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
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Both cards currently offer their highest ever signup bonuses that are practically unheard of on no annual fee cards. It’s unknown if the signup bonus offer will be changing. Previously the Ink Cash signup bonus was $200-$300 in the form of 20K-30K Chase Ultimate Rewards points. … [Read more...] about Rumor: Changes Coming To The Lucrative Chase Ink Card Offers Tomorrow
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 Rumor: Changes Coming To The Lucrative Chase Ink Card Offers
Register your Chase Hyatt card via the link above and you’ll get $25 cash back if you spend $500 or more on internet, cable and phone services, shipping, and at grocery stores and movie theaters in November and/or December. … [Read more...] about Last Chance To Spend $500 In Select Categories On A Chase Hyatt Card And Get A $25 Statement Credit
Return protection works for items that cost $300 or less and can be used to return up to $1,000 of items per card per year. If the item is under $100 AMEX will typically issue an immediate refund. If it’s between $100-$300 usually an examiner will review the claim to ensure that the item isn’t on the excluded list. Usually the examiner will then issue a refund though on occasion AMEX will request that you email a photo of the item or mail the item in for a refund. … [Read more...] about Just How Amazing Are AMEX Credit Card Protections?
United Ex-CEO Jeff Smisek and current President Scott Kirby could write the sequel “From First to Worst,” but nowadays former USAirways CEO Doug Parker has the rightful claim on worst as far as airline operations go. Delta has the worst mileage program, though the other airline are trying so hard to catch up with them. … [Read more...] about Here’s How United Transformed Their Premium Club Card From Hero To Zero; The Worst Credit Card Devaluation Of All Time?