In-person participant 1: Tada! We're back! Next Level Points and Travel! Welcome! Upgradeheroes: Tada! We're back! Next level points and travel! Herzlich willkommen! Paybackhunter: Herzlich willkommen an alle! Upgradeheroes: How you? We each a time. I each for a long time now. In-person participant 1: How you? We haven't each a time. I each for a long time now. Paybackhunter: Yes, that's actually the because I you rest. I on your vacation and really nice, at least when I you In-person participant 1: Yeah. Yeah. Upgradeheroes: Yeah. Yeah. I was in the beautiful Zillertal in Mayrhofen in a really beautiful family hotel I can really Wärmstens, was really super nice. We also had great weather, the Aperol on my hut went well. No, was really a successful vacation. In-person participant 1: I was in the beautiful Zillertal in Meyerhofen ⁓ in a really beautiful family hotel I can really Wärmstens, was really super nice. We also great weather, the aperol on my hut went well. No, was really a successful vacation. ⁓ Paybackhunter: Very good. How long has it Total? Upgradeheroes: We actually a week, which I really long. think a week of winter vacation is now as expensive as a 14-day flight somewhere far away. You really have say A week of vacation is really, really expensive. You have say the prices for the ski pass and so on. In-person participant 1: We actually a week, which I really long. think a week winter vacation is now as expensive as a 14-day flight somewhere far away. You really have say A week of vacation is really, really expensive. You have say the prices for the ski pass and so on. Paybackhunter: Yeah, yeah, In-person participant 1: That's already very sporty. We actually had our dog with us and then we didn't when the gondolas open at 8 am and then up to mountain. No, we had, course, this great hotel, Hotel Berghof in Mayrhofen, absolute recommendation, unpaid advertising, hashtag unpaid advertising, actually. Upgradeheroes: That's already very sporty. ⁓ We actually had our dog with us and then we didn't when the gondolas open at 8 o'clock in the gondola and then up to mountain. No, we had, of through this great hotel, Hotel Berghof in Meyerhofen, absolute recommendation, unpaid advertising, hashtag unpaid advertising, actually Paybackhunter: Unpaid advertising. Upgradeheroes: ⁓ Really an insanely great hotel. ⁓ Really great. With a pool, with spa area, you could get massaged. You could various things privately. Incredibly beautiful for children. There is also children's pool with small slides. Also for small children. There is also for teenagers. In-person participant 1: Really an insanely great hotel. Really great, with a pool, with spa area, you could get massaged, you could things privately. Incredibly beautiful for children. There is also children's pool with small slides, also for small children. There is also for teenagers. Paybackhunter: Hmm. Upgradeheroes: rooms that are bit further away from the adults. was a trampoline hall. was an animation... It looked like a one-armed bandit, but you were skiing and you basically ski over a virtual ski slope. There were table tennis boards and table kickers and really, really great things, also for teenagers. In-person participant 1: rooms that are bit further away from the adults. was a trampoline hall, was an animation, it looked like a one-armed bandit, but you stood there and could drive ⁓ over a virtual ski slope. There were table tennis boards and table kickers and really great things, for teenagers. Paybackhunter: Mm-hmm. In-person participant 1: There were also small lounge areas There were children integrated into the table where you could So that they at the table and stay busy. Very nice. I also a favorite game with my pet. He was there. We always it nicely. There was also a virtual... Upgradeheroes: There were also small lounge areas There were children integrated into the table where you could So that they at the table and stay Very nice. I also a favorite game with my pet. He was there. We always it nicely. There was also a virtual... Paybackhunter: Mm-hmm. In-person participant 1: Airport, you could then, like, what's the name job? Where they're in the tower, here the... Yeah, you had like, the plane to the runway so that it other arriving plane. That was a nice game, yeah, the food was... So, if I tell you, everyone took part in this holiday. Upgradeheroes: at could, like, how is the job called, where they in the tower, here the... yes, you had to take the plane to the runway so that it other arriving plane. That was a nice game, yes, the food was... So, if I tell you, everyone took this vacation. Paybackhunter: The Lutz, the flying Lutz. In-person participant 1: It was really good again. In there was an extra room, breakfast was sensational of there was an extra room where you could squeeze juice yourself, not just o-juice but also real dejuicer. Then there were apples, carrots and cucumbers. You could really have a fresh... Upgradeheroes: It was really good. In there was an extra room, breakfast was sensational of there was an extra room where you could press juice yourself, not just o-juice but also real de-juicer. Then there were apples, carrots and cucumbers. You could really have a fresh... de-juiced...juice? Whatever. In any case, sensational. There was already some juice for breakfast for the adults. What the heart desires. the evening a giant buffet. And you could from three main dishes. It actually had cross-country quality, have say. And that's really... So, who has ever a cross-country, knows... In-person participant 1: de-juiced...juice? Whatever. So, any case, There was already some juice for breakfast for