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10 Strategies to Increase Your Credit Score in 2016
Do you have big travel plans next year and want to apply for credit cards that offer rewards to help you get there for free? Or is 2016 the year you plan to become a homeowner? Then now is the time to spruce up your credit score. Here are 10 strategies you can use to get instant approvals on those rewards cards or the lowest possible rate on your mortgage. Check for Errors on Your Credit Report The first step to a better credit score is knowing what’s in your credit report. There are three companies that report on your credit: Equifax, Experian, and Transunion. Visit annualcreditreport.com for more information on obtaining…
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Credit Card Annual Fees: Are They Worth It?
There are those who would never apply for a credit card that charges an annual fee. Why pay when there are so many other cards that don’t charge one? A valid question, and the answer depends on your spending and lifestyle habits. As you’ll see below, in some cases, those fees could be well worth paying. Annual fees can top out at over $400 for some premium credit cards, but they can include access to airport lounges such as American Airlines, Delta, or United. These private lounges offer travelers free food, snacks, complimentary beverage service, comfortable seating, free WiFi, clean facilities, and other luxurious perks not available to the general public. If you fly frequently…
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Chase Freedom Ultimate Rewards vs Sapphire Preferred Ultimate Rewards: Know Your Points!
When it comes to getting the most out of your Ultimate Rewards points, it’s essential to know which points you have, so that you can determine if you’re redeeming them for the highest possible value. I’ll explain the differences to make sure you’re not leaving money on the table. Chase has two flagship credit cards: Freedom and Sapphire Preferred. Every dollar you charge to these two cards earns you points in the Ultimate Rewards program. While each card shares the “Ultimate Rewards” name, there are important differences in how you can redeem your points. Chase Freedom Ultimate Rewards There 6 ways you can use the Ultimate Rewards (UR) points that…
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Cashback vs Rewards Credit Cards
Do you dream of luxury travel, flying in first class and staying in expensive hotel suites–and doing it all for free? Or do you prefer cold hard cash? Ok, I know… you like both! Who doesn’t? But when you start looking for the right credit cards that will give you the best rewards for your own personal spending habits, it’s best to focus on only one type: cashback or rewards. There are countless credit cards out there, all different and each competing for your spending. You certainly can’t apply for all of them, and you shouldn’t apply for any of them without doing your research first. There are cards that,…
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