What is a Visa Signature credit card?

The Visa credit card has a long and interesting history with a slew of different tiers that have come and gone. As of today, only two tiers remain: Visa Platinum, and Visa Signature. Sometime in the past, Visa Platinum was the premium Visa credit card, and before that, Visa Gold was the premium Visa card. Now the torch has been passed down to Visa Signature. Continue reading What is a Visa Signature credit card?

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Today’s feature: Discover It credit card review

2 years ago, when I had just started this blog, the Discover More was one of the first credit cards that I reviewed. Since then, Discover Financial Services has replaced the card with the Discover It which is in many ways the same as the Discover More. I personally still have the Discover More, but most people these days have already switched over to the Discover It. It is about time I reviewed the Discover It as well.

discover-it-web-page-header

Continue reading Today’s feature: Discover It credit card review

How I achieved 760 FICO credit score in just over 2 years

How I achieved 760 FICO credit score in just over 2 years

My credit journey has now lasted for 2 years and 10 months, and I’m in the mood for reflecting on the journey thus far. I did a lot of research about credit along the way, especially in the first year, to make sure I could achieve the most, credit-wise, in the shortest amount of time. And at this moment, I am about exactly where I wanted to be, and in just about the best position there could be for someone with 2 years and 10 months of credit history.

760 FICO credit score has long been considered a hallmark of excellent credit, and I hit it about 3 months ago.

FICO score 767
From MyFICO Score Watch

Continue reading How I achieved 760 FICO credit score in just over 2 years

10 reasons to use your credit card – Part 9: trip interruption/cancellation insurance

I’ve talked about risks associated with traveling in earlier posts in this series. Credit cards are amazing for protection against unfortunate events along your travels, and apparently they are helpful even if you cannot make your trip or cannot complete your trip for unforeseen reasons.

Continue reading 10 reasons to use your credit card – Part 9: trip interruption/cancellation insurance

10 reasons to use a credit card- Part 8: Baggage delay reimbursement and baggage damage/loss insurance

I don’t seem to have good luck with checked in baggage. For the approximately 20 one-way trips I have made with checked in bags, I have had baggage delay 3 times, all within the past 2 years. One of these times, on my flight from Seattle to Boston in December 2013, I had an opportunity to test out the baggage delay reimbursement feature of my credit card, the Barclaycard Arrival World Mastercard (later name changed to the Arrival +).

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I got my bag delayed somehow.

Continue reading 10 reasons to use a credit card- Part 8: Baggage delay reimbursement and baggage damage/loss insurance

10 reasons to use a credit card- Part 5: purchase protection

So it’s Halloween, and a cunning elf breaks into your house and steals your Xbox One for his early Christmas gift. You are angry because you just bought it for yourself 3 days ago as your main entertainment through the end of the year. What do you do?

What to do if your stuff gets stolen?

Well, you’d better have used your credit card to buy the Xbox One, because then you’d benefit from purchase protection.

Continue reading 10 reasons to use a credit card- Part 5: purchase protection

10 reasons to use your credit card-Part 4: return protection

It is almost the holiday shopping season, the merriest time of the year for all, and the most profitable time for the retail industry, and I’m sure each of us has our own shopping list for Thanksgiving and Christmas. And every year, millions of dollars’ worth of stuff is returned to stores right after the holidays. If you have a change of heart about a gift you bought and try to return the gift for a refund ….

Hopefully you don’t have to return a gift to the store, but if you do…

Continue reading 10 reasons to use your credit card-Part 4: return protection

10 reasons to use your credit card – Part 3: purchase dispute

In this time and age, e-commerce is gradually replacing physical store transaction as the preferred method of shopping. And with this comes the variety of online stores that sell everything under the sun. While reputable sites such as Amazon and Newegg have standard policies regarding product quality and warranty, others are not generous or clear about their policies. Do you trust the store enough to buy from them? What if you pay the money and they never ship the goods? What if you pay for one thing and they ship another? What if the goods come in broken?

What if your computer comes broken?

Luckily, credit cards provide you with insurance against the undesirable situations.

Continue reading 10 reasons to use your credit card – Part 3: purchase dispute

10 reasons to use your credit card – Part 2: extended warranty

I decided to make extended warranty the 2nd reason to use a credit card since this is the most applicable and most often overlooked benefit of credit cards.

Every single credit card known to me, and I know hundreds of them, offers free extended warranty on purchases.

Continue reading 10 reasons to use your credit card – Part 2: extended warranty