Question: I’m struggling to meet the minimum spending requirement for the Chase Sapphire Preferred Card ($3,000 in 3 months). I heard I can use my credit card to purchase a Vanilla Reload and then use that to load a Bluebird... Read More →
Author - William Charles
How To: Manufacture Credit Card Spend With Amazon Payments
Update: Amazon Payments will no longer allow person to person transactions starting October 14th, 2014. You can read more about this here. Amazon payments allows customers to send money to any other individual with an amazon payment... Read More →
FICO Score Vs VantageScore
This is the second post in our series that compares different credit scores (first post we looked at FICO Score Vs PLUS Score). In today’s issue we are going to compare FICO scores & VantageScores. There are actually three versions... Read More →
How To: Load A Bluebird Account With Walmart And Giftcards
This tutorial will show you how to load a bluebird account with Walmart using Visa/MasterCard or American Express gift cards. Before we go into this method it’s necessary to understand why this might be useful. Bluebird acts as a... Read More →
State Of Credit 2013
State of Credit is a fun little thing that Experian has been doing for the past four years. It’s basically an interactive map that shows VantageScore data. You can segment by generation (66+, 47-65, 30-46 & 19-29) and you can... Read More →
[Expired]How To Get A Free FICO Score
Update: You are now charged $4.95 for a 30 day trial to the Score Watch product. If you cancel within the 30 days you will only be charged $4.95, if you don’t cancel within that time period you’ll be charged $14.95 per month... Read More →
Is There An Age Requirement For Credit Cards?
Question: I’m currently 20 years old and I’d like to apply for a credit card. I heard that if you’re under 21 there is no chance of getting accepted, is this true? Tyler – New England Answer: Consumers that are... Read More →
Are There Any Drawbacks To Applying For As Many Credit Cards As Possible?
Question: I read your introduction to credit card churning and I want to make the most of those sign up bonuses you mentioned. What are the drawbacks to applying for as many of the credit cards as possible. Tony – Omaha ... Read More →
How Much Will My Credit Score Drop If I Apply For A New Credit Card?
Question: I’m wondering how much my credit score will drop if I apply for a new credit card. I’ve currently got three credit cards, but I want to apply for a new one so I can get the sign up bonus. I’m wondering how... Read More →
[Expired] Chase Freedom Ups Sign Up Bonus To $200 (From $100)
[This offer is no longer valid as of 1st of January, 2014. It has reverted back to $100 bonus] The chase freedom card now has a $200 sign up bonus (with a spend of $500 within three months of approval), up from $100. If you’ve... Read More →
[Expired] Small Business Saturday – November 30th 2013 – American Express
Being a small business owner and having a number of friends and family with small businesses I am always grateful when the spotlight is shone on us. American Express have confirmed that they will be running their small business saturday... Read More →
True Or False, FICO Is The Most Commonly Used Credit Score In The United States?
Question: Hi, Doctor. We are a group of students in North Dakota and we have a question for you. It’s a true or false one. Is the FICO score the most commonly used credit score in the United States of America? – Grade 5... Read More →
Does Removing A Negative Item With One Agency Force The Other Two To Remove It Also?
Question: I recently found a negative item on my Equifax credit report (bill marked as unpaid & delinquent even though I had paid it). I disputed the item and Equifax has removed it. I’m just wondering if I’ll need to... Read More →
TransUnion FICO Score Vs Equifax FICO Score Vs Experian FICO Score – What’s The Difference?
Question: I went to purchase a FICO score from myFICO.com I noticed I could purchase a TransUnion FICO score, an Equifax and an Experian score. What’s the difference and which one should I actually buy? Tom, California Answer: Hi... Read More →
How Does Credit Card Churning Effect Your Credit Score?
Question: I read your introduction to credit card churning and I’d like to take advantage of some of the sign up bonuses offered by credit cards. I’m slightly worried about how it’s going to effect my credit score. My... Read More →