What to do with a defunct Citi Hilton card? + MORE Dec 20th

If you have a Citi Hilton Visa card, is it worth keeping it when it switches to American Express?

RovBOT co-founders, from left to right, Ruhi Madiwale, Dhivya Jayaraman, and JeyaBalaji Samuthiravelu work in the Shiftkey labs at Dalhousie University where they share the space with other companies. (Photograph, Darren Calabrese)
Imagine you’re Ruhi Madiwale, a young Indian who’s been accepted to a prestigious Canadian post-secondary institution—say, Dalhousie University. Before you can head to Halifax for frosh week, there’s one crucial piece of paper you need to acquire: a student visa. The cut-off time for receiving applications at the local immigration processing centre is 4 p.m., but you have a question about how to complete one of the forms. A student advisor at Dalhousie might be able to help you, but it’s 6:30 a.m. in Canada. “My deadlines were over even before the day started [in Canada],” says Madiwale. “[And with visas], one single mistake in your documents and you end up being rejected.”
Advisers at the university spend as much as three-quarters of their time tackling visa-related questions, according to Madiwale…

RovBOT co-founders, from left to right, Ruhi Madiwale, Dhivya Jayaraman, and JeyaBalaji Samuthiravelu work in the Shiftkey labs at Dalhousie University where they share the space with other companies. (Photograph, Darren Calabrese)
Imagine you’re Ruhi Madiwale, a young Indian who’s been accepted to a prestigious Canadian post-secondary institution—say, Dalhousie University. Before you can head to Halifax for frosh week, there’s one crucial piece of paper you need to acquire: a student visa. The cut-off time for receiving applications at the local immigration processing centre is 4 p.m., but you have a question about how to complete one of the forms. A student advisor at Dalhousie might be able to help you, but it’s 6:30 a.m. in Canada. “My deadlines were over even before the day started [in Canada],” says Madiwale. “[And with visas], one single mistake in your documents and you end up being rejected.”
Advisers at the university spend as much as three-quarters of their time tackling visa-related questions, according to Madiwale…

As a freelancer, I always keep my receipts since I can claim many things for taxes. But there’s an argument to be made that everyone should keep their receipts. Receipts are provided to prove you’ve paid something. If you have a dispute about something, those receipts could mean the difference when making your case.
When it comes to travel, these receipts are especially important since it won’t be easy for you to contact merchants later if you have a dispute. It’s not just receipts from purchases you need to keep, you also need to hang onto on your boarding passes. Confused? Let me explain.
Keeping boarding passes
Many people choose certain airlines or routes because it allows them to collect loyalty points. Sounds pretty straightforward, but what happens if you didn’t receive credit for your journey? Logically, you would just call the airline and get the points applied to your account, but it’s not that simple. To get your points, you need to have completed that journey. Even though you clearly checked in, some airlines may still investigate your claim before awarding you your points…