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<ul class="summary-list"><li>I use credit-card points to book almost all my travel, but I try not to carry a balance on my cards.</li><li>I don't stockpile points unless I'm strategically saving for a specific trip.</li></ul>I am a <a target="_blank" class="" href="https://www.businessinsider.com/mistakes-to-avoid-visiting-50-states-according-to-frequent-traveler-2024-10">frequent traveler </a>— on average, I fly at least once a month — and I put most of my expenses on my Delta co-branded airline credit card.I save a ton of money while traveling by using my points to book flights, and my credit card also gets me into <a target="_blank" class="" href="https://www.businessinsider.com/things-to-never-do-airport-lounges-frequent-flyer">airport lounges</a> where I don't have to pay for food and beverages.Over the years, I've found a few ways to optimize my points by following a few rules. As someone who <a target="_blank" class="" href="https://www.businessinsider.com/europe-family-vacation-million-credit-card-points-luxury-flights-hotels-2024-10">books most of my travel with points</a> and miles, here are things I'd never do.<h2 id="30c646fa-2b51-415a-a4df-78b35ca57dda">Instead of hoarding points, I strategize how I'll use them</h2>I always have a target or goal that I'm saving my points toward, and I use them for travel we're planning in the near term rather than hoarding them for "someday."For example, I recently got enough points accrued for my family of four to fly roundtrip from San Antonio to <a target="_blank" class="" href="https://www.businessinsider.com/day-trip-to-bahamas-from-florida-balearia-ferry-review-2023-5">Fort Lauderdale</a> for our vacation.I typically use my saved miles to pay for my family's travel and charge my own airline ticket to my card. This keeps me accruing miles while feeling like I'm getting four tickets for the price of one.<h2 id="68f19801-e919-427a-9828-f30bbf0c669e">I only use my points for flights</h2><div type="image" title="Airport with glass wall" height="3484" width="5195" msid="114991387" hostid="261" sizebytes="482900"></div>In my experience, it's rarely a good value to use my <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value">airline miles</a> and credit-card points on hotel stays or vacation packages.I can usually find deals on hotels through other loyalty programs or discount websites, so I save my points for flights, where they give me the most mileage — pun intended.<h2 id="b1a82e3d-122a-45aa-85d9-c693c89054f1">I try not to carry a balance on my credit card</h2>I accrue points through flights and other purchases with my Delta card, but I work to spend in a way that allows me to pay off my purchases monthly.I never want to carry a balance I can't afford and potentially <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-score/how-to-build-credit">negatively impact my credit</a> or get charged interest.<h2 id="67411841-bef4-4cbd-8eb0-6ce2b7dea7a1">Another thing I'd never do is have credit cards across a bunch of airlines</h2>I primarily travel on Delta but don't always get to choose my airline for work. Even so, I stick with my Delta card and just stay signed up for basic loyalty programs with other airlines.It's common to earn tons of miles when opening a new co-branded airline card, but I resist the offers. This is one time when I like to keep all my eggs in the same basket.I miss these perks when I'm not flying my preferred airline, but I remind myself that multiple airline cards mean multiple annual fees, and at the end of the day, that's not a good financial move for me.Plus, I like that my preferred credit card gives me free checked bags and the ability to choose a good seat without paying extra. I can also get on the plane in one of the early boarding groups, so the plane probably won't run out of overhead bin space before I get to my seat.Transparently, I also have a <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-southwest-rapid-rewards-premier-credit-card-review">Southwest Airlines</a> co-branded card, but I don't use it often. It's my oldest credit card, and the interest rate is reasonable, so keeping it is good for my credit score for now.<h2 id="940cab87-07b9-4790-adfa-c7b6dfcea3cf">I won't delete emails from my credit card company until I read them</h2>I like to be an informed customer by staying updated on my card's changes and latest offerings.Sometimes, this means sifting through a lot of emails, but I set aside time to read through any changes to my card and special offers.Plus, some discounts or offers are time-sensitive, so failing to read the emails promptly might mean I miss out on news that would <a target="_blank" class="" href="https://www.businessinsider.com/traveling-world-learned-save-money-at-home-2024-10">save me money</a>.

