The question I’d always hear, “Caleb, what is going to happen when you go to buy a home”? Fortunately for those who’ve asked, I have the answer. (my experience, yours may vary*) You have how many credit cards? For most, the thought of having 20 credits cards is a sure-fire way to get denied for […]Read more "This is What it Was Like Purchasing a Home with Over 20 Credit Cards"
If you’ve followed any “miles” blogs in the last few years you may have noticed a trend. That trend is ‘miles are getting harder to earn’. It’s only natural for airlines/hotels/banks to cut back as more people wise-up to this lucrative game. It’s getting tough The big-three airlines no longer reward you with miles […]Read more "This is By-Far The Easiest 10,000 Miles I’ve Ever Earned! Getting Matched"
I don’t know if Comenity Bank and United are in-bed with one another, but both seem to giveth and taketh away. Here’s the story: Approved, then denied, in that order Last week I applied and was instantly approved for the Virgin America Visa Signature card, $10k credit limit. This took place on 4/23 and […]Read more "Comenity Bank Decided to Approve Me then Later Deny Me – Not Cool!"
I think any good miles blog should have its fair share of what-not-to-do’s. This particular not-to-do really scared the crap out of me. As you probably know, most credit card bonuses require that you spend $X.XX amount within 90-120 days. Notice the keyword there, “spend”. That could be interpreted to mean different things by different […]Read more "This Mistake Nearly Cost Me 50,000 American Airline Points – Minimum Spend"
It seems that most stories like this one, involve Citi Bank. I am not 100% sure why but I have my feelings. In the middle of November the annual fee posted for my Citi AA Platinum card, $95. I am not one to pay annual fees, with the exception of my Chase Sapphire Preferred card. […]Read more "This May Be The Most Unusual Way To Waive an Annual Fee"
If you’ve read any of my recent ranting posts you’ve likely heard me gripe about how credit card companies are always making things more difficult for us. All we want to do is sign up for credit cards over and over without paying any annual fees. Is that too much to ask? 😉 Changes to […]Read more "Two Big Credit Card Policy Changes Taking Place with Citi and American Express"
Credit Cards can be one of the best or worst things for your credit report. The outcome ultimately depends on how you manage your cards, and yes, there is a wrong and right way to do things. The most important thing to be aware of before applying for your first card is the fine-print of […]Read more "Credit Card Management 101 – What You Need to Know Before You Get Your First Credit Card"