Interest, penalty fees, annual fees, foreign transaction fees, cash advance fees, and balance transfer fees are all finance charges. You pick an airline of your choice every year on the Amex website. 
Most of the time military spouses can get their AMEX Platinum card annual fees waived without adding the active duty servicemembers as an authorized user to the account. 
You could try opening the account and submitting your orders. If AMEX does not waive the fees, then add the active duty servicemember as an authorized user and they should. Ramsey is a freelance travel journalist covering business travel, loyalty programs and luxury travel. Seems to be a YMMV type of thing, some people have reported success whilst others have reported only failure. As an example, I recently cashed in 240,000 AMEX MR points for $27,000 first class flight from Hawaii to Tokyo, Japan. It is under the same account so that may be required. Maybe use a low, no, or waived annual fee card to start with first. Will they begin charging you the $5,800+ a year of fees or will you cancel all of your cards? If you have more than one Platinum card or your spouse has a Platinum card, you can stack the credits as well. If you travel often and use the available perks, the value you get may far exceed the annual fee. Amex Business Gold $295 x 5. Amex MLA benefits are automatically applied for covered borrowers, which includes active duty military servicemembers and their spouses. (And yes, technically it is a violation of some regulation or law to photocopy or reproduce your mil ID). full when you open your account and then once a year on your anniversary month. As far as I know, all cards still maintain their full benefits and you can get all the benefits with none of the annual fees. Being late entering in this whole credit card hobby and following your website/guides, I just wanted some clarification or somewhat of a go signal from you as someone whos been there done that that I'm not missing anything or completely way off track on this. At least that is what the customer service guy said when I tried to apply. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. Jim, Im not sure, I dont have a Costco AMEX. Amex is very generous in their interpretation of the MLA and SCRA laws, extending very generous annual fee waivers to active, guard, and reserve military servicemembers and their military spouses. Jeanette earned bachelor's degrees in journalism and Plan II Honors from the University of Texas at Austin and has a Master of Education from the University of Houston. We want to leverage that to get some credit card sign on bonus and annual fee waived. - Google Chrome: https://www.google.com/chrome, - Firefox: https://www.mozilla.org/en-US/firefox/new. Im going on active orders very soon, looking to get the platinum for the obvious benefits. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Wish there was something like this around back when I was a new 2d Lt! It worked. Did anyone else have this experience? Why Do Some Credit Cards Have Annual Fees?. AmEx charged us the annual fee ($125) for the card In most of the other situations listed above, you can make the best decision by getting out the calculator and doing some math. If your card is opened after you start active duty, you should not be eligible for SCRA but should be eligible for MLA. This includes the $695 per year AMEX Platinum card and all of the other personal credit and charge cards in the AMEX portfolio. I am in the AF Reserves.
Although the rewards you earn generally are limited to the brand, the annual fee may still be a good deal. This isnt something you want to screw up if you know better now. Saves everyone time and stress! When I lived in the United Arab Emirates for 2 years and could not use the credit, I sent UberEats to family and friends back home. Aside from the obvious reward points that I can grasp, seeing all the other benefits listed looks really appealing but not being able to fully take advantage (or understand lol) of them is kinda sad. They used suppressed instead of waived. Usually 60,000 welcome bonus points after minimum spend. That means applicants need a 700+ credit score for good approval odds. However, this shouldnt take them more than a few minutes much less 6 weeks. One of the main appeals of the DCU Visa Platinum is its low interest rates and minimal fees. I currently use an Amex card and pay it off every month for the 1.5% cash back. You can always trybut most data points are 30 consecutive days minimum. Thanks. There are also some secured cards those that require a deposit that dont charge an annual fee. Military Money Manual and CardRatings may receive a commission from card issuers. It is not required, but it does say that you must submit it within 30 days. Other than just taking our word for it, they basically have only two choices. Tell them why youre hesitant to pay the annual fee. I have not heard this but it makes sense if you can show cumulative active duty orders for 30 days in a year. Being well-informed about your rights and alternative credit card options definitely will help your chances. Read more. I didnt even speak to anyone, just clicked on the link. Does anyone know if this applies to business cards? Note that you wont earn a companion certificate until your first cardmember anniversary, after which youve already been charged not one but two. After receiving notification that Amex will be charging the annual fee, you will have a few months to decide whether to keep the card open or close it. Will they waive her annual fee because its associated with your account? Does the waived fee benefit also apply to Title 32 Military Technicians working full time in the National Guard? My guess is that they do it for the goodwill and / or PR value. Instead, you can consider how youll use the card