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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Welcome, freshmen! Maybe you always hear people talking about “credit card is devil”… However, that’s not exactly true, if you know how to play this game. As credit card geeks, we want to teach you how to get the most from credit cards. To begin with, this post is to straightforwardly introduce to you why credit card is the best payment method when you…
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Grocery, including supermarket, is one of the most common categories of our daily spending, which makes rewards credit cards for grocery use very useful. American Express is almost dominant in this aspect. It issues four similar rewards credit cards for grocery: AmEx EveryDay(ED), AmEx EveryDay Preferred(EDP), Blue Cash Everyday(BCE), Blue Cash Preferred(BCP). In addition to those AmEx cards, there’s another…
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Apart from Star Alliance, OneWorld and SkyTeam members, there are some airlines out there that refuse to be a member of any airline alliance. Although often ignored for some reason, these airlines usually run well, and establish good partnership with other airlines. Some even have partners throughout three major alliances. From this perspective, we should not ignore these hub airlines…
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In this post, we are going to talk about Aeroplan, a frequent-flyer program of Air Canada (AC). Aeroplan is considered as one of the most rewarding loyalty programs in the Star Alliance. This is partly attributable to AC』s good records itself and its extensive collaboration with other Star Alliance members including United Airlines (referred as United hereafter). On one hand,…
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Contents1. How to get the free ticket2. Travel NoteAppendix 1. How to get the free ticket Airline Info: Outbound: JFK in New York -> NRT in Tokyo, NH1009, 12 hours and 55 minutes duration, first class. Inbound: NRT -> JFK, economic class. Total Cost: 95k ANA miles + $272 fee in total. 75k miles for outbound first class ticket, and 20k for inbound…
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