Amazon Allowance Guide (2015.8 Update)

2015.8 Updated: Amazon Allowance now has a minimum amount of each transaction: $5 (The transactions that have already been setup will still work fine). The EDP strategy is no longer suitable while the BBR is still good. The Better Balance Rewards (BBR) issued by BoA is a credit card with distinctive features. Its rewards are based on payment on time rather than…
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


Chase Frequently Asked Questions (FAQ) (2015.6 Update)

I. About Credit Card Application: 1. Is there a limitation for the number (or credit limit) in Chase cards? Generally, there is no limitation of the number of card. But there is a limitation for everyone’s total credit limit in Chase. A common reason for applicants being rejected lies in excessing the total credit limit. If so, you could transfer…
Read more


Some Thoughts on Store Credit Cards (2015.5 Update)

Store Credit Cards (such as co-branded credit cards of Macy’s, Victoria’s Secret, Banana Republic, etc.) Review Strongly NOT recommended! Many of us might have been recommended to apply for store credit card while shopping at like Macy’s, Victoria’s Secret, Banana Republic and so on. Generally, the bonus for applying that kind of card is a considerably high discount for the current…
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