the adults in well, what heart desires. evening a giant buffet. And you could from three main dishes. So, actually had cross-country quality, I have to say. And that's really... So, whoever has ever a cross-country, knows Upgradeheroes: when there to it is really very, very high-ranged and that was it. So mega mega nice. So a very big hotel too, But very great, so also very helpful. Because we our dog with us, we also a little dog camera in the room. It didn't with the WLAN, it could only the other WLAN. So they were very, very helpful and so on. In-person participant 1: when you to eat is really very high-ranged and that was it, so mega mega nice. So a very big hotel too, but very great, so also very helpful. Because we our dog with us, we also a little dog camera in the room, which didn't with the WLAN, could only the other WLAN, so they were also very helpful and so on. Great, great! Unfortunately I my mic, so I left with which I always my stories and my reels. Yes, we unfortunately left there, we were in exchange, hoping that they would and yes, let's see what comes Upgradeheroes: Great, great! Unfortunately I my microtor, so ⁓ I left with which I always my stories and my reels. We left there, and we were already in exchange, hoping that they would Let's see what comes Paybackhunter: and So we that again. You just told us some things about how you a vacation. I have thousands of stories. You take beforehand, you have say. For the vacation and then you take it. But that's another topic that really funny. that's actually with me. Then you just said you forgot and it's actually a lost or maybe still in work. Maybe you'll that. In-person participant 1: ⁓ portal! Upgradeheroes: ⁓ brutal. In-person participant 1: Mm-hmm Upgradeheroes: Yeah. In-person participant 1: Yeah. Upgradeheroes: So they can now of you have to say the hotel is far ahead of the So we actually, we were already in Mayrhofen and we booked this year before we left. Friends of ours were already there. yes, yes. We actually asked for Sylvester. In-person participant 1: So they can now of course, you have to say the hotel is far ahead of book. So we actually, we were already in Mayhofen and we booked this year before we left. Friends ours were already there. We were, yes, yes. We actually asked for Sylvester. Paybackhunter: Was passiert? Wow, okay. ⁓ No problem. In-person participant 1: No, nothing to There is a waiting list, you can sit but that's probably hopeless. Upgradeheroes: No, nothing to There is a waiting list, you can sit but that's probably hopeless. ⁓ Paybackhunter: But, Anni, if you booked your same hotel in for 2026, are there any hotel bonus points, credit cards, miles? So with such a booking, did you collect points or not? Upgradeheroes: Of course I with Amex, although you have to that the number has to by transfer. And yes, of course already a problem. So Amex is not accepted. Either transfer or I think they a Visa card, but not Amex. In-person participant 1: Of course I the Amex, although you have to that the number has to by transfer. And yes, of course a problem Amex is not accepted, either transfer. or I think they Visa card, but not an Amex But there are certain strategies where you can a transfer. Then we also paid for everyone. We were six adults, two children. And we the transfer for the payment. We course got points. Upgradeheroes: But there are certain strategies where you can use Then we paid for everyone. We were six adults and two children. We did the transfer for the payment. We scored points. Then can the rest on the credit card. In-person participant 1: And then can course the rest run on the credit card. Of course, always as strategy if you a new credit card and to a minimum turnover. As a small note for that. You can with your friends. We also did We said, we have a credit card there, it would be nice if we could Upgradeheroes: This is always as a strategy if you a new credit card and a minimum income. As small note for that. You can with your friends. We did that We said, we have a credit card there, would nice if you the money and we get the points for that. That's no problem. In-person participant 1: If you hand over and we get the points for that's no problem. That's we did it. Upgradeheroes: So that's did it. Paybackhunter: Okay, so... In vacation... Was it cheaper because you booked I'll say it in very casual way, wouldn't be able to look at a travel coupon somewhere in the Payback app like And although you are welcome in the hotel, you could the same hotel via a Or is this hotel for example not in various... Oh, there are also so many trainers. Upgradeheroes: The hotel does booking, but it's booked out. It was booked Booking only has a certain number of rooms. And they're gone, you won't a chance. You can for one week, from Saturday to Saturday. Or a week In-person participant 1: The hotel does booking, but it's booked out. It booked Booking only has a certain amount of rooms. And they're gone, you won't a chance. You can for one week, from Saturday to Saturday. Or a week Paybackhunter: We're now on for... Yeah. Upgradeheroes: Normally we prefer for 4-5 days, not a whole week, because skiing every is exhausting. In-person participant 1: Normally we prefer for 4-5 days, not a whole week, because skiing every is exhausting. Paybackhunter: So you say in this hotel where you were, you can only from Saturday to Saturday. Saturday check in and next Saturday check out I can not say I just to Wednesday. ⁓ Upgradeheroes: We had A lot went wrong Originally, other friends to go us. Unfortunately, out a private basis. Then we a successor couple, who then also said, hey, it's to bit sporty We