Archive for the ‘Cancelling Credit Cards’ Category

Sunday Success Story

Posted by Sunday, September 04, 2011, No Comments

Florida Beach, photo by Andrew Ingersoll

From Jason:

Rick,

I thought I would share with you a quick success with getting bumped from flights.

I was traveling with my three daughters, ages eight, five and three, from New York to Florida. We had a 4:45 p.m. flight that was oversold and I volunteered verbally when I heard an announcement. However, they were only looking for two so we were out of luck.

We boarded the plane first and as the plane filled up, they announced that they had a need for three additional volunteers. We were seated toward the front of the plane so I rang the call button as the attendant walked by and asked about the offer. They again said they only needed three, but I told them if they took four, I was game. They discussed amongst themselves and said, “Gather your stuff.” By now the plane was full and we were applauded, to my daughter’s amazement, as we deplaned.

The deal was $400 each in travel vouchers and $12 each for meals as well as the next flight to Florida. The agent called another gate as there was trouble with passengers at a flight to Atlanta at 5 p.m. that we might be able to get on. We went to the gate with the agent and, after a few moments, we were not able to board the plane. But he told me we were on the next flight to Atlanta at 6 p.m. and then we were confirmed with four seats in first class from Atlanta to FLL. The girls were excited. He said we should grab a snack and see the gate agent to get our tickets.

We grabbed snacks and then headed over to the gate as the plane was boarding in about 15 minutes. The agent jokingly (it seemed to me) asked if we wanted to be bumped again. I said if hotel and transportation are included, as well as same amount of vouchers as before, we were in. They were.

So after all is said and done, here is where we stand:

Flight vouchers for first bump: $400 X 4 = $1,600

Food vouchers: $12 X 4 = $48 (basically enough for water in NYC)

Flight vouchers for second bump: $400 X 4 = $1,600

Food vouchers: $12 X 4 = $48 (more water, LOL!)

Hotel transportation: $15 value

Hotel: $179 value

Amount saved for room in Florida: $50 (Holiday Inn Express at the Entertainment Card rate)

Rental car saved: $50 for one day

Total value for about 15 hours of delay = $3,590

This doesn’t include that the tickets were originally free, courtesy of Grandma. Not a bad day I guess.
Update: We bumped again for a bride and her bride-mates for another $600 each ($2,400) plus vouchers for food and bags delivered to the house. Not bad for a total of about $2,600 plus the $3,590 from yesterday = $6,190. Thank You, Delta!

Best regards,

Jason

50,000 Chase Ultimate Rewards Points with the Chase Sapphire Preferred Card, No Fee 1st Year, Transferable to Many Programs. Now offering two points on Dining, Airfare and Hotels.

Balcony View Dubrovnik Croatia

Yes — you can do these things and See the World at Prices You all Can Afford. Here is an email that proves it from readers Holly and Larry. Holly sent it me just before we left the USA:

Rick,

So sorry Larry and I missed you and Katy at the Frequent Traveler University get-together in New York last month. We left the following day for what is now the tail end of our trip. My sister Karen said she enjoyed it very much.

To re-cap:

  • British Airlines SFO-LIN in first, thanks to the Chase British card last year.  Loved every moment of this flight and the Concorde Lounge even more.
  • Three nights at the Park Hyatt, Milan:  two from the credit card bonus, one on points.
  • Five nights at the Venice Europa and Regina.  I used the promo from last year.  I can’t remember the name of it, but if you stayed five nights you earned 25% off a point redemption. So our five nights came out to 36,000 points and we got a suite upgrade on the 7th floor, overlooking the Grand Canal. Heavenly.
  • We picked up a car in Venice and drove to Istria in Northern Croatia. We planned on spending one night in Rovinj and driving to other towns and finding places to stay. We never made it. The village where we stayed was so idyllic and so beautiful that we never left. I wept when we left Venice. My husband had his fishing boat all picked out in Rovinj. He was ready to hang out his doctor shingle and set up practice.

Incredibly, this was the most expensive portion of our trip. Our hotel was about $200/night but worth every penny. It was Villa Tuttorotto, in the old town of Rovinj. We then drove to Modena and stayed with friends at their country home in Serramazzoni.  Delightful.

We’re now in Rome, staying at the Westin Excelsior:  three nights, all on points.  Upgraded to a large, lovely suite directly on the Via Veneto.

