Category Archives: Credit Cards

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American Express Credit Card APR Based on Experian FICO Score (Effective July 3, 2019)

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Good afternoon everyone, I hope you are having a great Cinco de Mayo weekend.  I was reviewing my American Express statements and spotted this upcoming change on my American Express Blue Business Plus Credit Card.  I didn’t see the same message on my personal credit cards.  According to the statement, American Express is making changes to the way your APR (annual percentage rate) is calculated.  Effective July 3, 2019, American Express is going to base your APR on your Experian FICO score (aka credit score).  This personally doesn’t affect me since I always pay off my credit cards in full every month, but this change may affect some readers that carry a balance.

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How to Access Citi Flex Loan on Citi Credit Cards (Instant Cash Advance for 9.99% APR)

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Good afternoon everyone, I just saw this new feature on my Citi online account.  Citi introduced a new feature called Citi Flex Loan (learn more here) where you can basically get a cash advance up to your available credit limit.  If you need a higher credit limit, you can Easily Request a Credit Limit Increase (No Hard Pull) via the Citi App.  I am not saying this is a good idea, but I wanted to share the details with you in case you were interested.  After I logged into my Citi online account, I saw this big banner above my Citi Double Cash Credit Card.  I decided to check it out by clicking the View Offer button. FYI, my total credit limit is $7,700, but my current available credit limit is $7,685.87.

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Expecting an Ebates/Rakuten Quarterly Payment? Choose an eGift Card with up to a 15% Boost [Updated with Redemption Process]

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Updated 7:45pm on 5/1/19: I decided to redeem my cash back for a Nike eGift Card.  Scroll to the bottom of the post to see the redemption process.

Good afternoon.  Last year, I wrote a similar post: Expecting an Ebates Big Fat Check? Get up to a 20% Bonus with an eGift Card Instead! I decided to do an updated post with May’s quarterly payments.  I just got the following email from Ebates / Rakuten with an option to select an eGift Card with a boost of up to 15% vs. waiting for my Big Fat Check to arrive in the mail.  Let’s see if those eGift Cards are good deals and which merchants are offered.  I clicked the See All E-Gift Cards button in the email.

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Easily Request a Credit Limit Increase (No Hard Pull) via the Citi App

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Good morning everyone.  I stumbled on this a few days ago when I was using the Citi app to check on my Citi credit cards.  I found out that you can request a credit limit increase instantly through the Citi app and there is no hard pull (which would affect your credit score).  All 3 of my credit reports are frozen and I was able to request credit limit increases on all 5 of my Citi credit cards (and all 5 requests were instantly approved).  Here’s how… Sign into the Citi app, select the credit card you want to request a credit limit increase, and then click the Expand button beneath the card art.

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When Does the Annual Fee, Travel Credits, & Sign Up Bonus Post to the US Bank Altitude Reserve Credit Card?

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Good morning everyone, I hope you had a great weekend.  Last Thursday, I got 2 emails from US Bank regarding my credit card statement and a travel credit that posted to my US Bank Altitude Reserve Credit Card.  I got this credit card in my March App-O-Rama and wrote about Unboxing my US Bank Altitude Reserve Visa Infinite Credit Card: Card Art, Brochure & Welcome Letter last month.  I’ve been hard at work meeting the $4,500 minimum spend requirement to get 50,000 US Bank FlexPoints and was hoping the sign up bonus would post on my first credit card statement.  In this post, I will show you when the annual fee posts, when your travel credits will post, and when the sign up bonus will post to your account.

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