Will the Charge Card be calculated into Balance? How does Charge Card calculate the credit limit? Will Charge Card affect the Credit Score？ This is a very very common issue, but different people hold different ideas, it’s hard to reach a consensus. In this post, we will have a look on that. We all know that Amex issued some good Charge…
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We have posted an article before: A Beginner’s Guide to American Airline (AA) Miles, to give you a brief introduction to American Airline Miles, including how to earn AA miles and how to use miles for free air ticket (mainly focus on using miles for Sino-US air ticket). In this post, we will elaborate the specific rules of the AA…
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It’s believed that you have a preliminary understanding of the importance of SSN (Social Security Number) after reading several relevant articles that have been posted. Although you can apply for some credit cards and earn credit record without an SSN, you cannot apply for quite a few banks without an SSN. After all, it will be more convenient to have…
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Singapore Airlines (SQ) is the very flight I took the first time when I went abroad. I was quite impressed with its premium facility and flight attendants in unique dressing with sweet smiles.Not only offering courteous services; they will also squat down to talk to the economy passengers. So I am always well disposed towards SQ. Since 2007, SQ has…
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Apple has launched its new iPhone for this year. Are you ready for it even costs you an arm and a leg? However, the thing is how to buy a cheapest one and save money. We introduced some methods to buy an iPhone in the previous post What Is the Best Way to Buy an iPhone (Introduction). This post would elaborately…
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Apple’s new models were unveiled last week. If joining the queues for the latest iPhone is one of your plans, I am pretty sure this new iPhone 6s or 6s Plus will still cost you an arm and a leg. And that’s exactly why we are here posting this guide to help you get the cheapest deals without much effort….
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Today we’ll introduce how to use Avianca Airlines miles. Avianca Airlines (AV, for short), founded in 1919, is Colombia’s national airline. Headquartered in Bogota, it joined the Star Alliance in 2012. It is also the second-oldest airline in the world, just behind Royal Dutch Airlines, KLM. The mileage points in AV is called “LifeMiles”. As we all know the…
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What should I do if my credit card application was rejected, what about pending (further review): Try reconsideration lines of banks in USA! Whether through Internet or go to branch in US, it is very common to apply credit card without instant reply. Tragedy occurs when “we are sorry” pops out immediately after clicking “apply”. Don’t be upset. Catch your breathe…
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Suppose you just bought an iPhone a week ago and its screen was broken, the Apple seller insisted that it was man-made damage without guarantee repair. What will you do? Suppose your boyfriend just bought a LV wallet for you and it was stolen by a thief, what will you do? If these products are bought by debit card or…
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Because a good habit to manage a credit card is so important to improve credit score that we decide to write another post nagging the correct way to increase credit score though you’ve known the general knowledge of credit cards! According to what decides FICO score, we are going to analyze the factors on by one and tell you how…
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It is easily being forgotten that credit cards have extended warranty which can bring you generous added value once you used it. Generally, you’ll get extended warranty for your products if you pay the whole bill with a credit card. When they’re repaired the credit card company will pay it under some conditions. Then lets talk in detail about how…
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In the previous post we showed the general concepts of credit score and credit history and specifically mentioned that FICO credit score was most authentic important to you. This post is going to figure out how is FICO credit score calculated. ContentsOverview1. Payment History: 35%2. Credit Limit and Utilization Rate：30% 3. Credit History Length: 15%4. New Credit Opened: 10%5. Types of Credit: 10%Credit…
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Some freshmen who come to U.S for the first time may become quite puzzled about some words and phrases on bills of bank accounts and statements of credit card, such as: What is APR? What is Hard Pull? The short post comes for helping them understand their meanings. Contents1. What is Balance?2. What is Statement Balance?3. What is Billing Cycle?4. What…
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It’s a commonplace but a unavoidable topic. I tried to help you digest the most important concepts through this post. The specific questions about credit score calculation will be answered at the next article! Briefly, it is: Credit Score = Credit Report + Score Calculation Model Credit report is, haha, a snitch recorded by the banker on your credit history….
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Which credit cards are suitable for newbies with no credit history? This post will briefly tell you how to apply for your first credit card. The first card is difficult to get, because when you just arrive in the US and have no idea about credit card and credit history, it’s hard to accept so much information. But here, I’ll just…
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