1. I have a SSN for one year. Does that mean one-year credit history? No. The length of your credit history depends on your payment and statement, and it is unrelated with your SSN. In other words, your credit will be recorded with or without a SSN. However, your credit record will be linked up with your SSN for convenient…
Read more
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
Citi ThankYou Points (TYP) is the rewards system of Citi credit cards. Citi ThankYou Points, although less popular than Chase Ultimate Rewards, is still very useful and promising. This is the first post in the introduction to TYP series, and the second one is Introduction to Citi ThankYou Point (TYP) II: How to Use. Our reviews consists of two parts: How…
Read more
In the previous post we mainly discussed how to earn the SPG Starpoints, and in this post we mainly discuss how to use them. SPG card is so popular because that you have so much useful and valuable choices to redeem your starpoints. I will introduce you two ways to of SPG points — Free nights, and airlines miles. 1. Free nights in…
Read more
With the boom of applying for AmEx SPG, I would like to talk about the SPG point system. Just like the Chase Ultimate Rewards serial, we still discuss it in two parts – how to earn and how to use. In this post we mainly discuss how to earn the SPG Starpoints, and in the next post we will mainly discuss…
Read more
In the first installment of the Guide to Transferrable Points Currencies, we discussed the different ways in which you can earn Earning Chase Ultimate Rewards (UR). In Part 2 – Burning UR, we discuss how to redeem these points. 0. Overview There are four main redemption options for spending UR: Click “Explore and book travel” under “Use points” if you choose to redeem your UR…
Read more
About Credit Card Application 1. Is there a limitation on the number (or credit limit) of Citi credit cards? There is no limitation of the number of credit cards you can have. But there should be a maximal total credit limit you can have on Citi, which is usually related to your credit history as well your annual income. 2….
Read more
About Credit Card Application 1. Does Amex limit the number of cards individual can keep? Unlike other banks, Amex has a limit that individual can only keep no more than 4 credit cards, including personal cards and business cards. Note that this restriction is only for credit card, charge cards such as Platinum, Premier Rewards Gold (PRG) are not included, neither…
Read more
Click the link for more information. Welcome for comments if you think we should add more abbreviations. Bank & Credit Card Abbreviations AA: Citi AAdvantage Platinum Select Credit Card, also American Airlines AA EXE: Citi AAdvantage Executive AF: Annual Fee AGC: American Express Gift Card AmEx: American Express Amex HH: AmEx Hilton HHonors Credit Card AOR: App-O-Rama, apply for several…
Read more
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 (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
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
It can be seen very often in various situations that many people wonder why their credit scores drop a lot in a certain month and what to do. It’s very common and everyone just doesn’t want to confront such situations. After all, there will be no chance for you to apply for a good credit card in several years if…
Read more
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
One common way to apply for credit cards is to apply for several cards in the same day, and repeat every three months, which is call App-O-Rama (AOR). The reason to do AOR is that it takes some time for the new accounts to show up on credit reports, so other banks can’t see the new accounts in the same…
Read more