I use credit-card points to book almost all of my travel — but there are 5 things I'd never do

Pam's circle of parent friends likes to <a target="_blank" class="" href="https://www.businessinsider.com/how-much-kids-cost-raising-child-inflation-childcare-tax-exemptions-2024-1">split the financial load</a> when it makes sense, whether it's ordering pickup or delivery, going out for a group meal, or getting <a target="_blank" class="" href="https://www.businessinsider.com/cost-summer-camp-childcare-inflation-parents-debt-work-schedules-2024-7">tickets to a theme park or a movie</a>. But there's one dad who has recently picked up a habit that irks her: He insists on putting all their group purchases on his credit card.The gesture comes off as nice, but it ends up making extra work for Pam because she's constantly having to use apps like <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/digital-payments-apps-send-my-kids-money-2023-9">Splitwise or Venmo</a> to pay him back. Even when it would be easier if she just paid her family's part, he seems to slide his card in first. Once, when the guy was in line in front of her at a fast-casual restaurant, he waited for her to order before butting in to try to put the purchase on his card. It's not the end of the world, but Pam told me it's bothersome — especially because this dad acts like no one is picking up on what's going on. He's not doing all this out of the kindness of his heart; he's doing it because he wants the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/ways-to-use-credit-card-points-beyond-travel">credit-card rewards</a>."I overheard this person say that, 'Oh, with all of this spend on my credit card, I get 5% off this or 20% off this.' And I'm thinking, 'Oh, so this is just benefiting you,'" Pam, who lives in San Francisco and asked to use a pseudonym so the jerk in her group wouldn't know she thinks he's a jerk, told me. "I like people who are just up front versus trying to sneak things in and manipulate."Consumers love their rewards. In a recent poll from Ipsos, 71% of Americans surveyed said they had some sort of rewards, points, or cash-back card, and 80% of those with such a card said they valued their rewards. They'll cling onto those rewards even if it means a tough outcome for others: A 2019 LendingTree survey found that people were likelier to support a cap on how high credit-card companies could set their interest rates if the limit reduced access for people with imperfect credit than they were if it meant the cap would lower their rewards. Credit-card issuers and banks love rewards, too — they're a good way to attract customers.But maybe we love our credit-card rewards too much, to the point that it's making us act in less-than-ideal ways toward those we hold near and dear. Money is always complicated, and the standoff over who gets 1.5% cash back or three times the airline miles after paying for brunch is no exception. And it seems like no matter who picks up the check, everyone is a bit dissatisfied: For every Jane angry at Joe for insisting on putting everything on his credit card so he can upgrade his honeymoon to Singapore, there's a Mary fuming at Mike for shortchanging her when he paid back his part of the bar tab, making the points she got for paying the up-front cost a wash."It does seem like one of those ultimate pick-your-battles kinds of things," Matt Schulz, the chief credit analyst at LendingTree and the author of "Ask Questions, Save Money, Make More," said in an interview. "It's an awkward thing, and you just don't want to be that person who makes things uncomfortable over something like credit-card rewards."But credit-card rewards are, indeed, making things uncomfortable.Plenty of people have had the experience of the check landing after a group meal and multiple people trying to put their credit cards down so they'll earn the rewards. Usually, it winds up fine — you agree to split it, or you all decide to take turns, one person pays this time for the points, another next time. Not everyone at the table cares about maximizing their rewards, but just like some people are super into Taylor Swift or fantasy football, others are obsessed with gaming credit-card points. Whatever the case, a lot of points-related interactions can start to feel pretty icky pretty fast. Take a spin around Reddit, and you'll find all sorts of rewards-related conflicts. There are people complaining that their spouses don't want to play the rewards game, and other point obsessives weighing whether it's OK to refuse to split their rewards with their point-indifferent partners. <a target="_blank" href="https://www.reddit.com/r/AmItheAsshole/comments/108kjlj/aita_for_paying_for_my_share_of_the_trip_with/">One user asked</a> whether they should be expected to share their travel bonus with friends after booking a group trip. <a target="_blank" href="https://www.reddit.com/r/CreditCards/comments/vstsmq/paying_with_points_on_a_group_trip/">Another sought advice</a> after a friend asked whether they might be able to use their rewards to get a discount on a hotel for their group of friends. "I