CarefulBuilder14 wrote:OP wasn't very receptive, and has decided on a course economically equivalent to taking out a loan at perhaps 150% interest.
And that's the thing...everyone makes mistakes and everyone does stupid shit. The problem is the reception to correct info.
First, he ignored the transfer partner issue and pretended he meant buying with points, which clearly was not the case. Then the point valuation thing...he tried to talk his way out of it a few times and then concluded with saying he doesn't care about the valuation he gets for the points, while saying he doesn't use cash back cards anymore... Just an idiot.