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Links 1 through 10 of 35 by Ramit Sethi tagged credit-cards

However, when it comes to getting more value from a hotel stay, hotel loyalty programs are not the only game in town competing for your business. There are other programs and portals like Fine Hotels and Resorts program for American Express Platinum and Business Platinum cardholders which throw in a bunch of added perks and benefits, so that even though you most likely won’t earn hotel points or elite status stay credits (since most loyalty programs make you book directly through their site or corporate travel portals to get points), you can still get lot of extra value and perks out of your booking. Plus, there have been many reports of people still getting points and elite status benefits when booking through FHR, so it is possible to double dip, though I wouldn’t bank on it. Read more: http://thepointsguy.com/2012/11/amex-platinum-fine-hotels-and-resorts-program-worth-it/#ixzz2O0Ga8ieW Follow us: @thepointsguy on Twitter | thepointsguy on Facebook

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The answer: The account closures might hurt his score, but not simply because he’s closing a new account, said John Ulzheimer, president of consumer education at SmartCredit.com. In fact, one of the biggest myths about credit scoring is that closing an account will stunt the aging process. Instead, “you still get the value of the age of the account whether it’s open or closed, active or inactive, balance or no balance,” he said. The account continues to age, even after it is closed.

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@ramit a 4 minute call to my credit card company, using your technique => $6K credit line increase! Thanks.

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It would appear that Americans don’t even know how much they owe.

Households underreport the magnitude of their credit card debts by at least one-third, according to a new study from the Federal Reserve Bank of New York. The difference for the average household is more than $2,000.

Only 50 percent of households reported any credit card debt, while credit card companies reported that 76 percent of households owed them money.

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1% cashback on any purchases - plug in your CC

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A few years ago my favorite bar changed hands. I didn't care for the owner, so never really frequented the place. One day I was invited to a going-away party at the bar. After I'd had my fill, I asked for the bill and offered my debit card. I was told the bar didn't accept debt cards, but I could use the ATM just inside the establishment to get cash and pay the owner. Which I did.
The bar owner thought he was being clever. After all, he not only didn't have to pay a transaction fee for the debit card, he earned a small percentage of the ATM fee. A win-win for him. Except, of course, I resolved to avoid his bar even more, as did several other friends who were with me that night.
The bar owner saved a few pennies and lost a lot of business.
Some saving.

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How did the telemarketers supposedly trick customers into signing up for the products? The Minnesota attorney general’s office gave us audio files of some of the calls,

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American Express recently announced a new service that gives shoppers 180 days to return eligible purchased goods. It also covers certain return shipping and restocking fees.

The company isn’t doing this out of the goodness of its heart, of course. It will cost you $49.99 a year, and shoppers with any type of charge, credit or debit card (not just American Express) can sign up. The offering is called Premium Return Protection.

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The average cardholder spends about $6,300 a year, according to The Nilson Report, and, on a typical rewards card, users may earn one point for each dollar spent. At one penny a point, that translates into about $63 in annual rewards. Still, that is enough for a free cup or two of coffee each month.

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