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 Reader Question: Which Chase Ink Card Should I Apply For?
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The Chase Sapphire Preferred Card is currently offering 50,000 Chase Ultimate Rewards points after $4,000 of spending within 3 months. The Chase Sapphire Reserve Card is currently offering 50,000 Chase Ultimate Rewards points after spending $4,000 within 3 months. The Chase Freedom Card is currently offering $150 cash back in the form of 15,000 Chase Ultimate Rewards points after $500 of spending within 3 months. The Chase Freedom Unlimited Card is currently offering $150 cash back in the form of 15,000 Chase Ultimate Rewards points after $500 of spending within 3 months. The JPMorgan Reserve card has the same offers as Sapphire Reserve, but is only available for JPMorgan Private banking clients. Current signup rules All of the cards above are subject to 5/24 restrictions, read more about that here. Note that business cards, even Chase business cards, do not get added to your 5/24 count of … [Read more...] about Ultimate Comparison Chart Of Chase Ultimate Rewards Cards; Supercharge Your Earnings By Creating Your Own Killer Quinfecta!
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 of all, United never charges any fuel surcharges. Other airlines like American collect massive fuel surcharges to fly on British Airways. Delta charges fuel surcharges to fly on some partners and if you originate in Europe and other regions. United will never collect a fuel surcharge and they have access to awards on 36 partner airlines which means better availability on more awards. … [Read more...] about Limited Time Offer: Earn A Whopping 75,000 Miles On The Awesome United Explorer Business Card!
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However, it’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count. … [Read more...] about Less Than 2 Hours Left! Highest Offer Ever! Earn A Whopping 75,000 Miles On The Awesome United Explorer Business Card!