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Why You Should Pay More Than the Monthly Minimum on Your Credit Card

Why You Should Pay More Than the Monthly Minimum on Your Credit Card

It happens to everyone who has a credit card at one point or another. You overspend. And you often don’t realize it until your statement rolls in. Then you see it. The minimum payment option. Surely you’ll have more money next month to pay off the balance. It’s tempting to just take the easy out and carry the balance for another month or two or three. But this is why you shouldn’t do that. Ever.

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Six Common Business Credit Card Myths

Six Common Business Credit Card Myths

When an entrepreneur first starts a business, cash flow is crucial. Many will get loans to fund the initial effort. Some will seek out help from family and friends. Others will turn to credit cards as a way to pay for the expenses that come with a new business. There are some common myths about using business credit cards.. Let’s go through them so you don’t risk your business and credit score.

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How to Determine Where to Credit Paid Flights

How to Determine Where to Credit Paid Flights

While we all love award flights, we certainly pay for a ticket occasionally–or even frequently for some. After all, even though flying may not always be the best way to accrue miles anymore, it is still a good way. But should you focus your earning by choosing a preferred carrier and frequent flyer program or do you need more than one?

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3 Big Credit Card Mistakes

3 Big Credit Card Mistakes

Mismanaging your credit cards can result in lasting financial difficulties – especially if you have big goals with your money – like buying a home or car.
Let’s explore three of the most serious credit card blunders.

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Top 5 Programs for Aspirational Redemptions

Top 5 Programs for Aspirational Redemptions

With so many frequent flyer programs out there, it’s tough to choose which program or programs to focus on. Depending on what your travel goals are, some programs might be better choices than others, so we’ll helped you narrow it down. Here are the top 5 frequent flyer programs for aspirational redemptions.

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Tips for Meeting Large Credit Card Minimum Spending Requirements

Tips for Meeting Large Credit Card Minimum Spending Requirements

Undoubtedly in the miles and points hobby, the single fastest way to accrue large balances quickly is to open credit cards and receive significant sign up bonuses. Seems easy enough? Sure, but let’s not forget that it does require some careful planning.

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The Top 5 Frequent Flyer Programs for International Travel

The Top 5 Frequent Flyer Programs for International Travel

Picking the right frequent flyer programs for your international travel depends on the region, the distance (short-haul/long-haul), and your own objectives. Are you looking to get status? Or do you favor cheap redemptions?
Start by assessing your travel patterns and booking habits (deep-discounted economy vs. full-fare economy or business/first), and reviewing both the redemption side as well as earning ability of potential programs. Some programs however generally stand out by their number of partners, ease of achieving elite status, and overall value. Here’s a rundown.

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Compare Legroom for Flights Before You Buy

Compare Legroom for Flights Before You Buy

Standardized (and shrinking) airline seats have made it difficult for people of all shapes and sizes to fit into an occupied space with set dimensions, because not everybody can fit comfortably. However, not all airline seats are created equal.

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Three Perfect Solo Destinations You Can Book Using Frequent Flyer Miles

Three Perfect Solo Destinations You Can Book Using Frequent Flyer Miles

You’re ready to travel but none of your friends have the time, money, points or miles to travel with you. Or perhaps you would just like to try a solo adventure and experience the freedom of traveling alone. How far will your miles take you? You might be surprised. Here’s a trio of affordable destinations that can easily be reached using frequent flier miles.

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Delta Increases Spending Threshold for Diamond MQD Waiver

Delta Increases Spending Threshold for Diamond MQD Waiver

There have been rumors going around the travel blogosphere for some time that Delta would be making negative changes to the Medallion Qualifying Dollar (MQD) waiver offered by Amex cobranded credit cards. Many feared that Delta would completely eliminate the MQD waiver for top tier Diamond status. If that occurred then travelers would have been required to spending $15,000 directly on Delta flights in order to qualify for Diamond status.

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Top 5 Frequent Flyer Programs for Domestic Flying

Top 5 Frequent Flyer Programs for Domestic Flying

There are so many frequent flyer programs out there, and determining which programs to earn miles in can be a challenge. Each program has it’s own strengths and weaknesses, both when it comes to earning miles, redeeming them and more. Fortunately, you don’t need to do all of the research to determine which miles are best for you. Below we will go into detail about the top five frequent flyer programs for flights within the US and what makes these programs the best so you can decide which program is right for you.

