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Here is what the commission found in a report released Friday, and some of the reactions:GUNS NOT SEIZEDLaw enforcement should have seized Card’s guns and put him in protective custody weeks before he committed the deadliest mass shooting in state history, the commission concluded. “I’m in agreement with the committee’s findings as far as they go, and I do think it’s a legitimate point that the Sagadahoc Sheriff’s Office could have done more to intervene,” he said. Janet Mills, who helped assemble the panel, said its work is of “paramount importance for the people of Maine.” She said she would “carefully review” the report. Maine State Police and the sheriff’s office did not respond to calls seeking comment. The commission, led by a former chief justice of Maine’s highest court, plans to schedule more meetings and issue a final report in the summer.
Persons: MEREDITH, Robert Card, Aaron Skolfield, Leroy Walker, Joseph, , Walker, Ben Gideon, , ” Gideon, Elizabeth Seal, Joshua, Janet Mills, Daniel Wathen, isn’t, ” Wathen Organizations: Army, Saco Armory, Auburn City Council, ” Democratic, Maine State Police Locations: N.H, Lewiston , Maine, Saco, Sagadahoc, Maine
A commission investigating the mass shooting in Lewiston, Maine, concluded on Friday that local law enforcement officers should have taken the gunman, Robert R. Card II, into custody and seized his weapons before he killed 18 people on Oct. 25. The decision to instead give Mr. Card’s family responsibility for removing his weapons was “an abdication of law enforcement’s responsibility,” the commission wrote in its 30-page interim report, intended to provide early findings to legislators who are weighing several proposals for changes to the state’s gun laws, spurred by the events. The local sheriff’s department had “sufficient probable cause” to take Mr. Card into custody and remove his weapons because of a “likelihood of serious harm,” the commission said in its report. The seven-member commission has held seven public meetings since last November, collecting testimony from Mr. Card’s Army Reserve supervisors, local and state police officers, as well as survivors and family members of the victims. The panel has pressed witnesses for details of their actions in the months leading up to the shooting, when the gunman displayed increasingly erratic and paranoid behavior, convinced that people he did not know were calling him a pedophile.
Persons: Robert R, Card’s Organizations: Card’s Army Reserve Locations: Lewiston , Maine
If approved by regulators and shareholders, Capital One’s (COF) acquisition will create the biggest US credit card company by loan volume. Discover cards are already accepted at 99% of all US merchants that allow customers to make credit card purchases, according to the company. Credit card networks are the liaison between card issuers and merchants, for whom they set fees. If Capital One flips all its credit cards to Discover, Mastercard would stand to lose a quarter of its US credit card volume. Compared to other major credit card issuers, Capital One has historically catered to customers with credit scores in the 600s range, which is considered subprime.
Persons: New York CNN —, Biden, Richard Fairbank, Fairbank, JPMorgan Chase, Andrew Harrer, Democratic Sen, Elizabeth Warren, Jaret, Cowen Organizations: New, New York CNN, Discover Financial Services, Capital, Discover, Mastercard, Visa, US, American Express, JPMorgan, Bank of America, Citigroup, Bloomberg, Getty, Consumer Financial, , Democratic Locations: New York, Mastercard’s, Visa’s
Because I am capable," Card said to the New York State Police officers. He appeared thinner than normal, his fellow reservists said. An earlier report by state police indicated he had threatened fellow reservists. But New York State Police said in a statement that he was never in custody. Card was driven to Keller Army Hospital for evaluation by fellow reservists, and troopers followed the private vehicle.
Persons: Robert Card, “ They’re, he’d “, , , he'd, Card Organizations: , Army, WMTW, Information, New York State Police, Maine State Police, Card, Keller Army Hospital, Police, New Locations: PORTLAND, Maine, New York, Lewiston, Saco, Bowdoin
AUGUSTA, Maine (AP) — A panel investigating the deadliest shooting in Maine's history is set to hear from commanders with state police, which led the multi-agency law enforcement response after 18 people were gunned down at a bar and bowling alley in Lewiston. Tens of thousands of people were ordered to shelter in their homes as police converged on the sites of the shootings and searched for an Army reservist armed with an assault rifle. Both police and the Army were warned that Card was suffering from deteriorating mental heath in the months before the shooting. Card didn't come to the door and the deputy said he didn't have legal authority under Maine's yellow card law to knock in the door. The deputy told the commission that an Army official suggested letting the situation “simmer” rather than forcing a confrontation.
