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Credit Help and Tips

Chase Ultimate Rewards Points vs. Amex Membership Rewards

If you’re in the market for a new rewards credit card, you’ve probably compared options from Chase and American Express, as they offer the biggest sign-up bonuses out there. But their rewards points are very different, so you can’t just say one is offering more points and is therefore the better option. Instead, you need […]

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Credit Help and Tips

Good Time of Year to Apply for Credit Cards with Calendar Year Benefits

Did you know that fall is a great time to apply for a new credit card? If not, allow me to explain. Many credit cards these days come with an annual calendar year benefit, such as an airline credit or a travel credit. These benefits aren’t based on when your card anniversary is – rather, […]

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Credit Help and Tips

You Have to Opt-in to the Lounge Access with Chase Sapphire Reserve

Just wanted to throw out a Public Service Announcement (PSA) regarding the lounge benefit associated with Chase Sapphire Reserve. While you probably remember hearing about “complimentary airport lounge access” when you applied, you might be wondering how you enter the lounges. Do you just flash your metallic credit card and saunter through the door? Or […]

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Credit Help and Tips

How to Track Your Ultimate Rewards with Chase

For a long time, it was next to impossible to see how many Ultimate Rewards you had earned with Chase until your statement closed and the points posted to your account. This was frustrating for a lot of people who wanted to keep a close eye on things and make sure they were swiping as […]

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Credit Help and Tips

Sometimes Using the Wrong Credit Card Is the Right Choice

A while back, I applied for the Chase Marriott Rewards Premier Business card from Chase because it was offering a generous 100,000 points when I spent $3,000. That was a 25% premium over the current 80k offer, so I jumped on it, knowing I’d be able to use the points haul for a nice little […]

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Credit Help and Tips

Are You Better Off Paying Fees to Meet Minimum Credit Card Spend?

I’ve been working on some minimum spend lately, thanks to a new Chase Ink card and the Chase Sapphire Reserve. Those two cards mean I have to spend $9,000 in the span of 90 days, which can be a bit harrowing for some and a breeze for others. Once I was approved, and had yet […]

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Credit Help and Tips

Why Aren’t Credit Cards Instantly Approved?

It seems everyone wants things instantly, including approval for their newly applied for credit cards. But we aren’t always told right away if we’ve been approved or not, even if it’s a so-called pre-approved offer. While it’s frustrating not to receive the “Congratulations!” e-mail in your inbox within seconds of applying for a credit card, […]

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Credit Help and Tips

Pre-Approved Credit Card Offers Are Utter Nonsense

So you got a letter in the mail saying you were “pre-approved for a credit card.” Or an e-mail inviting you to apply for the latest credit card. You jump at the chance to get approved for a credit card and apply immediately assuming you’ll be given the thumbs up in a matter of seconds. […]

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Credit Help and Tips

How to Get Your Credit Card Annual Fee Refunded

There are plenty of folks out there who are down on credit cards, and even more who are down on credit cards with annual fees, for obvious reasons. But one perhaps lesser known fact about credit card annual fees is that they’re often refundable. Like other fees you might pay in advance, such as insurance […]

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Credit Help and Tips

How to Increase Your Discover Credit Limit in 30 Seconds

Discover is quickly becoming the most beloved credit card issuer out there because they’re so customer friendly. The ability to redeem any amount of cash back is awesome and unmatched! Discover Credit Limits Tend to Be Low While Discover is a great credit card company In terms of customer service and useful features They don’t […]