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Discover® More(SM) Card Review: What you need to know.

21. July 2009

4 Comments

Discover® More(SM) Card Review: What you need to know.

Before getting any credit card you should read all the terms of use and all the fine print. I will highlight some of the things you should know about this cards cash back program before you decide to get it or not. From the marketing text the card sounds great: 5% Cashback Bonus® in categories like travel, [...]

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Less than $4 dollars away from an extra $50 dollars!: Update 1

25. June 2009

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Less than $4 dollars away from an extra $50 dollars!: Update 1

I was so close! I can’t believe I was this close and failed to reach $200 dollars in cash back rewards from Chase. A month ago I posted an article about how to save your cash back rewards because The Chase freedom card is no longer going to give the $50 dollar bonus for waiting [...]

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Chase skip-a-payment scam. Please share

12. June 2009

3 Comments

Chase skip-a-payment scam. Please share

My credit card statement this month was different for the first time. I had a balance, but the minimum payment was zero dollars. This confused me. How can I have a balance and the minimum payment be zero? I didn’t think much of this and I thought it was a mistake. I setup my payment [...]

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Obama signs new Credit Card Bill. What does this really mean?

27. May 2009

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Over the past 6th months I’ve seen my credit card interest rates drop to as low as 9.24%, just to be raised again in anticipation of the new credit card bill passed by President Obama, the “Credit Card Accountability, Responsibility and Disclosure Act.” The bill is intended to help consumers against credit card interest rate [...]

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How to save your cash back bonus

20. May 2009

4 Comments

As you may or may not know. The Chase Freedom card is changing terms on you. They will be getting rid of the triple rewards in the top 3 categories where you spend the most and switch to rolling categories where you will earn triple rewards throughout the year. They decide on the category, which [...]

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Save extra while shopping online

28. January 2009

2 Comments

Save extra while shopping online

If you have’t tried shopping through your credit card company’s website… what are you waiting for? A few of my credit cards that I know of have online shopping portals where you save extra money and earn up to 20% cash back! Discover® Open Road® Card: ShopDiscover Discover® More® Card AMEX: ShopAmex Running this site and having signed up for [...]

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Maximizing your cash back rewards

7. April 2008

6 Comments

Maximizing your cash back rewards

Saving where you can in great. Saving where you spend the most is even better!

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What’s your credit card APR?

25. March 2008

15 Comments

I was talking to a buddy of mine last night and he asked me “What is a good APR for people our age?” I told him that 18-20% is pretty average for people new to credit. An APR of less than 10% is considered above average credit.

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How many credit cards is too many?

15. February 2008

4 Comments

As I was thinking about getting another credit card, it got me thinking “How many credit cards is too many?” I have been thinking about opening up another card, and another soon after that. After looking over my year end summaries on all my cards the majority of my purchases are in categories which do [...]

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How I make $225 tax-free every 6 months – credit cards that pay you

18. January 2008

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Disclaimer: This is not for people in credit card debt or people that can’t control their spending. To take advantage of this free money you have to pay off your credit card bills in full each month. If you miss payments or can’t pay the balance in full, you are paying more money in late fees [...]

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