Persons: William Ross, Robert Card, Janet Mills, Aaron Frey, Card Organizations: Democratic, Army, ” Army Locations: AUGUSTA, Maine, Lewiston, New York, Bowdoin
Maine Mass Shooting Commission Gets Subpoena Power
  + stars: | 2024-02-13 | by ( Associated Press | Feb. | At P.M. | ) www.usnews.com   time to read: +2 min
AUGUSTA, Maine (AP) — The independent commission investigating the deadliest shooting in Maine history was granted subpoena power to compel witnesses to testify or produce documents Tuesday. The commission said it's pleased that the Army will make individuals available to testify, a spokesperson said. Evidence of Card's mental health struggles had surfaced months before the shooting. In May, relatives warned police that Card had grown paranoid, and they expressed concern about his access to guns. Then in September, a fellow reservist warned of a mass shooting.
Persons: Robert Card, it's, Army didn't, Kevin Kelley, Card, Card's Organizations: Army, , Card, Police Locations: AUGUSTA, Maine, Lewiston, West Point , New York, Bowdoin
A red Mazda sped past a police officer’s unmarked car stationed at a tree-lined Staten Island intersection. The officer inside, Mathew Bianchi, clocked the Mazda at well over the limit and prepared to make a stop at a nearby streetlight. Bianchi had been instructed to let card carriers off without a ticket. By the time he pulled over the Mazda in November 2018, drivers were handing Bianchi these cards six or seven times a day. So Bianchi did the wrong thing, which is to say, the right thing: He wrote the woman a ticket.
Persons: Mathew Bianchi, Bianchi, Organizations: Mazda Locations: Staten
kept its forecast that holiday sales — from Nov. 1 to Dec. 31 — would grow 3 to 4 percent this year. Mastercard, for example, said sales both in stores and online rose 2.5 percent on Nov. 24, from a year earlier. Like Mastercard’s estimate, the retail consultancy forecast that — adjusted for inflation — sales slipped slightly, Mr. Johnson said. If stores have too much inventory on hand, they may have to cut prices more than expected, which would erode their profits. “Really for the first time in four quarters, we are seeing retailers get inventories better aligned with sales,” Mr. Yruma said.
Persons: ” Matthew Shay, , Craig Johnson, Johnson, Edward Yruma, Piper Sandler, Mr, Yruma, Organizations: National Retail Federation, Mastercard, Growth Partners, Target
New York CNN —More people than ever flocked to stores and websites over the Thanksgiving and Black Friday holiday weekend this year, but consumers didn’t quite break the spending record set in recent years. The group said consumers spent $321.41 on average (unadjusted for inflation) on these types of items compared to $325.44 over the same time last year. The Thanksgiving holiday weekend typically marks the start of the year-end gift-buying rush. The NRF’s own projection calls for a slowdown in holiday sales growth this year. And for Cyber Monday, the numbers were even stronger — consumers spent $12.4 billion, a 9.6% increase from 2022.
Persons: New York CNN —, trumping, NRF, It’s, , Matt Shay Organizations: New, New York CNN, National Retail Federation, Industry, , Adobe Analytics Locations: New York
“It shows the psychological mind frame of consumers,” said Mickey Chadha, vice president of corporate finance at Moody’s Investors Services, referring to holiday spending data. This year, dollar sales growth for the holidays in the United States is forecast to slow to 3.3% from 6% last year. It means the spending growth it reported was “driven by net-new demand, not simply higher prices,” Adobe said. The experts CNN spoke to were all in agreement: Holiday spending data — no matter how good or bad — doesn’t represent the state of the entire US economy. A report she coauthored with Chadha predicts holiday sales will grow “a fairly modest 1% to 3%” this year.
Persons: , Mickey Chadha, Aditya Bhave, David Paul Morris, That’s, Tamara Charm, Charm, ” Adobe, Chedly Louis, Chadha, Michael Zdinak, he’s, Bhave, that’s Organizations: New, New York CNN, Moody’s Investors Services, Adobe Analytics, Adobe, P Global Market Intelligence, Bank of America, Bloomberg, Getty, Consumer, Consumers, McKinsey, CNN, Moody’s Investors Locations: New York, United States, That’s
Record-setting holiday sales hit $12 billion
  + stars: | 2023-11-27 | by ( Matt Egan | ) edition.cnn.com   time to read: +5 min
New York CNN —Enticed by deep discounts, Americans are expected to celebrate Cyber Monday by spending a record-setting $12 billion online shopping. The early results suggest the holiday shopping season is off to a positive start, aided in part by lower gas prices. Another popular measure of holiday spending, Mastercard SpendingPulse, found e-commerce sales jumped by an even stronger 8.5% year-over-year on Black Friday. In another sign of sturdy consumer spending, Americans continue to travel aggressively. That’s down 63 cents from the peak in September and marks 60 consecutive days of falling gas prices.
