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Huge! 15% Discount On Delta Award Booking As A New Benefit On Delta Cards – Here Is What You Need To Know

Last week, Amex introduced a new and exciting benefit to the Delta cards. Cardholders get a 15% discount when booking an award flight on Delta using Delta SkyMiles! This is a great feature and it makes having a Delta card grand, especially if you fly Delta often. 15%...

New Offer! Earn 30k Points Plus A Companion Pass With Southwest Personal Cards

Chase released new offers on the 3 personal Southwest cards. Earn 30,000 points plus a Companion Pass (through 02/28/24) after spending $4,000 within the first 3 months. It’s exciting that you can get a companion pass for free. However, with Southwest cancelling...

Good Credit Cards To Choose For Starting To Build Credit

Applying for your first credit card can seem daunting. There are so many cards to choose from and there is always the risk of getting declined. Here are some points to consider when choosing your first credit card and also some direction of which cards to choose to...

New Offers On Delta Cards – Earn 70k-100k Bonus Points!

Take-off with a couple of great bonus points! Amex just put out new offers on 3 personal Delta cards and 3 business cards. The new offers are around for a limited time only, set to expire on 03/29/23, so make sure to get it while you still can. With these Delta...

The 10 Best Credit Card Offers For February [2023]

It’s this time of the month again. Here are the best offers of February 2023. Many offers are at an all-time high. Catch them before they expire!

Got Declined For A Chase Ink Card? How To Overturn The Decision

Many people are jumping to apply for the Ink Cash and the Ink Unlimited cards due to the all-time high offer of 90k points after spending just $6k in 3 months. If you apply for both, you can get a total of 180,000 points!  But what if you applied for an Ink card and...

Are Credit Card Points At Risk? The Credit Card Competition Act

We are so used to the credit card game as we know it. We are all enjoying lucrative rewards and free travel. But two senators out there are proposing legislation that might stop it or cause tremendous hiccups.  U.S. Senate Majority Whip Dick Durbin (D-IL) and U.S....

New Guide! How To Earn Points To Travel For Free

I’ve been traveling for free for the past few years. Now’s your turn. With our newest guide – How To Earn $10,000 In Free Travel, you will learn the ropes of earning points towards free travel. It’s really exciting! We put many hours into creating this guide...

Piggybacking Credit- Everything You Need to Know

Piggybacking credit is having a third party, a creditworthy individual, add you to their credit card as an authorized user. This allows you to receive the credit benefits from that account, helping you improve your own credit score fast.

Chase Ink Cards FAQs. Let’s Get The Conversation Rolling

Chase has 4 ink cards. New – Ink Premier ($195)   Ink Preferred ($95)  Ink Cash ($0) Ink Unlimited ($0)

What Will Build My Credit Faster: A Credit Card Or Mortgage?

The title of this post is a question and let me first start with the answer. The answer is credit cards. And not only are credit cards faster, you actually cannot attain a real, solid, credit with only mortgages, ever (even if you have mortgages opened for many...

Key Differences Between An Authorized User And A Joint Account

If you own a credit card, you most probably already heard the term Authorized User, but have you ever heard of a Joint or Co-Applicant?  Joints and co-applicants are a much less common term in the world of credit cards, as it is not even an available option by most...

Building Credit Using A Student Card Rather Than A Secured Card

You can’t build credit without a credit card, but you can’t get approved for a credit card without credit. That is the building credit catch 22. The old school solution was applying first for a secured credit card. With a secured credit card, the bank asks you for a...

Does Carrying A Balance Help Build Credit? (Myth)

Many people believe that carrying a balance will help them build credit or up their chances of getting approved for a credit card. People think that if they pay interest then the bank is making money off them (that part is true!).  So if the banks are making money,...

New Guide! How To Earn Points To Travel For Free

I’ve been traveling for free for the past few years. Now’s your turn. With our newest guide – How To Earn $10,000 In Free Travel, you will learn the ropes of earning points towards free travel. It’s really exciting! We put many hours into creating this guide...

What Is Trending In The Credit Card Database?

Our Credit Card Database is a great resource where you can find real time data about credit card approvals. Fellow users are constantly submitting their credit card approvals and denials, and there are currently over 3k results reported!  Let’s look at some data...

Closing The Book On 2022. Here Is What We Have Accomplished

We’re here once again – reviewing what we’ve accomplished in 2022! We work tirelessly to refine and build HelpMeBuildCredit year after year. So much has happened, it’s hard to believe it all came through within the year. Here are the highlights of 2022 before we...

New And Improved Filters To Make Your Credit Card Search Easier

In the past few months we’ve been adding new and improved filters to our Ultimate Credit Card Finder. We’re always eager to refine the filters and make your search for a credit card a lot easier. Here’s a breakdown of the newest features added to the Ultimate Credit...

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