can't a week, we can't go straight from... In-person participant 1: We had with this booking, lot went wrong. other friends to go us. Unfortunately, out a private basis. Then we found a successor couple, who then also said, hey, it's to bit sporty we can't a week, we can't agree on Upgradeheroes: Yes, financial reasons, because of work, blah blah. And we like four days. Then we at the hotel and they said yes, basically we can offer four days, but if we other three rooms not rented, you to the whole week. So I'm sure ... In-person participant 1: For financial reasons, because of short work, blah blah. And we like four days. Then we in hotel and they said, yes, basically we can offer four days, but if we other three rooms not rented, you to the whole week. So I'm sure ... Upgradeheroes: They then left the trip, but other friends jumped in again. I think it would have to this room. But who wants to this risk anyway? I probably have said no, then the risk is too great. If nobody finds it, then we'd rather completely off. But I have say, the hotel was really every cent. We had half pension. In-person participant 1: They then left the trip, but other friends jumped in again. I think it would have to this room. But who wants to this risk? I probably have said no, then the risk is too great. If I anyone, then we'd rather completely off. But I have say, the hotel was worth every cent. We had a half-pension. have, alone, if you think it, you're somewhere in the ski area and you the evening. So you just money. You need a certain contingent for food. Because we a great breakfast, we didn't spend We didn't to eat and then evening. Upgradeheroes: Even alone when you think about you're somewhere in the ski area and you somewhere in the evening. You just money. You need certain contingent for food. Because we such great breakfast, we didn't spend we noon and then the evening we properly treated. Paybackhunter: Yeah, In-person participant 1: I enjoyed it. It was great hotel. I can really recommend It's not necessarily the cheapest, but it's worth every cent. Really a great hotel. Upgradeheroes: But it was great. It was a super great hotel. I can really recommend It's not necessarily the cheapest, but it's worth every cent. Really a great hotel. Paybackhunter: To be I wasn't of the hotel history, that you have to from date to date. I was mostly in the past, to it briefly, in the center parks, with family or friends, because it's relatively relaxed. And that's the principle, but that's... Upgradeheroes: Hmm? In-person participant 1: Hmm? Paybackhunter: Monday to Friday and Friday to Sunday or actually a whole week. You can make a different combination. You still the games. And you can still say, actually I to on Tuesday first. Or if you can't you still for it Monday. Or I want to leave then still for So then it's just like And then you that with one. So all this flexibility, in a very classic hotel, I only for three nights, I pay accordingly for it. Upgradeheroes: Mm-hmm. Yeah. In-person participant 1: Mm-hmm. Yeah. Upgradeheroes: Hmm. In-person participant 1: Hmm. Upgradeheroes: I don't know. Paybackhunter: But then I'm out and you can rent more. It's completely different strategy of room You automatically I'll be honest, there's a shortcoming because you a week. I can't imagine that the hotel 52 weeks a year. But only when you to enjoy and ski. in ski area, then the months first, no question at But yes, very expensive, you I myself have never skied I think it's not vacation for me, not because I'm the sun type, but I actually have some concerns when I the skis, whether I even stand and then I don't feel like hurting That's I that. In-person participant 1: Hmm. Upgradeheroes: Hmm. In-person participant 1: You have to a ski course! You have to get the penguin group! Ah, that's really cute! I also my partner, my partner was there and my little brother. My partner is 5, he's turning 6, he's to school and he already in the ski course and... Upgradeheroes: You to a ski course. You have to get into the penguin group. Ah, that's really cute. I also my partner, my partner was there and my little brother. My partner is 5, he's turning 6 he's coming to school and was already in the ski course and Paybackhunter: you Upgradeheroes: It's so cute when they really down with the pizza, full speed and so on. It's really sweet, how fast they learn. He had a little accident and turned his knee really stupid. Then the parents were still in the clinic and had the whole leg plastered in. For a five-year-old it's deadly. If you don't ... In-person participant 1: It's so cute when they really drive down with the pizza, full speed and so on. It's really sugar sweet how fast they learn. He had little accident and his knee turned Then the parents were still in the clinic and had the whole leg plastered in. And that's a five-year-old. If you don't ... Paybackhunter: ⁓ the truth. Upgradeheroes: He was to step He was to really protect He to his thigh. From bottom to top. In a hotel where there a children's pool. There was also extra playroom with a climbing wall and so on. So... Deadly. I'm you this is a punishment for the parents. In-person participant 1: He was to step He was to really rest He to his thighs. From bottom to top. In a hotel where there a children's pool. There was also extra playroom with a climbing wall and so on. So... Deadly. I'm you this is a punishment for the parents. And for the child of You see the other children jumping and you sit there with your plastered That wasn't so nice. Upgradeheroes: And for the child of you have to say too. You see the other children flinching and you sit there with your plaster