Persons: New York CNN —, ” Michelle Meyer, men’s hoodies, Mastercard SpendingPulse, , Mastercard’s Meyer, That’s, Sensormatic, Covid, Meyer, ” Meyer Organizations: New, New York CNN, Mastercard Economics Institute, CNN, Adobe Analytics, Adobe, JCPenney, Mastercard, SpendingPulse, Bank of America, Transportation Security Administration, Federal Reserve, AAA Locations: New York
In his new book “The Black Ceiling” Woodson, a former attorney, sheds light on systemic issues within elite professional settings and the broader economic repercussions that come from underutilizing and marginalizing talented Black professionals. Woodson spoke with more than 100 Black professionals about what he calls the Black ceiling — a significant barrier that impedes career progression and creates stigma and anxiety in the workplace. Racial discomfort encapsulates the sense of unease that a lot of Black professionals experience working in elite white work settings. Selective punitiveness is the widespread perception that Black professionals get treated especially harshly when they make mistakes. Firms need to train their personnel, especially their senior white professionals so that they don’t judge junior Black professionals adversely for these challenges.
Persons: Kevin Woodson, ” Woodson, Woodson, Bell, it’s, who’ve, Kim Schmidt, they’re, that’s, doesn’t, It’s, Eva Rothenberg, ” Grant Gustafson, Corie Barry, , ” Barry, Nathaniel Meyersohn Organizations: CNN Business, Bell, New York CNN — Corporate America, University of Richmond School of Law, Elite, Sensormatic, Black, Adobe, Retailers Locations: New York, underutilizing, DC
A lot of the spending was driven by deals and buy-now, pay-later programs. The Fed’s “beige book” report on the economy is out on Wednesday, and that will show how inflation is affecting businesses and consumers. But consumers continue to express concern over inflation that has left overall prices higher by about 18% since 2021. “With inflation falling as the Fed keeps rates unchanged, real interest rates continue to tighten,” said Richard de Chazal, macro analyst at William Blair. But consumers remain concerned about inflation and just how much will be seen on Tuesday when the Conference Board releases its consumer confidence index for November.
Persons: SpendingPulse, , Vivek Pandya, Signifyd, Richard de Chazal, William Blair, Organizations: Adobe Analytics, Adobe Digital, Consumers, Retailers, Federal Reserve, Fed, Wells, , Conference Board
Energized shoppers break one-day holiday sales record
  + stars: | 2023-11-25 | by ( Eva Rothenberg | ) edition.cnn.com   time to read: +3 min
CNN —Whether they jostled through brick-and-mortar stores or toggled between tabs and virtual carts, holiday shoppers were eager to participate in Black Friday this year. Both in-store and online retail sales increased year-over-year unadjusted for inflation, according to Mastercard’s SpendingPulse insights, which noted that apparel, jewelry and restaurant categories saw considerable spikes. Most shoppers did their browsing and buying on their phones, with mobile purchases accounting for $5.3 billion in sales. E-commerce platform Shopify also reported record sales totaling more than $4 billion worldwide, 22% higher than last year. As holiday shopping ramps up ahead of Christmas, analysts predict a busy time for retailers over the next few weeks.
Persons: ” Grant Gustafson, Sensormatic Organizations: CNN, Sensormatic, Black, Adobe
Mastercard will soon be widely accepted in China
  + stars: | 2023-11-21 | by ( Michelle Toh | ) edition.cnn.com   time to read: +3 min
The US credit card giant announced Monday that it had received clearance from China’s central bank and the financial regulator to launch a bank card business in China through its joint venture with partner NetsUnion Clearing Corporation (NUCC). Mastercard (MA) will be able to start issuing Chinese yuan-denominated bank cards under its own brand, according to a Sunday statement from the People’s Bank of China (PBOC). Mastercard CEO Michael Miebach took part in a CEO summit on the sidelines of the Asia-Pacific Economic Cooperation (APEC) forum that Xi and other leaders from across the Pacific were in town to attend. Like other foreign payments providers, Mastercard has campaigned for years to expand its business in China. Previously, it was only authorized to issue co-branded cards, such as those with China UnionPay, the state-owned bank card network.
