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Byebye Worldperks Visa  
User currently offlineCentrair From Japan, joined Jan 2005, 3598 posts, RR: 20
Posted (5 years 5 months 1 week 6 days 22 hours ago) and read 4830 times:

Not sure how much this was discussed.

My mother contacted me this morning about the fact that DL will discontinue the USbank NW WorldPerks VISA card in favor of Skymiles American Express card only.

Though I understand that American Express is a major corporation, it is not as useful as VISA. As a NW card holder, I can use my VISA anywhere in Japan and in many other parts of the world, yet I have not seen many American Express card signs in Japan. The choices are usually VISA, MasterCard, JCB (Japanese) and Diner.

No more WorldPerks from U.S. Bank

Quote:
"What we're going to ask card members is: 'Why would you want to start over?'" Rabkin said. "You're going to have a great experience on the airline. Now that it's literally the world's largest, you can fly anywhere you want to go and you can take your points bank and combine it."

Fly anywhere you want to go but....can you actually use the card once you get there?

Could this move benefit or hurt Delta in long run and worldwide?
We had a choice of Visa, JCB or Diners club. I can't find many places where I can use an AMEX card in Japan. So what are they going to do for us WorldPerks folks outside of the good old USA?


Yes...I am not a KIX fan. Let's Japanese Aviation!
17 replies: All unread, jump to last
 
User currently offlineIkramerica From United States of America, joined May 2005, 21532 posts, RR: 59
Reply 1, posted (5 years 5 months 1 week 6 days 22 hours ago) and read 4821 times:

Your Mom should contact USBank and see about transferring her account to another card from that bank, including her history with the account. Otherwise, not only is DL canceling a card, but they are damaging her USA credit score by eliminating an old account (decreasing average credit history length) and if she were to get the DL card, it would lower her score even more by further "newifying" her average credit history...


Of all the things to worry about... the Wookie has no pants.
User currently offlineEghansen From , joined Dec 1969, posts, RR:
Reply 2, posted (5 years 5 months 1 week 6 days 22 hours ago) and read 4812 times:

I have a Worldperks Visa card and was expecting something of this sort to happen.

I don't find American Express to be a particularly useful card. It is not accepted in a lot of places even in the United States and does not work well to obtain cash in cash machines.

Since I live in SAN which does not have a dominant airline, I will probably switch to another carrier's Visa card.


User currently offlineDeltaL1011man From United States of America, joined Sep 2005, 9425 posts, RR: 14
Reply 3, posted (5 years 5 months 1 week 6 days 22 hours ago) and read 4798 times:



Quoting Centrair (Thread starter):

AMEX gave Delta 2B (1b this year 1b next) for it.



yep.
User currently offlineTreeHillRavens From Malaysia, joined Jun 2007, 398 posts, RR: 1
Reply 4, posted (5 years 5 months 1 week 6 days 22 hours ago) and read 4788 times:



Quoting Centrair (Thread starter):
VISA anywhere in Japan and in many other parts of the world, yet I have not seen many American Express card signs in Japan. The choices are usually VISA, MasterCard, JCB (Japanese) and Diner.

Very true. Here in Malaysia only the big retail stores such as Isetan and SOGO will accept AMEX. And Shell Petroleum is the only petrol station in Malaysia that still accept AMEX. I think it's because AMEX has a higher merchant fee than VISA and Mastercard which is why the latter two cards are more widely accepted than AMEX.


User currently offlineIkramerica From United States of America, joined May 2005, 21532 posts, RR: 59
Reply 5, posted (5 years 5 months 1 week 6 days 22 hours ago) and read 4782 times:



Quoting Eghansen (Reply 2):
I don't find American Express to be a particularly useful card. It is not accepted in a lot of places even in the United States and does not work well to obtain cash in cash machines.

I use it 95% of the time in the USA for personal use. Very few places don't take it, and the ones who don't fail to take it because they mistakenly believe it costs them more than V/MC. What they fail to understand is that ANY mileage card, business card, or other such product issued with a MC or VISA symbol has roughly the same fees as AMEX and charges to the business roughly the same fee. (somebody has to pay for the perks these cards offer, and it's not the customer and it's not the bank...) The only lower cost cards by MC and VISA are non-perk personal cards, which are very rare these days. So not taking AMEX really only costs them business, but doesn't save them money.

Anyway, if you were only going to have 1 card in your wallet, no, an AMEX wouldn't be the right one to carry. But who has just 1? Everyone has at least 2. So using the AMEX 95% of the time and the other card 5% isn't such a big deal.