And — we still have our flight home on Friday to look forward to!  We’re spending the night at the airport in London before we leave, and planning what time we want to go the the Concorde Lounge. We enjoyed it that much.

I’m grateful for all the help and advice you’ve given us. Doubtful we could ever afford a vacation like this otherwise. So much more fun doing it this way.

I know you’re leaving soon so safe travels and have a lovely time. Enjoy Croatia. I love it.  Hello to Katy. I hope she’s well.

Thanks again, Rick

– Holly and Larry



PS: I’m dying to apply for some cards. Can I do it from here?  I’m having serious withdrawal. Why can’t I do the Sapphire card and the Amex Gold at the same time? I might also like to do the Citi business card again. I’ve gotten it three times with no problems getting approved.

Hilton Imperial Hotel Dubrovnik

Holly and Larry have been in Italy. Katy and I are in Croatia. We are not rich people but have learned to use the promotions available and our good credit to see the world. I, for one, can assure you we would never be able to afford this type of travel without this wonderful hobby and all the information we share. I wish you all were here.

Our expenses so far are 118 Euros for two tickets Kos to Athens and cab fare to our hotels. Our hotel nights have been free on points and other flights were taxes only plus miles.

Bruce Donates $100 Travelocity Card to a Serviceman – GONE

UPDATE: These vouchers have also been spoken for. Thanks again, Bruce.

Rick, I know you are off and running…but: I have a $100.00 TravelocityIncentive Voucher I would like to donate for Memorial Day to any Vet, past or present, who can use it. Can you help me get it to someone who can use it?  Fine print is gotta book by June 30, 2011 for travel by December 31, 2011. Minimum two-night stay and requires a minimum of $300 for total stay before taxes. Valid for hotel reservations only at www. travelocityincentives.com. If you would get the word out, I can give out the voucher numbers and hopefully make somebody happy. Our men/women of the Armed Forces are the best. Let me know!  –Bruce from Minnesota (steadie180)

Thank you Bruce, for thinking of them this weekend. And I’ll throw in a $100 Marriott Gift card to make the trip even easier on a Vet or activity duty member. Send me your stories and Bruce and I will pick one.

Austin Donates Two 5000 Spirit Mile Vouchers  – GONE

UPDATE: These certs have already been given  away as of 8AM. Thanks again Austin for the donation. I know very little about this program so will let Austin’s email stand on its own. The first two to reply with 5000 Mile Spirit Voucher in the email subject will be put in touch with Austin. Here is his email.

Rick:


I emailed you recently in response to the CryBaby Media email you sent out describing a trip I made up to Yellowknife, Canada, for $32.50.


I wanted to email you again today with an opportunity for your readers, as a token of gratitude for the high quality, helpful information that you constantly put out there.


I have two extra 5,000 Free Spirit Mile vouchers from Spirit Air’s recent Mega Miles giveaway promotion. If you feel it could be useful for your readers, I’d love to provide you with the voucher codes (only one voucher redeemable per account), so this would be good for 5,000 miles for two readers. You’ve given out tons of good advice and information that has helped me get oriented in the miles world, and I’d love to give back in some small way.

Kindest regards,


Austin
 
Thanks, Austin, for your kind donation in the spirit of the blog.

Bodrum Turkey Day Trip

Posted by Thursday, May 26, 2011, No Comments

We were close to Turkey and neither Katy nor I had ever been, so I made the effort to add another country to our list. It was easy as could be.

I went to the hotel’s front desk to ask about a tour of the island of Kos and was told none existed per se. But when she brought out the list from Harriet Travel, Bodrum was staring me in the face for 25 euros each. That included hotel pickup by bus, transportation to Kos, and the ferry to Bodrum. A cab from the hotel to Kos was 40 euros one way so we really couldn’t turn down the deal. The bus arrived promptly at 8:15 and we were the second to the last stop.

It was a decent bus with air conditioning and the trip took all of 40 minutes. While on the bus, we were given our Visa for a day at no charge. All we had to do was enter our name, country of citizenship and passport number. At passport control in Greece, they just looked it over and stamped the one-day Visa that we had to carry with us. In Turkey, our entry was just as simple.

