Good afternoon everyone. I was recently approved for a US Bank Cash Plus Credit Card (still waiting for the card to arrive in the mail). However, the credit card already shows up on my US Bank online account with a link to enroll in Q3 cash back categories. This is my first time looking at US Bank’s cash back categories and here are my thoughts on the enrollment process and the cash back categories.
Good morning everyone. A few days ago, I was in an interesting predicament. I found an awesome United Airlines award, but I did not have enough United Airlines miles to book the award. *gasp* Worse though, I did not have enough Chase Ultimate Reward Points either. *double gasp* I’m not sure if you have been in this situation before, but it is not fun. Here are some of the options I considered:
Before I did anything drastic or embarrassing, I remembered that Marriott and United Airlines have a crossover relationship, whereby you can transfer miles into points or points into miles. Here is the Travel Rewards page on Marriott’s website. Marriott partners with many other airlines, but they have an exclusive relationship with United Airlines where you can get a “20% discount when you convert Marriott Rewards points to United MileagePlus award miles.”
I crunched the numbers and the transfer ratios range from 4:1 down to 2.24:1 (Marriott Points to United Airlines miles). Since I needed around 25,000 United Airlines miles, I selected the 4th option (56,000 Marriott Points = 25,000 United Airlines miles).
Good morning everyone. Last December, I applied for the JPMorgan Chase Ritz Carlton Credit Card which offered 140,000 Ritz Carlton Points (Ritz Carlton and Marriott points can be used interchangeably). During the approval process, the system created a new Ritz Carlton account number for me. After meeting the minimum spend requirement, I had an old Marriott account with 28,985 points and a new Ritz Carlton account with 150,000+ points.
Warning: if you are just starting out with rewards-earning credit cards, please do not apply for several credit cards at the same time. You are responsible for your credit history and credit scores. You have been warned…
Good evening everyone. Last month, I wrote July 2015: My 8 Credit Card App-O-Rama Game Plan and I shared my plans/reasoning for applying for the below 8 credit cards.
After listening to your feedback and suggestions, I decided to make some changes to my App-O-Rama plan. The table below shows the 7 credits that I ended up applying for. Here are my reasons for not applying for a few of the credit cards:
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.
