Reply to Question for the Credit Card Point/Miles Hackers

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[quote=Anonymous]I don’t know if there is a “right” answer. Most vendors I deal with don’t charge a cc surcharge. If they do, I consider a few things
-total price
-do I need/want the cc protection
-total point value after the fact

Someone posted a while back about getting a new roof or something; $20k, vendor charges 3% to use cc. When dealing with a contractor and for such a large job, I’d ABSOLUTELY want the cc protection. 3% is $600, not a small chunk of change. But I’m already paying $20k, and I know if the contractor runs off with my deposit/payment/doesn’t finish/etc I’ll have recourse.

If it were ME spending the $20k, I’d probably look at opening a new credit card and use the $20k towards the sign up bonus (most cards have a minimum spend within the first 3-6mons to get the extra bonus points), in which case the $600 would likely be paying for itself with the bonus sign up points. One of my friends is planning her wedding and I told her to do this - open a new travel type credit card, put all your expenses in there, by the end of the wedding you’ll have enough points for some free tix for your honeymoon. [/quote]

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