The Expertise & Guidance You Need for Better Credit

Find your way through the credit maze with helpful advice, grab-worthy offers, and industry insights all in one place.

  • Read tried & tested tips for building your credit
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Why You’d Want To Get The Amex Blue Cash Preferred Right Now

Promoting!   I’ve always promoted the Amex Blue Cash Preferred card, but now I’m promoting it even louder. Last week Amex has released a new offer, higher than ever; earn $300 after $3,000 spent within the first 6 months and get the $95 annual fee...
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Are Credit Cards Still Approving? October Update

When Covid hit we got daily requests from people wanting to know if credit cards are still approving. People also wanted to know which cards were worth applying for. We got so many requests that we decided to invest a few thousand dollars and built a credit card...
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Updated: Master List Of COVID Benefit Changes To Amex, Chase, Capital One, And Citi Credit Cards.

Credit card issuers are giving a mini-stimulus package to many of its cardholders. Benefits include statement credits, added benefits, annual fee credits, and more. Credit card issuers are making these changes in order to make their premium cards worthwhile even in an...
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11 Things You Want To Know Before Applying For The Chase Sapphire Preferred

  Chase Sapphire Preferred is a great credit card to keep in your pocket for all things travel. With the excellent new welcome offer of 80,000 points, along with the 2-points-on-travel, you can really put together some fantastic trips with the points you’ll...
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The X1 Credit Card And Why I Probably Won’t Sign Up

  Do you not have the best credit score but you still want to be able to swipe and earn rewards on a charming credit card?  There’s a new credit card being released this upcoming winter created by Thrive called the X1 card. The card is not available yet but...
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New Welcome Bonuses! Earn 50,000 – 70,000 Points On Four Delta Cards

New Welcome Offers On Four Delta Cards Great news! Delta has updated welcome offers on four of their cards. See below in full detail! Although traveling has slowed down a lot now due to COVID, these new welcome offers bring some hope to the near future. Now’s a...
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Choosing Between Freedom Flex, Freedom Unlimited, and Freedom

The Freedom Family   As the Freedom Flex card made it’s appearance on September 14, Freedom Chase cards are now a group of three 1) Freedom, 2) Freedom Flex, 3) Freedom Unlimted. You may be a cardholder of one of them and anticipating switching or applying...
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How To Get Approved For A High Credit Card Limit

Are you from the people who apply for a credit card and always just get approved for a silly $2,000 – $2,500 credit limit? That will not take you far. You want to be able to swipe like a king, especially when you want to apply for a 0% APR Credit Card and want to get...
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Kosher DoorDash Restaurants- Get Free Super With Sapphire Reserve

Kosher Restaurants With DoorDash    Last January, Chase added a $60 annual DoorDash credit to the Sapphire Reserve card. The credit can be used once until 12/31/20 and again from 01/01/21 – 12/31/21 which equals a total of $120 in DoorDash credits. Chase...
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Decline in Delinquencies on Experian Credit Reports

  The Credit Reports Report Fewer Delinquencies    Another strange thing about Covid-19. While many of us are surviving on a lower income or no income at all, Experian has reported fewer delinquencies on credit reports. A credit card, mortgage, loan, or auto...
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The 5 Most Important Factors In A FICO Score

The FICO score model is the mostly widely used scoring model. As per Fico, as much as 90% of lending decisions that are done using a scoring model, use the Fico scoring model. In this post we will discuss the 5 most important factors that Fico would look at in order...
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Getting Approved For A First Credit Card

Credit is not something you are automatically born with. It is something you need to learn how to build on your own. The best way to build your credit is by getting approved for credit cards. But, hey! How do you get approved for credit cards without credit? Stay...
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Building Credit With a Store Card

One of the classic, old school ways of starting to build credit was by first applying for a store card.  What Is a Store Card? A store card is a credit card offered by a store or brand, for example, Gap, Kohl’s, Home Depot, etc. The credit card is designed...
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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 did you ever hear 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...
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Why You’d Want To Get The Amex Blue Cash Preferred Right Now

Promoting!   I’ve always promoted the Amex Blue Cash Preferred card, but now I’m promoting it even louder. Last week Amex has released a new offer, higher than ever; earn $300 after $3,000 spent within the first 6 months and get the $95 annual fee...
Read More

Are Credit Cards Still Approving? October Update

When Covid hit we got daily requests from people wanting to know if credit cards are still approving. People also wanted to know which cards were worth applying for. We got so many requests that we decided to invest a few thousand dollars and built a credit card...
Read More

11 Things You Want To Know Before Applying For The Chase Sapphire Preferred

  Chase Sapphire Preferred is a great credit card to keep in your pocket for all things travel. With the excellent new welcome offer of 80,000 points, along with the 2-points-on-travel, you can really put together some fantastic trips with the points you’ll...
Read More

The X1 Credit Card And Why I Probably Won’t Sign Up

  Do you not have the best credit score but you still want to be able to swipe and earn rewards on a charming credit card?  There’s a new credit card being released this upcoming winter created by Thrive called the X1 card. The card is not available yet but...
Read More

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