Your FICO credit score is basically determined by how you rate in 5 FICO categories. The first 2 categories, payment history and outstanding debt, account for almost 2/3 of your credit score. 15% of your credit score is based on the length of your credit history. You will rate high in this 15% […]
Category: Mom’s Tips
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? […]
What Makes Up Your Credit Score
Your credit score is the score that credit card companies use the most when deciding whether to approve your credit card application and at what interest rate. The score was developed by FICO, a company that specializes in what’s known as “predictive analytics.” In simple terms, FICO takes your credit information and uses it to […]
Earn Airline Miles Instead Of Wyndham Rewards Points At Wyndham Resorts
As a members of the Wyndham Rewards Program, we know you can earn Wyndham Rewards points when staying at a Wyndham hotel. In fact, Wyndham Rewards members earn ten points for every eligible dollar spent. But what if you are in the market for airline miles instead? Although the earning capacity for miles […]
Consider Using An Online Hotel Booking Site That Offers Airline Miles For Stays
There are some online hotel booking sites that have partnered with many frequent flier programs to offer bonus miles to members that book and stay at hotels reserved through the booking site. Two worth mentioning are PointsHound and Rocketmiles. Both sites offer the ability to earn miles with some notable airline loyalty programs during your hotel […]
Rocketmiles
I just joined Rocketmiles and although we typically do not pay for hotel stays, I will let you know if and when I use it. Rocketmiles, similar to PointsHound, is an online hotel booking site. It has partnered with many frequent flier programs to offer bonus miles to members that book and stay at […]
If You Have An Amex Platinum or Gold, Don’t Forget To Bring It To Pay For Baggage Fees
Recall that every year, American Express Platinum and Business Platinum card members receive up to $200 a year in statement credits when incidental fees, such as baggage fees, flight-change fees, in-flight food and beverage purchases, and airport lounge day passes, are charged by the airline to your Platinum card account. In addition, with the American […]
How We Used Rob’s Marriott Category 1-4 Award Night 3 Days Before The Expiration Date
Greetings from Telluride! Our flight was scheduled to leave this past Sunday at 7am. There was a big snowstorm predicted Saturday night into Sunday morning. More snow in New York? What else is new? I was nervous. A car was scheduled to pick us up Sunday at 430 […]
British Airways Family And Friends
\ If you have an Executive Club Household Account, you can create a List of Family and Friends, so you can spend your Household Avios on more people who don’t live at the same address as you. The Family and Friends list allows Executive Club members who are part of a Household Account to redeem […]