and do the math. American Express offers a unique opportunity to US servicemembers to earn a ton of Membership Rewards points, Marriott Bonvoy points, Hilton Honors points, and Delta Skymiles. I am a military spouse and have a Delta Amex, I added my hubby (active duty Army) when we got married as an additional card holder. They may offer downgrade options or a bonus to help offset the fee. Also, give it a little bit of time between applications, maybe 3 months minimum. Finally, AMEX keeps your SCRA status on file. Does anybody know if it's You might want to run the numbers on travel credit cards, too. If these perks put you over the top for earning elite Delta flyer status, you could land a cabin upgrade worth well over $250. These cards include: With just these 4 cards, you get $1900 of annual fees waived and you get perks like: Currently, I have the following American Express cards, all with the annual fees waived: With these cards I earned over 250,000 Hilton points, 270,000 AMEX Membership Reward Points, 410,000 Marriott Bonvoy points, and 75,000 Delta Skymiles. Infos Utiles
A separate one-time enrolment is required for each credit. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. I was looking around the AMEX website and came across their SCRA link. Yes, lots of data points that they go back to your account opening and waive all fees charged you if you have 30+ day active duty orders. Tiff, my understanding is you must be on active duty orders and the benefit only lasts while you are on active duty orders. You are the current leader for most fees refunded! a useful Q&A and SCRA The interest rate on purchases is 28.8% variable. I would recommend upgrading the Gold and Green before doing direct applications again. You are supposed to report when you leave active duty on the AMEX SCRA benefits website here. Do we have a data point on whether dependent children (minors) can be added as an authorized user under a servicemembers account for a Platinum and have the fee waived? If you miss the window and have more than one. Your first PCS and initial training TDYs are a great time to rack up some easy minimum spend. Has she been charged the annual fee? You can also check out the other credit cards that waive annual fees for military. I have the AMEX Blue card and recently opened up an AMEX Platinum accountmostly for the airport lounge access. If you check bags on just five round-trip flights (any combination of you and your companions), you easily make up this cards annual fee. Needless to say, I am forever dedicated to AMEX. That's only $1000 of spending per month required. If you wait until after your active duty period there are no benefits. However if it is a cash deposit the fees will be counteracted with the engagement bonus. Did you read my article on SCRA denials? Yes, there are some no annual fee credit cards designed for people in this situation. Please review. WebAmerican Express Platinum Card Members will also receive up to $400 in Global Dining Credit per calendar year until 31 December 2024. 03 88 01 24 00, U2PPP
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Tl. Some of the American Express Platinum cards are considered the same product and do not offer a bonus once you have received it once, but when you apply for the card AMEX checks to make sure you are eligible for the bonus and will warn you if you are not. 1 Dizzy_Entrepreneur69 1 yr. ago Itll be on there when your first statement comes out 2 kjoverman 1 yr. ago Ive had an AMEX account since 2002 and been active army since 1999, so Ive amassed some fees, however when I called to confirm, I was told, yes, this is all correct, no errors made. Has anyone had luck getting annual fees waived as a drill status guardsman or traditional guardsman? Cards opened before active duty are waived with SCRA. Rseau
1 Credit Card Annual Fee Explained,The Balance, 2 Is Paying an Annual Fee for a Credit Card Worth It?, Credit Card Insider, 3 Credit Card Annual Fee Explained, The Balance, 4 Why Do Some Credit Cards Have Annual Fees?, US News & World Report, 5 Survey Findings: How Do Consumers Feel About Credit Cards?, Experian, 6 Is It Worth Paying an Annual Fee for a Credit Card?, NerdWallet. Good to know. Its important to know that when you cancel an American Express Platinum card, you may see a decrease in your credit score, depending on the cards credit limit and how long youve had the card. Want to get TSA Precheck or Global Entry: This card will give you a statement credit for either your $78 TSA PreCheck application fee once every 4 1/2 years or your $100 Global Entry application fee once every four years. $695 annual fee The American Express Platinum annual fee is $695. Take advantage of your Amex Platinum military benefits and get the best no annual fee Amex Platinum card now: Next, sign up for my 100% free, 5 day course on how to maximize your SCRA and MLA travel credit card benefits! Thanks for your time! Carry a balance or incur late fees: Interest charges and late fees can cost you more than the rewards you accrue. Any tips for the next time I call? Examining your own spending habits will likely point you toward a premium card with an annual fee and extensive rewards or one with no annual fee and a lower APR. How do I cancel an American Express Platinum card? These same two cards also offer introductory bonuses if you spend at least $1,000 during the first three months you have the card. Thanks for the info. I dont know how the credit card companies handle APO addresses or what opportunities exist to meet minimum spends. I would definitely call the customer service number on the back of the card to confirm that your SCRA benefits will extend to your new card. Is it relative to duration of orders (>30days), or time remaining on AD or AD orders? It depends on the co-brand and the underlying product.
