Signing up for credit cards and getting the sign-up bonuses is one of the easiest ways to earn a nice stack of points and miles with very little effort. As long as you have good credit and can pay off your bills in full, this is a great place to start. You’ll soon see that besides all of the personal credit cards available, there are almost as many business credit cards. You’ll have twice as many sign up bonuses to choose from. That is, if you have a business.
There’s no shortage of websites that tell you the many ways you can have a business. It all sounds so easy and apparently, everyone has a business and can apply for a business credit card. Here are some examples I’ve seen:
- Do you sell anything?
- Do you provide any services you get paid for?
- Do you rent a property?
- Do you have a side job?
- Do you run a lemonade stand?
- Do you sell brownies at the local market?
Congratulations, you’re a business. Now go and sign up for a business card with this referral link!!!
Sometimes it might be that easy. However, other times it’s not. For instance, I had to prove to Chase that I do run a real business and it’s not as easy as it looks.
Continue reading “Want A Business Credit Card? Here’s How To Prove You’re A Real Business”
Happy Wednesday to all of our travel friends, both near and far! Here are some articles we’ve read from other bloggers (and other sources) that we think you may like, as well, so we’re passing them along.
Continue reading “How To NOT Earn Points & Miles, Restaurants’ “Resort Fee,” When Airlines Do Nice & Thoughtful Things, & More!”
It used to be easy to sign up for travel cards. When you hear stories from just a few years ago, they seem unbelievable today. That’s because the banks figured out what we were up to, basically signing up for a bunch of cards to get the signup bonuses and canceling them before we’d ever had to pay an annual fee. FREE POINTS! As you could imagine, the banks didn’t like that very much, but it wasn’t until the price of giving away all these rewards points was high enough that they did anything about it.
Their response was to put in some rules on new card applications. These rules vary for each bank and are continually changing. One of the most hated restrictions is Chase’s 5/24 rule.
At face value, it seems to be an easy rule to understand, but I still see constant questions online where people get confused about the details. What counts? What doesn’t? Why’d I get denied for a card? I’ll try to go over some of the most misunderstood parts of the 5/24 rule and explain what it means to you and if you should even care.
Continue reading “Eight Commonly Heard Questions Regarding Chase’s 5/24 Rule For New Card Applications”
Sorry to make a joke about a serious matter but at this point, what else can we do when it comes to the security of our personal data? The latest apparent data breach comes from Capital One but what difference does it make if it’s a bank or retailer like Target, a travel company such as Starwood (Marriott) or even a firm like Equifax who probably knows more about us than we do? Whoever it’s from, that’s some part of your personal information out there on the “dark web.” Does anyone even know what that means? If it’s so dark and secret how come banks claim they can do a search to find your information? If your info is on the ones that they know about, imagine how much is on the really hidden ones.
I’d bet that by this point, some information about everyone is out there for those who know how to find it. Anyone’s Hilton or IHG accounts been hacked? Know where that information comes from? The really dark web.
What can we do? We’re obviously not going to stop using the internet, buying things online, traveling or using banks.
Continue reading “At This Rate, I’m Going To Have Free Credit Monitoring For My Entire Life”
Perfection. Whether you’re a gymnast, ice skater, high diver, bowler or even a student getting back your exam, there’s just something special about getting a perfect score.
For some in the points and miles world or even those who care about their credit score, there’s something special about getting a perfect credit score. Now, having a perfect credit score doesn’t get you anything. I’m sure that there are those who would argue that if you have a perfect score then you’re leaving plenty of opportunities on the table.
Having a perfect score doesn’t open any doors for offers that a good or great score doesn’t provide. You’ll still be approved, or denied, for credit based on the criteria each bank applies to new requests.
So I never really paid that much attention to our scores, just a causal check every month or so to make sure something funky isn’t going on.
Imagine my surprise when I saw this.
Continue reading “Being Perfect Doesn’t Feel As Good As I Thought It Would”