leg. That was actually not so nice. Paybackhunter: I would have been about that too. Especially if you hurt everyone will it. You can regulate but if your children themselves at this age and then on vacation, it's twice as exhausting. Upgradeheroes: Yeah. Yeah. Yeah. In-person participant 1: Yeah. Yeah. Yeah. Upgradeheroes: Then they couldn't into the CT, to see what down in that moment. Because a five-year-old doesn't stay 20 minutes lying A CT is incredibly loud, often adults afraid and so on. So they actually said, we'll it. We're not in anesthesia, but we'll it. They had a Friday before the departure, then again. In-person participant 1: Then they couldn't get into the CT to see what down in that moment. Because a five-year-old doesn't stay 20 minutes in A CT is incredibly loud, often makes adults afraid and so on. So they actually said, we'll it, we won't in drug, but we'll it. You look again ... Paybackhunter: Yeah. In-person participant 1: They on Friday before the departure. Now I hope that it is finally done he the plaster off and then he can jump again. But the tooth fairy was still there, so the tooth has also out. Upgradeheroes: I hope that it's over He of the plaster and then can jump again. But the tooth fairy is still there, so the tooth has also flown ⁓ In-person participant 1: ⁓ Upgradeheroes: Not only that he injured tooth fairy also came around the corner. It also flew in and in the tooth. In-person participant 1: Not only that he injured the tooth fairy also around the corner. The front and the tooth also flew He's great. Paybackhunter: So, good improvement from here. I hope everything be fine and then it The kids, they have to go through they have to learn how to deal it. But I know, every child, I also two children, they have tumul in the back of and can't and don't want to then they are also fast and very loud and that is not so nice. Upgradeheroes: Yeah, he's great. In-person participant 1: Yeah. That was also nice, there was an extra family dining room. There were mainly families with the children there, small children. And in this big... How big was it? I can't describe Anyway, there a small separate playroom so that they this room there. So that was also very nicely solved. Upgradeheroes: It was also nice, there was an extra family dining room. There were families with their children there, small children. And in this big... How big was it? I can't describe Anyway, there was a small separate playroom so they this room. So that was also very nicely solved. Really super, super nice. ⁓ In-person participant 1: Super super nice, so I can only recommend it. It was really worth Upgradeheroes: I can only recommend it. It was really worth Paybackhunter: Yeah, very good. It's always nice when you go you relax, and to a lot. That's also very important. There are a of out who say they don't all of and they go Germany. Yeah, go No problem. Nobody has to Ski. Nobody has to Dubai. Nobody has to go anywhere But guys, your time. Upgradeheroes: Yeah. In-person participant 1: Yeah. Upgradeheroes: Is auch schön. In-person participant 1: Is also nice. I Dubai anyway. Paybackhunter: Now the political situation in the Middle East And you can here directly, we already it here at the post. The fuel prices have really enormously. And if you get back to payback at Aral you every two liters. In-person participant 1: Ja, ⁓ Gott, Wahnsinn! Upgradeheroes: Yeah, ⁓ god, wahn-sin. In-person participant 1: Hmm. Paybackhunter: It nothing to do with the fuel price. That means no how high it is, even if you 100 euros theoretically at the gas station for a liter, for two liters you only one point. That is completely irrelevant in the system. But you can what is in Middle East. That is immediately, also here in Germany, Germany, in in in Upgradeheroes: in In-person participant 1: to Upgradeheroes: Mm. In-person participant 1: Hmm. Paybackhunter: all the oil refineries and all the transports go unfortunately. Upgradeheroes: But I say that I have noticed that already in autumn, the AIDA, Dubai or generally all these Arab Emirates are not running and I still wondered why. So I actually didn't about war at And that is actually the only talk that was not there because currently there are still these TUI Cruises. In-person participant 1: But I say that I noticed that already in autumn, the AIDA, Dubai or generally all these Arab Emirates, did arrive and I still wondered why. So I actually did not of the war at And that is actually the only talk that was not on site, because currently there are still these Tui Cruises. Paybackhunter: Mm-hmm. Upgradeheroes: and one ship from the MSC and there are two more cruise ships in Dubai in the I know this route, I've there before. I'm someone who can't really understand why you to Dubai for vacation. That's the absolute hype with Dubai. I think it's all very artistic, it's all very... In-person participant 1: and one ship from the MSC and there are two more cruise ships in Dubai in the I know this route, I've there before. I'm someone who can't really understand why you to Dubai for vacation. That's the absolute hype with Dubai. I think it's all very artistic, it's all very... Upgradeheroes: How should say it? Just rebuilt, artificially made. I'd rather little further and have the right culture. There are so many beautiful places that you can look Dubai as a stopover for two or three days is okay, but I don't want for ten days. So for me it anything. In-person participant 1: How should say it? Just rebuilt, artificially made. I'd little further and have the right culture. There are so many beautiful places that you can look Dubai as a stopover for two or three days, I