Author Archive: Geo

Guide to the FICO Credit Score

Introduction A credit score is a three-digit number that represents “creditworthiness,” or the degree of perceived risk a lender is assuming by providing an individual with credit.  A credit score is generated through a statistical analysis of a credit report based on five primary factors, including payment history, amount of outstanding debt owed, length of credit history, types of credit,…
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10k AmEx MR Per Account with Pay Over Time (Non-Unique Link + Offer Code)

  [2019/03/13 Update] – I just received another mailer for a Business Gold card with a new link to try if you have been unsuccessful enrolling thus far. AmEx is sending out physical mailers for a promotional offer where charge card holders can earn 10,000 MR points per account by enrolling in the  “Pay Over Time” feature. There are no additional…
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Guide to Shopping Portals: Earn Extra Cashback and Miles with Everyday Spend (2018.10 Update: Discover Deals Will Be Discontinued Soon)

2018.10 Update: Discover Deals will be ended on 2018.10.31. It was good especially for Apple stuff. R.I.P. Introduction Shopping portals provide a phenomenal way to earn extra miles and cashback while making online purchases through thousands of different vendors. From Wal-Mart, Best Buy and Amazon to smaller stores, you should never make an online purchase without first checking to see if…
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Miles and Points Valuations: Economics and Philosophy

Introduction Miles and points enthusiasts generally fall into one of two camps: luxury travelers and economy travelers. Because “value” is often tied to market price, the luxury travelers generally flaunt greater redemption values as they are able to spend a marginal number of additional points for a first class ticket or opulent hotel stay that has a substantially higher open-market…
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$3,587 Saved In 15 Months with Amex Offers

Introduction From decreasing the cost of everyday purchases like groceries and cell phone bills to Hacking the Cost of an Engagement Ring, Amex Offers provide one of the most lucrative opportunities in the credit card churning game. The opportunity is so lucrative that earnings can rival signup bonuses as the best return on credit card spend. This post summarizes how I…
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A Beginner’s Guide to Hilton Honors

Introduction Hilton Worldwide Holdings, Inc. is one of the largest multinational hotel conglomerates in the world, comprised of 5,200 properties across 14 hotel brands. Brands owned by Hilton include Conrad Hotels & Resorts, Canopy, Curio, Hilton, DoubleTree, Embassy suites, Hilton Garden Inn, Hampton, Homewood Suites, Home2 Suites, Hilton Grand Vacations, Waldorf Astoria, Tru, and Tapestry. In 2017, Hilton’s guest loyalty…
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Amex PRG-Platinum Upgrade/Downgrade? Get the Travel Credit Twice!

Introduction I recently received an offer for 60,000 Membership Rewards (MR) points after spending $5,000 by upgrading my Amex Premier Rewards Gold (PRG) to an Amex Platinum. The offer was received via email with the subject line “Congratulations [NAME], Get Exciting Benefits When You Upgrade to the Platinum Card!” Of course I accepted the offer. The best part amount Amex upgrade offers…
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Introduction to Amex Offers (2021.1 Update: Check your Platinum Amex Offers!)

2021.1 Update: We don’t typically post specific offers but the last round that went out to Platinum Card Holders who have had their accounts since before Nov 2020 are too lucrative to not mention. 2018.1 Update: Now AmEx stopped the option to add AmEx Offers via Twitter/Facebook, and in the future all AmEx Offers must be added via AmEx website….
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New Chase Application Rule: Auto-Decline for Any New Sapphire Product If You Currently Hold One

UPDATE: According to DoC, in addition to the changes posted below, cardholders now also have to wait 24 months from getting the signup bonus on a Sapphire product before getting another signup bonus on an additional Sapphire product. This clock starts once the bonus is issued. Additionally, there will be no changes to current cardholders with multiple Sapphire products. According…
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