Apr 24, 2011

Credit Tip For Churning Cards

If you're applying for mileage cards with regularity, you will be denied from time to time. This is part of the game so don't freak out. Another part of the game is that, many times, you don't have to take "no" for an answer. When you're denied by Chase, you should be calling the reconsideration department every time. Every single time I've called, I found a way to get my "no" turned into a "yes." Often, they approve the application if you agree to close an existing card (basically exchanging a new card for one of your old ones). So today's tip is this:

Lets say you have multiple Chase cards to choose from for your exchange. One of the cards is 6 years old, one is 3 years old, and one is 9 months old. You should be closing the 9 month card. Length of credit history is the part of your credit score that can be most hurt when "churning" cards incorrectly. Leaving old cards open will keep your credit score high. No matter what, if you keep opening cards, your available credit will be the aspect of your score most helped by churning. If done correctly, you will actually increase your credit score while churning. Hundreds of thousands of miles in exchange for a better credit score - what a country!

Apr 23, 2011

500 Free American Airlines Miles For Insurance Quote

500 free AAdvantage miles from Liberty Mutual. If you're not taking advantage of all these free mileage opportunities, you must be independently wealthy.  Click here for the offer.

Apr 21, 2011

500 Free American Airlines Miles If You're A Newbie

If you don't have an American mileage number yet (c'mon really??), then enjoy 500 free AAdvantage miles for signing up...

Click here to sign-up using code ADV30.

Apr 20, 2011

250 Free Hilton Honors Points

250 Free Hilton Honors Points for "Liking" Them on Facebook

  1. Go to Hilton Garden Inn Facebook page.
  2. “Like” HGI.
  3. Find “Like us for Points” link on left side of page.
  4. Enter Sweepstakes with email address, name and HHonors membership number.
  5. Receive 250 HHonors bonus points.

Apr 19, 2011

When To Buy Airline Tickets?

Usually, it's the earlier the better. But fares can sometimes go down. Use the very cool predictor tool at www.farecast.com to get an idea if your desired flight will get cheaper or not. Also, airlines tend to charge their premium fares on weekends. It's a good idea to buy midweek (Tuesday through Thursday). Sites like orbitz, priceline, expedia, airfarewatchdog, and kayak are still great options in addition to buying direct from the airline websites.

Apr 16, 2011

Free Miles for Insurance Quotes

300 Delta Skymiles for getting a quote from 21st century here, or:
200 US Airways Dividend Miles for the same thing here

1500 Delta Skymiles for a quote from Sentry (in limited states) here

Apr 15, 2011

Miles for Eating at Restaurants

In case you're still not using Rewards Network for dining, click here and choose your preferred program (American, Delta, United, US Air, Southwest, or Alaska).  You should be earning double miles at your favorite restaurants (from using your mileage card, and from having that card registered on Rewards Network).

Apr 13, 2011

5,000 Delta SkyMiles for 10 bucks

You have to get billed 10 bucks for a month of the Single Identity credit protection service. A few days before you're billed for the 2nd month, cancel your subscription and it's worth 5,000 miles. Here's the link.

Apr 3, 2011

Netflix Miles All Over The Place

2000 for United (4000 if you have a United Card), click here

2500 for American, click here

2500 for US Air, click here

2500 for Delta, click here