Of all the things to worry about... the Wookie has no pants.
User currently offlineCentrair From Japan, joined Jan 2005, 3598 posts, RR: 20
Reply 6, posted (5 years 5 months 1 week 6 days 18 hours ago) and read 4694 times:

So for the largest airline in the world, a card that is dominant in the US and not-so-useful outside the US is the way to go.

My business....lost due to a card I can't use at any store within 100 miles!
I can't use it for online purchases either.



Yes...I am not a KIX fan. Let's Japanese Aviation!
User currently offlineHT From Germany, joined May 2005, 6525 posts, RR: 23
Reply 7, posted (5 years 5 months 1 week 6 days 15 hours ago) and read 4681 times:

KL's promoted Credit Card also is AMEX (but I do not have it).

My employer just recently switched to AMEX (from VISA - or was it MC ?), but I still have not conducted a single transaction with it; I think, thet switch to AMEX is also due to the fact, that American Express is also the travel agency my employer uses (meanwhile harmonized worldwide) ...
-HT



Carpe diem ! Life is too short to waste your time ! Keep in mind, that today is the first day of the rest of your life !
User currently offlineN801NW From United States of America, joined Jul 2004, 744 posts, RR: 1
Reply 8, posted (5 years 5 months 1 week 6 days 15 hours ago) and read 4679 times:



Quoting Ikramerica (Reply 1):
Your Mom should contact USBank and see about transferring her account to another card from that bank, including her history with the account.

USBank is changing the card into a "travel rewards" credit card. The card accounts will remain open and useful, they just won't accrue frequent flier miles from Northwest or Delta after the program merger..

I am curious if DL would rent/sell the WorldPerks name for this card after a few years to avoid confusion. It wouldn't be a bad name for a travel card.


User currently offlineDeltAirlines From United States of America, joined May 1999, 8902 posts, RR: 12
Reply 9, posted (5 years 5 months 1 week 6 days 10 hours ago) and read 4659 times:

I've rarely had a problem using my American Express cards in the US and Europe. The only places in the Minneapolis area that I frequent with any regularity are the cafeteria at work and the local pizza place, where I use my US Airways Visa debit card (since these purchases are normally under $7, I'm fine with it).

User currently offlineCentrair From Japan, joined Jan 2005, 3598 posts, RR: 20
Reply 10, posted (5 years 5 months 1 week 5 days 21 hours ago) and read 4632 times:



Quoting DeltAirlines (Reply 9):
I've rarely had a problem using my American Express cards in the US and Europe.

What about Asia?



Yes...I am not a KIX fan. Let's Japanese Aviation!
User currently offlineLincoln From United States of America, joined Nov 2004, 3887 posts, RR: 8
Reply 11, posted (5 years 5 months 1 week 5 days 13 hours ago) and read 4620 times:



Quoting Eghansen (Reply 2):
I don't find American Express to be a particularly useful card. It is not accepted in a lot of places even in the United States

I have a Corporate AMEX and a Business VISA from my employer. 99% of my business expenses get charged to the AMEX (airline tickets, hotels, meals, parking, office supplies, convention supplies/registrations, dry cleaning related to conventions, etc., etc.) and the only place I regularly have a problem with places accepting it are parking structures and some tiny sandwich shops.

But then again, parking structures are ever so slowly evolving from the dark ages-- many of them are still cash only for goodness sake.

Quoting Ikramerica (Reply 5):
What they fail to understand is that ANY mileage card, business card, or other such product issued with a MC or VISA symbol has roughly the same fees as AMEX and charges to the business roughly the same fee

Actually I was talking with our office manager about this subject a few months back and for our customers who choose to pay with a credit card (99% pay using the traditional contract/purchase order/invoice/check model) AMEX is currently the cheapest of the "Big 3" for us to process. VISA Charges us two diffeent fees-- higher if it was issued as a "Business" card vs a "Personal" card (but we don't take an extra hit for mileage/point/etc. cards).



CO Is My Airline of Choice || Baggage Claim is an airline's last chance to disappoint a customer || Next flts in profile
User currently offlineN801NW From United States of America, joined Jul 2004, 744 posts, RR: 1
Reply 12, posted (5 years 5 months 1 week 5 days 7 hours ago) and read 4605 times:

The card will be renamed FlexPerks.

Quote:
U.S. Bancorp will change its WorldPerks Visa cards over to FlexPerks Travel Rewards Visa cards starting in May, the company announced Friday.

