shopping with credit cardsBy now, most credit card users have probably heard that the next generation of credit cards will have an embedded microchip called an EMV smart chip. For now, this chip is for use in countries around the world that have already deployed terminals that read these smart chips. These countries include Canada as well as many in Europe and South America.

Where this gets even more confusing is when cardholders realize that there are two types of systems that require EMV smart chips. Most EMV equipped cards issued in the United States are compatible with the Chip and Signature system. This means that the chip is used as a substitute for the traditional magnetic strip, and a signature is still required in most instances. The other type is a Chip and PIN system where the cardholder puts in a 4 digit pin up on request. [click to continue…]

amex-airlinesUS Airways Dividend miles program has a major disadvantage, or benefit, depending on how you look at it. There web site is incapable of showing awards on flights operated by its partners. This means that the only way that you can use their Dividend Miles, other than on US Airways flights, is by calling in and booking over the phone.

For most people, this is a major disadvantage, as they will be at the mercy of whoever happens to answer the phone. Yet for award travel enthusiasts, this is an obstacle that can be overcome. First, travelers can use the web site of American Airlines, which shares most of the same partners in the OneWorld Alliance that US Airways is now a part of. Once travelers find the flights they want there, than they can ask US Airways telephone reps to book those specific flights. [click to continue…]

Rewards Pro: Choosing A Card For International Travel

November 24, 2014
Rewards Pro: Choosing A Card For International Travel

When earning credit card rewards, my goal is always to take a big trip. So when the time comes to hit the road, which cards end up in my wallet? Ironically, it might not be the cards I used to earn the rewards I needed to book the trip. My cards for domestic use At […]

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The Carnival MasterCard Now Offers 15 Months Of Intro Financing

November 21, 2014
The Carnival MasterCard Now Offers 15 Months Of Intro Financing

Credit card users love to earn rewards for their spending, and many cardholders can also benefit from a card with a strong promotional financing offer. The from Barclaysbank offers rewards towards cruises as well as a competitive promotional financing offer. New cardholders can earn 5,000 bonus points when they use their card the first time. Cardholders […]

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Citi Double Cash Versus ThankYou Preferred

November 19, 2014
Citi Double Cash Versus ThankYou Preferred

Citi has a very strong line of reward credit cards. They offer some cards that earn rewards in Citi’s ThankYou program while others earn cash back. Let’s see how Citi’s new Double Cash card compares to the entry level Citi ThankYou Preferred. This card offers customers 2% cash back on all purchases. 1% is credited […]

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Activate Your Q4 2014 Quarterly Bonuses Now

November 17, 2014
Activate Your Q4 2014 Quarterly Bonuses Now

Those who hold the , , or the Citi Dividend Platinum Select receive 5% cash back on select purchases from categories of merchants that change each quarter. Now that the fourth quarter of 2014 has arrived, cardholders should immediately activate their bonus categories. Freedom’s bonus categories for Q4 2014 include all purchases from Amazon.com, Zappols.com, […]

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Case Study: Business Cash Advance Leads- Exclusive Vs. Non- Exclusive

November 12, 2014
Case Study:  Business Cash Advance Leads- Exclusive Vs. Non- Exclusive

Are exclusive business cash advance leads worth the cost? Or are would it be more cost effective to pay a little bit less for a more competitive lead? Exclusive leads are always more likely to increase your roi on your marketing dollars. If you have the budget, not spending the extra cash per lead is […]

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Citi Double Cash Review

November 12, 2014
Citi Double Cash Review

For many reward credit card users, cash back cards are superior to ones that offer airline miles, hotel points, or other types of rewards. The downside has always been that most cash back cards only returned 1% on all purchases or required. Citi’s new Double Cash credit card solves that problem by offering 2% cash back on […]

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