do have points," the person wrote, "but they are perks I get." They asked whether it might be acceptable to use their points but charge people the monetary value of the booking anyway.Jen, from Chicago, pays for everything she can to rack up rewards, and she's pretty sure it doesn't bother anyone else. "I haven't really run into anyone who's been super pissed off," she said, though she cools it in professional settings. If anything, it's a hassle for her. When traveling in a group, she's typically burdened with all the planning so that she can put all the flights and hotels on her card. Her partner refuses to get his own rewards card, which is frustrating, so she finally made him an authorized user on one of hers so at least she can get points from his purchases. "He doesn't seem to care," Jen, who asked to withhold her last name to protect her privacy, said. "Everything he gets, I get paid back."She did recently have a small dispute over points at a dinner with two longtime friends. When the roughly $120 check came, Jen took out her card, as she always does, but noticed another friend did, too. She'd gotten a new card through work and wanted to rack up points for flights. They decided to split the bill in half so that both got their points. Their third, nonpoints friend sent them each a Zelle payment, getting no reward for her trouble. When I asked Jen how much she thought the haggling was worth, she said maybe a couple of bucks. But it all adds up, she insisted. "It's enough for me, over time, to where it matters," she said. "I'm not trying to be greedy."A small disagreement over credit-card points isn't going to end a relationship, but it is a situation where animosity can build up over time, especially if there isn't good up-front communication. The person constantly in debt to the person who puts everything on their card can start to feel like they're being taken advantage of, and the person trying to track everyone down to get paid back can get upset, too."It is more work to chase down all of the payments, and so I think you have to decide for yourself what is the value of the rewards that you're going to earn by putting this whole thing on your card? And is that worth the time and energy?" Emily Thompson, a credit-cards editor at The Points Guy, said. If you're trying to hit $8,000 in spend to get a welcome bonus, the answer might be yes. If you're earning a point per dollar, which is worth about $0.01 in many cases, you may want to stand down. Lending money is often fraught, and people are effectively doing this when they toss everything onto their credit cards. In a CreditCards.com survey, 59% of respondents who had lent money or paid for a group expense with the expectation of being paid back said they'd had something bad happen. Forty-two percent of lenders said they lost money because they weren't repaid, and 26% said their relationship with the borrower was damaged."People should tread carefully because it only takes one person stiffing you for it not to be worth it," Ted Rossman, senior industry analyst at Bankrate, said. "Are you OK taking the risk? Are you going to follow up? I find that there are very quick diminishing returns with this. If you don't get paid back quickly, you probably won't get paid back at all."Someone slightly miscalculating the tip or tax on the reimbursement might negate the rewards earned, not to mention if they miss the payment entirely. Eating a $50 loss in the name of $2.50 in rewards is not a worthwhile trade-off.Friendships come with so much more gray area compared with, say, business relationships. What may seem completely fine to someone — taking a couple of weeks to pay a friend back or asking a friend to pay the cash equivalent of points they used for a hotel booking — might seem completely out of line to someone else."There are more clear terms for business, for romantic partnerships. But in friendship, what's normal? What's not? What do I owe you? We don't know," Danielle Bayard Jackson, a friendship coach and educator, said. "We have a lot of these friendships that end prematurely or that get bogged down by a lot of resentment and confusion."Most people I talked to about this story had some sort of rewards-related anecdote with at least mild tension. One person said his friend group never has a problem with points hoarding … before name-checking one friend who goes too far. Another said she sees paying on her card at restaurants as a way to save servers the headache of trying to divvy up the bill, though that means she has to warn everyone that she's a big tipper and make sure they're on board. I recently booked a fight with a friend who remarked she'd gotten some $300 in travel credit from her rewards card. I briefly wondered whether she would offer to split the discount with me. (She didn't, and she was right.)"As much as calculating the value of the rewards that you can earn, you also have to calculate any potential negative impact on your relationship with the person," Thompson said. When she books trips for friends using her rewards, she comes up with a price that's still a "really good