okay, but ⁓ I don't want for ten days. So for me it anything. Paybackhunter: Yeah. Upgradeheroes: But I hear it again and that many people... I recently, to get back to the Amex, someone wrote to hey I have the Amex now and my wish is to Emirates to Dubai. And I said, wow, How many membership rewards do you Well, none yet, because I only the credit card In-person participant 1: But I hear it again and that many people... By recently... To get back to the Amex, someone wrote to hey, I have the Amex now and my wish is to Emirates to Dubai. And I said, wow, How many membership rewards do you Well, none yet, because I only the credit card then I said... Upgradeheroes: How do you to get Or when do you to fly? What is your goal? In April I said, that's sporty because you points only if you full minimum income. For the platinum it's this 10,000 euro income and in principle if you these 10,000 euros In-person participant 1: How do you to get Or when do you to fly? What your goal? Well, now in April. I said, that's sporty, because you these points only if you full minimum income. So for the platinum it's this 10,000 euro income. And basically, if you these 10,000 euros ... Upgradeheroes: With the Turbo get a 100.000 membership points but you with Emirates because we all know that the transfer rate from German Amex to Emirates is 2 to 1. So means you get 100.000 points and only 50.000 Emirates. And Emirates is not only a very expensive flight product from but you also a lot of miles. In-person participant 1: With the Turbo you get 100.000 member points, but you Emirates because we all know the transfer rate from German Amex to Emirates is 2 to 1. you get 100.000 points and only 50.000 Emirates is not only a very expensive flight product from home, but you also a lot of miles. Upgradeheroes: and the right strategy. And then I to pull her teeth very so that it wouldn't out quickly, with her wish. In that case I the bad tooth fairy. The root fairy. In-person participant 1: and the right strategy. And then I to pull her tooth very so that it won't out quickly, with her wish. In that case I the bad tooth fairy. The root ⁓ fairy. Paybackhunter: Of course. Was you the tooth fairy in this case? It's actually like that. your open for the credit card selection. There are so many advantages, no question about But you have to look at when, how, where, what can I do. I am still firmly convinced that is far too little especially on social media, but everyone is... I'm always interested in marketing rather than introducing strategies in the cards to the people. feel free, if you think you've done enough and you know what you can with it, then go. But if you all the information or have the right plan yet, just because someone says, close the credit card and you can fly business from A B, that's right. Upgradeheroes: Now, it's... In-person participant 1: Naya is- Mmm. Paybackhunter: But for what price, for what price is it realistic? Does it your time? I have kids, I have to watch out There are available seats, is it realistic? And so on and so on. credit cards are definitely huge topic. And not just take it lightly. Upgradeheroes: Begetile. In-person participant 1: Vegetine. Hmm. Upgradeheroes: Light shoulders. We know that the between the German AMEX and Emirates is 2 to 1. Now I've seen you got a US credit card, my dear. Congratulations! Drum roll! Of course, transfer rate is a bit different. In-person participant 1: Light shoulders. We know that the between the German Amex and Emirates is 2 to 1. Now I've seen you got a US credit card, my dear. Congratulations! Drum roll! Of course, transfer rate is a bit different. Paybackhunter: That's right. But I can tell you, it has... Upgradeheroes: Now loud, I've my dog very loud. All good. In-person participant 1: Now I've too loud, I've my dog very loud. All good. Paybackhunter: Everything's good, Brauna. I can tell you, it a lot of can tell you Especially me, my main job, family, football, everything that has payback as a payback hunter. that as well, it's actually impossible. But can tell you, I course at... In-person participant 1: Hmm. Upgradeheroes: Hmm. Paybackhunter: I've Dominik and Alex, Travel Insider Podcast among others and Alex Gaia. They have a community that works and now you just to make that you stay Not only you a course, in this case it's a video format with a functioning community. I took a little time to it on but you can't on side. You have from the I'll you in words, if you have support, you're usually... within 10 days. Normally. In-person participant 1: But how much time do you to take for Upgradeheroes: But much time do you to take for Paybackhunter: Yes, a few hours You have to something here, have to wait for something to then you to the next thing and then you build your next setup So that's the we live in Germany and we want a US credit card and for the US credit card I have to a US address and do many more necessary steps so that everything works hand in hand. So, and if something doesn't work You have a community to reach to and say, what do I to do I got an email, I post, I this message, this works, this doesn't And then you helping participants who you very well. But you still have everything yourself. is nobody who it for you. You have to put you have to to the various pages, you shouldn't afraid to Amex in English. to talk, to make calls. You have to with a notary. You have to be prepared for the whole and then the step-by-step, so to speak, level-by-level. My goal was to that. In-person participant 1: to telephone. Upgradeheroes: telefonian And they call you. They rather call than you an email or write In-person participant 1: