THANKS YOU !
' + post_title + '
(Note: You’ll need to open the window in incognito mode to get it to work)
To view all current credit card offers from all banks click on the credit card tab on the top of the page, or here.
Earn a bonus 10,000 points for just adding an authorized user on your Hilton HHonors credit card from American Express. (This offer is obviously only available to current account holders of the HHonors Hilton American Express card.)
You are now one step close to staying at the Pointe Hilton Squaw Peak Resort Hotel, Phoenix, AZ – Pool Area (above picture) for free. As alays we love staying in hotels and vacationing for free. 10k free HHonors points is a sure good way to start the week.
If you don’t have a Hilton Credit card yet, what are you waiting for? Click on the link below to see many of the current available offers. Some special offers are the:
Chase United 75k +$50
American Express PRG 65K (incognito)
Bank Of American Alaska Air 30k
Get 10,000 bonus Hilton Points for adding an Authorized User
HT: S & S Worldwide
HOT! Receive 50,000 Delta miles after $2,000 in spend within three months of account opening, receive a $100 statement credit after your first Delta purchase. Annual fee of $95 is waived the first year. Delta has released a new card offer on their Delta Gold credit card. This offer is available for the public, without any special invitation codes.
Card earns at the following rates:
2x miles on all purchases made directly with Delta
1x miles on all other purchases
No foreign transaction fees
Both offers are valid until July 6th, 2016
You cannot get the bonus on the cards if you’ve ever had the card before
Go to Delta.com
Search for and select any flight
On the next screen you’ll see the offer below the standard booking
Click ‘Yes! I’d like to apply now for a Card and then complete my booking”
Hat tip to US Credit Card Guide
Reader question, we just received this question in:
I just applied for a gold business card from American Express and got approved. I spent $3,000 but did not receive the 50,000 membership rewards signup bonus why?
This is based off the new policy that isn’t so new anymore that American Express has setup. In order to combat gamers, credit card manipulators and credit card abuse American Express has set this rule into motion. They started to only give signup bonus to each user once in a lifetime. We wrote about this back when Amex set this rule out two years ago see here.
The way the rule is structured you are signup bonus will be awarded to you once per card member lifetime, on every given card. For example if you had the American Express Business Gold Reward card, you can still get a bonus on a Premiere Gold Reward card, however you will not be able to get a signup bonus on a Business Gold Reward card again.
Yes there are several workarounds. Today we will share with you one of them. There is terms and conditions on every card. What you want to do if you want to read the terms and conditions and see if it includes the language of “this bonus is only available to applicants that never had this card in the past”. If the credit card does not include that language on the application you will still be able to get the signup bonus.
Some cards that don’t have the “language” are the ones that come in the mailers. These mailers usually have a 50k or 75k bonus offer for signing up, and they are geared specifically to the named applicant on the mailer. The language on these cards are usually non-existent which means even if you had the card in the past you will still be able to receive a signup bonus when applying for the card. There are other workarounds as well search you shall find them..
American Express has restricted signup bonuses to once per lifetime, however you can still get a signup bonus for the second time when using a mailer that has no language.
This should bring up the 100k American Express Platinum Offer
A $450 annual fee applies.
The bonus will only be awarded if you haven’t previously had a Platinum card.
American Express Membership Rewards is offering a 30% bonus on transfers to Etihad Guest through June 15. American Express only added Etihad as a transfer partner two weeks ago so it’s great to see them bonusing transfers. They are probably trying to boost this partner so they are offering this promotion. In the past we have seen promotions on other partners like british Airways and El Al.
That means the points from your Amex Everyday Preferred, Premier Rewards Gold, Business Gold, Business Platinum and other Membership Rewards earning cards carry more weight. One third times more weight!
Etihad has a very good first and business class product, and because availability has been generally excellent. Now to be sure the single best first class product in the sky — the Etihad First Apartment, which is scheduled for Abu Dhabi – New York JFK< London, Sydney, Melbourne, and Mumbai — can be tough to get.
Availability goes in cycles (and for awhile has been much easier to get Abu Dhabi – US than US – Abu Dhabi). I’ve flown it several times this year on the New York JFK – Abu Dhabi route but availability for that flight isn’t a gimme.
Nonetheless, Etihad offers first class service with other aircraft to New York, San Francisco, Los Angeles, Dallas, and Washington Dulles. They offer service that features business class as the top cabin to Chicago and Toronto.