deal" for her friends, but it "isn't nothing," she said. That seems fair, though I'd be curious what her friends think. It's not just friendships that credit-card points can get in the middle of — but also romantic relationships. Matt (a pseudonym), from Alaska, got super into rewards a couple of years ago, watching endless YouTube videos and scouring financial-advice websites for tips. His wife was not so into it — she's the "kind of gal that's like, 'Just give me the stupid card if I use it if you want but don't expect me to have this rotating collection,'" he said. The issue came to a head when they planned a trip to Florida. Matt was procrastinating on booking, so his wife went ahead and did it without using the right card. He had her cancel everything so he could rebook with the card he wanted to use, but that wound up being a mistake — when he went to make the new reservation, prices had increased."We lost the rooms and things that she booked, and we ended up paying more. And for what? We got like 2% back on the whole deal," he said. "I should have just let her be right and be done with it."Matt has pretty much given up on the rewards game now; he uses a 2% cash-back card but doesn't pay much attention beyond that. All the hassle around it "got to be pretty stupid," he said, and the Florida drama was just "petty shit." He and his wife are now divorcing (but not over the points).Whether all this fuss over rewards is justifiable, relationally and financially, is context-dependent. Points maxing isn't low effort, and unless you're willing to spend a bunch of time figuring the system out, you're just wasting your and everyone else's energy in trying to hoard rewards. More importantly, if you are not paying off your credit-card bill at the end of every month and instead are carrying a balance, the rewards are not worth it."If you carry a balance, you shouldn't be chasing rewards. You should be focusing on paying your balance down," Schulz of LendingTree said. "You don't have to be an accountant to understand that paying 27% interest to get 2% cash back doesn't make a whole lot of sense."Credit-card rewards can be great, and they're definitely popular. Plopping down an <a target="_blank" href="https://www.businessinsider.com/american-express-platinum-card-gold-gen-z-millennial-rewards-2024-6">American Express Platinum Card feels fancy</a>, as do the perks that go along with it. But as with everything, there are trade-offs.On a macro level, the rewards aren't free. They're funded by <a target="_blank" href="https://www.businessinsider.com/stores-credit-card-companies-battle-fees-2018-9">swipe fees</a> paid by merchants that often get passed on to all consumers in the form of higher prices, regardless of how they pay, on top of interest payments and late fees. One recent Federal Reserve study found that this system led to a redistribution of $15 billion in wealth each year from the poor to the rich, the less educated to the more educated, and high-minority areas to low-minority areas.On a micro, more day-to-day level, rewards are a fun, little benefit that can become unfun fast. A local restaurant implements a 3% surcharge for credit cards to try to make up for swipe fees, and suddenly you find yourself vowing to never return even though the difference for you was $1.50. Or you see a friend on Instagram bragging about upgrading their flight and realize that's why they've been so insistent on putting brunches and happy hours on their card all year. Even though it doesn't really affect you, you feel a little cheated.Experts say if you're the points maxer trying to charge every group purchase, it's good to be up front about what you're doing. (As in, don't be like Pam's dad friend.) But if people don't want to go along, you might just need to accept that. Or realize that if they are going along, they may still think what you're doing sucks.<a target="_blank" href="https://www.businessinsider.com/author/emily-stewart">Emily Stewart</a> is a senior correspondent at Business Insider, writing about business and the economy.

Credit card rewards are turning us into jerks

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<ul class="summary-list"><li>Visa and Mastercard settled a dispute with US retailers over credit-card swipe fees.</li><li>The settlement could ultimately affect credit-card reward programs.