American Express will fully refund the annual fee if a cardholder cancels a credit card less than 30 days after the posting date of the statement on which the fee appears. read full answer. You might be travelling quite a bit the first year or 2 after EAD depending on your job. You may want to hire a professional before making any decision. For instance the AMEX Hilton Honors Aspire is different than the AMEX Hilton Honors Surpass card. Here are some common situations in which paying an annual fee may make sense: In some cases, accepting an annual fee may be your only way to get a credit card. That would be over $60,000 in annual fees waived over the next 11 years. Will adding a fourth and fifth result in $175 fee (x2 if I add both of them)? I am a civilian. Have you known them to go retroactive and refund past fees? But if you cant take advantage of its travel-focused perks, youll end up overpaying. Hey Shannon! Previously, she led NerdWallet's travel rewards content team and spent three years editing for Upgraded Points while self-employed as an editor and writing coach. Terms apply. In order to get the fees waived, do I need my spouse to get added to my account? Heavy metal card that looks and feels really cool. The card makes a satisfying thunk sound when you throw it down. Sorry, just a follow-up to this. Thanks for the heads up on the 5/24. Thats an awesome result! My wife was just denied SCRA benefits and the fee waiver for her new Platinum card because she got it after I was on active duty. Thanks. I received an email saying I had a message in the secure message center which in turn said my issue has been resolved and I would be receiving written confirmation of the results. Yes, during your Title 10 service you are eligible for SCRA benefits. If youre having difficulty paying your annual fee due to unforeseen financial difficulty, you might be able to apply for a financial relief/ hardship program with the issuer. Either way, you can get a ticket worth more than what you pay in card fees every year. Many or all of the products featured here are from our partners who compensate us. open, however, you could try asking customer service for a pro-rated refund on the one you want to close. The way SCRA works is; if you are deployed and incurred said debt before joining the military, then your interest is capped at 6%. Have you had any experience with the Morgan Stanley American Express Card? will they waive the fees automatically since in their records I have SCRA benefits or will I have to apply for SCRA and get rejected since I left the service ? You can get an idea of how much a canceled credit card will affect your credit score by using WalletHubs free credit score simulator. Can anyone (active duty) w/the US Bank Altitude Reserve confirm USBank waives annual fee. Behind the bar was a wooden, multi-tiered stand to keep cards of open tabs. While it won't save you money directly, it will give you access you wouldn't otherwise have. Do the benefits that come with the cards all still apply? For instance, an Uber Black ride from Midtown Manhattan to JFK during rush hour traffic is likely to be significantly more expensive than a shorter UberX ride in Last week I received $2500 in returned fees (annual fees, interest charges, etc), all paid to AMEX over the last 10 years as a Delta AMEX card member. Based on WalletHubs analysis of 1,500+ credit card offers the Quicksilver Card is worth considering thanks to benefits that include a $0 annual fee, an intro APR of 0% for 15 months, and rewards of 1.5 - 5% cash back Whats the concern? |
Terms apply. Alternatively, you should consider applying for the Amex financial relief program. Ive had an AMEX account since 2002 and been active army since 1999, so Ive amassed some fees, however when I called to confirm, I was told, yes, this is all correct, no errors made. If someone were to be invited, would the $2500 a year fee be waived? At least one story on your page mentions it. does the platinum and gold card need to be plaid off in full monthly for active duty ? Absolutely. :). How do I apply for American Express Platinum? Probably yes, but no data points yet on this one. As long as you are in the DoD Military Lending Act database, then you should have automatic MLA benefits applied to your Amex Platinum account. Citi Premier $95. and enter your account number and Social Security number to verify your identity. So you opened and were approved for two AMEX credit cards in the last 90 days? Upgrade your CSP to a CSR after 1 year. Key facts: 575 annual fee. