Michael Hutchison: MLM Scammer Behind Incruise Exposed (Update 2024)
Michale Hutchison runs a Ponzi scam called Incruise. The scam has a typical MLM structure you will find in the most notorious MLM scams.
Before you consider doing business with him, be sure to read the following review:
Co-founders Frank J. Codina and Michael Hutchison are in charge of InCruises. Puerto Rico is the base from which InCruises operates through inGroup International LLC.
Who is Michael Hutchison?
Michael Hutchison is the Co-Founder and Co-CEO of inCruises International. Michael Hutchison had previously held the EVP of New Business Development position at BetterTrades.
Michael Hutchison Incruise Product
InCruises promotes a website for cheap travel reservations. Access costs $100 per month. 200 Reward Points are also awarded for every $100 in Member payments. On the inCruises trip booking website, reward points can be exchanged for dollars 1:1. Take note that reward points can only be used to cover 50% of the booked trip.
Michael Hutchison Incruise Compensation Plan
The compensation structure for InCruises pays out on Membership sales. Retail customers or affiliates may be recommended to members.
Michael Hutchison Incruise Affiliate Ranks
The pay structure of inCruises has eleven affiliate ranks. They are as follows, along with their respective qualification standards:
| Affiliate | sign up as an inCruises affiliate and pay $95 every 6 months |
| Marketing Director | generate and maintain $3000 monthly GV |
| Senior Marketing Director | generate and maintain a $10,000 monthly GV |
| Regional Director | generate and maintain a $25,000 monthly GV |
| National Director | generate and maintain a $50,000 monthly GV |
| International Director | generate and maintain $100,000 monthly GV |
| Executive Director | generate and maintain $250,000 monthly GV |
| Board of Directors | generate and maintain $550,00 monthly GV |
| Ambassador Board of Director | generate $1,000,000 in new GV after qualifying as a Board of Directors, and personally recruit at least five International Directors or higher |
| Royal Ambassador Board of Directors | generate $2,000,000 in new GV after qualifying as a Board of Directors and personally recruits at least five Executive Directors or higher |
“Group Volume” is what GV stands for. GV is the total amount of monthly Member fees paid to downlines, including inCruises affiliates’ personal Member fee payments.
Keep in mind that no more than 50% of the necessary GV from any one recruitment leg may be used to determine rank qualifying.
Michael Hutchison Incruise MLM Commission Requirements
Affiliates of inCruises must have paid their $99 six-month membership fee on time to be eligible for MLM commissions.
| One affiliate | within the last 30 days |
| Three affiliates | within the last 90 days |
| Six affiliates | within the last 180 days |
| Twelve affiliates | within the last 365 days |
Michael Hutchison Incruise Referral Commissions
Affiliates of InCruises receive $20 for each Member they refer. Based on the total number of Members referred in a month, this sum may be increased by as much as $60 per Member referred:
| Refer | Duration | Receive (per referral) |
| 3 to 4 Members | in a month | $20 bonus |
| 5 to 9 Members | in a month | $30 bonus |
| 10+ Members | in a month | $40 bonus |
Michael Hutchison Incruise Referral-Matching Bonus
Affiliates of InCruises are eligible for a Referral Matching Bonus if they refer at least one Member each week. The referral matching bonus is given as a 100% match on affiliates who have been directly recruited to earn referral commissions. If the recruited affiliate has personally introduced three or more Members, this is extended to a month.
Michael Hutchison Incruise Ranking of residual commissions
| Qualify at | Receive(in a month) |
| Marketing Director | $300 |
| Senior Marketing Director | $1000 |
| Regional Director | $2500 |
| National Director | $5000 |
| International Director | $10,000 |
| Executive Director | $25,000 |
| Board of Directors | $55,000 |
| Ambassador Board of Directors | $155,000 |
| Royal Ambassador Board of Directors | $255,000 |
Residual Commissions (Member fee payments)
If they refer/hire five Members, the Marketing Director and higher-level affiliates are eligible for Member fee residual commissions. The unilevel compensation system is used to distribute residual commissions from member fees. An affiliate is put at the head of a unilevel team in a unilevel pay system, and each affiliate they recruited is positioned immediately under them (level 1):
New affiliates brought on by any level 1 affiliates are added to the original affiliate’s unilevel team at level 2. If any level 2 affiliates bring on new affiliates, they are promoted to level 3, and so on down a theoretically endless number of levels.
Every recurrent monthly downline member fee payment receives $5 in residual commissions (nothing is paid on the original member fee payment). Rank determines how many unilevel team levels of member fee residual commissions are paid out downward:
-Member’s fee residual commissions are paid to marketing directors across two unilevel team levels.
