Credit Cards

Double Dipping Credit Cards: How and Why

Posted on

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

Posted on

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

Posted on

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 […]

Travel

Chase Ultimate Rewards and How To Use Them

Posted on

Now that I have quite a few posts on credit cards, it’s time to show you how to use those new points that you just got. To start, the absolute worst way to use points is via a statement credit. When you do this, you cash out your Ultimate Rewards (UR) for 1 Cent Per Point (CPP). This is considered a waste because it is possible to get a much higher value via transfer partners and booking travel through Ultimate Rewards. Moving forward in this post, I will make the following assumptions: You have either the CIP, CSR, or CSP. You […]

Credit Cards

The CIP AKA The Best Credit Card

Posted on

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?

Posted on

“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 […]