Ever since we were young, we have been thrilled with rewards for good behavior. As babies, we learn to talk and deliver our talents in exchange of prizes or rewards. As we grow older, in elementary, we are given stars or medals for achieving a certain behavior. This continues until our adolescence, and even as we grow older, but in a more mature form involving money. Yes, even credit cards reward you nowadays for good spending behavior.
But what exactly is a good spending behavior? I don’t think good or bad spending habits matter that much to banks. What counts in the end of the day is how much you spend with their cards and how it benefits their economy. Banks … (more) May 31, 2009

Posted in Credit Card General, Promotional Offers, Rewards Comments Off

The summer months mark increase vacations for many Americans. Despite the current economic conditions causing many to make alternative travel plans this year, most are still planning to take a family trip or two. Going against counterintuitive wisdom is the potential to use credit cards to save money on vacations – but here are some tips to do just that!
First, you’ll need a cash rewards credit card that gives you cash-back on all purchases. You don’t necessarily want a travel rewards card, because some are too limiting in how you can redeem your rewards and travel benefits. Instead, select a quality cash back credit card and use it to get money back for everything you buy on the card. The … (more) May 8, 2009

Posted in Choosing Cards, Credit Card Tips, Money Saving Tips, Promotional Offers, Rewards Comments Off

Everyone knows that the FICO score is calculated to determine an individual’s overall credit risk. You have a 3 digit number between 300 and 850 which describes you to lenders. The higher your number, the less risky you appear to the lenders and the more likely you are to get approved for credit with good interest rates.
In addition to the FICO score, people are also rated on other categories and spending habits, including:
Revenue – using information from credit reports, lenders determine how much revenue a particular cardholder would likely generate for the credit card company.
Response Rate – a score given to individuals that describes how likely they are to respond to a credit card promotional offer. This … (more) April 25, 2009

Posted in Credit Card Advice, Credit Card General, Credit Card Tips, Promotional Offers, credit score Comments Off

Credit card offers start pouring into the mailbox for consumers at a relatively young age. Most high school graduates will begin receiving such offers before leaving home for college and many more will get offers and promotional materials while in college. The promotionals may seem like a great deal but for most of the recipients, they do not yet know how credit even works. Without a solid knowledge-base of credit, students can be facing a life-long battle with debt and other financial difficulties.
Here are 6 things college kids need to know about credit cards:
Introducing Your Own Credit Report – Opening a credit card account will also likely be the start of your credit report. As many teens can’t wait … (more) April 23, 2009

Posted in Choosing Cards, Credit Card Tips, Debt Consolidation, Promotional Offers, Report and Score, Student Comments Off

Don’t you just hate it when you  hear about a good deal after it’s too late to benefit from it?  Hopefully that won’t happen to you since you’re reading this right now!
Don’t miss out on getting $75 for doing nothing special the way that I did.  I still have steam coming out of my ears since I saw this information posted on some other blog out there after the fact. Why couldn’t it have been posted BEFORE I opened my Bank of America account?  WHY?!
I actually just opened a new checking account with Bank of America online with a friend about a week ago for a business thing we’re going to be doing together… we live in different states so we liked the convenience … (more) October 23, 2007

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