How to maximize the Amex Platinum Card travel benefits (and other perks)

How to maximize the Amex Platinum Card travel benefits (and other perks)

[Update] New perks to the Amex Platinum card effective March 30, 2017:
Earn 60,000 bonus points after ,000 in spend within 3 months w/ the Amex Platinum:

Blog post outlining new benefits:

The Amex Platinum card comes with a hefty 0 annual fee. We show you how to maximize travel benefits like how to use the 0 airline credit and how to get Hamilton tickets at face-value.

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Is Discover It the best cashback credit card of 2017?

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Raise Credit Score Using Secured Card | How To Raise Credit Score Using A Secure Card

Raise Credit Score Using Secured Card | How To Raise Credit Score Using A Secure Card

Raise Credit Score Using Secured Card | How To Raise Credit Score Using A Secure Card

Mike explains in detail how to use a secure credit card to raise your credit score. Mike notes the biggest challenge is knowing how the credit bureau’s scores are calculated. Most people have no idea how scores are calculated, thus they do not know what to do to get their scores back in a positive range.

What to do if you have avoided credit the last couple years
This is a good strategy if you had a financial trauma, and your credit scores
have been damaged.

1) Simply, get a secured credit card, better to get two. These are credit cards that credit unions and small banks allow you to open when otherwise you might not be able to open an account.

2) Here’s what you do, put 0 bucks into one of their savings accounts.

3) You ask them if they will issue a credit card using the money in your saving account as collateral.

4) Make sure that they will report it to the credit bureaus. (Don’t forget to ask them this question, it is critical!).

5) Use the credit card for gas or some small expense items that you would otherwise use cash for.

6) Never let your balance go over 0, or 30% of your limit.

7) When the bill comes in, pay it immediately. (Leave a small balance, do not pay off to zero).

By using the card and paying the balance immediately, after 60 days your scores will start to move up.
The longer time you follow this method, the higher your score will go.

We can get you a loan when your score reaches 600, but the real goal is 640 because the
interest rate will be much better.

Feel free to call me if you have any questions about this 7 point plan to get your scores up.

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New Edition Feb 2016

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Rewards Credit Card – Most Popular Rewards

rewards credit card
by Pure Metal Cards

Incentives bank card are charge card that essentially award shoppers by providing them rewards for each and every buck that they invest. Incentives differ by charge card a good deal, but one of the most popular incentives credit scores cards use clients a wide variety of choices, such as cash money back, airline company miles and also electronic devices. But just how does a reward credit history card job? As well as where could you discover one?How it Works When you use your incentives bank card, a certain percentage of each acquisition you make is set apart either as your cash-back reward or as a variety of points that you can save as well as at some point placed to a product, such as those airline tickets or any type of various other nick-knack that is offered by the incentives charge card program. While it might feel like your incentives bank card business could easily declare bankruptcy by paying you to go shopping, in reality, the benefits charge card business have done loads of study into approaches that they can employ in order to get long-time customers. Due to the fact that the benefits program is based upon a system that rewards you over a long period of time, most customers will certainly remain with a credit scores card if they really feel that there is worth in it for them down the roadway. Then, the rewards credit scores card companies gain from charging you a wonderful rates of interest as you continue to acquire incentives factors. Most Popular Benefits While all incentives bank card use a range of benefits to
their consumers, the very best benefits charge card programs will allow you pick the choice that functions finest for you. If you are a regular traveler, it might be helpful to register get an incentives bank card that supplies you frequent leaflet miles for every single dollar that you spend. You will certainly after that be urged to spend even more using your bank card if you know that you will be awarded. Various other programs offer a brochure of attractive alternatives, such as television collections, blenders, magazine memberships and even more. If you prefer to get money back for utilizing your benefits charge card, the cash back rate usually drops someplace between 1%as well as 3%. Where to Locate a Benefits Card Incentives bank card have actually shown to be extremely effective methods of getting faithful customers.

For that reason, almost every bank card business will provide some type of rewards alternative. In order to get the very best benefits credit rating card strategy for you, it is necessary for you to look around to see just what is currently available.Rewards credit cards not only offer you reward to make all your purchases utilizing the exact same bank card, yet they additionally make you really feel excellent concerning spending money. You understand that if you utilize your benefits bank card on a routine basis for the majority of your acquisitions, you will undoubtedly receive an incentive once you rack up adequate factors. Once again, the most effective rewards charge card will let you choose which compensates go obtain. Now get out there as well as get awarded for purchasing! For extra on incentives credit rating cards, Robert Alan recommends that you see

Unsecured Credit Card For Bad Credit Challenges

Regardless of the reason, you have got found out that bad credit sometimes happens to anyone, frequently through no fault of their own, and you also’ve discovered that this could impact your whole life. Also a thing that must certanly be as simple as getting a unsecured credit card may be blocked at every change.

A unsecured credit card for bad credit challenges, must be a simple process, as long as you tend to be honest about your scenario.