Award prices aren’t cheap. For instance,
Business class is somewhat cheaper, for instance 88,391 one-way for New York – Abu Dhabi.
Etihad also adds surcharges to awards: $50 per segment for economy, $100 per segment for business, and $150 per segment for first class.
Etihad has several airline partners, which have to be booked by phone. Etihad agents are often unfamiliar with their partners, and with how to book them.
What’s more, the cost of awards on partner airlines can be high. Nonetheless, they can also be strategically useful. For instance, Etihad partners with Philippine Airlines and they almost always have business class award space between the US and Asia. And they partner with American. Etihad partners with carriers like Virgin Australia, Royal Air Maroc, Garuda Indonesia, Oman Air, and Hainan Airlines as well as a variety of others.
Partner award charts can be found here and are much more lucrative,but partner awards are not bookable online, which means you have to play call center roulette. You also need to book partner awards 14 days in advance.
Every airline has their own award chart. For example:
There are no fuel surcharges.
-You can fly from JFK-Brussels in coach for 21,972 miles or about or about 16,902 AMEX points round-trip.
-You can fly from JFK-Brussels in business for 36,620 miles or about or about 28,169 AMEX points round-trip.
-You can fly from Brussels-Tel Aviv in coach for 12,096 miles or about or about 9,304 AMEX points round-trip.
-You can fly from Brussels-Tel Aviv in business for 20,160 miles or about or about 15,508 AMEX points round-trip.
To summarize that is 26,206 points to fly round trip JFK-BRU-TLV in coach or 43,677 miles to fly in business. Judging a normal business class ticket to Israel would run you around $6,000 this is a $.13 redemption per mile. That is ten times the normal redemption.
Chase Freedom Unlimited is offering a $150 Bonus after your spend $500 or More (on purchases within the first 3-months of your account opening) + 1.5% Unlimited Cash Back on every purchase.
Note, the disclosure about limitations on who will receive the $150 bonus only refers to current Freedom Unlimited customers. Freedom and Freedom Unlimited are two different products in the Chase ecosystem.
The Chase Freedom Unlimited is a simple credit card that gives you 1.5% cash back on all purchases. It does not have the 5% categories that the regular freedom has. Personally it makes more sense to get the Citi Double cash for 2% cash back on all purchases, and the standard Freedom card for 5% categories.
There’s no annual fee, and there’s no minimum amount for redeeming for cash back. As for the sign-up bonus, you’ll earn $150 after spending $500 in the first three months of account opening. Additionally, Freedom Unlimited currently offers 0% introductory APR on purchases and balance transfers for the first 15 months, with APR matching the Freedom card after that period.
Other Interesting Headlines
The new Chase Freedom Card has a signup bonus of $150, and gives 1.5% back on all purchases.
However, no matter what happened, here are some easy ways you can see your score jump at least 10-20 points starting next month, and continuing as long as you keep cleaning up the past and practicing responsible credit behavior.
While last month’s missed payment may have caused a drop of 60-100 points (depending on how high your score was to begin with), making all of your payments on time this month — and keeping up with them — will likely help improve your score by 10-20 points in a couple months. Be aware that you would see steeper score drops (possibly over 100 points) if you paid late for two months or more, made late auto loan or mortgage payments, or paid more than one account late.
Keep your score improving by several points every month this year, until about a year of good payments has restored your credit.
When you charge a card up to its credit limit, that’s called “high credit utilization.” If you don’t pay it all off by the next payment due date, you might notice your score drop 55-110 points.
A recent VantageScore report showed that reducing your credit card balance from 50% to 30% of the total credit available on that card can improve your score by up to 50 points. The lower your balances, and the lower your credit utilization, the better your credit score. If you must charge something and can’t pay it off by the next due date, spread the charges out across different card accounts to see a substantially lower drop of 30-80 points.
The point is to decrease your credit utilization, or the amount of credit used compared to the amount of credit extended to you. If you pay off a card balance, leave
the account open so the age of the account and its available credit limit can help increase your credit score a few points every month as time goes on. The VantageScore report showed that if you closed the account, your score could drop between 10 and 30 points, depending on your situation.
Negative marks may stay on your credit report for several years, but it’s possible to raise your score by 10-20 points starting this month.
If you already have good credit (above 661) and low or no balances, it’s easy to decrease your credit utilization to get up to a 50-point bump. Just call up your existing credit card companies and ask for a credit limit increase. It’s a simpler, faster way to increase the amount of credit extended to you and decrease your credit utilization, without getting the 10- to 20-point “hard inquiry” credit ding from applying for another credit card you may not need.
