Your credit report and credit score are the determinant factors in getting approved for a credit card, therefore it’s quite necessary for cardholders to pay close attention to these items. How can you access them for free? The first thing you need to know is, there are three official credit bureaus in the US: Experian, Equifax and TransUnion. Once a bank receives an…
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2016.6 update: more than 7 recent data points from our private chat group show that, you can get 5 AmEx credit cards, but not 6. When two of us applied for our 6th AmEx credit cards, we both received a phone call that explicitly says we “reached the maximum number of credit cards”, and we have to close one of the…
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Net Spend/ACE/Western Union/Brinks/H-E-B Savings Accounts Review 2017.3 Update: Some people (HT: DoC) report that the limit for 5% APY has been raised to $2000 starting from Mar 1! That’s double what it was before. However, most of us, including myself, still see a $1000 limit. We don’t know whether the change will apply to everyone soon. 2016.5.31 Update: Starting from Jul 1st, 2016, the…
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True Earnings Card from Costco and American Express Review Application Link This card no longer accepts new applications. See Citi Costco Credit Card for the new Costco co-brand card. Benefits Earn 3% cash back at US gas station (including Costco gas station); 2% cash back at US restaurant and eligible travel spendings; 1% cash back on other purchases. No annual fee…
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Maybe Americans don’t know about the Chinese company Anbang at all. Neither do I several days ago, but some of my friends have some interesting information and insights about it. First of all, we shouldn’t treat Anbang as a usual insurance company. It is so special because its actually bosses, Chen Xiaolu and Wu Xiaohui, are “the Second Generation of…
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Fidelity Investment Rewards American Express Card (FIA) Review Application Link This card no longer accepts new applications. See Fidelity Rewards Credit Card for the new Fidelity 2% card. Benefits Earn $50 after spending $500 in first 2 months. Earn 2% cash back on every purchase you make. No annual fee. Disadvantages FIA is an American Express card, which is not…
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Barclays Arrival World MasterCard Review 2018.7 Update: It seems it is still possible to get this card via product change. Application Link This card no longer accepts new applications. If you have this legacy credit card, you can still enjoy its original benefits. Benefits Earn 20,000 Miles after spending $1,000 in first 3 months. Earn 2 miles per $1 spent…
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Similar to the previous Amazon MR promo, now there’s a Amazon UR promo. Before 2015.12.6, you can pay with UR Points on Amazon, and get $15 off. Details: 1. You need to use this link to link your UR account and Amazon account. 2. You can get save money no matter what amount do you spend: if you spend $15 or…
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In A Beginner’s Guide to Delta SkyMiles and Basics of Airline Miles Redeeming, we mentioned that Delta has the problem of Blackout Dates when exchanging airline partners: Delta chooses some of the dates and directly block them in its own system when searching and exchanging award ticket of air partners. So we have to understand clearly which days are Blackout dates,…
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It is very common for Chinese people in the US to receive remittance from China. Remittance often charges commission fees, and how to save money as much as possible concerns many people. Today we will help you to find out a relatively economical and easy way to make remittance. Introduction to General Wire Transfer Process Many people are likely to…
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If you think only credit scores can decide your successful application for a credit card, you are totally wrong. In fact, your credit scores and credit reports should be considered when you apply for a credit card. Besides, your relationship with banks is also a crucial element during your application process. We have mentioned it in many posts. For…
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Various shopping portals, including United MileagePlus Shopping，American AAdvantage eShopping，and Alaska MileagePlan Shopping, have recently provided similar bonus offers. That is you can obtain certain amount of bonus miles besides original miles after you have reached a certain amount of consumption through portals. The bonus offers of the three shopping portals above are open to everyone now. If you have consumption…
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What Chase Private Client (CPC)? Chase Private Client (CPC) is a kind of privileged client from Chase. When you become a CPC, there will be 2 Private Bankers serve you any time, they can answer your phones, reply to your emails, offer you investment suggestions, etc. It’s more like a private consultant service. What’s the requirement to become Chase Private Client…
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I believe everyone must have received some letters from your mailbox, like “You’re pre-selected to XXX card”, and some of you may be recommended to figure out whether you have received an pre-qualified offer on one bank’s website before applying for a card. Most of us are likely to think that application for a card can be guaranteed with one…
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Recently I conduct a small test about credit scores focusing on the two following points: It is often said that credit scores will be reduced if your many credit cards all have statement balance. Is it true? If the answer is yes, how much influence is it? How much influence should High Utilization Ratio of one single card make? The…
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