The Maria Star made the crossing to Turkey in one hour and it was quite comfortable with food and drinks available and upper and lower decks. The skies were perfectly clear with a cool breeze blowing, but we were warned it would be very warm when we got to Turkey. I can attest to that fact. It was at least 15 degrees warmer and without the benefit of a cooling breeze.

Upon arrival, we cleared immigration in minutes. Two boats were there at the same time and they needed to process the dollars and euros hitting the port city ASAP. We arrived in a modern port adjacent to a castle from who-knows-when and a fleet of the most beautiful wooden sailboats you have ever seen. They ranged up to 25 meters and were all built in Bodrum. If there were 10 there were at least 100 of these beauties all available for hire for four hours, a complete day, or three to seven days. They were magnificent.

We took the free tour of the city (45 minutes) with the catch that they would drop us off at the Gold Center for some retail time if we wanted. We had a beautiful view of the city. We saw Black Island and the Isle of Kos in the distance from the highest peak in town, we went by the amphitheather that sat 5000 in the good old days (BC), then we were dropped off at Gold City (or whatever they called it). First-class place and absolutely no pressure whatsoever. We just walked to the exit sign and caught the shuttle to the city market.

The market was just what you would expect — full of teeshirts, blue jeans (Levis were 22 euros per pair), scarves, and other junk. I was disappointed as I was hoping for something more out of the ordinary. The only thing I found was a stall of bongs, but that was a previous lifetime ago…

We headed down the main shopping street, which offered more upscale shopping as well as the typical tourist stuff. When I saw a McDonalds and Burger King in Bodrum, I knew we weren’t at the end of the earth. Most of the signage was in English but we saw very few American tourists — Brits and other Europeans primarily. We were the only Americans on our bus.

We felt safe the entire time we were in Bodrum. People were extremely friendly. An orange and juice vendor was intrigued by my Challenge coin that I got from the US Army. When our guide explained that I got it for helping our servicemen and veterans, he ran over to give Katy and me each a free, fresh orange with a warm smile and thank you. I guess we’re on the same side now, or have been in the past. It was a touching gesture.

The most interesting moment came while we were sitting in a falafal shop eating a sandwich. The haunting, chanting sound of the call to prayer came over loudspeakers — just as we’ve heard so many times on CNN and Fox News. We knew we were not in Kansas! But we still we felt safe and secure. The people were so friendly.

I saw many people drinking a small, tan, hot drink in uniquely shaped glass containers, so I asked a vendor if we could try one. It was Turkish black tea served in the small glass on a saucer with two cubes of sugar and a very small stirring spoon. Several elderly local gentlemen cleared a space for us and asked us to join them. Although we could not converse, their hospitality was genuine and warm. The tea was tasty and strong, but it really didn’t make much sense to me in that heat. But, “when in Rome…….”

We found the Mosque as we continued down toward the harbor. It was built in 1720 and featured a minaret on top or beside it. (I think minaret is the right word.) There were numerous shoes lined up outside the Mosque. We didn’t attempt entry.

So — add another country to the list. Don’t expect to see many Americans, but since this is a tourist town most of the shopkeepers speak at least broken English. Of course, their English was sure better than my Turkish. I think that’s typical of Americans: So few of us speak another language and the rest of the world seems to know their way around ours.

But what we do have is an adventurous spirit. And by keeping our eyes open for the next great promotion, we can see the world at prices we all can afford. So far: free airlines tickets to Greece, free hotels, and a 25 Euro tour ticket to Turkey.  :)

The next two days are going to be all about rest by the pool and the Aegean Sea.

50,000 Chase Ultimate Rewards Points with the Sapphire Preferred Card, No Fee 1st Year, Transferable to Many Programs

Sunday Success Stories

Posted by Sunday, May 15, 2011, No Comments

First, a Special Note: Today is the last day for the Continental Airlines 50,000 point offer listed in Rick’s Top Seven Travel Deals. Do not use my ad on the homepage as it is only for 30K. Go to Rick’s Top Seven Travel Deals #3.

Iguasu Falls by Matt

Success Story From a Very Happy Reader

I started this craziness basically January 1, 2009. I did have some fun with coins under the old unlimited rule and did three of the American Airlines cards under the old 25k frequent flier miles each. Since then I have done British Airways’ 100k, C1 100k, AA 75k, United 50k, Continental 50k, lots of Delta K’s, and every other 100-500 mile promotion, survey, etc., and take every bump ever even hinted about by an airline. If my hotel stay or airline trip is great, I e-mail and say so. If not, I do that as well and get points many times either way!

