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 This Is Why You Should Have A Chase Ink Cash Card: Earning 5 Ultimate Rewards Points Per Dollar On Amazon And Everyday Spending
Southwest chase visa credit card login
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
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!
With AMEX Premium car rental protection luxury cars and SUVs are covered. They had no problem covering the damage that the valet at the S. Regis Bal Harbour did to the Lincoln Navigator that Avis upgraded me to earlier this year. No messy paperwork required, just a quick online claim took care of everything. And yes, it will even cover the $75,000 scratch on the door of the Bugatti Vision Gran Turismo should you miraculously find yourself in a rented one 😉 … [Read more...] about Just How Amazing Are AMEX Credit Card Protections?
It offered 1.5 miles per dollar everywhere, which was very innovative at the time. However, in April 2016 Chase launched the no annual fee Freedom Unlimited Card, which also earns 1.5 points per dollar and those points are Hybrid Chase points which can be used for paid travel, cashback, or mileage transfers. In May 2017 AMEX struck back with The Blue Business℠ Plus Credit Card from American Express that earns 2 points per dollar everywhere, has no annual fee, and can transfer points into miles. Chase responded in May 2018 with a business version of their 1.5 points per dollar no annual fee card, the Chase Ink Unlimited. Chase is currently offering 3 points per dollar on a new Freedom Unlimited card signup. Earning “hybrid” bank points is far superior to earning miles locked into one carrier that are subject to painful devaluations. You can transfer them on demand when you need them without leaving yourself exposed to devaluations. Or you can redeem them for a myriad … [Read more...] about Here’s How United Transformed Their Premium Club Card From Hero To Zero; The Worst Credit Card Devaluation Of All Time?
Several services popped up that managed to quickly kill this widespread benefit as they automated the price drop claims process, which wound up costing the credit card issuers a fortune. Clearly they never heard of the PGFHGS (pigs get fat, hogs get slaughtered) mantra that is part of DDF culture. … [Read more...] about Which Credit Cards Still Offer Price Drop Protection?