Persons: Xi Jinping, Joe Biden, Xi, Michael Miebach, Elon Musk, Tim Cook, Miebach, China UnionPay, Amex Organizations: Hong Kong CNN, Mastercard, NetsUnion Clearing, People’s Bank of China, New, San Francisco Bay Area, Economic Cooperation, Apple, American Express, Visa Locations: China, Hong Kong, Beijing, Washington, New York, San Francisco Bay, United States, Asia
Lewiston, Maine CNN —The signs were there: hearing voices, expressing paranoid thoughts and making threats so violent, extra patrols were sent to guard a military installation. Instead, law enforcement relied on the gunman’s family to keep guns from him after they tried without success to talk to the reservist. Sheriff Joel Merry told CNN on Saturday law enforcement officers weren’t able to make contact with Card during two visits. The Sagadahoc County Sheriff’s Office sent an alert to other law enforcement agencies saying they were trying to locate Card. The fact law enforcement in Maine didn’t utilize the yellow flag law in Card’s case could point to its shortcomings, Rocque said.
Persons: Robert Card, , Michael Rocque, Rocque, Shannon Frattaroli, ” Frattaroli, Sheriff Joel Merry, , Merry, , Alex Piquero, Piquero, Card, Michael Sauschuck, hadn’t, ” Sauschuck, Robert F, Roque, Jack Clements, WMTW, Sheriff Merry, Card’s, Salwan Georges, Aaron Frey’s, ” Rocque, It’s, Janet Mills, Erin Clark, ” CNN’s Shimon Prokupecz, Mark Morales Organizations: Maine CNN, US Army, CNN, Bates College, Lewiston , Maine . Maine Department of Public Safety Authorities, D.C, Johns Hopkins Bloomberg School of Public Health, Center, Gun Violence Solutions, , Sheriff’s, University of Miami, US, of Justice Statistics, 3rd Battalion, Army, Public, Alcohol, Tobacco, Firearms, Explosives, ATF, Saco Police, New York Times, Army Reserve, ” CNN, Sheriff’s Office, An Army, Maine Department of Public Safety, Giffords Law, Washington Post, Maine Gov, Army National Reserve Unit, Boston Globe Locations: Lewiston, Maine, Lewiston ., , Lewiston , Maine, Washington, Sagadahoc, Auburn , Maine, Saco, WMTW Maine, Lisbon , Maine, ” Maine, New York
The law is more burdensome than “red flag” laws in other states, which do not require taking people into custody and evaluating them. When the Sheriff’s Office received the Army report in mid-September, Sgt. Aaron Skolfield went to do a welfare check but did not find Mr. Card. Instead, Sergeant Skolfield worked with Ryan Card, who said he and his father had come up with a way to secure Mr. Card’s weapons. But Robert Card, it said, still “had access to his firearms prior to the shootings.”John Ismay and Dave Philipps contributed reporting.
Persons: Aaron Skolfield, Sergeant Skolfield, Ryan Card, Ryan, Robert Card, , ” John Ismay, Dave Philipps, Kirsten Noyes Organizations: Sheriff’s, Army Locations: Sagadahoc
President Biden will travel to Maine on Friday to pay his respects to the 18 people killed and more than dozen wounded during a gunman’s rampage through a bar and bowling alley in Lewiston, Maine, last week, the White House announced. Shortly after the massacre, Mr. Biden declared his frustration at the taking of yet more lives in a mass shooting. The gunman, Robert R. Card II, 40, was found dead of an apparently self-inflicted gunshot on Friday, two days after the killings. “Once again, an American community and American families have been devastated by gun violence,” Mr. Biden said on Friday as the discovery of Mr. Card’s body brought an end to a vast manhunt and lockdowns in the state. “In all, at least 18 souls brutally slain, more injured, some critically, and scores of family and friends praying and experiencing trauma no one ever wants to imagine.”In a statement, the White House said the president and the first lady would “pay respects to the victims of this horrific attack and grieve with families and community members.” The president will also meet with emergency medical workers, nurses and other officials, the White House said.
