Good morning everyone, I hope you all had a great weekend. In March, I wrote a blog post where I contemplated applying for 10 credit cards during my March App-O-Rama. In April, I shared the results of my App-O-Rama. And then in May, I wrote My March App-O-Rama Credit Card Sign Up Bonuses Post. One noticeable exception to that last post was the 40,000 Go Far Rewards Points sign up bonus for my Wells Fargo Propel World American Express Credit Card. I patiently waited for the sign up bonus to post, but it seemed like the points got lost (insert bad joke that Wells Fargo is still using horse-drawn stagecoaches to deliver sign up bonuses and maybe a bank robber intercepted my points).
Good morning everyone, I hope you are all having a great week. By the time you read this post, I will be ATVing around the island of St. Kitts (I know, tough life). Anyway, I wanted to talk about one of my favorite topics – credit card sign up bonuses. In March, I discussed Which 10 Credit Cards am I Considering for my March App-O-Rama and then in early April, I wrote about my March App-O-Rama Results. In this post, I will share with you my plans (if any) for redeeming my miles and points. If you have any better suggestions than the ones I share in this post, please let me know in the comments. Thank you!
To get started, I was approved for the Bank of America Alaska Airlines Visa Signature Credit Card and the Bank of America Alaska Airlines Business Credit Card. Both credit cards offered 30,000 Alaska Airlines miles after spending $1,000 in 3 months along with an Alaska Airlines Companion Ticket (which can now be used on Virgin America). I have a few other Alaska Airlines Companion Tickets in my Alaska Airlines account, so I will probably not use them all. 60,000 Alaska Airlines miles is worth ~$900 to me (valuing Alaska Airlines miles at 1.5 CPP). I don’t have an exact use in mind, but I like flying on Virgin America first class when I fly from SFO to JFK.
Good morning everyone, happy Thursday. My last App-O-Rama (where I applied for several new credit cards at the same time) was back in mid December 2016. I usually wait 3+ months between App-O-Ramas, so the time has come to start my next round of credit card applications. I am going to list the credit cards I have in mind in the order in which I will probably apply for them. If you have any feedback on my strategy or think I am missing or applying for the wrong credit cards, please leave a comment below. Without further ado, let’s begin…
1. American Express SPG Business Credit Card – 25,000 SPG points after spending $5,000 in 90 days and an additional 10,000 SPG points after spending $3,000 in 120 days. No annual fee the first year, then $95 in the second year.
With the impending merger with Marriott, this might be my last opportunity to apply for the SPG business credit card. I can’t pass up this opportunity. 35,000 SPG points are worth ~$700 in hotel nights and airfare (and possibly much more).
2. Bank of America MERRILL+ Credit Card – 50,000 points after spending $3,000 in 90 days. No annual fee.
Updated 8pm PT on 8/3/2015: revised title of the post to make the title more relevant and specific to the issue.
Good afternoon everyone. A few days ago, I received a Chase QuickPay payment from my friend. It was my first time receiving a Chase QuickPay payment and I thought it would be a very simple, straightforward process of accepting the payment and having the funds get deposited to my Chase Total Checking account. Unfortunately, the process was not very simple, but with a quick fix, the problem was resolved. After clicking the Log In button from the Chase QuickPay payment email, I logged into my Chase account.
Chase, Wells Fargo, and other Banks Create Voiceprints from Calls to Prevent Fraud
Starting soon, you may hear the following message when you call your credit card company: “This call may be monitored, recorded and processed for quality assurance and fraud prevention purposes.” The statement is slightly different than the usual, “This call will be monitored or recorded…” According to a CNBC article published a few hours ago (link), credit card companies (especially Chase and Wells Fargo) are investing in “voice biometric technology to screen calls for signs of fraud.”
The banks can compare the voice on the phone to previously recorded and analyzed phone calls to determine if it is actually you on the phone, rather than an identity thief impersonating you. The system is even able to recognize voices and determine if they are blacklisted for previous attempts at fraud. Continue reading