulls?

TXviking wrote:A bigger concern than the AAoA, however, is that this is my last remaining MC. I've encountered a few places, particularly in Europe, that take MC but not Visa. Not many, but I kind of liked having at least one MC. However, all the "good" rewards programs lately seem to be Visa or AmEx. Should I just let the MC go?

It's up to you to determine your priorities. I wouldn't keep an MC just to keep an MC but I can't recall ever going to a place that only accepted MC. I'm not trying to argue that they don't exist. They certainly do. They just don't matter to me so I wouldn't worry over it. If it's a priority for you then you have to decide based on how important that is to you though seemed a lot less important in a later reply.

DogDadNY518
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Re: Ditching United

Postby DogDadNY518 » Tue Apr 19, 2016 4:37 pm

TXviking wrote:United grievance #2, and this is the big one: On another trip, they forced me to check my carryon because the overhead bins were full. When I got home, I found that my MacBook Pro had a noticeable bend in it, and that the screen on my iPad was cracked. United told me to file a claim; I did, including photos of the damage and quotes for repair costs. United wouldn't do anything about it because I 'left the airport' before filing my claim. (How many of you unpack at the airport?)


That's ridiculous. But it sounds like Amex would have helped you on this issue. They have a Baggage Insurance Plan. Its on my PRG. Not sure about their revolvers or other charge cards.
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TXviking
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Re: Ditching United

Postby TXviking » Tue Apr 19, 2016 5:04 pm

takeshi wrote:You might have better luck asking on a travel site. AFAIK once it's in your United MileagePlus account redeeming for other options generally doesn't yield anywhere near the same value. You can transfer to Marriott but the rate isn't favorable.


I'm ok with losing some value, but I'm considering into flat out donating the miles to charity at this point. I just don't want to let United pocket the miles.
Also asked over on Flyertalk.

takeshi wrote:It won't do anything -- at least not immediately. Closed accounts typically continue to show up on your reports and factor into your AAoA for 10 years. Revolving utilization, however, is immediately impacted.

Good to know. I guess it's just CK that makes that distinction of open vs closed then. Revolving utilization is not a concern; my utilization will be 1% even after closing the account.[/quote]

takeshi wrote:With which CRA? Creditors don't all use the same CRA. A creditor will see the pulls on whatever CRA the report is pulled from but they won't see pulls done with other CRA's. Is your credit profile only able to handle 3 pulls?

3 pulls on TU, 2 each on Equifax and Experian (although I don't know if Chase might have pulled Experian in addition to TU for my recent CSP application.)
I suppose it can handle more than two pulls, but I do have one adverse entry for another year (shortsale in 2010), so I'm trying to keep everything else as optimal as I can. Two years ago, excess inquiries shopping for a mortgage (two rounds, four inquiries each) dropped my score just below the crucial 760 and cost me a .125% increase in my mortgage APR. So I've been extra paranoid about inquiries since then, and abstained from applying for several offers I would've otherwise been interested in.

takeshi wrote:It's up to you to determine your priorities. I wouldn't keep an MC just to keep an MC but I can't recall ever going to a place that only accepted MC. I'm not trying to argue that they don't exist. They certainly do. They just don't matter to me so I wouldn't worry over it. If it's a priority for you then you have to decide based on how important that is to you though seemed a lot less important in a later reply.


I think I've come to the same conclusion. When I think it through, it doesn't matter as much as I thought it did. I'd still like to have at least one MasterCard, but I'm not going to apply for a card just to have a MasterCard. Going to let it go for now, but keep an eye out for otherwise enticing credit cards in the future, where a MasterCard logo would just be an added bonus.
Last edited by TXviking on Tue Apr 19, 2016 10:29 pm, edited 1 time in total.



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