Personal Journey

In this unique section of the website, I wanted to show you that I did not start life with a silver spoon. Getting out of debt, building good credit, and getting the best credit cards out there takes a lot of time, years in fact. However, with the right mindset and consistency, I know that you can achieve any credit goal that you set for yourself! 

Here, you can follow along monthly as we document and accomplish our own credit-related goals. In addition, any travel that we embark on will be documented here. 

Travel Hacking 101

In the simplest of forms, travel hacking is basically earning credit card reward points in a very strategic way in order to use those points for travel. Points can be …

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FICO vs Vantage 3.0 Scores

Take a moment and think back to when you last looked at your credit score. Where was the last place you saw it? If you don’t know it, where would …

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How to Get Into Pentagon Federal Credit Union

The financial crash of 2008 really shook the financial industry. Many different people blamed the banks, and insisted that people take their money out of the big banks and put …

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How to Get Into Navy Federal Credit Union

Credit Unions in my opinion are a really wonderful thing. They work very similar to bigger banks with one huge exception, they are not for profit! Credit Unions tend to give a combination of lower rates and better fees. When it comes to looking into credit unions though, there’s no…

Why You Should Always Use a Credit Card for Every Purchase

Whether we want to accept it or not, money rules a large part of our lives. Being able to trade goods/time for money as really allowed us as a species to pursue other things to the point where we could develop as a society. When it comes to buying things…

Credit Terms & Abbreviations You Should Know

5/24: Chase’s rule of not approving anyone for a new credit card if the applicant has been approved for 5 or more credit cards within the last 24 months *insert other BoA rules* AA – Adverse Action (against consumer by financial institution, including but not limited to: credit limit decreases,…

FICO Credit Score Guide

Whether you like it or not, credit and our credit scores play a big role in our day to day life. Anytime you need to finance something, get a new credit card, buy a house, move to a different apartment, start a new service with a phone or cable company,…
American Airlines Landing

Cathay Pacific Awards Now Bookable Through American Airlines

When it comes to traveling, the best way to do so is through the use of points. The points earned can be used to book flights, hotels, and even different experiences, making the overall trip much cheaper. How great is it then, when points can be used to work together…

Frontier No-Changes-Fee Changes to 60 Days

If you look at the aviation industry as a whole, it’s much cheaper to fly then pretty much any point in history. Part of that is due to consumer demand to get the cheapest possible flight, but also part due to the relatively low gas prices. There is no king…
Stressed Pencil Biting

Barclays Overhauling Benefits on Its Credit Cards

The first big player to remove some of these benefits was Citi. They took so much heat for doing so, yet, it looks like others will soon follow with the same sort of policy changes. Can it be, that if Citi can remove these benefits, others can too? Or is…

American Express Centurion Lounge Restriction Clarification

When it comes to traveling as/with a credit card enthusiast, it seems like all they go off about is the airport lounges. Or how they have to fly to/from a specific airport because it has a better lounge than another one. Insanity! But the sad reality is that with each…
Quantas Airlines

Capital One Transfer Bonus to Qantas

One of the best ways to get value from your credit card reward points is by transferring out the points to a travel partner. While points themselves may be worth 1 cent or so if you redeem them for cash, sometimes you can get some much greater value from the…

Citi Double Cash Dollars Officially Transferable to ThankYou Points at 1:1

Just a couple of weeks ago, we reported that Citi will soon be allowing people with the Double Cash credit card the ability to turn its reward dollars into ThankYou points. As of September 23rd, 2019, that looks like its the case! With the official launch of this ability, there…
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ABOUT US

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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