Well this is a bit embarrassing, I was looking at my account last night and saw that I joined up over 3 years ago and have not made a post. I hope to be a better contributor in the future. Firstly thanks to the wonderful members of AFF who I have learnt so much from. In particular the tips I learnt with the Amex Explorer card (I did use a referral link from an AFF member) have helped me earn many more points than I would have without AFF. I delinked my explorer card from the accent program to get bonus points and than relinked later back to the Accent program and now get a least two Amex points for every dollar I spend. This has enabled me to have enough points for myself and my partner to travel business class on Singapore Airlines next year to Europe. We are flying to Copenhagen and returning from Zurich. Thanks again to this wonderful community.