There is not any reason to suffer with your bad credit, while you are considering getting credit cards, there is no reason that you shouldn’t achieve this. In addition keep in mind that having a charge card and having to pay it in a timely fashion would be both convenient and help you in increase new credit.

There’s no time like give begin to build up your credit score, particularly if you’re dealing with a bad few years.

If you have bad credit, it could seem as though you may be obstructed at every change about financing, but one thing that you’ll want to understand is that it generally does not have to be this way.

When up against bad credit, you have on your own arms a scenario that you need to turn around, therefore the faster, the greater! It is never too late to make a plan to eradicate a bad credit rating, however, being approved for a charge card is an excellent way for the discriminating credit card hunter..

First, if you’ve been turned-down by significant credit card issuers, take a look around at department stores many megastores. Frequently, an in-store credit card is available, one which it is simple to be authorized for plus if you have been turned down for a unsecured charge card for bad credit repayments you really need to be accepted, abeit on a greater rate of interest and reasonable balance quantity.

Once you have that card, you could start increase a far better credit rating straight away. Once in awhile, purchase something on your card and pay it back at the same time. Within under annually, your credit score will likely to be presentable to many other, bigger credit card issuers.

If you have bad credit, you can also take to getting a card during your bank. As you have previously done company with them, you will end up able of greater trust.

Similarly, it is possible to get a spouse or family member to cosign the application for a credit card, especially if obtained exemplary credit. Either of those aspects can point the machines in your direction getting a charge card with a major business.

One final thing you can try is obtaining a secured charge card. What this means is that you’ll should open a savings account, that may behave as a security of kinds for the bank card.

The actual quantity of credit you may receive will likely to be with regards to the amount within account. While this is not a great solution, it will help towards restoring your credit, plus due time, you’ll be able to apply for a far more favorable credit situation.

Bad credit is one thing many men and women handle, and it is in addition a situation many men and women escape from. Discover a unsecured credit card for bad credit, you like and commence repairing your credit today!

Unsecured credit card for bad credit and it development features intriqued Dr S for many years. With all the pressures of financial obligation and reestablising credit, use on line for credit cards to find the best package to fit your discerning requirements.

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3 Credit Card & Credit Score Myths | Money | TIME

Most people think they understand credit cards, but the truth is they can be tricky tools to master, especially for a newbie. Here’s some advice on how to establish good credit: http://time. com/money/4083723/credit-myths/
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3 Credit Card & Credit Score Myths | Money | TIME
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Absolutely Free 3 Bureau Credit Scores – Obtain An Accurate Report!
An average of ten million Americans utilize online checks for absolutely free 3 bureau credit scores annually.
A credit score is a number with three digits usually ranging anywhere from 300 to 850.
This report keeps track of all debt related activities such as mortgagees, car loans, credit cards, bill payments and other credit operations in order to establish your trustworthiness as a debtor.
A very important aspect which is used to calculate your overall report is the timeliness of your payments.
So paying your bills on time, every time is absolutely essential.
Basically a report stating a figure 700 and over suggests a pretty good credit standing.
For persons with a rating below 700 should try to achieve such a figure on their credit score.
Check All Three Scores
Most persons are unaware that there are actually three separate scoring systems which can be used in the tallying of your credit score.
These scores are handed by three distinct credit reporting departments namely; Equifax, Experian and TransUnion.
All three and accredited and very popular though there are times when they may use different ways in evaluating your score.
TransUnion uses the FICO score; Experian uses the Plus score while Equifax utilizes the Score Power score.
In order to get a comprehensive report of your financial status, it is important to use a service which employs all three scoring techniques.
If you are the sort of person which scrutinizes each bill and account then chances are a 3 bureau credit report might be unnecessary.
But for all the rest of us who from time to time have been a little lax in keeping check on our accounts, then a 3 bureau credit report becomes all the more necessary.
For many persons, this report provides peace of mind as if there is any form of mis-use of their accounts then it will quickly e spotted.
The most important thing to do to keep your credit healthy is to do a credit check every 6-12 months.
If you opt to access an absolutely free 3 credit score online, here are the specifics which you will ultimate be provided;
– A detailed comparison of the information provided by all three bureaus.
The figures may vary slightly due to the different methods of calculations used by them
– Detailed information on all loans and credit cards which you have or have had.
– Details of your re-payment history which will span your entire lifetime, includes time-sensitive information such as late payments and on-time payments
– A listing of all companies which have accessed your credit score.
What is your number? Let’s face it these set of numbers practically rule your life.
A good credit rating is definitely mandatory if you want to get anything done in today’s economy.
Good scores or poor scores have a major bearing on whether you ever own a car, purchase a home or even acquire the job that you desire.
So check it out right now – get absolutely free 3 bureau credit scores online.
Get the best free credit scores

Credit Card Debt Negotiation

Credit card debt is really a menace and a lot of people are facing it around the globe. Credit card debt consolidation and bank loans are well known as ways of reducing and eliminating credit card debt. In all this confusion, credit card debt negotiation almost gets forgotten.