I know it looks like I’m banking miles, but I travel about every other month on either frequent flier miles or vouchers or buy-one-get-one-free tickets. With your help, here is what my wife and my accounts look like right now (again in just over two years’ work):

Delta 679,000
BA 230,000
AA 346,000
United 414,000
Starwood 88,000
PC 144,000
Cap 1 224,000
Hilton 40,000
———————————-
Total 2,165,000

This does not include an already booked trip in business class to Europe this year and six nights at PC hotels. Nor the three trips to Europe last year — all of which ended up in biz class. Nor the $2000 in bump cash I have to spend. Nor the fact that I now have PLATINUM status with Delta, Continental, KLM and PC hotels. My costs “all in” for all fees for the two years are under $3000. That’s about the cost of one business class ticket to Europe. Thanks, Rick, for all you do!

– René

Readers: Don’t forget to send in your Sunday Success Stories. Every time we print one, it may inspire another person to See the World at Prices They Can Afford!

Credit Sesame Free Credit Score Every Month No Credit Card Required

Sunday Success Stories

Posted by Sunday, May 01, 2011, No Comments

Nice, France © Andrew Ingersoll

Rick,

I came across your blog about six months ago and found it very interesting. I also wanted to travel frugally. I followed the steps recommended on the blog and was able to complete a trip to Los Angeles from Houston with my family of three for only $25.

Air tickets were redeemed on American Airlines for 75,000 frequent flier miles and cost me nothing with the AAdvantage Credit Card (75,000 bonus miles).

Hotel Stay was redeemed through Continental One Pass website for six days at 10,000 frequent flier miles for 60,000 miles. Cost was $25 for Chase Continental debit card with Chase checking account and no-fee Continental credit card (25,000 for Chase checking and 30,000 for Continental credit card + 5000 frequent flier miles from purchases).

Rental car was through Delta Skymiles for six days for 19,065 miles. Cost me nothing for Delta Skymiles credit card (25,000 bonus miles).

My whole trip cost me only $25 for air travel, rental car and stay!

Had an amazing and fun vacation at Disney Land, Universal Studios, and Hollywood.

Thanks to Rick and all other bloggers on the site for your experience and deals.

Thank you,

Sathyam

Another Success Story:

Hi Rick,
Just wanted to thank you for giving me the education to book a free trip to Hawaii over the holidays in December.  Between getting United, Continental and American Express cards (and some miles from business travel), I was able to get four direct flights to Honolulu.  And booked the Hyatt Regency with my four free nights from my husband and I getting the Hyatt cards.  I had some Hyatt points for the rest of the stay.
Basically I figured a $10K vacation for free. Sweet!
Jennifer
Jennie220

Sunday Success Stories

Posted by Sunday, April 24, 2011, No Comments

Kuta Beach, Bali, Indonesia © Andrew Ingersoll

Rick,
Just wanted to share my success story.  I have been in the game for a few years now and have collected most of my miles (and my wife’s) by churning the American Airlines cards a few times back when you could do such a thing (and being lucky enough to get accepted for a 75K business AA card).  In addition we both got the 100,000 British Airways frequent flier miles last year and amassed quite a few Starwoods Points signing up for big promos on the Starwoods personal and business credit cards.  We both use the Starwood Preferred Guest card as our daily spender as well. Recently we decided to put the points to good use and went on a two-week trip to Europe where we visited Brussels, Amsterdam, Paris, Madrid, and Barcelona. We don’t have time to travel a lot, but it is nice to accumulate so many miles and points and put them to use when time allows!  The details are below. 
Flights:
Pittsburgh to Brussels, 25000 BA miles +$5 fees/taxes per person
Paris to Madrid, 7500 BA miles +$78.43 fees/taxes per person
Madrid to Pittsburgh 30000 BA miles +$33.69 fees/taxes per person
Hotels:
Le Meridian Brussels, 2 nights, 20000 SPG points
Hotel Pulitzer Amsterdam, 2 nights, 24000 SPG points
Le Meridian Barcelona, 2 nights, 24000 SPG points
Le Meridian Etoile Paris, 3 nights, 36000 SPG points
Hotel Regina in Madrid, 3 nights, 32000 AA miles
Hotel Nuevo Boston in Madrid, 1 night, 8700 AA miles
Transportation:
STA Travel buy-one-get-one-free Eurail Pass, $457.93 (allowed us to take the train from Brussels to Amsterdam, Amsterdam to Paris, Madrid to Barcelona, and Barcelona back to Madrid) +$ 166.11  additional for reservations for a couple of the trains.
All told the transportation and lodging came to $858.28.  We used a total of 125,000 British Airways miles, 104,000 SPG points, and 40,700 AA miles.  I’m not sure what the actual cost would have been without miles and points, but clearly we saved a few thousand dollars!
My only regret now is that we both got approved for the Capital One Venture personal and business cards but we can only match up to 70-80,000K because that’s the most miles we have left in various accounts! 
Thanks.  
Russ T 

