Credit Cards

Double Dipping Credit Cards: How and Why

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Why You Should Do This Double dipping is the act of applying for two credit cards in the same day. This should be done to combine hard pulls when possible, or to circumvent bank rules. In my previous post you can find information about what rules I am talking about. If you are planning on hitting Chase hard, this will be the only way for you to successfully get both the Southwest Companion Pass and the CSR/CSP. There are many reasons why you would want both the CSR and the CSP. I broke down the benefits vs. the annual fee […]

Credit Cards

Chase Credit Card Application Rules

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If you’ve been keeping up with my posts, then you’ll see that I talk about a lot of different credit cards. Personally, I have 16 cards open right now and although that seems like too many to most people, I know many others that have at least double that. To get into the realm of having more than 10 credit cards, it is important to have a good understanding of the rules that banks follow when looking at credit card applications. My plan is to focus on the 3 banks that I have been hitting the hardest lately, but I will […]

Credit Cards

The Freedoms – Starting Your Relationship With Chase

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Chase is a bank that has some of the best credit cards out there. The Chase Ink Preferred 80k UR Sign Up Bonus 3x points on Plastiq (How I make a good return paying my student loans) 3x points on travel, dining, and advertising Primary phone insurance 1.25x redemption value through the UR Portal The Chase Sapphire Reserve 50k UR Sign Up Bonus 3x points on dining and travel Trip Delay and primary rental car insurance Global Entry/TSA Precheck credit 1.5x redemption value through the UR Portal Chase Sapphire Preferred 50k UR Sign Up Bonus plus 5k AU Bonus 2x […]

Credit Cards

Portland Oregon: Trip Report

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Hey everyone! I know it’s been a bit since I’ve posted but I’m back with a trip report. I recently flew myself and my significant other (Sam) to Portland Oregon using SW points in conjunction with my companion pass and had an awesome time. Keep reading if you wanna see what I considered to be a decent use of points and what cards I got to build those points up. To start, take a look at the chart below for a breakdown of all points that I used for this trip. ItemPoint SystemPoints Used FlightsSW26,000 HotelUR via UR Portal72,000 Rental […]

Credit Cards

The CIP AKA The Best Credit Card

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I promote a lot of credit cards, but no card beats the Chase Ink Business Preferred in terms of sign up bonus and bonus categories. There may be other cards such as the personal American Express Platinum that occasionally has 100k MR sign up bonuses, but the ink comes close to that with an 80k UR sign up bonus for a $5k spend in 115 days while only charging a $95 annual fee. If the $5k sounds like a lot to you, don’t worry, I’ll show you an easy way to hit it. Most people hate annual fees, check out […]

Credit Cards

Which Credit Card Should I Get?

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“What Credit Card Should I get?”, “How do you get so many points?”, “Can you teach me senpai?”, these and many other questions are brought up to me all the time. Right now, I am going to tackle the biggest one by letting you know where to start in the credit card game. The first credit card that you get to start churning for miles is of utmost importance because it will define your ideal path of progress. As almost every Churner out there, I recommend starting with Chase and hitting it hard. The reason I recommend starting with Chase is […]

Credit Cards

Credit Card Annual Fees and How to Beat Them

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Hi everyone! Thanks for following along with me so far. Today I’m going to show you how cards with high annual fees can actually let you profit from owning them, even with that huge fee! Most people are disgusted when they hear the word “Annual Fee” associated with a credit card. No one wants to pay extra money just to use or own a credit card, but this train of thought will end up causing you to miss out on some amazing benefits. To show you an example of how much value you can get from cards with annual fees, I am […]

Credit Cards

Credit Cards: Dispelling the Myths

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There are many misconceptions about Credit Cards out there and before getting involved in churning them, it is important to understand the truth. Check out the list below for 5 myths and preconceptions that I hear all the time about credit cards. 1) Getting multiple credit cards will hurt my credit score. Your score will definitely take a little ding from applying for a new credit card. This drop is due to a new hard pull on your account. A new HP can take around 10 points off of your score but these are temporary reductions and it typically takes […]

Credit Cards

Training for the Marathon

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A lot of people believe that credit cards are the devil and that they lead towards an inevitable spiral into debt and bad credit. This is very much the case for some people, but for those that are responsible, the opposite holds true. A credit card is a tool. If you understand how it works and when to use it, your life will become easier. To start, I will provide two examples of typical, but incorrect use of credit cards. First, let’s say that I am the type of person that believes that credit cards are the devil so I […]