Saturday, June 22

creditcard

Zero credit history student card

Zero credit history student card

creditcard, health, Learning
As a student with no credit history, you may be interested in obtaining a student credit card that is specifically designed for individuals in your situation. These cards are intended to help students establish credit and learn responsible financial habits. Here are some options for zero credit history student cards: Discover it Student Cash Back: This card offers cash back rewards on eligible purchases, provides free access to your FICO credit score, and has no annual fee. It also offers incentives for good grades and has a feature called "Discover Freeze It" that allows you to prevent new purchases on your card if it's misplaced. Capital One Journey Student Rewards: This card is designed for students with limited or no credit history. It offers cash back rew...
15 airline credit card recommendations

15 airline credit card recommendations

creditcard, economical
Here are some suggestions for the US market, involving 15 popular airline credit cards. Note that specific selection should be based on individual needs and preferences, and it is advised to read the terms and conditions of each credit card carefully before applying. Chase Sapphire Preferred® Card: Earns valuable Chase Ultimate Rewards points that can be transferred to various airline and hotel partners. Chase Sapphire Reserve®: Offers premium travel benefits, such as airport lounge access and an annual travel credit, along with the ability to earn and redeem Chase Ultimate Rewards points. Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®: Designed for American Airlines frequent flyers, offering benefits like free checked bags, priority boarding, and earning AAdvanta...
Amex business cards worth keeping for the long term

Amex business cards worth keeping for the long term

creditcard, economical, health
There are several American Express (Amex) business cards that are worth considering for long-term use, as they offer various benefits and rewards. Here are a few examples: The Business Platinum Card® from American Express: This card is designed for frequent business travelers and offers benefits such as airport lounge access, annual airline fee credits, hotel elite status, and a Global Entry or TSA PreCheck application fee credit. It also earns Membership Rewards points, which can be valuable for travel redemptions. American Express® Business Gold Card: This card is ideal for businesses with flexible spending needs. It offers bonus points in select business categories, such as advertising, shipping, and technology purchases. It also provides airline and hotel benefits, as well as t...
Avianca Vuela Visa Card Low Sign-Up Rewards with Avianca

Avianca Vuela Visa Card Low Sign-Up Rewards with Avianca

creditcard, economical
The Avianca Vuela Visa Card is a co-branded airline credit card that is affiliated with Avianca, a major airline in Latin America. While this card offers some benefits for Avianca customers, it is important to note that its sign-up rewards are relatively low compared to other airline credit cards. Typically, when you apply for a new credit card, you may expect to receive a substantial sign-up bonus as an incentive. However, with the Avianca Vuela Visa Card, the sign-up rewards are not as generous as some other cards on the market. The specific sign-up bonus can vary, so it is essential to review the current offer at the time of your application. Despite the lower sign-up rewards, the Avianca Vuela Visa Card does provide other benefits that may be valuable to frequent Avianca flyers. ...
Can AI Truly Enhance Learning in Business Schools?

Can AI Truly Enhance Learning in Business Schools?

creditcard, Learning
Artificial intelligence (AI) can indeed provide significant learning value in business schools. Here are a few points to consider: Data-driven decision-making: AI can assist business school students and faculty in better understanding and applying data. Through AI technology, large volumes of data can be analyzed and mined to reveal potential business trends, consumer behavior, and market opportunities. This data-driven approach supports students in making more informed business decisions and helps faculty deliver more in-depth and practical instruction. Prediction and simulation: AI technology can be used in business schools to predict and simulate various business scenarios and decision outcomes. By leveraging machine learning and model-building, predictive models can be establis...
Credit card application declined? Try calling the bank’s back door

Credit card application declined? Try calling the bank’s back door

creditcard, Learning
When my credit card application was denied, I discovered that calling the bank's backdoor phone number could be helpful. As a consumer in the United States, I would like to share some of my experiences with you regarding this process. Firstly, when you receive a rejection letter, don't be discouraged. Calling the bank's backdoor phone number is a way to attempt a reevaluation of your application. You can find the customer service phone number on the rejection letter or search for contact information related to credit card applications on the bank's official website. Before making the call, I recommend doing some preparation. First, carefully read the rejection letter to understand the reasons why the bank denied you. This will help you prepare to answer any possible questions. Second...
How to add and change SSN for credit card profile

How to add and change SSN for credit card profile

creditcard, Learning
Adding or changing a Social Security Number (SSN) for a credit card profile typically requires contacting the credit card issuer directly. Here are the general steps you can follow: Contact the credit card issuer: Reach out to the customer service department of your credit card issuer. You can find their contact information on the back of your credit card or on their website. Provide necessary documentation: The credit card issuer may require you to provide documentation to verify your identity and update your SSN. This can include a copy of your Social Security card, government-issued identification, or other supporting documents they may request. Follow the issuer's instructions: The credit card issuer will guide you through the process of adding or changing your SSN. They may...
Is Apple Credit Card worth applying for?

Is Apple Credit Card worth applying for?

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Whether the Apple Card is worth applying for depends on your personal preferences and financial needs. Here are some key factors to consider: Integration with Apple ecosystem: The Apple Card is designed to work seamlessly with Apple devices and services. If you are an avid Apple user and value the convenience of managing your finances within the Apple ecosystem, the Apple Card can be a good choice for you. Daily cash back rewards: The Apple Card offers a straightforward cash back program. You can earn cash back on every purchase, with higher rewards for purchases made directly with Apple and select merchants. The cash back is issued daily and can be used towards your Apple Pay balance, sent to friends, or used for purchases. Transparency and simplicity: The Apple Card prides its...
Restaurant Credit Card Recommendation

Restaurant Credit Card Recommendation

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As a U.S. resident, here are some credit cards that are recommended for dining at restaurants: Chase Sapphire Preferred® Card: This card offers generous rewards on dining purchases and allows you to redeem points for various travel rewards. American Express® Gold Card: With this card, you can earn substantial rewards on dining and supermarket purchases, and it provides various travel and dining benefits. Capital One® Savor Cash Rewards Credit Card: This card offers excellent cash back rewards on dining and entertainment purchases, making it ideal for food lovers. Citi® Double Cash Card: While not specifically focused on dining, this card offers a competitive cash back rate on all purchases, including restaurants. Uber Visa Card: This card provides rewards for dining out, i...
Three Freedom Credit Cards for Beginners

Three Freedom Credit Cards for Beginners

creditcard, Entertainment
As a newcomer to the United States, here are three recommended credit cards for you: Chase Freedom Unlimited: This card has no annual fee and offers 1.5% unlimited cash back on all purchases. It also has a special sign-up bonus where new cardholders can earn additional cash back after spending a certain amount within the first three months. Additionally, it provides some travel and shopping insurance benefits. Chase Freedom Flex: This card also has no annual fee and offers 1% cash back on all purchases, with certain bonus categories earning an additional 5% cash back. Similar to the Chase Freedom Unlimited, it has a sign-up bonus for new cardholders and provides travel and shopping insurance benefits. Discover it Cash Back: This card has no annual fee and offers 1% cash back on ...