Introduction to US Credit Cards (4): Miscellaneous

The contents in the previous post are actually easy to find on the Internet, actually you can go to the banks’ official websites and look for the bonuses and terms. However what I am going to talk about in this post is not easy to find on the banks’ official websites, yet very important when applying for credit cards or manage…
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Introduction to US Credit Cards (3): Advanced Cards

After getting your first credit card and some decent credit history, you can choose credit card combination according to your own situation. If you feel it troublesome to have too many cards or just want to try few of them, it is unnecessary to read through this post. The first and second parts are enough for you. Large parts of…
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Introduction to US Credit Cards (2): Elementary Cards

I’ve introduced some elementary factors in the previous post. And this post is the actual beginning of guide of shopping using credit cards. Let’s apply for credit cards and start shopping! 1. Selection of Elementary Card As mentioned in the previous post, you will start building your credit history only after you get the first credit cards, no matter you have a…
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Introduction to US Credit Cards (1): Basics

I’ve read several posts about introduction to credit cards online, but found none of them satisfying, so I decided to write one myself. I think most people have little awareness of credit cards’ benefits in their daily lives. After all, my personal experience and knowledge is limited, so some of my statements may by not accurate or even misleading. Your corrections are…
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AmEx Centurion Card Review

American Express Centurion Card Review What is American Express Centurion Card? Probably quite a lot of people have heard the story that a Centurion Card tempts numerous beauties in the bar. Then what is the card on earth? Benefits No pre-set credit limit and the credit limit could potentially be huge. It is, according to rumors, the only credit card…
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AmEx Lowes Business Credit Card
Maximize Your Credit Card Points Values

What is Credit Card Points? Credit card points are rewards points of (bank) reward programs that can be earned through a series of credit cards. There are 4 major credit card points: Chase Ultimate Rewards (UR) AmEx Membership Rewards (MR) Citi Thank You Points (TYP) SPG Starpoints (SPG) Which Credit Cards Can Earn Those Points? The most common credits cards…
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Airline Miles and Frequent Flyer Programs (2015.6 Updated)

Miles and frequent flyer programs (FFP), are often talked about because they help customers save money. However, it is not uncommon that many customers are frustrated with the complex award ticket system and feel overwhelmed by enormous information available on the Internet. Hence, our review here is to provide an easy and ready-to-use guide for those in need. Why you…
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AmEx Old Blue Cash (OBC) Credit Card Review (Discontinued)

Blue Cash from American Express (Old Blue Cash, OBC) Review Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Benefits For your first $6,500 in purchases in a Reward Year (12 billing periods in a row beginning with the one that starts in…
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Citi ThankYou Preferred Credit Card for College Students Review (Discontinued)

Citi ThankYou Preferred Card for College Students Review 2018.12 Update: This card is discontinued along with Citi ThankYou Preferred. Application Link This card no longer accepts new applications. Benefits College students with zero credit history can get this card. Go to local branch to apply if you have no credit history. Earn 2 ThankYou Points per $1 spent on dining…
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