</li></ul>One of the great American pastimes — using your credit card to accumulate points — could be about to change.On Tuesday, <a target="_blank" href="https://www.businessinsider.com/visa-mastercard-lawsuit-settlement-credit-card-fees-checkout-2024-3">Visa and Mastercard settled with US retailers</a> over a long-standing dispute tied to credit-card swipe fees.The crux of the issue is interchange fees, which networks such as Visa and Mastercard charge merchants for processing their transactions. Under the agreement, which still needs to be approved by the courts, these fees would be lowered and capped for five years.So what does that have to do with your sacred stash of points?Even though the networks set interchange fees, the card issuers (banks such as JPMorgan Chase and Bank of America) get the lion's share of the revenue. <a target="_blank" rel=" nofollow" href="https://www.bloomberg.com/news/articles/2024-03-26/visa-mastercard-reach-30-billion-swipe-fee-deal-with-merchants">Bloomberg</a> reported that last year, JPMorgan took home $31 billion of interchange and merchant-processing income.Again, you ask, what does that have to do with my points?Well, a good chunk of that revenue is spent by banks encouraging you to use their fancy cards. And the best way to do that is via points and rewards. Cards with better rewards and cash-back economics typically charge higher interchange fees.Which gets us back to Tuesday's settlement. Merchants have to accept all types of credit cards from Visa and Mastercard under an "honor all cards" rule. But now, they'd be able to charge consumers more depending on the type of card they're using.Suddenly, the cash back you get from your Chase Sapphire Reserve doesn't seem as enticing when paying a premium on the bacon-egg-and-cheese sandwich at your local bodega.It's not likely that banks will completely punt on rewards. David Morris, a principal analyst for payments at eMarketer, said the card programs were too important for banks to stop engaging those customers."They can make allowances of their own in terms of the kinds of rewards, adjusting the rewards accordingly. These are highly profitable programs, so there is some flexibility here for the card companies to be able to make some adjustments along those lines," he said.Morris acknowledged that some changes in consumer behavior might occur as a result, "but that would discount the levers that these credit-card issuers do have to be able to ensure that they are providing the card value that premium cardholders expect."Merchants, especially retailers, don't seem pleased with the settlement. The National Retail Federation, which represents chains including big-box stores and supermarkets, said it "amounts to pennies on the dollar" toward their costs. And the Retail Industry Leaders Association called it "a mere drop in the bucket."Both trade groups expressed support on Tuesday for the Credit Card Competition Act before Congress, which would require large banks to offer multiple payment networks for processing transactions through their credit cards.While many small businesses already charge an extra fee for those paying with a credit card, David Silverman, a senior director at Fitch Ratings, said most major retailers wouldn't pass the interchange costs directly to consumers."These retailers have been absorbing costs across any number of cost functions," such as labor, he said.It's not yet clear what impact the settlement will have. The agreement hasn't yet been approved, and time will tell how merchants and banks handle the changes.But the points game can be one of fine margins, and a change to interchange fees could have ripple effects for rewards programs.Don't be surprised if it starts taking a lot longer to rack up the points required for your next getaway.Correction: March 27, 2024 — An earlier version of this story misstated a detail from a Bloomberg report. Bloomberg reported that JPMorgan alone took home $31 billion of interchange and merchant-processing income last year, not that the biggest US banks took home this sum.

Credit-card points might be entering a new era

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<ul class="summary-list"><li>The Credit Card Competition Act would lower credit card swipe fees. </li><li>Major airlines have said that the bill could reduce or completely end travel reward programs. </li></ul>When Jess Bohorquez stayed in a luxury hotel with a view of the Sydney Opera House, she didn't pay a cent.The influencer and creator of "Points By J," a platform that teaches people tricks for low-cost travel, said she uses <a target="_blank" href="https://www.businessinsider.com/credit-card-competition-act-airlines-flyer-miles-dick-durbin-2023-10">credit card points</a> to upgrade her vacations and teaches her audience of over 180,000 Instagram followers to do the same. Since she started accumulating travel points a few years ago, Bohorquez told Business Insider she's gotten discounted flight upgrades, <a target="_blank" href="https://www.businessinsider.com/personal-finance/how-to-book-free-travel-cheap-deals-credit-card-rewards">free hotel stays</a>, and trip insurance through her Chase credit card. She even has access to premium lounges at most airports. "It gets you hooked once you have that first successful points deduction for free travel," said Bohorquez, adding that it's easy to get perks if you know the rules of your credit card. "It's such an exciting feeling."However, those perks could be in danger of disappearing. The US credit card market <a target="_blank" href="https://www.businessinsider.com/visa-mastercard-merchants-agreement-impacts-credit-cards-reward-programs-2024-3">is at a crossroads</a>: Politicians and companies are struggling to compromise on how much card swipe fees should cost, who should get the money, and how all of it will impact consumers.More than eight