Persons: Biden, Robert R, , Mr, Card’s, Organizations: White House, House Locations: Maine, Lewiston , Maine, American
9 Moves to Help You Pay Off Credit Card Debt
  + stars: | 2023-10-31 | by ( Kerri Anne Renzulli | ) www.wsj.com   time to read: +14 min
More than half of all Americans are currently aren’t managing to pay their credit card bills in full each month, J.D. Power found recently, helping explain why we now owe a record $1 trillion in credit card debt. Request an interest rate reductionCall each of your credit card issuers and ask for a lower APR, advises Todd Christensen, education manager with Debt Reduction Services, a nonprofit debt counseling agency. Work with a nonprofit credit counseling agencyIf you’re struggling to make the minimum credit card payment required each month or already behind, reach out to a nonprofit credit counseling service for assistance. These organizations, typically members of the Financial Counseling Association of America or the National Foundation for Credit Counseling, will review your finances and credit card debt to help you better manage your budget and repayments.
Persons: Kerri Anne Renzulli, Power, you’ve, You’ll, Experian, Beverly Harzog, , Todd Christensen, John Ulzheimer, you’ll, you’re, Bruce McClary, Says Organizations: Mint, Debt, Surveys, TK, nab, Consumer Financial, Financial, Association of America, National Foundation, Credit, Credit Counseling Locations: FICO
The mass shooting upended life in Lewiston and surrounding communities, injecting fear into the area and ripping families apart. A mourner attends a candlelight vigil for the victims of this week's mass shootings on October 28, 2023, in Lisbon Falls, Maine. The ex-wife and son said their plan was to stay away from Card, according to the documents. Due to an ongoing Army investigation, we cannot go into any further details,” the email statement from Castro, the Army spokesperson, said. His commander said they were trying to get treatment for Card and that “he thought it best to let Card have time to himself,” the sheriff’s office added.
Persons: Robert Card, , Ruth Castro, , Janet Mills, mourner, Robert F, Card’s, Card, Jack Clements, WMTW, Castro, teletype, ” “ Robert, Joel Merry ​, ” Merry, Mike Sauschuck, Matt Rourke, Michael Sauschuck, I’ve, I’m, ” Sauschuck, ” CNN’s Mark Morales, Linh Tran, Sara Smart, Andy Rose Organizations: CNN, US Army, Army, Sagadahoc County Sheriff’s Department, Card, Schemengees, 3rd Battalion, Army Reserve, Sheriff’s, Saco Police, National Guard, Public, Card Investigators, Subaru, Smith, Wesson, Maine Department of Public Safety, Maine Public Locations: Lewiston , Maine, Sagadahoc County, Lewiston, United States, Maine, Lisbon Falls , Maine, Saco, West Point, Sagadahoc, WMTW Maine
Six weeks before an Army reservist fatally shot 18 people in Lewiston, Maine, the police received alarming warnings that the reservist had grown increasingly paranoid, had punched a friend and had said he was going to carry out a shooting spree. But no law enforcement officials ever made contact with him, according to records released on Monday. The warnings about the reservist, Robert R. Card II, 40, were far more explicit than Maine officials have publicly acknowledged in the wake of Wednesday’s shooting, America’s deadliest mass shooting this year. They came from Mr. Card’s family members and his Army Reserve unit in Saco, Maine, and were investigated by the Sheriff’s Office in Sagadahoc County, where he lived. The Reserve also told the Sheriff’s Office that Mr. Card had been treated at a psychiatric hospital for two weeks in July before being released.
Persons: Robert R, Card’s, Card Organizations: Mr, Army Reserve, Sheriff’s Locations: Lewiston , Maine, Maine, Saco , Maine, Sagadahoc County, Saco,
The weekend’s gun violence comes as America’s scourge of mass shootings drags on. After the suspect in Maine’s mass shooting was found dead Friday, President Joe Biden reiterated his call to Congress to address gun violence. Investigation into Maine gunmanAuthorities were searching for the Maine mass shooter in Durham Friday. Also now under the microscope is a visit to Card’s home by police weeks before the mass shootings. The Maine National Guard asked local police to check on the gunman after a soldier became concerned he would “snap and commit a mass shooting,” according to information shared with CNN.