And they call you. They rather call than you an email or write ⁓ Paybackhunter: that I for the green US Amex credit card so that I my membership rewards that I with the German Amex. It's not payback, guys, but it's Amex green, Amex gold, Amex platinum or Amex rose and the Upgradeheroes: But with the payback, payback counts too, payback amex. In-person participant 1: But the payback, payback counts too, payback amex. Paybackhunter: and you don't any membership rewards. Exactly. Upgradeheroes: Nein, aber zählt für diesen... In-person participant 1: No, but counts for this... Paybackhunter: Yes, that's important. My topic was that I my membership rewards. These are points that I with my expenses. You collect membership rewards through four ways. First, welcome bonus. Then I pass on my friendship link and get advertising bonus. Then there are various offers in the Amex app, that means, I don't buy 500 euros for that the market. Then there are a few Membership Rewards on top of it as example. And, the fourth is expenses. You have to spend to collect Membership Rewards. So you can the Turbo, that costs another 15 euros a year extra, but for that you collect 1.5... In-person participant 1: Yeah. Upgradeheroes: Yeah. 1.5 times. In-person participant 1: 1.5 times. Paybackhunter: Membership rewards. So that's the math. You can it out on the AmEx website. And I've some membership rewards to make sure. Over 200 million membership rewards over the last two years. Of there friendship ads, there are expenses, but there are also fixed cost strategies. So there are many possibilities to get membership rewards. In-person participant 1: Hmm. Paybackhunter: to generate and my goal was to get the transfer ratio of 2 to 1 which is really bad. If I 100.000 membership rewards and 50.000 skywars from Emirates then it's not that much. But if you in this US setup then the transfer ratio is way better. Really way better. Without any Upgradeheroes: You often don't even an upgrade. In-person participant 1: You often don't even an upgrade there. Upgradeheroes: You also have higher bonuses, a lot cashback actions, free nights and so on. One more there is also the possibility that you a Hilton Amex. Why the Green? Or the Marriott? In-person participant 1: You also have higher bonuses, a lot cashback actions, free nights and so on. One more there is also the possibility that you a Hilton Amex. Why the green one? Or the Marriott? Paybackhunter: Let's 1.0. Get on, get on. There are different options. There is the entry option to get There are systems. If I the green one, I take the gold one and the platinum one. But if I the platinum one, I couldn't the gold or the green So you upwards, but not downwards. And you to make sure that you... Upgradeheroes: upwards. In-person participant 1: Upwards. Paybackhunter: First of if you've this setup, you can the second, third, fourth. And that's the trick, dear people, you're only with one US credit card, but you several. So three, four, five. In theory, everyone has to know how to change Because here the focus is on welcome bonuses, all. And then there just as many... really cool offers like paying restaurant with the card and then suddenly three points, not just 1.5 times. So it goes really, really fast. There so many different credit cards and also that, it's not just US Amex, but it's actually US credit cards. So you have to completely, but one after the other. Upgradeheroes: The Americans are crazy when it to credit cards. They live off of credit When was the big financial crash? They were ⁓ In-person participant 1: The Americans are crazy when it to credit cards. They live off of credit When was this big... ⁓ Paybackhunter: Correct. 2007, 2009, something like that. In-person participant 1: financial crash, exactly, they got a little bit of But there is really everything possible. You can have airlines ⁓ credit cards, hotel credit cards and ⁓ supermarket credit cards and hardware store credit cards. You can really have death and death. With which you can super in So depending on where your focus is. ⁓ Upgradeheroes: But there is really everything possible. You can get airlines ⁓ credit cards, hotel credit cards, supermarket credit cards and hardware credit cards. For death and the there are credit cards with which you can super in So depending on where your focus is, you in America ... Paybackhunter: Good luck. In-person participant 1: you have completely different possibilities than we here in Germany. So here we are in Germany, totally in the baby shoes. And I don't know about you, but when I about credit cards, with my mother, example, credit card is a logo. So these are debts, you don't them. Upgradeheroes: completely different possibilities than we here in Germany. So here we in Germany, totally in the baby shoes and I don't know how you feel but when I about credit cards, with my mother for example, credit card is a no go. So these are debts, you don't them. Yes, that is very, very negatively affected. Paybackhunter: where Yeah, that's true. In-person participant 1: That's very, very negative. It's with a even By the I was made very stupid in because I paid And then this card reader had a problem and then this man behind me made me so stupid, what I can of paying with a card. Upgradeheroes: It's for certain age group. ⁓ I was in the shop because I paid The card reader had a problem and then this man behind me made me so stupid what I can of paying with a card. He said, my card payment is faster than if you choose your pawn and block half the cash. Paybackhunter: Bye. In-person participant 1: my card sharing is faster than when you choose your cheap ones and thus half the