An account is in collections when the original creditor turns your account over to a collections agency after a certain amount of missed payments, a status that can remain on your credit report for up to seven years from the first missed payment. Paying off collections in full causes a score bump in some circumstances, but can be actually detrimental in others, according to credit expert John Ulzheimer.
Basically, if your debt is less than seven years old, you should explore options for paying it back. (That number varies by state and the type of debt.) That might mean paying in full. But you could also elect to settle a debt for much less than what is owed by working with the collections agency in exchange for a “paid” or zero-balance status report to the credit bureaus. If you have more than one collection on your credit report, paying off (or settling) the most recent one will help your credit score the most.
However, if a collections account is older than seven years and has already fallen off your credit reports, it’s no longer affecting your credit score. What’s more, you can no longer be sued over this debt, and you can legally tell collections agencies to stop calling you. Paying in full could put that debt back on your credit score, but reporting agencies could be slower to note that you actually paid it off. Even worse, making partial payments could not only put it back on your credit report, but also extend the statute of limitations for creditors to take legal action against you.
Some new credit scoring models from FICO and VantageScore do not view medical collections or paid collections negatively, so you will see the biggest bump in your credit scores from these scoring models. However, most lenders still use older FICO scoring models that penalize you for the old account, even when it’s paid off. And you can never know which scoring model a lender is using.
Ask someone with excellent credit — like a trusted parent — to make you an authorized user on their credit card account. Then you can take advantage of that person’s higher credit limit and good credit history for an immediate credit bump the next month. You don’t even have to have the card; however, this hack works even better when you use the card in your name to make small purchases. When you pay it off completely every month before the due date, you’ll establish a positive payment history.
Just watch out, because if the cardholder has a negative account history or incident, that will affect your credit negatively, too.
A serious payment or collection error on your credit report could hold you hostage to a low credit score for a long time. That’s why you should always check your credit reports for errors at least once per year at AnnualCreditReport.com. If you can’t identify a collection or negative mark as yours (the payment dates, account numbers, or creditor is wrong or not recognizable), dispute the error with the credit bureau. Also dispute the error with the collection agency, which has to prove the validity of the debt or remove the record from your credit report. Unfortunately, this process could take awhile because the credit bureaus have 30 days to respond by law.
The sooner you find and dispute an error, the easier it will be to resolve. Send your dispute by mail, along with any documentation showing you paid the bill or that the debt isn’t yours, and your score may increase substantially.
I can’t rationalize a merger between Alaska and Virgin America as much, though. They have completely different fleets, completely different corporate cultures, completely different approaches towards their onboard products, completely different frequent flyer programs, and brand equity which isn’t really combinable.
Well, unfortunately it looks like that’s the merger which is happening.
Alaska Airlines is expected to buy Virgin America in a ~$2 billion deal as soon as the next few days.
Per The New York Times:
Alaska Airlines is near a deal to buy Virgin America for about $2 billion, a person briefed on the matter said on Saturday, describing a move that would unite two popular smaller airlines in the latest round of consolidation in the industry.
An announcement could come as soon as Monday, said the person, who spoke anonymously and was not authorized to speak about the matter, and who cautioned that details were still being negotiated and the talks could fall apart.
Alaska squared off against JetBlue, with final bids being entered in recent days.
Like I said, I really can’t rationalize this deal, and specifically how Alaska values a takeover of Virgin America more than JetBlue does. Alaska has always been successful because of what a lean, disciplined operation they run. I think with this merger we’re finally reaching the point where airlines are merging “just because,” given that virtually all US carriers are turning profits. But presumably that’s only cyclical, and the economy and/or oil prices will change things up again at some point.
Last time I wrote about the potential of an Alaska and Virgin America merger, a lot of people thought I was crazy for suggesting it doesn’t make sense. So I figured I’d address a few of the points people disagreed with me on (the quotes in bold are some of the points people made):
It looks like Alaska will be taking over Virgin America, and that it could happen as early as this coming week. But I have to wonder what they’re thinking with this merger. Just about the only thing these two airlines have in common is that they’re smaller carriers. Other than that they’re so different, and not in the sense that they’d complement one another.
Alaska and Virgin America are two brands which a lot of consumers love, but for very different reasons. Unless they plan on running two separate operations, there’s no way they can combine the two brands without losing what makes them special.