Tag: Application Strategy

One of the more confusing aspects of rewards travel is how applying for credit cards affects your credit score. Conventional wisdom has it that applying for more credit cards will negatively affect your credit score, and is somehow frowned upon by lenders and credit providers. But that’s not the case. A strong credit file with many credit accounts and a proven history of on-time payments is exactly what creditors want.

A "Player 2" can help you level up your points and miles hobby in a variety of ways. Learn more about what it means to team with other people while earning and redeeming points and miles, including how to stay organized, work together, and earn referral bonuses. Here's everything you should know about what a Player 2 is.

Continuing with its effort of adding "family" language to what now seems like all of its credit card offerings, American Express rolled out new terms on the American Express® Green Card. Yes, there are now more restrictions on who can receive a welcome bonus on the card. Here's what you need to know about the new terms attached to Amex Green Card applications.

If you're looking for information on how to get the Chase Sapphire Reserve®, we've got you covered. You'll pay a hefty annual fee to keep this card, but the benefits truly are second to none. Let's look at a few tips to increase your chances for approval if you apply, as well as what to do if you aren't approved right away.

For the third month in a row, Amex has added "family" restrictions to a card, now targeting the Blue Cash Everyday® Card from American Express and Amex EveryDay® Credit Card. Here's what family language is and how this could impact you.

Amex has been on a tear, making numerous changes to limit who can earn the welcome bonus on its cards. The latest victim: the American Express® Gold Card

It hasn't been a quiet week for Delta, and there's another change sure to make people unhappy: the introduction of a "family" rule on American Express' Delta co-branded credit cards. American Express and Delta offer numerous credit cards, and we've had numerous questions over the years from people wondering whether it's possible to earn the welcome bonus on all of these cards. Until today, the answer was an easy "yes." Now, it's muddier.

Capital One has added new 48-month terms to the application terms for many of its credit cards. And while this might feel restrictive, the silver lining is that this provides clarity over the vague terms on previous applications. Let's look at the rule and how it applies to your credit card strategy going forward.

Chase recently launched the Ink Business Premier® Credit Card with a massive $1,000 cashback bonus. Cardholders get a minimum 2% return on purchases and the card comes loaded with Chase's signature travel and purchases protection benefits. But is the new Ink card the best option for your business? Catch our comparison of the Ink Business rewards cards to see which card will give you the best return.

Quietly and without fanfare, Citi recently dropped the 24-month restriction from the terms and conditions of its Citi Rewards+® Card. If you are looking to reopen this card, this may be a great time to apply since it is unclear how long the restriction will be lifted.

If you need some extra time to pay down credit-card balances after the holidays, we’ve got a strategy that gets you an introductory 0% APR without the fees and restrictions of using a balance transfer. Avoid hundreds of dollars in fees and earn tons of points towards your next travel adventure.

There isn't a lot of great news in the travel world these days but Chase has some for new cardholders. Following the lead of American Express, Chase is extending the deadline to meet the spending requirements for new cardholders approved earlier this year.

Your credit is one of your most valuable personal assets. Later this year we'll see some changes to the modeling used with VantageScore credit scoring. Remember, there are two major models: FICO and VantageScore, with FICO still being used primarily by most major lenders.