Guides

Shopping Cart Trick To Get Approved for Credit Cards / Better Offers

As unfortunate as it may be, sometimes some of us get into a credit rut. Starting fresh with a new credit report is easy to fix into something really spectacular …

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Business Credit Card 101 – How To Get Approved For Your First Card

When it comes to credit cards, there are a few differently levels of credit cards. As an individual person, you are probably familiar with consumer credit cards, but there are …

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Why Credit Cards With Annual Fees Can Be Worth It

When I first got into credit cards, I thought it was really dumb to pay an annual fee. Why would I pay to have a credit card? I’m already paying …

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How to Get 3x Credit Limit Increases on American Express

You just got a shiny new American Express credit card, but is the credit limit a little bit too small for your liking? If you’re willing to give it some time, it is actually pretty easy to grow it a large degree. Even better, you wont be getting those dirty…

Upgrading and Downgrading Credit Cards

You may not even realize it, but you actually are not stuck with the credit card(s) that you currently have. Depending on the card you hold, you may be able to upgrade/downgrade the card to something that’s more useful, or more economical for you.  Why Upgrading or downgrading Cards May…
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How To Transfer Points Over to Transfer Partners

We’ve learned that the best way to travel with the use of credit cards is by earning and using points. But when it comes time to take a vacation or to travel for business, what’s the best way to do it, and how do we actually go about doing it?…
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How to Turn Cashback Into Ultimate Reward Points

The debate between cashback and credit card points is one that will go on until the end of time. There is one fact and benefit that is indisputable though, and that is if you want to travel, or use your points for traveling, then you are much better earning points…
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How to Dispute Something on Your Credit Report

As Americans, a large part of our adult life is dictated by our credit score. It would be in our best interest then, to make sure that everything on there is supposed to be there, or is showing correctly. Any sort of inaccuracies or negative information can wreck havoc on…
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All Zero Except One Method of Maximizing Your Credit Score

At one point or another we are going to need to apply for something where our credit score is required. A new credit card, a personal loan, or even a mortgage all require a credit check. So what is the best method on maximizing your credit score before you apply?…
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Chase’s 5/24 Rule: In Depth

Chances are, if you’ve been poking around the credit card community, you’ve heard of or seen the term 5/24. Whether someone being under 5/24, over 5/24, or something not being worth a 5/24 slot. But what does it all mean?  The 5/24 Rule: The 5/24 rule states that Chase will…

Charge Card vs Credit Card

The term credit card is a very popular one, just about everybody has heard of that! But you may have heard the term charge card recently and have been left scratching your head. What’s the difference exactly? Charge Card Charge cards were actually the original form of credit cards. Instead…
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Cashback vs Points/Miles

When it comes to credit card rewards, there are two things you could earn, either cashback or points/miles. Both systems are great! It’s especially good when compared to the alternative of earning nothing, or very close to nothing for all of your purchases. But which one is better for you?…

Hard Inquiry vs Soft Inquiry

If you take a look at what makes up a FICO credit score, you’ll notice that inquiries/recent credit makes up 10% of that score. An inquiry is basically where a bank or any other institution takes a look at your credit report. Depending on how they do it, they can…
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Creditalacarte is a blog and youtube channel that is dedicated to travel hacking and general credit knowledge. Follow us to gain all of the insights you need in order to be successful in the credit game and keep up to date on current events!

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