New policy? BoA limits up to 3 BoA credit cards openings in a 12-month period?

Recently one of our readers “本群倒數第一” received a call from BoA, informing him that the most recent credit card he’s got from BoA is approved by mistake, and therefore, he needs to close down one of his BoA credit cards. The representative specifically quoted one BoA internal policy: Any account holder currently can only open up to 3 new BoA…
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Interact on Social Media, Earn Up to 45k Marriott Points Per Year!

ContentsIntroductionPreparation: Connect Your AccountsLatest PromotionsReply “360 feet #RewardsPoints”, and earn 1000 points (Expired)Reply your best concert + “#RewardsPoints #MembersGetIt”, and earn 50 pointsSpecial Trick: Automatically Earn 50 Points Per Day Introduction Recently Marriott starts to promote its social media campaigns. Now we can earn Marriott points simply by some clicking! Some notes to keep in mind: You can earn up…
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The Best Looking Credit Cards Poll: Here’s the Results!

Update: Here come’s the results of the poll! The top 10 best looking credit cards are as follows, are they in agree with your choices? Contents#1 Chase Sapphire Reserve (CSR) ($450 annual fee)#2 Chase Sapphire Preferred (CSP) ($95 annual fee)#3 AmEx Platinum ($550 annual fee)#4 AmEx Centurion ($2500 annual fee, invitation only)#5 JP Morgan Reserve ($450 annual fee, requires $10M in account)#6 Chase Ritz-Carlton ($450…
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SelfScore Achieve MasterCard Review (Discontinued) (2017.10 Update: SelfScore is now Deserve)

SelfScore Achieve MasterCard Review 2017.10 Update: SelfScore is now rebranded to Deserve. This card will be automatically converted to Deserve Edu after some time, and you can enjoy the first year Amazon Prime reimbursement as well if you are a current SelfScore card holder. See the official FAQ for more details. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryApplication Link Application Link This card no longer accepts new…
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Discover AAII Savings Account Review (2017.11 Update: $150/$200 Offer Is Expired)

Discover AAII Savings Account Review 2017.11 Update: The bonus is expired. ContentsApplication LinkBenefitsBonus RequirementsHow to Avoid the Monthly Maintenance FeeSummaryRelated Bank AccountsHistorical Offers ChartApplication Link Application Link Discover AAII Savings, offer code: AAIIBONUS Benefits New account opening bonus of $150/$200! See below for detailed requirements. Apply before 2017.10.31, and deposit at least $15,000/$20,000 before 2017.11.15. According to data points, you don’t…
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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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Discover AAA Savings Account Review (2017.11 Update: $150/$200 Offer Is Expired)

Discover AAA Savings Account Review 2017.11 Update: The bonus is expired. ContentsApplication LinkBenefitsBonus RequirementsHow to Avoid the Monthly Maintenance FeeSummaryRelated Bank AccountsHistorical Offers ChartApplication Link Application Link Discover AAA Savings, offer code: AAABONUS Benefits New account opening bonus of $150/$200! See below for detailed requirements. Apply before 2017.10.31, and deposit at least $15,000/$20,000 before 2017.11.15. According to data points, you don’t…
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Merrill Plus Visa Signature Credit Card Review (Discontinued)

MERRILL+ Visa Signature Credit Card Review 2017.8 Update: According to Frequent Miler’s source, this card may be discontinued in Sept, so this is the last chance to get this card! The sign-up bonus is worth about $500~$1000, and you can get this card more than once (as long as your credit history is good enough to get approved). So act fast…
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A Picture Is Worth A Thousand Words: What Are Merrill+, FlexPerks, UBS Points Worth?

(Repost because of the news of the Merrill+ credit card.) The redemption structure Merrill+, FlexPerks, UBS points are all based on tiers. If we look at the official description, it may be difficult to get an intuitive points value. A picture is worth a thousand words, let me show you the picture! ContentsMerrill+ Points ValueFlexPerks Points Value (2018.1 Update: Now FlexPerks value towards travel is…
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Mortgage Approval After 66 New Credit Cards in 3 Years

ContentsIntroductionDisclaimerThe Mortgage ProcessTransparency with the Loan OfficerRecommendation #1 – Cool It With New Credit Inquiries for 4+ MonthsRecommendation #2 – Keep Records of EverythingRecommendation #3 – Have an Explanation for ALL Large Bank Account DepositsCar LoanSummary Introduction People involved with credit-card churning often wonder what the impact of lots of credit inquiries and new accounts will be on their ability…
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Hyatt Ziva Los Cabos – Trip Report

ContentsIntroductionHyatt All-Inclusive Award ChartArrival into Los Cabos International AirportArrival at Hyatt Ziva Los CabosThe Room – Ziva Suite with Ocean ViewThe RestaurantsThe BeachThe Hyatt Property – Activities, Pools, etc.The City – San Jose del CaboSummary Introduction The Hyatt Ziva Los Cabos is one of six all-inclusive Hyatt resorts throughout Mexico and Jamaica. These properties provide tremendous value for the miles…
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Yeek Review: The Best Search Engine For Hotel Points Redemption [Services Are Terminated]

2019.5 Update: Yeek is shut down, and services are terminated. Accumulating many hotel points among various hotel chains inevitably leads to the same questions when traveling to a new city: Which hotel in this city is best for a points redemption? Which hotel requires the least amount of points? Can I use my free-night certificates, and is it worth it?…
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Alaska / American partnership devalued on Jan 1, 2018 [Award chart changes]

Alaska announced a devaluation of their partnership with American a few days ago. The major changes are related to how flight credit is earned. For domestic travel, you have to fly American on an Alaska codeshare to earn Alaska miles. Similarly, you need to fly Alaska on American codeshares to earn miles/credit with American’s AAdvantage program. Elites for both programs…
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