cash. But in the last years you are often put where you shopping addict. But it gets better better. The younger people are getting more and more Paybackhunter: Mm-mm. Upgradeheroes: In the last years, are often put where you are a shopping spree. But it gets better better. Young people are more their mobile phones. It's easy to Then you your credit card, use it for your daily expenses and then you points. In-person participant 1: in and it's just sent and then you your credit card, use it for your daily expenses and then points. America is a great market for these things and it's very interesting. Also certain status advantages that the credit card with it. Upgradeheroes: America is a great market for these kinds of and makes it incredibly interesting. certain status advantages that the card brings with it. Paybackhunter: It a lot of advantages, if you 3-5 credit cards at And get welcome bonus, but you have the credit card for least a year so that the bonus doesn't go But after a year, can the card. and for new credit cards with a new welcome bonus, for example from another company or like I now green, next time the golden one, then other one, then the platinum variant. Of they cost differently, have different benefits, but you have to it total. So it's not just the one. credit card, but it's much more. But you have to set up this setup first. You have to the credit card approved first. You need in that's what you wanted an Amex history, thank you, exactly, you have least three to six months already Amex credit card and everything has smoothly. And then Upgradeheroes: Historia? In-person participant 1: Three months at least. Upgradeheroes: Three months at least. you Paybackhunter: Now I American credit card and I my membership rewards from a German account to an American membership rewards account. Upgradeheroes: You this global transfer. In-person participant 1: You this global transfer. Upgradeheroes: I'm also in the but I'm only helping from one fat nap to the next. You have to admit that I'm alone, without any course. For me was also certain, I'll just it out, how far I Because you read on the In-person participant 1: I'm also in the but I'm only getting a fat nap. You have to admit that I'm it alone, without any course. For me it was also certain, I'll just it out, how far I Because you read on the Paybackhunter: Yeah, yeah, true stuff. Upgradeheroes: On various pages, many clever or less clever people who express I thought I would just out and started blindly. And yes, I'm still on it. In-person participant 1: On various pages are many clever or less clever people who express I thought I would just out and started totally blind. And yes, I'm still on it. Paybackhunter: I can tell you, it's doable. It's definitely doable. The information is already in Google, chat.jpt, we always want to questions. But you that support. And if I failed somewhere or didn't quite understand one question in the group and I immediately helped. So without advertising too much, but if someone in that direction or has in Upgradeheroes: Mm. In-person participant 1: Hmm. Paybackhunter: Feel to me or and we'll to help or communicate. Upgradeheroes: Exactly. So you have to say, this system is absolutely dynamic. So that too, like all other systems with fixed costs and so on, dynamic, where something change. Such systems dynamic and have to be again and And that's why I have the bad luck that In-person participant 1: Exactly. So you have to say, this system is absolutely dynamic. So that too, like all other systems with fixed costs and so on, dynamic, where something change. Such systems dynamic and have to be again and And that's why I have the bad luck of Paybackhunter: Yo, we out. Upgradeheroes: the first way was not so good and you have to another way. yes, that's not bad. I didn't any rejection. I a certain proof that wasn't accepted. And so at some point, if I the next proof this approval or this... In-person participant 1: the first way was not so good and you have to another way. yes, that's not bad. I didn't any rejection. I a certain proof that was not accepted. And therefore, if I the next proof enough, this approval is... Upgradeheroes: and then you can from the That's not a path that's almost finished. It just a little longer. In-person participant 1: and then you can from the That's not a path that's almost finished. It just a little longer. Paybackhunter: No, that's not the case. Exactly. So, should work. I'm definitely pressing the thumbs. A wise man once also on social media, and I would like to share with you and all listeners. I am... I much focused on payback. Collecting payback points, then transferring My Small, business class travel. That was always my dream. You want to the rich, very relaxed. And not only that I for myself, but especially for my family. I'm so proud of that they little children, too. Luxurious travel in this age, because that's traveled And I actually, also to those who may feel as very typical... Upgradeheroes: Hmm. In-person participant 1: Hmm. Paybackhunter: We host family. We six weeks to Turkey by car. Well, we six weeks. We drove two days to our home country. That's in Kabadokin. There is now social media, all these nice... ...balloons. That's where I from. us it like... ...you But now thanks to social media it's extremely... Upgradeheroes: Ha ha! In-person participant 1: Mmhm, the balloon star. Upgradeheroes: The air balance. Paybackhunter: We we had a of Asians in the country. I just to say, we for two days, two days back. You don't to if we cut, you don't need to if we a seat increase. It was just typical and normal for their fans. Not even my time. Sorry, even