The Gold Card from American Express for Ameriprise Financial Review 2019.2 Update: This Ameriprise Gold card is discontinued along with the change of Ameriprise Platinum that first year annual fee is no longer waived. Application Link This card no longer accepts new applications. Benefits Earn 25,000 Membership Rewards (MR) Points after spending $1000 in first 3 months! This credit card…
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The Experian (EX) official app now gives you free credit reports and alerts! When you change your address, get a new hard pull, get a new account, etc., it will notify you immediately! The only drawback is that you can not see the FICO credit score for free ($9.99/month). But you can actually see the EX FICO score in the…
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Recently Discover announced a tool to check your Experian FICO for free: CreditScorecard.com. This is an important product, because compared to other credit score tools, it has the following advantages: The score is based on Experian (EX), and most banks pull EX nowadays. Although Credit Karma can see many more details, they are from Equifax (EQ) and TransUnion (TU), and you won’t…
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U.S. Bank FlexPerks Gold American Express Card Review Application Link US Bank FlexPerks Gold Benefits Earn 30,000 FlexPoints after spending $2000 in first 4 months. FlexPoints are worth a fixed 1.5 cents/point towards travel (such as airline, hotel, car rental, etc.), and a fixed 1.0 cent/point towards statement credit. The points are now devalued to 1.0 cent/point fixed value if you…
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Let me first summarize the previous consensus about the annual fee (AF) of the Citi Prestige. If you are a Citigold client, you get a $350 AF offer no matter you apply online or in branch; if you are not a Citigold client, then the annual fee is $450. There was one exception: even if you are not a Citigold client, you could go to a…
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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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