Category Archives: Credit Cards

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Quick & Easy Credit Limit Increases with the Citi App (No Hard Pull or Credit Check)

Good morning everyone.  I wrote a similar post in 2019 but I thought it was worth a refresher (Easily Request a Credit Limit Increase (No Hard Pull) via the Citi App).  If you have a Citi credit card and use the Citi App, you can quickly and easily request a credit limit increase through the Citi App.  I will walk you through the steps and share the results of my 4 Citi credit limit increase requests.  Having larger credit limits help with your credit utilization ratio and there are no hard pulls or credit checks (all 3 of my credit reports are currently frozen and I didn’t receive any credit monitoring alerts after making the credit limit increase requests).

I will go through the steps on my Citi Rewards+ Credit Card, but the steps are the same for any Citi credit card.  To get started, sign into the Citi App and click on the credit card you want to do a credit limit increase on.  Then click the View Credit Limit, APR & More link.  Then click the Request an Increase link.

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Barclays Wyndham Rewards Credit Cards: Business Earner CC Online Portal & Personal Earner Plus Upgrade Offer

Good afternoon everyone.  I just received this email from Barclays regarding my Barclays Wyndham Rewards Earner Business Credit Card.  Beginning on August 15, 2021, you will now be able to access your credit card on the Barclays App and on the BarclaysUS.com, along with all of your other Barclays credit cards.  There are a few steps you might need to do first after August 15, so read on to find out.  I also discovered that there is an upgrade offer from the old no annual fee Barclays Wyndham Rewards Visa Credit Card to the $75 annual fee Barclays Wyndham Rewards Earner Plus Credit Card.

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I’m Back from Hawaii and a Preview of Upcoming Blog Posts

Good morning everyone, I hope your week is going well.  I just returned home from a relaxing trip to Hawaii with Laura for our 2 year wedding anniversary.  We spent 4 nights on the Big Island in Kona at the Waikoloa Beach Marriott Resort & Spa using 4 50K Free Night Certificates and then 6 nights on Kauai; 4 nights in Princeville and 2 nights in Poipu at 2 different Vacasa vacation rentals that cost 13,500 Wyndham Rewards Points per night (thanks to the 10% discount for Barclays Wyndham Rewards Earner Business Credit Card holders).

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Sunset view overlooking the pool and ocean at the Waikoloa Beach Marriott Resort and Spa

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Transfer Times from Citi ThankYou Points to American Airlines: Miles Posted 12-13 Hours Later

Good morning everyone, I hope you had a great weekend.  Yesterday morning, Frequent Miler wrote You Can Now Transfer Citi ThankYou Points To American Airlines, But Only For A Limited Time.  I decided to do a sample transfer of 1,000 Citi ThankYou Points (TYPs) to American Airlines to test the transfer times and see if the transfer was instant.  I submitted the transfer request at 9:19am and checked my American Airlines account a few minutes later.  Unfortunately, the transfer was not instant, so I set up an AwardWallet “Balance Watch” alert to see when the miles posted, so I could calculate the transfer time.  From my experience, the transfer took 12-13 hours to post.

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My AMEX Offer, Chase Offer, and BofA BankAmeriDeals Loading Strategy & Thoughts

Good afternoon everyone.  I’m a big fan of good AMEX Offers and Chase Offers, but I have received a ton of bad offers lately, so I wanted to share my loading strategy and thoughts.  I will also briefly cover Bank of America BankAmeriDeals at the end of this post.  Let’s get started with AMEX Offers.  I created this chart to divide up AMEX Offers into 4 separate buckets:

  • Good offers on all cards
  • Good offers on 1 card
  • Bad offers on all cards
  • Bad offers on 1 card

Unfortunately, most of the recent AMEX Offers fall into the “Bad offers on all cards” and “Bad offers on 1 card” buckets.  You will have to decide for yourself what you consider a good AMEX Offer vs. a bad AMEX Offer.  A good AMEX Offer is an offer that I don’t need to go out of my way to research or use.  A bad AMEX Offer requires a lot of research to look up the store or service, see what they sell, and figure out if it is worth the price.  I don’t spend much time with bad AMEX Offers.

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