Persons: CNN —, , Jane Castor, Sheriff Tony Mancuso, Joe Biden, , Chris O'Meara, Matt Rourke, Robert Card, Michael Sauschuck, Card, Sauschuck, ” Sauschuck, CNN’s Raja Razek, Macie Goldfarb, Andy Rose, Shimon Prokupecz, Mark Morales, Linh Tran, Rachel Clarke, John Miller, Deidre McPhillips Organizations: CNN, Tampa police, WLS, Chicago Police Department, Nashville, Kaiser Family Foundation, Tampa, Child, San Antonio Police Department, San Antonio police, Texarkana Texas Police Department, Authorities, Texarkana, AP Authorities, Maine Recycling Corporation, Lisbon , Maine Public, US Army, Maine National Guard, National Guard Locations: Maine, Lewiston , Maine, Indianapolis, Tampa , Florida, Tampa, Chicago, Lake Charles , Louisiana, Calcasieu Parish, Louisville, California, Texas, Lewiston, , Ybor City, San Antonio, Texarkana , Texas, Durham, Lisbon , Maine, Sagadahoc County, Kennebec County
LEWISTON, Maine (AP) — Residents of Lewiston return to work and school Monday, the morning after coming together to mourn those lost in Maine’s worst mass shooting. More than 1,000 people attended Basilica of Saints Peter and Paul for a vigil in Lewiston, where days earlier a gunman fatally shot 18 people. Some put their heads in their hands as the names of the people who died in Wednesday’s shooting were read. Hundreds more watched a live stream of the vigil shown on a huge screen in front of the church. At Lisbon Falls Baptist Church, arriving church members greeted each other warmly but the atmosphere turned somber when the Rev.
Persons: Grace, , Saints Peter, Paul, Gary Bragg, Robert Card, Card, Kevin Bohlin, Allen Austin, ” Austin, Todd Little, , Daniel Greenleaf, Brian Ganong, Jim Ferguson, Michael Sauschuck, Leroy Walker, Joseph, would’ve, “ It’s, David R, Martin, Matt Rourke, Michael Casey Organizations: , Saints, Southern Baptist Church, Pathways Vineyard, First United Pentecostal Church, Lewiston, Lisbon Falls Baptist Church, Authorities, Alcohol, Tobacco, Firearms, Explosives, State Department of Public, Card, Associated Press, Residents, Schemengees, Central Maine Medical Center, Massachusetts General Hospital, AP, USA, Northeastern University Locations: LEWISTON , Maine, Lewiston, Lisbon Falls, , Boston, Auburn, Massachusetts, U.S, Lewiston , Maine
LEWISTON, Maine (AP) — Dozens of Maine residents gathered at Sunday services to pray and support one another following a traumatic week in which a fellow Mainer gunned down 18 people in the worst mass killing in state history. The body of Card was found Friday in a trailer at a recycling center in Lisbon Falls. A stay-at-home order in place during the massive search was lifted Friday afternoon, hours before authorities announced they had found Card’s body at the Maine Recycling Corp. The Lewiston shootings were the 36th mass killing in the United States this year, according to a database maintained by AP and USA Today in partnership with Northeastern University. The database includes every mass killing since 2006 from all weapons in which four or more people, excluding the offender, were killed within a 24-hour time frame.
Persons: Daniel Greenleaf, Saints Peter, Paul, Robert Card, “ Greenleaf, ” Greenleaf, Card, Jim Ferguson, Michael Sauschuck, ” Sauschuck, William Brackett, , , Billy Brackett, didn’t, ” Brackett, , , Michael Casey Organizations: Saints, Authorities, Alcohol, Tobacco, Firearms, Explosives, State Department of Public, Card, Associated Press, Police, Central Maine Medical Center, Massachusetts General Hospital, Maine Recycling Corp, AP, USA, Northeastern University Locations: LEWISTON , Maine, Maine, Lewiston, , Lisbon Falls, Boston, Massachusetts, United States
So long as you pay the annual fee, many hotel credit cards offer one free night each year. Before discovering free night credits, I stayed at my fair share of motels with rock-hard beds and paper-thin walls. However, as my life and finances evolved, the benefit of my free night certificates has become about more than saving money. My hotel credit card collectionYou probably don’t need eight hotel cards. Key perks: Annual free night award, fourth night free on consecutive award redemptions, automatic IHG® Platinum status, $100 trusted traveler program application fee credit every four years.
Persons: Ben Luthi, I’ve, , you’ll, , we’ve, I’m, you’re, Wyndham Wyndham, Wyndham Organizations: Nintendo, Card, Marriott Marriott, Marriott, California — Marriott, Marriott Bonvoy, Business, Residence, Ritz, Carlton, Hilton Hilton Honors Aspire, Hilton, Hilton Resort, Honors, Diamond, Las, Hyatt, Hyatt Credit, Hyatt House, Hyatt Card, Hyatt Regency, Grand Hyatt, Wyndham Locations: Sandy , Utah, Hilton, Park City, Marriott, California, Fairfield, Vegas, Seattle, Alaska, Grand, Wyndham
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