Author Archive: physixfan

Summary of Credit Card Trip Delay Benefits

Today let us talk about Trip Delay Insurance. Most of common trip interruption and cancellation can be reimbursed by most of credit cards with extremely strict conditions, such as extreme weather or illness. However, conditions required by Trip Delay Insurance are not as strict as those required by credit cards described above. For example, trip delays of common flights caused…
Read more

AmEx Gold Card Old Version Review (Discontinued)

American Express Gold Card Review Attention! This card is AmEx Gold Card Old Version which is already discontinued, the new AmEx Gold Card (formerly known as AmEx Premier Rewards Gold (PRG)) is here: AmEx Gold Card. 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…
Read more

A Beginner』s Guide to Delta Airlines (DL) SkyMiles

Three Major Airlines: UA,AA,DL. The mile guides for the former two have been introduced before, where goes the indispensable DL? Today in this post, we will introduce the elementary mileage knowledge of Delta Air Lines (DL). The previously well-know SkyPesos, can we get rid of it now? 1. How to Earn Delta SkyMiles 1.1. Taking the flights Delta and UA are…
Read more

What Credit History Should I Have To Apply For Credit Cards? (2015.8 Update)

We often see such kind of questions in comments or forum: How difficult is it to get XX credit card? What credit history do I need to get XX credit card? Well, the correct answer is always: It depends, YMMV (Your Mileage May Vary). But there are still some statistics from the data points online. Here let’s summarize the (conservative)…
Read more

US Bank Radisson Visa Credit Card Review (Discontinued)

US Bank Radisson (Formerly Club Carlson) Rewards Visa Card Review 2022.4 Update: This card is now discontinued. Application Link US Bank Radisson Visa Benefits 30k offer: earn 30,000 Radisson points after spending $1,000 within the first 90 days. We value Radisson points at 0.4 cents/point (See Hotel Points Value), so the 30k highest sign-up bonus worth about $120. Click here to see how many points…
Read more

US Bank Radisson Visa Signature Credit Card Review (Discontinued)

US Bank Radisson (Formerly Club Carlson) Rewards Visa Signature Credit Card Review 2020.6 Update: This card is discontinued. Note that don’t confuse this card ($50 annual fee) with US Bank Radisson Premier Visa Signature ($75 annual fee). 2018.3 Update: The Club Carlson rewards program is now rebranded as Radisson. Application Link This card no longer accepts new applications. If you have this…
Read more

Does Credit Limit Increase Needs a Hard Pull (2015.6 Updated)

Credit Limit Increase (CLI) can make normal spending more smoothly, and by indirectly decreasing the utilization, you might improve your credit score because of this. Some banks, however, pull the credit report from one of the credit bureaus when you request a CLI, it’s called Hard Pull (HP), which is somewhat harmful to your credit history. So it』s necessary to figure out which…
Read more

Barclaycard US Airways Credit Card Review (Discontinued)

US Airways World Premier MasterCard Review Application Link This card no longer accepts new applications. Existing cards have been converted to AAdvantage Aviator Red MasterCard (also do not accept application). If you are interested in American Airlines credit card, or US Airway (now part of American Airline) credit card, our recommendation is Citi AAdvantage Platinum Select MasterCard. Recommended Downgrade Options AAdvantage Aviator MasterCard