in 10 Americans use a credit card to make payments, get cash back, and build credit, <a target="_blank" href="https://www.federalreserve.gov/publications/2023-economic-well-being-of-us-households-in-2022-banking-credit.htm">according to The Federal Reserve</a>. About <a target="_blank" href="https://www.nerdwallet.com/article/travel/how-the-41-of-americans-with-a-travel-credit-card-can-boost-rewards">40% of those people</a> have a card that is co-branded with a major airline.Some lawmakers hope to bring more competition to the market, in hopes of limiting the power of major credit card companies and lowering fees. But airlines and travelers worry it could mean the <a target="_blank" href="https://www.businessinsider.com/credit-cards-congress-competition-act-rewards-wipe-out-southwest-2023-10#:~:text=The%20Credit%20Card%20Competition%20Act%2C%20introduced%20by%20Sen.,Mastercard%20in%20credit%20card%20transactions.">end of rewards programs</a>.<h2>Major airlines' bottom line depends on credit card companies</h2>The <a target="_blank" rel="" href="https://www.congress.gov/118/bills/s1838/BILLS-118s1838is.xml">Credit Card Competition Act</a>, which was introduced to Congress in June 2023 would require major banks to use at least one credit card payment network that isn't <a target="_blank" href="https://www.businessinsider.com/visa-mastercard-lawsuit-settlement-credit-card-fees-checkout-2024-3">Mastercard or Visa</a> — companies that control more than 80% of US credit card transactions — to introduce more competition into the credit card market.Visa and Mastercard currently charge businesses about a 3% transaction fee when a customer uses their credit card. The more people that use a credit card, the more revenue banks and card companies make.That's where airlines come in.<a target="_blank" href="https://www.theatlantic.com/ideas/archive/2023/09/airlines-banks-mileage-programs/675374/">Airlines make money</a> off selling tickets and offering in-flight purchases. But <a target="_blank" href="https://www.businessinsider.com/personal-finance/best-airline-credit-cards">co-branded credit cards</a> like Chase Sapphire Preferred, Delta SkyMiles, and the United Explorer Card are profit centers for banks and airlines.The airlines sell banks "points." Credit card holders are then awarded those points for spending money with the co-branded card. Banks and credit card companies make money off of the swipe fees, and airlines only have to pay for the points if they are actually redeemed by travelers. It also makes travelers more likely to choose their specific airline whenever they fly.<a target="_blank" href="https://www.businessinsider.com/dick-durbin-joe-biden-think-twice-trump-debate-2024-1">Sen. Dick Durbin</a>, a Democrat from Illinois, is the lead sponsor of the Credit Card Competition Act. In a statement to Business Insider, he said the bill would introduce necessary competition into the credit card market.Durbin worries that major airlines are becoming like "credit card companies that fly planes.""(Airlines) want to protect the billions of dollars in windfall profits they collect through sweetheart deals they have negotiated with the biggest Wall Street banks at the expense of consumers and local businesses," he wrote.Durbin said his bill would not end travel rewards.<h2>Credit card rewards incentivize travelers</h2>Businesses typically make up for these credit card swipe fees by <a target="_blank" href="https://www.businessinsider.com/personal-finance/visa-mastercard-swipe-fees-premium-credit-cards-2024-3">raising prices for customers</a>. In theory, increasing competition and lowering swipe fees would translate into more affordable consumer prices.This could mean cheaper — or at least more stable — prices for buyers, <a target="_blank" href="https://www.nerdwallet.com/article/credit-cards/how-the-visa-mastercard-swipe-fee-settlement-affects-cardholders#:~:text=It%20could%20lower%20costs%20for,reductions%20end%20after%20five%20years.&amp;text=Sara%20Rathner%20is%20a%20NerdWallet%20travel%20and%20credit%20cards%20expert.">per NerdWallet</a>.Bohorquez, however, said increased credit card competition is unlikely to lower prices in practice. Instead, she said business airlines and credit companies will be less incentivized to offer loyalty perks like frequent-flyer miles and fraud protections.Major airlines <a target="_blank" href="https://www.businessinsider.com/congress-billcredit-card-fees-kill-flier-miles-united-scott-kirby-2023-10">have already said</a> the Credit Card Competition Act could end these reward programs. Southwest Airlines said in a statement to BI that it "strongly opposes" the bill."This legislation is bad policy and would undermine, if not completely end, credit card rewards programs that millions of Americans rely on for their vacations or personal travel needs," Southwest wrote.United Airlines referred BI to Airlines for America, a lobbying group that represents the US airline industry. Delta and American Airlines did not respond to BI by the time of publication.Airlines for America said <a