Want to Share Your Success Stories?

We have revamped the Sunday blog post to include your Success Stories and removed the Funnies. If you have a successful frugal trip story you’d like to share, send it to me at: ingy104@gmail.com

A Reader Story and Example for All

Posted by Saturday, January 01, 2011, No Comments

I can’t thank Jeff enough for the courage it took to write this email for all of you youngsters out there. I got the letter on December 30th and felt it was the best way to start our New Year with this reminder: “Your credit is one of you most important assets”

Here is Jeff’s email:

Hey Rick,

Just wanted to say thank you for all the help your blog has given me. I did the Suntrust bank and Chase debit card deals through your site and will be able to get two really nice trips out of those, which is awesome. I also helped 4 other friends get in on the chase deal! Unfortunately, due to credit problems, I won’t be able to take advantage of credit card offers as detailed in the letter below that you can post anonymously on my behalf if you would like. Hope you’ve had a brilliant holiday season!


Jeff


So this is the face of poor decisions when a person has credit issues…

Thank you for your recent (12/29/10) application for the Gold Delta SkyMiles® Credit Card from American Express. After reviewing your request, regrettably, we are unable to open an account for you at this time for the following reason(s):

Your consumer credit bureau score from Experian is too low (See below)

Your consumer credit bureau score mentioned above was determined using a scoring system that evaluated the information in your file at the consumer reporting agency named above. The following are the primary factors in your credit report that affected your credit bureau score:


Serious delinquency, and public record or collection filed.

Proportion of revolving balances to revolving credit limits is too high.

Too few accounts currently paid as agreed.

Lack of recent installment loan information.

Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency(ies) listed in this letter… etc… etc….

I was 18 when I got my first credit card, this was 2001, I’m not all that old. However, I grew up in the instant gratification, ME ME ME generation. I, like many people over the course of the last decade, got myself into a pretty good amount of debt and had some go to collections just so I could try to make a settlement and save myself some money. Am I happy that I managed to get settlements for the amount of debt I had, (saving over half on each card) yes, I was very happy, but that being said, was very disappointed in myself for letting it get to that.

The thing with the credit boom was that you were getting cards at every stop and I, like so many other fools in that day, thought, “Well, I’ll definitely be able to pay this off.” Which I wasn’t able to at that time and I’m paying for it now.

I’m currently nursing a credit score of 600 and though it says my balances are high on my two credit cards I currently have, I was able in the past two weeks to pay those down to zero balances… Being out of credit card debt is an amazing feeling!

So why did I apply for the credit card? Well, I knew I wouldn’t be approved for it, like pretty much any credit card at this point and wanted to show an example of what can happen with just a couple years of bad choices. Instead of being able to take some great trips, I have to settle for only being able to accrue miles based off debit card signups (Thanks Suntrust and Chase!)

I offer myself up as a lesson to be learned for any of the young people starting out in the credit game (as well as to their parents.) You absolutely must know what impact is being had by your decisions at all times. This was something completely lost upon my generation and while we must shoulder a lot of the blame, we were prey’d upon by greedy creditors* and taken advantage of. They were selling us the American Utopia and we bought into it. Shame on us. You don’t always have to be fooled twice to be ashamed.

