Yeah the points doesn't make sense. You don't earn much flying economy, and even premium cabins can take several trips to build up enough for long haul flights.
She would have to be spending many 10s of thousands on her credit card
I have had the virgin credit card, the Barclaycard Avios Basic (downgraded from premium) and BA Amex. I also have the amex platinum (charge) and have in the past had the Marriot and the Amex Gold.
Everyone has an insane APR. These are not cards that you want to keep a balance on.
Let's do a bit of a deep dive specifically on the Virgin Card.
Cost: £160 PA ( No pro rata cancellation)
Bonus for Joining: 18,000 Virgin Points. (I'm unsure how many times you can get the bonus - if it's a 2-year no-card requirement like Amex or a once-in-a-lifetime deal).
Reward: 10,000 spend a year - you can either get an upgrade voucher or a companion voucher. Virgin differs from BA in the sense that you can upgrade a cash ticket. Companion tickets do have limits if you are in Virgin Red but not Virgin Silver (which Vick likely is)
You earn 1.5 x points for spend and 3 x virgin spend.
You can only earn up to your spending limit even if you pay it off - so if you have a 3k a month spending limit you will only be able to earn 4500.
Unless she has several cards i don't think she is doing all this through reward cards.. we had just enough for companion premium economy for free when we paid cash for my partner's premium economy seat. I don't think she is earning enough for Amex and I've never seen her use the lounge at Heathrow.. I think even if she had the gold she would make use of the 2x lounge visits a year.
Virgin does have quite generous point earning in premium economy - so maybe its a combination of both. But it is actually work to effectively manage credit card churning, determining what cards are valuable what aren't. SoI dont think she would
How original!
Remember when Adam Hattan tried to do this and quickly gave up?
And Danny Dalimore just started.
I cant see why anyone would use them? How hard is it to book a Disney trip? All you need is flights, hotels and park tickets, so many packages exist that even the thickest of people can do it.
A travel agent would also have a good feel for what to do around the area, she only knows Kennedy Space Centre
Also, how is this going to work when she is an affiliate for disneyholidays.co.uk ?
It depends - is it UK style or US Style?
Travel agents in the states can get some really good deals and they are expected to do all the work - book dining when fast passes were a thing log on and book them, and arrange transport.
I didn't use Virgin First Mate for our Virgin Cruise and I'm regretting it because they can get you up to $600 onboard credit - not possible to add one now as we have a guaranteed room.
I can't see her doing the actual level of expected work - its only going to take one family of 4 staying at the poly who complain that she prevented them eating at Ohana and CRT because she didn't bother booking them in on time.. before they drop her. Not worth it to them to lose a 15,000 client, for free advertising on her Instagram.
---
I watch a lot of anti mlm content.
Adventures by you - are 1000 percent an MLM and not only that it looks like a shady one.
1) You have to buy a starter pack.
2) You have to pay a monthly admin fee to keep your website going.
3) you have mandatory training (ie brainwashing)
On their site, they state that you are not in a network marketing scheme as a travel agent. But you can become an affiliate ( and they downplay it as a refer-a-friend). Which is network marketing. This is likely where you make the most 'bonuses'
The thing that concerns me most is there is no income disclosure statement, and no disclosure of what points 'when you refer' actually gets you.
Honestly, it was only a matter of time before she got sucked into one of these. I'd be concerned that she was going to sink all her money into this waste of time but its only going to take her upline one time telling her to push herself, does she really want this - before she gives up anyway.