The new cards will be sent to cardholders in July. They will contain the same numbers as the old WorldPerks cards and automatic bill payment will be uninterrupted.

http://twincities.bizjournals.com/tw.../2009/04/06/daily58.html?ana=yfcpc


User currently offlineB764 From United States of America, joined Nov 2001, 753 posts, RR: 1
Reply 13, posted (5 years 5 months 1 week 5 days 6 hours ago) and read 4596 times:

This sucks. I got the damn card cause I wanted WorldPerks miles. Now they are changing it and what am I to do. As stated, if I cancel the card my credit gets a ding on it. If I apply for new AMEX card my credit gets a ding. If I don't use the card I still have to pay the annual fee (it's going to be waived the first year). I think this is wrong and we cardholders should be allowed to cancel the account without a risk to our credit file. I'm sure though there is come fine print in the contract saying they can change the program without us being able to do anything about it. I think I'm going to start by writing Worldperks then USBank. I feel this is wrong. Once again the lil man takes it up the *ss

User currently offlineN801NW From United States of America, joined Jul 2004, 744 posts, RR: 1
Reply 14, posted (5 years 5 months 1 week 5 days 5 hours ago) and read 4590 times:

The problem here is that WorldPerks, like Northwest itself, are going to cease to exist. With Delta awarding it's FF mileage card business to Amex US Bank had to do something. Their options were either wind down the program and lose lucrative merchant and member fees or refashion the card into something else and try to keep some portion of the current customer base. They have chosen the latter.

User currently offlineCentrair From Japan, joined Jan 2005, 3598 posts, RR: 20
Reply 15, posted (5 years 5 months 1 week 4 days 23 hours ago) and read 4564 times:

Let me rephrase this for people who didn't quite understand what I am getting at.

In the US Northwest uses USBank and VISA.
In Japan Northwest uses Citibank and VISA.

AMEX holders....
Have you had any problems with AMEX in Asia...specifically Japan?



Yes...I am not a KIX fan. Let's Japanese Aviation!
User currently offlineBurnsie28 From United States of America, joined Aug 2004, 7546 posts, RR: 8
Reply 16, posted (5 years 5 months 1 week 4 days 13 hours ago) and read 4535 times:



Quoting Ikramerica (Reply 5):
Very few places don't take it, and the ones who don't fail to take it because they mistakenly believe it costs them more than V/MC

Maybe in major cities, but most places actually don't, and it does cost more to take it than a Visa and master card (see below)

Quoting B764 (Reply 13):
If I apply for new AMEX card my credit gets a ding

These are credit myths.

Quoting TreeHillRavens (Reply 4):
I think it's because AMEX has a higher merchant fee than VISA and Mastercard which is why the latter two cards are more widely accepted than AMEX.

American Express charges merchants 5% of each transaction, Visa/Mastercard are 3%, and Discover charges 2%, thats what I was charged when I ran a business, and another business I worked at was also the same thing, Visa currently charges my University 3% as well, which in turn if you want to use a Credit card they will also charge the student or whoever is paying the 3% fee.



"Some People Just Know How To Fly"- Best slogan ever, RIP NW 1926-2009
User currently offlineLeskova From Germany, joined Oct 2003, 6075 posts, RR: 70
Reply 17, posted (5 years 5 months 1 week 4 days 11 hours ago) and read 4525 times:



Quoting Ikramerica (Reply 5):
(somebody has to pay for the perks these cards offer, and it's not the customer and it's not the bank...)

It's not the customer, that's true - but it's also not the merchant: the merchant only has an agreement with a credit card processer for a type of card, whether the customer gets miles on the transaction or not does not feature in those contracts (at least over here in Europe).

It actually is the issuing bank that pays - they essentially purchase miles from the carriers that they distribute to their CC customers for their transactions.

Quoting Burnsie28 (Reply 16):
American Express charges merchants 5% of each transaction, Visa/Mastercard are 3%, and Discover charges 2%, thats what I was charged when I ran a business, and another business I worked at was also the same thing, Visa currently charges my University 3% as well, which in turn if you want to use a Credit card they will also charge the student or whoever is paying the 3% fee.

Those numbers sound about the same as they are over here, though I once received a credit card statement for another company when I still had my own travel agency; incidentally, the merchant statement that I got was for a... let's call it "bar with adult entertainment"  Wink ... and they had some steep charges on there. I was actually shocked at first when I saw the amount that I was supposed to be receiving, then I got a second shock when I saw what the processers were charging me... then I realized that it wasn't my merchant statement and took a deep breath...

I had something around 1.5% for VISA and 1.75% for Mastercard, AMEX wanted 5% (which we didn't take because none of our customers ever asked for it) and Diners was something inbetween, but Diners is pretty much a non-event here anyhow.

The statement that I mistakenly received had merchant charges around 20%...  Wink



Smile - it confuses people!
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