I currently make over 75 grand a year and cannot get a credit card to save my life; really makes me want to beat up my 20 year old self. This is why I need to commend Rick and his blog. It’s showing just what you can achieve by staying disciplined early in your credit years and learning the impact of what you gain from playing by the rules. Would I rather have a stack of dvd’s from when I was 20 or the chance to take a trip to India… if you’re reading this blog, obviously you agree, India every time.

I’ll end by saying that I’ve learned my lesson and I hope that those reading this who are younger can fully comprehend the amount of trouble you can get into and how it can rob you of some great experiences. Stay proactive in your credit and be disciplined when making purchases and paying off your balances.

*At age 20 I had 7 credit cards with a combined balance allotment of $27,000. I was making $30,000 per year at that time.

Wow: What a way to start the New Year. Jeff has told you about the loaded gun of poor credit decisions. There is nothing I can add to his courageous confession.

Again, Thank you Jeff.


Frugal Travel Guy Readers Reach Antarctica

Posted by Thursday, December 23, 2010, No Comments

My son Andrew is safe and somewhat sound after his trip to Antarctica. Seems like he developed a neck strain enroute, but got some amazing photos for us to see. He will be providing photos from around the world all year on the Wednesday and Sunday blog posts.

AND, he met two Frugal Travel Guy readers on this tiny expedition ship. Jonathon and Lindsay from Texas, recognized Andrew’s last name and struck up a conversation. It seems they paid their taxes of $3700+ with Mint coins and also have been to all seven continents in just the last 6 months. Jonathon emailed me this morning to report the encounter and let me know the first thing my son did when he got back to civilization was check his Delta account for his 125K Suntrust miles. The miles posted. The fruit doesn’t fall far from the tree.

It is hard for me to believe the reach of this blog. A ship with 103 passengers and three of them are blog readers. What a hoot.

We Can See the World at Prices We All Can Afford and I am so happy to be part of that.

To our Three Antarctic Explorers You are the Frugal Travel Guys and Gals of the Day


TripAlertz.com Let me Refer You

I get a $5 referral for every one that signs up for their program.They offer discounted prices for higher end travel destinations and have no limit on the number of referrals. I would appreciate your support by joining through this link. The program is new and promises your travel can even be FREE if you refer enough friends. I’ll report if that is indeed true. Thanks

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Chase (JPMorgan Chase & Co.)

Priceline has always been a great way to lower hotel costs. And I’m now finding the Expedia Best Rate Guarantee offering $50 vouchers easy to find.

Here is my question to you:

Are you involved in any hotel rewards program that gives you stay credit towards elite status when you have booked you room through a third party site like Expedia?

We all know that stay credit on Priceline stays is not granted. but what about Expedia bookings?

$50 immediate vouchers are hard to pass up and usually worth more than the stay credit or points earned when booking through the chain website. But I want them all. The $50 voucher and the stay credit and elite bennies

From your experience; Will you earn stay credits when booking through Expedia for stays at:

Hilton Hotels?
Marriott Hotels?
Hyatt Hotels?
Priority Club Hotels? and I mean any member of these chains
Wyndham Hotels?
Sheraton Hotels?
Choice Hotels?

Hard and fast evidence of stay credit towards elite status and recognition of elite status benefits when booking through Expedia could change the way I look at hotel bookings.

Here is an example of concrete evidence from the Marriott site:
8. “Prepaid wholesale rates booked through 3rd party online retailers are not eligible for points, miles or Elite night credit, including, but not limited to, Priceline.com, Hotwire.com, Expedia.com, Orbitz.com, Travelocity.com, Hotels.com, etc. Wholesale packages and series tours are not eligible for points.”

So Marriott is out unless you can prove that you routinely get points for rooms booked from Expedia.

Wyndham appears out as well.

I will of course publish the results of the inquiry for all to see.

Here is the Bribe

I have 4-two for one dining certs good at Marriott or JW Marriott Hotels (not resorts). They are good until October 11th.

Provide me with concrete info ( IE: wording from the hotel website, email you got) regarding the answer to one of the programs above and one is yours.

If these Expedia vouchers are going to give us all up to $150 per month, we should have the right info.

Thanks for your help.

And here is your best source to search for Expedia Best Rate Guarantees. Book mark this ad and you’ll be helping yourself and the frugal travel guy. Remember: If your hotelscombined search shows a price better than the hotels.com price shown on that search, you have found an Expedia Best Rate Guarantee

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