target="_blank" href="https://www.airlines.org/wp-content/uploads/2023/11/Durbin-Marshall-Letter-FINAL-.pdf">in a press release</a> from July that airlines believe credit card competition would harm their "ability to reward our most enthusiastic customers' loyalty and putting the viability of these programs at risk."Still, it's unclear whether the Competition Act will become law. The bill was referred to the Committee on Banking, Housing, and Urban Affairs in July, but hasn't yet been passed by the House or Senate.Until more movement on the bill occurs, Bohorquez plans to make the most of her rewards."I'm not terribly worried about our points going anywhere anytime soon," she said. "I hope that people continue to earn and enjoy their credit card points and take a lot of free trips."Do you use your credit card for travel rewards? Have you saved money on a vacation by using points? Reach out to this reporter at <a target="_blank" href="mailto:allisonkelly@insider.com">allisonkelly@insider.com</a>.<h2></h2>

Here's what the Credit Card Competition Act could do to your airline miles and travel rewards

Southwest Rapid Rewards Plus Credit Card Review 2023

<ul><li>The <keyword id="19894961" type="General" weightage="20" keywordseo="apple" source="keywords">Apple</keyword> <keyword id="12603737" type="General" weightage="20" keywordseo="iphone-15" source="Orion">iPhone 15</keyword> is currently available at a discounted price.</li><li>Launched starting at ₹79,900, the smartphone is currently available under ₹65,000.</li><li>In addition to a discount, customers can also avail bank offers while purchasing the smartphone.</li></ul> Apple launched the<a href="https://www.businessinsider.in/tech/mobile/news/iphone-15-iphone-15-plus-with-usb-type-c-port-improved-cameras-launched-starting-at-799/articleshow/103615581.cms"> iPhone 15 series</a>, the company’s latest flagship offering in India in September 2023. The vanilla <keyword id="19912026" type="General" weightage="20" keywordseo="iphone" source="keywords">iPhone</keyword> 15 was the most affordable offering in this series, priced starting at ₹79,900. Fast forward four months to present times and if you are in the market for that very iPhone 15, you can currently get it under ₹65,000. The latest iPhone is currently being sold at a discount by Flipkart, bringing down its price to ₹65,999. On top of this, you can get an additional ₹1,000 discount using your HDFC Bank Credit Card. Here’s everything you need to know about the discount and the smartphone. <cmsannotation type="cmsannotation" annotationid="How to get the iPhone 15 under ₹65,000" comment="subhead" text="How to get the iPhone 15 under ₹65,000">How to get the iPhone 15 under ₹65,000</cmsannotation> The iPhone 15 can be purchased for under ₹65,000 from Flipkart. <ul><li>To purchase the device, go to the smartphone’s Flipkart page<a href="https://www.flipkart.com/apple-iphone-15-blue-128-gb/p/itmbf14ef54f645d"> here</a>. </li><li>Now, select the colour you wish to buy from the five options available and add it to the cart. </li><li>Use your HDFC Bank Credit Card to get an additional ₹1,000 discount on the iPhone 15. </li></ul>With this, you will be able to purchase the iPhone 15 for ₹64,999. <cmsannotation type="cmsannotation" annotationid="Apple iPhone 15 specifications" comment="subhead" text="Apple iPhone 15 specifications">Apple iPhone 15 specifications</cmsannotation> The iPhone 15 features a 6.1-inch display, and comes with the dynamic island, which was earlier limited to the Pro models. It is also the first smartphone from the company to feature a USB Type-C port. The iPhone 15 is equipped with the company’s A16 Bionic chipset, which was used on the company’s iPhone 14 Pro and Pro Max models in 2022. It comes with the company’s second-gen ultra-wideband chipset, which offers up to three times better connectivity with other devices. The Apple iPhone 15 is equipped with a 48MP primary camera and Apple has made several changes to improve the camera performance, allowing the devices to capture better portraits and low light images. The device uses smart HDR to capture better images with rich colours. It comes with modes such as a 4K cinematic mode, action mode, live photos, and more. The camera now makes you feel closer to the scene and the subject. It also allows you to frame the scene in cinematic mode, a company executive said at the event. SEE ALSO: <a href="https://www.businessinsider.in/tech/mobile/news/battle-of-the-flagships-galaxy-s24-ultra-vs-oneplus-12-vs-iqoo-12-vs-vivo-x100-pro/articleshow/107137774.cms">Battle of the flagships – Galaxy S24 Ultra vs OnePlus 12 vs iQOO 12 vs Vivo X100 Pro</a> <a href="https://www.businessinsider.in/tech/mobile/news/samsung-galaxy-s24-series-with-galaxy-ai-debuts-starting-79999/articleshow/106947200.cms">Samsung Galaxy S24 series with Galaxy AI debuts starting ₹79,999</a> <a href="https://www.businessinsider.in/tech/news/oneplus-12-with-snapdragon-8-gen-3-chipset-debuts-in-india/articleshow/107090162.cms">OnePlus 12 with Snapdragon 8 Gen 3 chipset, 5,400mAh battery priced starting at ₹64,999</a>

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