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. Contents0. Overview1. Redeem your UR points for air travel and hotel stay2: UR→Airlines2.1. United Airlines (UA)2.2. Singapore Airlines (SQ)2.3. Korean Air (KE)2.4. British Airways (BA)3….
Read more
ContentsAbout Credit Card ApplicationAbout RewardsCredit Limit 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…
Read more
ContentsAbout Credit Card ApplicationAbout RewardsOthers 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…
Read more
Click the link for more information. Welcome for comments if you think we should add more abbreviations. ContentsBank & Credit Card AbbreviationsAirlines Related AbbreviationsHotel Related AbbreviationsOther 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…
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. ContentsApplication LinkBenefitsSummaryRelated Credit CardsHistorical Offers ChartApplication Link 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…
Read more
ContentsI. About Credit Card Application:II. About Rewards:III. Others: 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…
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
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. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsBest Downgrade OptionsHistorical Offers ChartApplication Link Application Link…
Read more
Credit Report and Credit Score (mostly by FICO) are key factors in approval of credit cards. For credit cards owners, it is very important to know about their Credit Reports and FICO Credit Scores. We have talked about several ways to get free Credit Report and Credit Score in How to Get Free Credit Reports And Scores. The next question…
Read more
The tendency of credit card issuing policy differs from bank to bank in America. Even customers with very high credit scores might sometimes face a rejection: what is going on? Which bank should we try if we are looking for a high credit limit? Which bank offers the credit card that is the easiest to get approved? In order to find us…
Read more
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
