MyCardBlog

I applied for an American Express card (starwood preferred guest card) on Aug 15, 2007. Then several days later, I received a letter from American Express to verify my Annual Income. I contacted my Human Resources Office immediately who sent out a verification letter for me. Then I called back to American Express today. They told me that they contacted the person who wrote the letter twice to verify my information. (Oh my god!) They couldn’t reach the person! Finally they canceled my application. They need the person call American Express to verify my information! I don’t know what they are doing! We are all very busy. I don’t want to knock Naomi’s door and ask her to help me again. I am so sorry I have to give up a perfect card. An official letter is not enough? As some friends said I should reply with “NO WAY!!!”. I am not applying for my mortgage. it’s just a card….The process is so complicated….. No more American Express card from now on. The only way I can get that card is to convert my blue card to Starwood Preferred guest card. sad………………………….^^^^^

Online services provided by amex credit card are now more credible and reliable than ever. The focus of amex is customers having strong credit history. Conversely, the bank of america has launched new bank of america card service for the customers who are facing difficulty in getting regular credit cards due to their bad credit history. Now these customers can apply for credit card for bad credit and they can activate their credit card or manage their accounts by using the bank of america credit card online services. Online resources are available in the form of comparison guides and experts?reviews that help potential customers in making comparison of different american credit cards.

I have a chase freedom card for about 6 months. The initial credit limit is $200. (don’t laugh at me) Then I asked for increasing credit limit twice. Both were got rejected! Emm…I don’t know what happened. Then today I called in to close this account. The credit analyst talked with me for about 30 min. She told me that I could move credit limit with any chase cards. I have chase freedom card, chase amazon.com card and sony card. She said I could move any amount among the 3 cards. Then I moved $1000 from sony card. (I even didn’t activate that card!) The fact is I got 2 hard pulls in my credit report.(sad) I hope I can do it better next time. The credit analyst told me that sometimes the total credit limit I can get is not only base on chase but also consider other credit card issuers. Through the talk I can see the household income is very important. And this is a fact, right? If you have a high household income, you probably will spend more…..then you know what will happen…

update on Sep 20: I forgot to mention that the credit analyst gave me $10 rewards for my lost.

I am writing about the bonus from Citi Checking and Saving account. Currently available bonus:

• $200 Checking-Code: MGCH, Expires 12/31/07. You can’t get online information about this promotion. First $100 requires a $1,500 deposit into EZ Checking. Second $100 requires you to sign up and use direct deposit for 6 consecutive months or pay 2 bills a month for 6 consecutive months.
• $100 Ultimate Savings Account-Code: CSLN, Expires 9/30/07. You can find the information here. You can get the $100 at ease. All you have to do is open this account. No checking account is required, and there are no minimum balance or monthly fees as long as it’s held as a stand-alone account.
• $50 Ultimate Money Account-Code: CSNL, Expires 9/30/07. You can find the information here. You have to open the Ultimate Money Account with a new regular checking account in the EZ Checking package.

If you have any questions, please call 800-624-9600 for help. They can be more helpful. Usually Citi will pull your credit report in order to open a new account.

Important notice: The expiration date is coming….hurry!

Smoking hot! Citi Platinum American Express Card offers 5 thankyou points for every dollar spent at supermarkets, gas stations and drugstores and 3 points for other purchases. The offer is good for 24 months. There is no pre-set spend limit for this card. The annual fee is free for the first year and $99 after that (who wants to keep it?). Plus you can get 15,000 points after spending $300 in 3 months. You can get the benefits for an American Express card holder. You can have the VIP access in the airport lounge! Wait there are more benefits: Make your next trip more affordable with unlimited companion tickets on domestic and international airlines to hundreds of destinations on several domestic and international airlines including Virgin Atlantic and Mexican Airlines. Emm! A nice card! I promise I will try to get this card at least for the first year. It seems this is the second 5% rewards card. The drawback for the previous one is limited 3 months’ 5% rewards.

PS: I try to find good cards for everyone! Make sure you can visit my web daily. Another point is: this is a charge card not a credit card. You have to pay full every month. (get confused on credit card and charge card? wait for next post)

Maybe this is a very old credit card deal, and you guys might all know this deal. But I want to say it again because it’s a nice credit card. Citi professional mastercard with thankyou network is offering 10,000 thankyou points after first purchase. The 10,000 points can be redeem as a $100 gift card good for a lot of retail stores. You can get 3 points for every dollar spent at gas stations, drugstores, restaurants, car rentals and office suppliers. This card also provide 0 APR for balance transfer up to 9 months with $0 fee. It’s really a good card for those in need of money.

I applied for this card and got denied! I called in and talked to a credit analyst who told me that I need at lest one year credit history to get this card. Citi professional card is a hybrid personal/business card. It will show up on your credit report.

Hilton HHonors Platinum Credit Card from American Express: Earn 10,000 bonus points after your first purchase. Then you can get extra 2,500 points for your first 4 stays at Hilton family hotels. You can get 5 points for every dollar spent at Hilton family hotels and 3 points for every other purchase. 5 points for spending at US supermarkets, drugstores, gas stations and wireless phone services. No annual fee for this card.

Starwood Preferred Guest Credit Card from American Express: See my previous post.

Citi Hilton HHonors Visa Signature Card: You can get 15,000 bonus points after you first purchase—enough for 2 free stays at Hilton family hotels. You can get 6 points for every dollar spent at Hilton family hotels. 3 points for spending at US supermarkets, drugstores, gas stations and 2 points for every other spend. No annual fee.

Marriott Rewards Visa Signature Card (chase): You can get 15,000 bonus points after your first purchase plus a free night stay certificate upon account opening. Earn 3 points for every dollar spent at Marriott hotels. Get 1 point for other purchases. Annual fee is free for the first year. After that $30 per year.

Priority Club Rewards Visa Signature Card (chase): 15,000 bonus points after your first purchase. 10,000 bonus points for spending 15,000 annually. Get 3 points for every dollar spent at Priority Club hotels and 1 point for other purchases. Annual fee is $29 after first year.

Choice Privileges Visa Card (bank of America): 8,000 bonus points after your first purchase—free one night stay at over 1,000 locations. No annual fee.

TripRewards Visa Platinum Plus MasterCard (bank of America): Earn 13 points for every1 dollar spent at hotels. 2 points for every other purchase. No annual fee.

Discover card: You will get 5% once a year (3 months) for hotel staying.

Are you a Bank of America customer? IF you are a BOA member, you can get $10 off $30 at CVS! CVS also provides free shipping for your orders. Please follow the link to save your time. The offer expires on Oct 12, 2007. You can only use once. And you can’t use it in CVS local stores. GO CVS.COM!

JCPenny.com is also offerring similar discount for VISA cardholders. You can get $10 off $10 at checkout, if you use a visa card. Use the coupon code “VISATEN” at checkout.

If you are referred by one of your friends from ING, you can get $25 bonus! To get the bonus, you must have to use the link sent to you by your friend and deposit $250. You will receive the bonus immediately! (At least from my own experience) The drawback is: you have to wait about 15 days to use the money. After that, you can transfer money as you wish.

PS. That’s really good. If anyone wants to get a referral, you can send email to me.