that. I out the window and play with my brothers. some games in car. But I want to go beyond Upgradeheroes: an iPad for the entertainment. In-person participant 1: an iPad for the entertainment. Paybackhunter: like I traveled and like my children travel now. That's a difference and that's what motivates to keep going and to for the children. And now I'm back. A wise man told me social media, greetings to Christian, if you hear because Christian once said, it's really cool what you do and especially with Payback you but you only this One way or two ways, one flight, one return flight, that you travel and slowly return. But the seven days, ten days, fourteen days holiday time you on the spot, you are not luxurious. He an example. goal should be that you only business class, but also luxury hotels. This comfort, as you just told, the best food. and the best hotel and here you something for the kids and there you something and yes, that too costs everything but if you check all these hotel programs point how many points I for free nights what do I have do for or how can I my membership rewards to hotel nights I think the first episode was that you said, Myzimor you can miles for your hotels so if you look this perspective again, it actually then you really to the top and That helps me the US credit card in the first case, that I only luxuriously, but also that is now my next goal again, stage by stage, payback, might some more, credit cards, US credit cards. Next comes the hotel programs. If you are busy with then it is really Champions League. Upgradeheroes: What be your Champions League credit card? ⁓ In-person participant 1: What your Champions League credit card? Paybackhunter: I'm not that far away from myself but I follow a of Hilton is one of the frequently mentioned names the Marriott, but then you on a hotel chain and then you to your free nights there. Hilton is not just Hilton. You to say When I of a Hilton hotel, I think... Upgradeheroes: Mm-hmm. In-person participant 1: Mm-hmm. Paybackhunter: rich and bit old, but meanwhile have so not only Hilton, but also many other hotel chains, that belong Hilton, example, to the mother ship, to mother hotel, you can also have night But if you hear things like, well, our destination hotel is, I want to mention clearly Marina Bay in Singapore. And we have to a lot more That costs a night. ⁓ Upgradeheroes: Have I shown? In-person participant 1: Tava'a isho! Paybackhunter: We can break here, alright? The episode is over, guys. Upgradeheroes: That's a long time ago. Can I you a tip? you want there is a secret lift around the corner. don't to pay for that. Then have to the hotel. That's right. In-person participant 1: That's a long time ago. Can I you a tip? you want there is a secret elevator around the corner. don't to pay Then you to the hotel. That's right. Paybackhunter: Yes, but we want to swim and if you want you to a hotel. Exactly. That is our plan and not just to up there in the bar or whatever. We want that once for us. That's the it Guys, goals, pursue them once in your life. We clearly also us, also for example my wife, we voted like what we want to see now and what with Upgradeheroes: Man braucht Ziele. In-person participant 1: Man braucht Ziele. Ja. Ja. Paybackhunter: 50 or 60. What do you when you can really focus? Because something like can be in a higher age, but things where you may still fit. For example, we are now in Los Angeles, Las Vegas, San Francisco we the whole west coast tour with a car and we years ago that she doesn't to at 60. In-person participant 1: Hmm. Upgradeheroes: Yeah. Paybackhunter: It has to be lit and then take the kids with you because it's a trip. And now we think that kids are 6 and 9 in their age who are also participating. Of course, are bit more child-focused and not stuck in the studio for in Las Vegas. But that's just the Upgradeheroes: Yeah. In-person participant 1: Yeah. Yeah. Upgradeheroes: Hmm. In-person participant 1: Hmm. Upgradeheroes: Oh, believe me, he'll like that. In-person participant 1: ⁓ believe me, he'll like Paybackhunter: I was told that the children are to stay. They are allowed through the casinos as family, but they are not to stay legally because they under 18. I think it's even 16. But yes, that's the goal and I like to goals for Upgradeheroes: ⁓ In-person participant 1: ⁓ Upgradeheroes: Okay. In-person participant 1: Okay. Upgradeheroes: Mm-hmm. In-person participant 1: Mm-hmm. Upgradeheroes: Yes, are important for collecting, but also, and I always that, until the first business class flight or until the first solution, it is actually the hardest way. If it is the longest and the hardest way, then the motivation is there, because you don't want any way. And I would say that was the word. In-person participant 1: Yes, goals are important for collecting, but also, and I always that, until the first business class flight or until the first solution, it is actually the hardest way. If it is the longest and the hardest way, then the motivation is there, because you don't want any way. And I would say that was the word. Paybackhunter: ⁓ yeah. Upgradeheroes: not on Sunday. But I would say we close today's podcast ⁓ with I you always good points, good solutions and yes, happy or how can we that? In-person participant 1: Not on Sunday. But I would say we'll today's podcast here. ⁓ I you always good points, good solutions and yes, happy or how can we that? Paybackhunter: Yeah. collect, like, save, ⁓ Upgradeheroes: All right, so in that sense, we'll from Bye! Ciao ciao! In-person participant 1: All right, so in that sense, we'll from Bye! Ciao ciao! Paybackhunter: Andi, thank you