-Over five unilevel team levels, Senior Marketing Directors get Member fee residual commissions.
-Over 10 unilevel team levels, National Directors receive residual commissions on Member fees.
-Over fifteen unilevel team levels, Executive Directors receive residual commissions from Member fees.
-Twenty unilevel team tiers of member fee residual commissions are paid to the Board of Directors and higher-ranked affiliates.
Michael Hutchison Incruise Builders Base Bonus
Higher-level marketing directors are eligible for the builders’ base bonus. On the “Builders Base Volume” of the downline, the Builders Base Bonus is paid. Builders Base Volume is the total amount of membership fees collected by affiliates who have been individually recruited and are at the international director level or lower.
| Generate (Builders Base Volume) | Receive (Builders Base Bonus) |
| $5000 to $9999 | 5% |
| $10,000 to $29,999 | 10% |
| $30,000 or more | 30% (capped at $30,000) |
It should be noted that inCruises applies extra complex criteria to lower the actual Builders Base Bonus handed out, as opposed to simply paying out the aforesaid qualified sums.
An inCruises affiliate must have at least 100 Members in their downline and have qualified for MLM commissions within the last ten months to be eligible for Historical qualification.
Historical qualifying is predicated on the assumption that an affiliate has at least 100 Members in their downline overall during the last ten months.
Throughout these six months, each newly referred or recruited Member counts toward the 10% qualification for the Builders Base Bonus.
For instance, an affiliate is only eligible for 10% of the earned Builders Base Bonus if they have only successfully referred or recruited one Member in the last six months.
To be eligible for the entire Builders Base Bonus during a rolling six-month period, ten referred or recruited Members must join.
An inCruises affiliate must not meet the requirements for Historical qualification to be eligible for month-to-month qualification.
In this case, the six-month referred/recruited member percentage calculation is kept but the historical qualification conditions are removed.
Michael Hutchison Incruise Fast Start Bonus
In place of the customary $300 rank-based monthly residual reward, an inCruises affiliate who qualifies for Marketing Director in their first full month will instead earn a one-time $500 Fast Start Bonus.
Joining Michael Hutchison Incruise
Affiliate membership with Incruises costs $95 every six months. Member fees bring the total to $215, and after that, there is a monthly payment of $100 (plus $95 every six months to retain affiliate membership).
Michael Hutchison Incruise Conclusion
In Russia and Poland, inCruises has received regulatory attention for the pyramid scheme. Following the corresponding cautions, inCruises recruitment fell off in both nations. Take care when approaching.
My wife passed away on the 2nd June 2023. I am trying to get a response them them that is reasonable. Despite me sending the death certificate and a copy of my passport, which they requested, they have no empathy. They are extremely uncaring and now is dated, 23 October. 2023. I will be looking for this man. seriously I will, if he does not give a favourable reply. This is the 4th letter I have sent.
Dear InCruises Team,
I would like to draw your attention to Section 6 of the submitted death certificate, where it is explicitly stated that Oksana Laba was the wife of Anthony Duffy. This section clearly establishes my relationship with Oksana Laba as her husband. I am seeking your assistance to address the matters related to her InCruises account.
To further support the proof of our relationship, I have reattached the death certificate, highlighting the relevant section for your reference.
Thank you for your understanding and cooperation. I look forward to your prompt response to proceed with the necessary steps to address Oksana Laba’s InCruises account.
Sincerely,
Anthony Duffy.
My name is Anthony Duffy
Beware they wont refund my moneyI am writing to express my deep disappointment and frustration regarding the constant refusal of my refund request. As someone who has suffered a heart attack and is battling multiple challenging medical conditions, I find Incruises’ lack of compassion and understanding to be extremely exasperating, exacerbating my already difficult health conditions.
The sum of approximately $5000 that I invested in Incruises is not a trivial amount for me and my family. It represents our means of survival, especially considering the additional burden caused by my wife’s job loss and the impending threat of losing our home. Under these circumstances, I implore you to escalate this matter immediately to someone with the authority to address my concerns and grant the refund that is rightfully due.
I will not rest until this issue is resolved, and I am treated with the respect and consideration that every customer deserves. The alterations made to your terms and conditions, seemingly to benefit the company at the expense of its vulnerable customers, only exacerbate the feelings of betrayal and disappointment.
I kindly request the correct email address of your CEO, as I believe it is crucial for them to be aware of the situation and the impact it has on customers’ lives. I intend to bring this matter to their attention and hold Incruises accountable for their actions.
I expect a prompt response and resolution to my refund request. Failure to address this matter adequately will only intensify my resolve to explore all available avenues to seek justice. My health conditions may present challenges, but they also grant me the strength to fight for what is right.
I await your prompt action and the CEO’s contact details.