Credit card economics

The Hidden Challenge of Legacy Credit Cards

What happens when a card is worth keeping but not worth using?

Buying Virgin Points at ~0.5p via a UK Credit Card

Pricing the 36,000-point Virgin Atlantic bonus through an expat lens

The Only UK Marriott Card That Adds Nights to a US Setup

Why the UK debit card behaves differently from the credit card, and how it changes your starting position

Virgin Hotels Las Vegas Review (Curio Collection by Hilton)

A one-night stop built around credits, not the room

When Amex Offers Beat Points

The real cost of switching from points to cash on Marriott and IHG stays

What Happens When Marriott Moves a Certificate Ceiling

The hidden pricing shift and new card restrictions behind the 25K top-up

Hilton Credits in London: What Triggers

Testing how payments are processed across hotel bars and restaurants

A $100 Blacklane Credit Isn’t Worth $100

The Cost of Collecting

The final stage of a Capital One Offers experiment from abroad

Barclays Arrival Plus

A Fixed-Value Travel Currency With Optional Airline Upside

What Came After

Capital One Offers, tested from abroad

Capital One Offers: A Test From Abroad

A real-time experiment using Capital One Offers outside the US

Marriott Lifetime Platinum Is About to Be Everywhere

How Marriott’s post-2020 mechanics turned an elite status into a default outcome

Turning a $100 Splurge Credit into Immediate Marriott Reimbursement

A case study in redirecting an expiring retail credit abroad

Hilton and Me

How I actually use statement credits, certificates, and Diamond status

Marriott and Me

A cross-border Bonvoy strategy that delivers