I was just notified by a reader at Washington DC area. He told me that there’s a Wachovia branch offering new-branch special promotions to the new customers. If you sign up for any checking account with minimum deposit of $100 before April 15 2008, you can get a $75 gift card from Wachovia after 45 days of account opening. The reason why I want to mention this sing-up bonus here is NO Direct Deposit is required to get the $75 bonus. All you have to do is open a new checking account with $100 new money and wait to receive the $75 gift card. The location of this branch is 1804 Adams Mill Rd NW, Washington DC 20009. The phone number is 202-232-1605. You can also find the location at Wachovia’s website.
As the fourth largest banking chain in the united States, Wachovia is offering new-branch specials now and then. If you have a friend who has already had an account with Wachovia, you can stack this $25 referral coupon with this $75 bonus. This will give you $100 bonus without direct deposit requirement. Of course, your friend can also get $25 bonus.
I also mentioned that a Florida Wachovia branch is also offering $75 bonus for opening a new account there until this April 15. (see this post) You might also be interested in the Wachovia Way2Save Account.
According to my “hard pull and soft pull“, a hard inquiry may hit your credit report.
Today I noticed that there’s another American Express Card promotion which was launched on April 1, 2008. According to this promotion, if you make two/three American Express Card purchases at select merchants between April 1 and May 31, you may receive 4 complimentary museum or movie tickets.
In order to receive the tickets from American Express, you have to use your American Express Card to make qualified purchases at selected merchants and keep the receipts. And then send to receipts along with a redemption form to the address indicated on the redemption form. Then you can expect the tickets come in about 4 weeks.
For example, there’re many merchants listed in the promotion site. I choose Charlie Banana’s Bar as where I’d like to get the redemption form. From the form I can see that I need to make 2 American Express Card purchases at Charlie Banana’s bar. After I make 2 purchases at Charlie Banana’s bar, I can fill in the redemption form and send it out with 2 receipts from Charlie Banana’s bar to the address indicated on the redemption form.
According to the terms, if you can’t find any museums or theaters near your zip code, you can expect to receive a $40 American Express Rewards Card!
Details about this promotion can be found here which is a microsite of American Express. You can find appropriate merchants near your area ans take the chance to get free tickets!
Last October Chase launched the famous “get $50 for spending $500″ promotion. I believe most of us have already received the promotion bonus at the beginning this January.
Today Chase launched a new check card promotion which is similar to last time. Here is the detail:
You can get $25 for every $250 in qualifying purchases made with your Chase Visa Check Card—up to $75. (United Mileage Check Card, Leisure Rewards Check Card are also qualified for this promotion.)
All you have to do is to register your Chase Check Card through this link. Use your Chase Check Card to make qualified purchases between April 1 and June 15. Then you will receive $25 bonus in your checking account for every $250 spent on that card within 14 days.
Attention: Qualifying purchases include all debit card purchases made without using a PIN. Such “non-PIN” purchases include purchases you sign for, contactless “blink” purchases, Internet purchases, phone or mail-order purchases, small dollar purchases that do not require a signature, and bill payments (where billers process the transaction as a credit card). Cash advances and cash transactions do not qualify. If asked “Debit or Credit,” always select “CREDIT” and sign for the purchase. The money for your purchases is always deducted from your checking account when you use your debit card, even if you select “Credit.” When paying bills (e.g., utilities, cable television, telephone) with your debit card, always select “credit card” if prompted or ask the biller to process your debit card as a credit card; do not provide your PIN. The money for your bill payment will still be deducted from your checking account.
As always, if you can’t spend $750 before June 15, you can purchase some gift cards for future use. This is equal to 10% off for everything in your future purchases.
You can get more information about this promotion here.
update: I attach the screen shot after I registered my check card through above link.
It’s interesting to see that Warren Buffett has a FICO credit score of 712 according to the Fortune Magazine. (2008, March 31, The Oracle’s Credit Crisis) Well, how can that be? We all know that Warren Buffett is one of the wealthiest men on the planet?
But believe me or not, if a bank ever denies Warren Buffet’s application for a credit card, Warren will go on CNBC and say that bank has really bad economic outlook and then watch and laugh as its stock price dips 10% immediately. Even Warren has a very low credit score, no banks will refuse to provide financial services to him. Maybe he is also a Centurion Card holder.
Anyway, regardless whether you are a billionaire or not, you FICO credit score always tells your lenders the same fact: based on your past credit actions, how likely are you to become seriously late in repaying your creditors during the next couple of years? Your income or net worth aren’t factored into the FICO score – only your history of paying back your debts as documented in your credit report.
Want to have a better credit score than Warren? Tips to boost your credit score:
1. Never pay your bills after due date—never leave a late payment in your credit profile.
2. Never carry a huge balance on a single credit card—increase your balance to credit limit ratio will hurt your score.
3. Never open a new account frequently—open a new account when it’s necessary or when you’re doing AOR.
4. Always check your credit card statement—find out any suspicious credit fraud activities or identity thefts.
5. Always check your credit report—you can find a lot of ways to access your credit report for free.
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