Credit Score

Category Archives for Credit Score.

How to See When You Opened New Credit Card Accounts

If you are going to sign-up for more than one or two rewards credit cards, then my best advice is to get a simple but effective tracking system in place that will tell you when you got a card, what card it was, when you got the sign-up bonus, when the annual fee is due, when you closed the card, etc. It doesn’t have to be a fancy system, and it can be on a spreadsheet, on a piece of paper, in…

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Big Credit Card Offer: 80,000 IHG Points + $50 Statement Credit

While poking around on the IHG website today I stumbled across a pretty big credit card offer I wanted to be sure and share in case you hadn’t seen it.  To be clear, this isn’t any kind of affiliate link or referral, it is just the best offer I have seen for the IHG Rewards Club Select Credit Card from Chase (and better than the 70k affiliate offer I have!). The offer I saw for the IHG Rewards Club Select…

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#1 Travel Rewards Credit Card?

When you spend a large chunk of your waking hours talking about, researching, and writing about miles and points it is no shocker that it seems to become a common topic of conversation.  With my mom out of town, we invited my dad over to grill with us this weekend.  At dinner he didn’t bring a casserole, but instead he brought something better.  He showed me an article he printed from NextAdvisor.com about their Travel Rewards Credit Card Analysis since…

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Prepping for the Last Credit Card Churn of the Year

Just over every three months, I apply for rewards credit cards.  It is no secret that credit card sign-up bonuses are the quickest and easiest way to rack up a ton of miles and points in a hurry (at least for those of us lucky enough to be based in the US where the offers are plentiful).  Sure, there is the “work” of having to keep up with more credit cards than the average bear, manage deciding when to cancel…

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Great News for this Credit Card Churner

When most people first hear about credit card churning (applying for multiple rewards earning credit cards approximately every 3 months) their reaction is usually something along the lines of “Won’t that hurt/ruin my credit!!”. The reality is that for some folks it can temporarily hurt credit scores due to the increased number of inquiries and the decreased average age of account. Prior to churning cards my credit score was around 800 or so – often slightly above 800 (850 is…

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The Three Offers I Picked for My Credit Card Churn (and why I picked them)

On Friday last week I applied for three rewards-earning credit cards.  Many in the miles and points world refer to this as a “churn”.  The definition of “churn” can mean applying for the same card over and over, or it can mean applying for rewards earning credit cards in batches even if you have never had them before.  In this case my definition of churn is the latter. First, I looked at my credit scores and points balances to determine…

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3,000 Southwest Rapid Reward Points From Freecreditscore.com (Requires Two Paid Months)

Thanks to travelisfree on this Flyertalk thread for sharing a promo from Freecreditscore.com that will award 3,000 Southwest Rapid Reward points (worth $50 in Wanna Get Away Fares) after you have two paid months with Freecreditscore.com.  So, for $14.95 per month for two months = 29.90, you get two months of this credit score service and the equivalent of $50 in Southwest points. The Flyertalk thread referenced above mentions that these points may count toward a Companion Pass.  While that…

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Do Business and Personal Credit Inquires Made with the Same Bank on the Same Day Merge Into One?

Earlier this week when I posted about getting my two most recent rewards credit cards, a discussion started in the comments section (often my favorite part of the blog) about whether I should have done a business and a personal credit card from the same issuer, instead of a business and personal card from two issuers.  The thinking was that those two inquiries made on the same day, with the same issuer, would have “merged” into just one credit inquiry. …

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My Credit Score Aftermath: Ink Bold and US Airways MasterCard Applications

I like to post not only about getting great credit card sign-up bonuses, but I also like to post about what applying for those great cards does to my credit score.  I have always found that sort of information very interesting, so I think it is only fair to share my experiences in return.  I put the word like in quotation marks, because my credit score always seems to take a larger hit than the standard party line of “2-5…

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That Credit Card Application Did What to My Credit Score??

We all know that the huge hauls of 50,000, 75,000, and 100,000 miles are typically only to be had by credit card sign-up bonuses.  Unless of course you happen to get a purchase that amounts to 83,871 American Airlines Aadvantage miles for a $5.00 Verizon Wireless phone accessory honored.  🙂  In addition to the huge sign-up bonuses, rewards credit cards also help our family bring in lots of points just by everyday use.  There are dozens and dozens of rewards…

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