Fidelity AmEx (FIA) Credit Card Review (Discontinued)

Fidelity Investment Rewards American Express Card (FIA) Review Application Link This card no longer accepts new applications. See Fidelity Rewards Credit Card for the new Fidelity 2% card. Benefits Earn $50 after spending $500 in first 2 months. Earn 2% cash back on every purchase you make. No annual fee. Disadvantages FIA is an American Express card, which is not…
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Barclays Arrival Credit Card Review (Discontinued)

Barclays Arrival World MasterCard Review 2018.7 Update: It seems it is still possible to get this card via product change. Application Link This card no longer accepts new applications. If you have this legacy credit card, you can still enjoy its original benefits. Benefits Earn 20,000 Miles after spending $1,000 in first 3 months. Earn 2 miles per $1 spent…
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New Student Special: How to Build Good Relationships with Banks

  If you think only credit scores can decide your successful application for a credit card, you are totally wrong. In fact, your credit scores and credit reports should be considered when you apply for a credit card. Besides, your relationship with banks is also a crucial element during your application process. We have mentioned it in many posts. For…
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Earning Miles through Bonus Offers in US, AA, AS, DL Online Shopping Portals (Expired)

Various shopping portals, including United MileagePlus Shopping,American AAdvantage eShopping,and Alaska MileagePlan Shopping, have recently provided similar bonus offers. That is you can obtain certain amount of bonus miles besides original miles after you have reached a certain amount of consumption through portals. The bonus offers of the three shopping portals above are open to everyone now. If you have consumption…
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Chase Private Client (CPC) Account Review

What Chase Private Client (CPC)? Chase Private Client (CPC) is a kind of privileged client from Chase. When you become a CPC, there will be 2 Private Bankers serve you any time, they can answer your phones, reply to your emails, offer you investment suggestions, etc. It’s more like a private consultant service. What’s the requirement to become Chase Private Client…
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Credit Score Influence of High Utilization on One Single Card and Statement Balance on Many Cards

Recently I conduct a small test about credit scores focusing on the two following points: It is often said that credit scores will be reduced if your many credit cards all have statement balance. Is it true? If the answer is yes, how much influence is it? How much influence should High Utilization Ratio of one single card make? The…
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A Beginner’s Guide to Asiana Airlines (OZ) Asiana Club Miles

As a member of Star Alliance, Asiana Airlines (OZ) ranks No.2 in South Korean airlines. It operates many North American routes and provides much better service than many North American airlines. Very often, it offers affordable economy class and business class seats. OZ and South Korean No.1 airline – Korean Air (KE) not only have close destinations and similar service,…
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Discover + Apple Pay = 22%, 23% or 30% Cash Back! (Expired)

2015.11.03 Update: People are starting to receive their 10% cashback. You need to wait for the second statement after the purchase to get this cashback, if you still don’t receive the cashback, please be patient. The datapoints show that, Discover really has the ability to distinguish whether you bought gift cards, you won’t get the 10% cashback for gift cards…
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A Beginner’s Guide to British Airlines (BA) Executive Club Miles

Update: Starting from 2016.2.2, BA miles will be devalued. The reward flights in the north America that currently require 4,500 miles will cost 7,500 in the future, flights in others distances are not affected. Other than that, there might be bugs when you use British Airways website to search for American Airlines tickets. We suggest you use the AA website to…
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