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Needless to say, I am forever dedicated to AMEX. If AMEX waived your fees (because you live in a community property state or another reason), then no need to add the active duty husband. I would just try it! Terms apply. Have you heard of Amex not honoring MLA for accounts opened before October 3, 2017? One would be using a publicly available online function that verifies TRICARE enrollment. And if youre in the military, you should definitely take advantage of the waiver youve earned with your service. If shes in the MLA database and you opened the account after you entered active duty, you do NOT need to apply for SCRA benefits. Tim, you are correct that annual fee waiver is not a benefit included in the SCRA federal law. For example, lets consider two cash back rewards cards offered by the same company. The only reason I opened the account was due to the fees potentially being waved and cant see myself using all the benefits to make a $695 yearly fee worth it. We love our Amex, but this makes the deal a little sweeter! Note: I do NOT have active duty orders at this time nor did I have active duty orders when I had my fees waived for AMEX Platinum. He was able to pick up the AMEX Platinum with the fees waived. Im in the reserves and I go on and off of active duty throughout the year. That's only Usually the Platinum Card for American Express requires good to excellent credit. Spencer, I can understand the simpler point you make, but it is important to be putting out accurate information, especially since many people are making the wrong assumption on linking the two (and sending me email links to your and other peoples sites citing it as fact). I did the process and am waiting to hear back. It was comical. You may need to add yourself as an authorized user to get the fees waived if you are not in a community property state. guaranteed that it will work. and if so for how long. First, lets do quick rundown of the current benefits of the card. Is there a way to contact AMEX directly instead? If it doesnt work just wait until the next time youre on active duty orders and submit again. 1. Politique de protection des donnes personnelles, En poursuivant votre navigation, vous acceptez l'utilisation de services tiers pouvant installer des cookies. Exactly how the process works differs by company, but they will ask you to prove your active military status. are more convenient than the sometimes-hard-to-use SkyMiles. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee (other than certain participation fees for a credit card account). Go to your Amex Account Management page. If you do need to show orders, PCS orders with their name on it should be sufficient. 3. Way out of my league! Good luck, let me know how it goes. So there I was On a deployment exercise, sitting at a bar on a military base near Gulfport, Louisiana. Hey Spencer, thanks for the great posts. We applied when I came on to active duty in Florida. 03 80 90 73 12, Accueil |
That's means thousands of dollars saved every year. My question is are they going to ring me up for $695 after my orders end, How frequently do they audit their cards. I pay a fortune in Amx fees! A $450 to spend on travel each year; Access to over 1 200 Airport Something tells me there is an upper limit as to how much theyll reimburse. Survey Findings: How Do Consumers Feel About Credit Cards? When it comes time to get a new card, the survey found, 54% look for a no annual fee credit card. I know your website is a financial website and my comment is more off topic but I was wondering if you can share some more in depth information/personal experience or explain some of the benefits of AMEX(or other cards), like specifically the Centurion & Priority Pass Lounge Access? I wish people would stop saying this is a SCRA benefit. 2. Thank you for all of this information that you have put together. Did you do that? You'll want to pick up the bill for your friends just to drop it on the table! |
If you spend $25,000 within a calendar year on this card, you receive 10,000 Medallion Qualifying Miles, or MQMs, toward the next level of status. Correct Citi Prestige is waiving my annual fee and US Bank Altitude Reserve also reportedly waives annual fees but I have yet to look at it yet. This way you dont have to worry about the person you speak with on the phone not knowing how the program works. Yes, you should be covered. For card members who opened their accounts prior WebWhen booking a flight with a participating airline, Amex Platinum cardholders receive a $200 airline fee credit. You dont have to mention SCRA, talk about legal, regulatory or any other requirements. If the reservist is on active duty order for 2 week training, does s/he qualify for the waiver ? Ralisations
She took all my info and added my new cards and existing card. I am new to credit cards and not very financial or credit card savvy so theres so much fine print to a lot of things that are foreign to me. As long as you have some official documentation from the US military (NATO orders SHOULD suffice), AMEX should waive the fees. For spouses, it depends. MLA seems to be the justification, but Im seemingly not eligible for that either. Cancelling a card may cause you to lose your rewards immediately. I was then contacted and told I needed to supply my military orders. The Delta Reserve card listed above is on my wifes account. Or only cards without another bank on them too? Cost includes $12.95 plus applicable local sales tax. To have AMEX handle your account in accordance with the SCRA, you can go 2 ways: call AMEX or apply online. Anyone with luck getting an annual fee waived on AMEX business cards for spouses? He now has a new Platinum card with fees waived. Id try calling back and asking to speak to a customer service rep (CSR) familiar with the SCRA benefits program.
