Note that while you can close a card via secure message or chat without having to call up, typically if you call up, the retentions department may offer to waive the fee for another year or give you miles to keep the card. Even if they don’t do that, many cards can be downgraded to a free version and you’ll get a refund of the annual fee. You typically have between 30 and 60 days from when an annual fee is billed to have it refunded if you close a card though some people have had success getting a fee refunded by cancelling a card for up to 6 months after being billed. … [Read more...] about Building Credit And Credit Card FAQs: Your Questions Answered
Best business credit card signup bonus
Expanded award ticket availability: Cardholders have access to expanded saver coach award availability (XN class), last seat standard coach award availability (YN class), and last seat standard business/first class award availability (JN class). It’s not just slightly expanded. There is a world of difference between the availability that cardholders can access and the availability for non-cardholders. You can read more about expanded availability and its minutiae in this post or in this post. As you have better access to saver coach awards you’ll also have better ability to do Plan B awards. Plan B allows you to redeem for saver business and first class awards when there’s only saver coach available. Read more about Plan B in this post. Basic Economy restrictions avoidance: Premier members and their companions can take advantage of priority boarding, free checked baggage, and free carry-on baggage, even when flying on a basic economy fare. … [Read more...] about Richest Signup Bonus Ever For The Chase United Club Card With Club Membership, 2 Free Checked Bags, And Waived Close-In Fees!
Business card information, benefits, and 5/24 2 of the cards in the chart above are business cards, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field. … [Read more...] about 1 Hour Left! Amazing Limited Time Offer: Signup For A Southwest Card And Get An Unlimited Use Free Companion Pass And 30,000 Points!
Ironically, I think the United Explorer card is still the best co-branded airline card and is a must have for United flyers. The Club card can still make sense if you need the club membership and don’t care about the new restrictions or if you need the extra free checked bags a few times per year, but the case for keeping the United Club card is worse than ever. … [Read more...] about Here’s How United Transformed Their Premium Club Card From Hero To Zero; The Worst Credit Card Devaluation Of All Time?
The Chase Southwest Consumer Priority card has a signup bonus of 30K Southwest points and a companion pass valid through 12/31/19 for spending $4,000 in 3 months. The card offers some amazing benefits for Southwest loyalists including 4 annual A1-A15 boarding upgrade certificates, $75 in annual Southwest travel credit, 7.5K Southwest points upon every card anniversary, 20% off in-flight purchases, and the ability to earn tier points towards A-List status. $149 annual fee. The Chase Southwest Consumer Premier card has a signup bonus of 30K Southwest points and a companion pass valid through 12/31/19 for spending $4,000 in 3 months. The card offers 6,000 points every card anniversary, and has no foreign transaction fees. $99 annual fee. The Chase Southwest Consumer Plus card has a signup bonus of 30K Southwest points and a companion pass valid through 12/31/19 for spending $4,000 in 3 months. The card offers 3,000 points every card … [Read more...] about HOT! Limited Time Offer: Signup For A Southwest Card And Get An Unlimited Use Free Companion Pass And 30,000 Points!
Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score. … [Read more...] about Limited Time Offer: Earn A Whopping 75,000 Miles On The Awesome United Explorer Business Card!