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Credit

Are You On the Credit Bureau VIP List?

by Luke Landes

If you’re a celebrity, politician, or otherwise in the public eye, you may be on VIP lists maintained by the credit reporting bureaus, granting you a different level of customer service. According to lawyers who have sworn testimony from employees, this two-tiered system favors the well-connected by granting them access to immediate corrections on erroneous ... Continue reading this article…

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TrueEarnings Card from Costco and American Express Review

by Luke Landes

In 2009, Congress passed enacted laws that require credit card issuers to be more direct with their terms and conditions. Companies can no longer get away with double-cycle billing and hidden fees, which were costing customers millions of dollars every year. There are still a few items found in the fine print that customers often ... Continue reading this article…

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American Express Gold Card Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. While the credit card market continues to change due to new regulations, American Express and its line of charge cards have not. For decades, American Express has offered three different charge cards, each well known because of their color. Whether ... Continue reading this article…

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Ordering a Replacement Credit Card Due to Magnetic Stripe

by Luke Landes

When the magnetic stripe on the back of your credit card stops being effective more than two years before the card’s expiration date, you may take this as indication that you swipe the credit card fairly often. Maybe this is a frequent occurrence, but this is the first time this has happened to me. Over ... Continue reading this article…

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Citi Diamond Preferred Card Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. When looking for a new credit card to place in your wallet, there are a variety of factors you should always consider. First of all, credit cards are not for everyone. In order to take advantage of the rewards that ... Continue reading this article…

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Blue Cash Everyday Card from American Express Review

by Luke Landes

****EDITOR’S NOTE: THIS OFFER IS EXPIRED AND IS NO LONGER AVAILABLE**** Since last summer, credit card offers have been a bit of a mixed bag. While rewards programs and sign-up bonuses have been increasing, the issuers have also been increasing fees and interest rates. If you use a credit card, always make sure to pay ... Continue reading this article…

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Bank of America Warning: Credit Card With 30% APR

by Luke Landes

Don’t let anyone convince you that credit card companies are having a hard time dealing with new regulation. I received a warning in the mail yesterday from Bank of America. In fact, I received two warnings, in separate packages, related to the two Bank of America credit cards I own but do not currently use. ... Continue reading this article…

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Gold Delta SkyMiles® Credit Card from American Express Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. There once was a time that pulling out your “gold card” showed you were an important person in the world. If you can remember that far back, you know that credit card issuers reserved gold status for people with high ... Continue reading this article…

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Escape by Discover Card Review

by Luke Landes

I’ve covered many of Discover’s cash back opportunities, but I haven’t written about some of the other credit cards they offer to consumers. Discover also produces a wide variety of student credit cards and points rewards credit cards. Their most prominent travel rewards credit card is the Escape by Discover® Card. This card has a ... Continue reading this article…

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British Airways Visa Signature® Card Earn Miles Toward International Flight

by Luke Landes

Editors Note: This offer is no longer available. It’s never completely safe to sign up for a credit card due only to its initial bonus. Many cards entice customers by offering a decent cash back bonus, then turn around and charge a high annual fee with a ridiculous interest rate. Before you know it, you’re ... Continue reading this article…

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Chase Freedom® $100 Cash Back Bonus Credit Card

by Luke Landes

One of my favorite cash back credit card offers has always been the Chase Freedom® card, primarily because of the initial bonus offer combined with a great cash rewards program and low APR if you apply with excellent credit. The Chase Freedom® card provides all new Chase cardholders a $100 statement credit after spending $500 ... Continue reading this article…

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Ink Classic Business Card

by Luke Landes

You may have noticed that I’ve reviewed a few different versions of the Chase Ink small business product line, including a charge card designed for ultimate purchasing power and a cash back card offering big bonuses for maximum spending. The Ink Classic® Business Card is a rewards business card offering bonus points in addition to ... Continue reading this article…

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Discover More Card Review

by Luke Landes

Twenty years ago, Discover was considered the joke of the credit card world. Discover cards weren’t accepted anywhere, and people who owned a Discover card were sometimes embarrassed to take it out of their wallets. Even just a few years ago, Discover was the butt of a joke on the cartoon Family Guy, where Peter ... Continue reading this article…

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Increase Your Credit Score

by Luke Landes
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Somewhere along the line, American consumer society has progressed to the point where access to debt is almost essential to living a middle class life. If owning a house is the modern American dream, most Americans wouldn’t be able to achieve this without the help of the finance industry. As a result, our finances rely ... Continue reading this article…

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PenFed Credit Cards Review

by Luke Landes

Even though you’ve probably seen hundreds of commercials for Discover, Citibank, Chase, Capital One, Bank of America and American Express, the best credit card issuer continues to be Pentagon Federal Credit Union, and their line of six — only six — credit cards, three of which we list below. PenFed is a credit union designed ... Continue reading this article…

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Marriott Rewards Credit Card Review

by Luke Landes

The small percentage of people who optimize their credit card rewards require using specific credit cards for specific types of purchases. Maximizing these rewards requires willpower, and possibly at least ten different cards. One travel rewards card would be used to book flights and pay for other travel expenses, one gas rewards card would be ... Continue reading this article…

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Ink Plus℠ with Ultimate Rewards℠ $100 Bonus Cash Back

by Luke Landes

Editor’s Note: This limited-time offer has expired. One of the more difficult credit cards to be approved for is a small business credit card. Many small businesses that are just starting out don’t have the credit necessary to be approved for a high-end credit card. Therefore, small business owners often need to put their personal ... Continue reading this article…

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Blue Sky from American Express Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. Most American own multiple credit cards, sometimes as many as ten. Is this overkill, even though credit cards can be valuable tools? Perhaps. For anyone who optimizes credit card rewards, while trying to minimize the typical effect of increased spending ... Continue reading this article…

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Chase Eliminating Debit Card Rewards

by Luke Landes

JP Morgan Chase Bank is not done changing its programs in apparent response to new regulations against fees. The large bank is increasing ATM fees to $5 for non-customers and considering limiting debit card transactions to $50 or $100. Now, Bloomberg News is reporting that they are eliminating their debit card rewards program. Debit card ... Continue reading this article…

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The Best Secured Credit Cards, August 2015

by Luke Landes

Even though credit card companies make money on consumers who use them poorly, a consumer with poor credit will have a very hard time getting approved for an unsecured line of credit. One of the few ways someone with a bad credit history can improve their credit score is by signing up for a secured ... Continue reading this article…

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