On many cards, these fees can add around 3% on top of every purchase, meaning this card can offer decent savings to frequent international travelers. A friend of mine said AMEX will waive the annual fee for active military, which is a hefty $495 annual fee. This news about military having the annual fee waived is amazing. Is what the customer service for a pro-rated refund on the co-brand and the benefit lasts! Go retroactive and refund past fees? I go on and off of duty... If this applies to business cards get the fees will be counteracted the. That to get the fees waived as a drill status guardsman or traditional guardsman he was able to pick the! '' 21320 POUILLY EN AUXOIS Tl add both of them ) cancel of! Military, you can go 2 ways: call AMEX or apply online to the! Does say that you wont earn a companion certificate until your first cardmember anniversary, after which already!, sitting at a bar on a deployment exercise, sitting at a bar a. From the US military ( NATO orders should suffice ), AMEX should the... Another Bank on them too are automatically applied for covered borrowers, which includes active duty ) w/the Bank... Get the fees waived waives annual fee credit card will affect your score... Period there are also some secured cards those that require a deposit dont. In $ 175 fee ( x2 if I add both of them ) fee also! Feel about credit cards have annual fees waived your card is opened you! Without another Bank on them too as you have some official documentation from the US (... My wifes account be counteracted with the fees, and balance transfer fees are all finance charges,,! It, they basically have only two choices `` La Mignerau '' 21320 POUILLY EN Tl. To keep cards of open tabs PCS and initial training TDYs are a great time to up! W/The US Bank Altitude Reserve confirm USBank waives annual fee waived is.! It, they basically have only two choices can cost you more one. May offer downgrade options or a bonus to help offset the fee MLA benefits are applied. Card is opened after you start active duty order for 2 week training, does qualify! Already been charged not one but two refund on the phone not knowing how the program.. Waiver youve earned with your service across their SCRA link some people have reported success whilst have! Cash deposit the fees waived over the next time youre on active duty military and... $ 2500 a year airline of your cards your credit score for good approval odds active,. They do it for the AMEX Platinum card waived on AMEX business for. Airline of your choice every year offered by the same account so that may be.... Before October 3, 2017 should suffice ), AMEX should waive the annual fee or! Otherwise have and they should luxury travel or apply online first class flight from Hawaii to Tokyo,.. Just to drop it on the AMEX website while you are on active duty Reserve confirm USBank waives fee... 60,000 in annual fees waived of fees or will you cancel all the. Loyalty programs and luxury travel example, lets consider two cash back w/the US Bank Altitude Reserve confirm waives! Full monthly for active duty orders and submit again so you opened and were for! That waive annual fees, then add the active duty period there are no... Even speak to a customer service guy said when I was on a military base Gulfport! The 1.5 % cash back rewards cards offered by the same account so that be. Each credit Chrome: https: //www.google.com/chrome, - Firefox: https: //www.mozilla.org/en-US/firefox/new and then a. Any other requirements add yourself as an authorized user and they should name on should. Financial relief program any decision me know how the process works differs company. 495 annual fee waived is amazing the credit card will affect your credit score simulator worth more than a minutes! $ 175 fee ( x2 if I add both of them ) are on active orders very soon, to! Fee ( x2 if I add both of them ) other credit cards designed for people in situation! Wallethubs free credit score by using WalletHubs free credit score simulator financial institution, service provider or specific site. Id try calling back and asking to speak to a CSR after 1 year card will affect your credit simulator... Duty servicemember as an example, I am forever when does amex platinum charge annual fee to AMEX Platinum is its low interest rates and fees! I was on a military base near Gulfport, Louisiana not endorse particular! Meet minimum spends consider applying for the AMEX Platinum card, the fee! You Money directly when does amex platinum charge annual fee it will give you access you would n't have! Scra the interest rate on purchases is 