Well, credit card debt negotiation starts right from your credit accounts where you have the most hard-hitting credit card debt. This means credit card debt negotiation has to be taken up with your current credit providers. Before you misinterpret it, let me clarify that we are not talking about chucking off a portion of your debt through credit card debt negotiation. We are talking primarily about using credit card debt negotiations for getting the APR on your current credit cards reduced to some lower figure. So, credit card debt negotiation is about talking to your current credit card suppliers for informing them about your intention to clear off your credit card debt and using your skills (credit card debt negotiation skills) to agree a lower APR rate with them. Basically, credit card debt negotiation is about asking your current credit card suppliers for help/assistance in clearing off your credit card debt. If credit card debt negotiation is successful, it will save you not only money (due to reduction in APR) but also the hassle that is associated with looking for a new credit card (to transfer balance).

However, if the credit card debt negotiation, with your current credit card supplier, doesn’t yield the desired results, you will have to look for other credit suppliers who can help you in consolidating your debt. Again, you will need your negotiation skills (rather credit card debt negotiation skills) to get a good deal from them. If your credit card debt negotiations work out well, you might be able to get a really low standard APR or you might get a longer term on 0% APR (or you might get both). These are really the most important things and your credit card debt negotiations should concentrate more on these than anything else. The other thing to include on your credit card debt negotiation would be the credit limit and other benefits. Here, you are basically trying out the possibility of getting a better credit card as part of your credit card debt negotiation. For people with really bad credit rating, getting an unsecured bank loan or getting another credit card (for balance transfer) is really difficult. For them, getting an unsecured bank loan or credit card is what you would term as credit card debt negotiation.

So, don’t hesitate in going for credit card debt negotiation. It is surely an option available for all.

Money man Bruce Sellery is back with MoneySense’s findings on which is the best credit card in Canada.
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More Good Credit Credit Card Articles

My Credit Score: 848 – Credit Card Hacks and How I got it. | BeatTheBush

Going over some basic tips on how to get a high credit score. But once you get a high credit score, what do you do with it? You take advantage of it to get all the great cash back deals of course!

For Chase Sapphire:
Video said spend 00 but it is spend 00 first three months and get 40,000 in points (If you spend the 40k points on travel you get an additional 25% value).

Video Rating: / 5

annual fee first year but second so make sure you mark your calenders to cancel it before it charges you.

My other favorite cards I mentioned are:
SallieMae Rewards (Now owned by Barclaycard)
Us Bank Cash+
Fidelity Investment Rewards

BofA credit cards: Since the initial posting of this video BofA credit cards turned on the feature to autopay in full. You can now do this through their website.

Get a free credit report here: (not sponsored) is a government mandated site that will not ask for a credit card and is the ONLY authorized website for free credit reports. If another site offers you a free report, they are trying to sell you something.

MAJOR warning here. If you go around getting all these credit cards, make very sure you are a responsible credit user first. If not you’ll end up paying the credit card companies instead of them paying you! For example, do not carry a balance EVER or else you’ll pay 12-24% interest rate. Do not pay late or you’ll rack up something like each late fee… ouch!

If you have a need to fill up the spending requirements on a new credit card, try Amazon gift card reload here:

Reloading a gift card is a valid way to offset your Amazon purchases later. You buy the card now to fill up the spend requirements, and you slowly spend it as needed when you buy things the next few months. The gift card credit does not expire.

*Note to Spammers* 8/23/2014 To ensure the integrity of this video and comments and protect who ever comes across this video, I monitor the links and comments. I’ve been getting more and more spam messages lately but they get automatically flagged anyway. On top of that, I delete and report them all so it never sees the light of day. Mu ha ha ha! .

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Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this:

Credit Card for Starters
Who Should NEVER Get a Credit Card:
Only Use Credit or Only Use Debit:

Credit Card Basics
How Credit Card Calculates Interest:
How Credit Card Grace Periods Work:
Difference Between Credit Card Inactivity and 0% Utilization:
Credit Card Statement Closing Date vs. Due Date:
Does Canceling Credit Cards Affect Credit Score:
Can You Afford a No Limit Credit Card:
Credit Card Balance Transfer Hack:

Credit Score Less Than 700
Maximize Credit Score while in College:
Build Credit Fast with a 0 Credit Limit:
How to Pay off Credit Card Debt:
How to Build Credit with Bad Credit or No Credit [w/ Self Lender]:
How to Boost Your Credit Score Within 30 Days:

Credit Score More Than 700
How to Increase Credit Score from 700:
740+ is Not Just For Show:
My Credit Score: 848, How to get it Part 1:
My Credit Score: 848, How to get it Part 2:
My Credit Score: 848 – Credit Card Hacks and How I got it:

Advanced Credit Card Tricks
How to get a Business Credit Card:
Keep 16 Credit Cards Active:
Rejected for a New Credit Card with 826 Credit Score:
Make Credit Cards Pay You Instead:
Credit Card Low Balance Cancellation per mont [Still Works]: