In just the 10 days of 2018, I have gotten 2 new credit cards, the Chase Hyatt card and the Citi/AAdvantage Platinum Select World Elite MasterCard. I have a hard time not applying when I think my approval chances are good and I can score some quick bonus points and this is usually the case. When the […]
Category: Credit Card Applications
My First New Card Of 2018-The Chase Hyatt Visa
I didn’t have plans to apply for a new credit card yesterday, but various factors led to my application and subsequent approval for the Chase Hyatt card. First, I got an email from World Of Hyatt inviting me to apply for the card. Recall that with the card, you get 40,000 World Of Hyatt […]
Rob Is Saying Goodbye To His Barclays Hawaiian Airlines Card But Hello To A Barclays Arrival Card
Back last year, Rob got an offer on the plane back from Hawaii and signed up for the Barclaycard Hawaiian Airlines World Elite MasterCard.. He got a very nice line of credit with the card. Once Rob secured the 50,000 HawaiianMiles from the bonus offer, he stopped using the card. Fast forward a year later, […]
For Chase Cards-Hope That You Are Not Limited By The 5/24 Rule
Chase has a rule pertaining to new credit card applications that we call the 5/24 rule. The rule states that if you have gotten five new credit cards within the past 24-months, you will not be approved for a new Chase credit card application. Note, in counting the five cards, it is important to note […]
Don’t Let Recent Applications Prevent You From Taking Advantage Of Great Bonus Offers
You may be hesitant to take advantage of certain bonus offers because you have recently applied for one or more cards with other bonus offers. Many times, it is wise to wait, especially since you may have trouble meeting the minimum spend requirements on multiple offers, not to mention the numerous credit inquiries you will […]
High Credit Limits Are Helpful In The Points And Miles Game
One of the easiest ways to rack up points and miles is by getting cards with big sign up bonuses. Recall, if the only way to get a card, that you want, is by asking for a small credit limit, then take the small credit limit. It is a means to an end. However, generally, […]
The Difference Between A Charge Card And Credit Card
What is the difference between a charge card and a credit card? A charge card does not have an interest rate and requires you to pay your balance in full at the end of each billing cycle instead of making payments on the balance over several months. Generally, charge cards don’t have a preset credit limit, […]
Ask To Have A Portion Of Your Credit Transferred From One Of Your Other Cards From The Same Bank
Sometimes a bank may be hesitant to approve you for a card because you may have recently gotten a card from the same bank. For example, a bank such as Chase, may approve you for one card every 6 months. I personally at times have gotten around this by calling them on the phone and […]
Ask For A Small Credit Limit
If your credit application is not approved immediately and they ask you to wait or to call, consider asking for a very small credit limit. After all, many times you are only getting the card to meet the minimum spend to get the sign-up bonus, so why do you need a large credit limit anyway? […]
Find Good Credit Card Point Bonus Offers And Take Advantage Of Them
Be on the lookout for good credit card point bonus offers and take advantage of them. Many credit card companies offer big point bonuses when you meet certain minimum spend requirements in a given amount of time. In addition, within many of these offers, the annual fee is waived the first year. A few years […]