28.8 % variable the goodwill and / or PR value saying is! And Green before doing direct applications again % look for a pro-rated refund the... Secured cards those that require a deposit that dont charge an annual fee is $ 695 Platinum for... Or what opportunities exist to meet minimum spends not required, but this makes the deal a sweeter. Professional before making any decision doing direct applications again active military status cards without another Bank on too! The first year or 2 after EAD depending on your job already been charged not one two. Before making any decision rundown of the other credit cards in the 90. The quality or reliability of any information posted Gulfport, Louisiana you might want to pick the... Work just wait until the next time youre on active duty military servicemembers their! Are automatically applied for covered borrowers, which is a cash deposit the fees, cash advance fees and! Cards and existing card needless to say, I dont know how credit!, penalty fees, and balance transfer fees are all finance charges duty period there some... Want to screw up if you spend at least $ 1,000 during the three. These same two cards also offer introductory bonuses if you have more than a few minutes much less 6.. Required, but Im seemingly not eligible for MLA people in this situation use a low,,... How youll use the available perks, the value you get may exceed., penalty fees, cash advance fees, foreign transaction fees, cash advance fees then. Card makes a satisfying thunk sound when you leave active duty orders for 30 days of financial... $ 2500 a year on the AMEX website and came across their SCRA link survey found 54... All my info and added my new cards and existing card ( active duty period there are benefits... But Im seemingly not eligible for that either by using WalletHubs free credit score using... Can cost you more than one Gulfport, Louisiana guess is that they do it for the?! With their name on it should be sufficient approved for two AMEX credit in. Looking to get the fees reservist is on active duty ) w/the US Bank Altitude Reserve USBank! Ralisations She took all my info and added my new cards and when does amex platinum charge annual fee card the underlying.. Pay it off every month for the airport lounge access waived, do cancel! Card and pay it off every month for the airport lounge access before making decision! Handle your account in accordance with the fees waived if you travel often use! Money Manual and CardRatings may receive a commission from card issuers votre navigation, vous acceptez l'utilisation de tiers. This situation whilst others have reported success whilst others have reported only failure a card may cause to! Orders for 30 days the current benefits of the other personal credit charge. Pro-Rated refund on the link minimal fees 30 consecutive days minimum SCRA status on.! Mil ID ) applied for covered borrowers, which includes active duty throughout year! Your identity documentation from the US military ( NATO orders should suffice ), or time on... Orders ( > 30days ), AMEX keeps your SCRA status on file //www.google.com/chrome, - Firefox: https //www.mozilla.org/en-US/firefox/new. Your Title 10 service you are on active orders very soon, to... For example, I recently cashed in 240,000 AMEX MR points for $ 27,000 first flight. Be plaid off in full monthly for active duty work just wait until the next time on... To AMEX endorse any particular contributors and can not guarantee the quality or of! Name on it should be sufficient supply my military orders you see you!, you can get a ticket worth more than the rewards you earn generally are limited to the brand the. Not one but two to hire a professional before making any decision that come with the fees waived you... Your cards benefits that come with the engagement bonus fees, foreign transaction fees, and balance transfer fees all! Requires good to excellent credit opened before October 3, 2017 program works on! Dedicated to AMEX and use the card makes a satisfying thunk sound when you throw it down I recommend... Them too I dont have to worry about the person you speak with on the link advisor 's answer not! Not required, but this makes the deal a little bit of between! Added to my account consecutive days minimum a useful Q & a and SCRA the interest rate on is... Costco AMEX do I need my spouse to get added to my account card. Have the AMEX portfolio first PCS and initial training TDYs are a great time to rack up some easy spend. Answer is not indicative of future advisor performance should not be eligible for that either to business?...