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10 Reasons to Book Flights Using Chase Ultimate Rewards Points

10 Reasons to Book Flights Using Chase Ultimate Rewards Points

Those who hold a Chase Ultimate Rewards-earning credit card know the value of these precious rewards points. The flexibility to transfer the points to partner hotel and airline loyalty programs allows you to book free hotel nights and airline award tickets. However, you can also redeem points to book travel directly on the Chase Ultimate Rewards travel portal. There are several travel redemption options available including booking hotels, cruises, rental cars, and activities, however, one redemption you should consider for your Chase Ultimate Rewards points (UR points) is to book your flights on the Chase travel portal. Here’s why.

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How to Fly to Southeast Asia in Business Class for the Least Amount of Credit Card Spend

How to Fly to Southeast Asia in Business Class for the Least Amount of Credit Card Spend

Southeast Asia has some of the world’s best travel destinations and most beautiful beaches. There are also many countries where the cost of living is much lower than in the US, so you can get a lot more bang for your travel buck. Unfortunately, getting to Asia in comfort for a reasonable price can be a challenge.
Flights from the US to Southeast Asia involve around 20 hours of flight time, depending on your precise departure and destination points. Flying that long in economy can be excruciatingly painful, especially for taller people. Making matters worse, the Southeast Asia zone in most airline award charts is typically one of the top two most expensive (along with Australia/New Zealand) when departing from the US.

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5 Destinations You Might Not Know You Can Visit Without a Visa

5 Destinations You Might Not Know You Can Visit Without a Visa

If a country requires an expensive visa, you may hesitate to add it to your travel list. Places like Russia, China, and even portions of Eastern Europe for instance, would likely never be considered for a short trip if you must incur the cost and invest the time needed to secure a visa in advance. There are, however, several countries that allow visa-free visits, many of which you might not be aware. Here are five countries you can visit visa free that you might not have been able to in the not-so-distant past.

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American Zodiac vs. Iberia Solstice Business Class Seats Comparison

American Zodiac vs. Iberia Solstice Business Class Seats Comparison

People like to grumble about the bygone era of generous seats, lots of legroom, amazing catering, and people dressing up for the occasion as if they were going to the opera. These are understandable sentiments, but the truth is, the bygone era didn’t have lie-flat seats. And it wasn’t even possible back then to redeem a ticket for miles, considering that modern frequent-flyer programs only date back to the 80s.

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How to Navigate the World of Points and Miles as a Couple

How to Navigate the World of Points and Miles as a Couple

Credit card rewards are a great tool for travelers who want to score a free vacation, and the only thing better than one sign-up bonus is two. Navigating the world of points and miles as a couple can be twice as rewarding, but also twice as complicated. Let’s take a closer look at some of the pros and cons of playing the credit card game in two-player mode.

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The Ultimate Guide to Get Free Cell Phone Insurance With Your Credit Card

The Ultimate Guide to Get Free Cell Phone Insurance With Your Credit Card

You may be aware of some of the cardholder perks that come with many premium credit cards, such as rental car insurance and lost baggage coverage. But did you know that some cards will reimburse you if your cell phone is stolen or damaged?
Not a lot of cards offer this coverage, but it may be worth getting one just to protect your phone. I know I’ve dropped, sat on, cracked or otherwise damaged many smartphones over the years.

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Travel Guide for the Hearing Impaired

Travel Guide for the Hearing Impaired

There’s no reason that being deaf or hard of hearing should prevent anyone from traveling. While it can offer its own challenges, nothing compares to sunning on an exotic beach, exploring a world-class museum or strolling through a quaint village. A little preparation and planning in advance can help make any trip—be it by plane, train, bus or boat—stress-free and fun.

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Four Ways to Save on Foreign Transactions While Traveling

Four Ways to Save on Foreign Transactions While Traveling

Your trip is booked, your bags are packed, and you’re ready to go. Chances are the last thing on your mind is how you’re going to save money on currency conversion fees, securing pocket cash and on your foreign purchases.
These expenses can add up though and without some upfront planning, you’ll return from your holiday with a bank or credit card statement full of fees. Minimal time invested before you go can result in reducing transaction fees, avoiding overcharges for foreign travel expenses and even earning rewards while you’re traveling.

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The Ultimate Guide to Getting a Credit Card Without a Social Security Number

The Ultimate Guide to Getting a Credit Card Without a Social Security Number

The good news is that you don’t need a Social Security number to get a credit card. The bad news is that you’ll probably have to establish a credit history in the United States before applying.

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