Posts by ymlulu
Capital One Journey Student Rewards Credit Card
If you just got your SSN or have only recently started building credit, this card can be a good option to help establish your credit history and on-time payment record. It’s also v...
Robinhood Referral Link Exchange Area [5/10 Update: New Round of Results]
A total of 15 people met the referral requirements. In the random drawing for 2.5.10, the three selected were: jyuan92 Guanbo Shao abeibei...
HSBC Premier World Mastercard Credit Card: Earn 40,000 Points
If you qualify for this card, I personally think it’s one of the most approachable premium credit cards out there. Its travel and shopping benefits are broadly in line with other p...
Discover Apple Pay 10% Cashback [5/5 Update: Gift Card Cashback Repaid]
Discover sent out a mass email yesterday saying it will make up the 2015 Apple Pay 10% cashback. It is likely preparing to pay those who used Apple Pay + Discover to buy gift cards...
Wells Fargo Cash Wise Credit Card: $150 Welcome Bonus, No Annual Fee
If you’re eligible to apply, this card is still decent. A $200 welcome bonus is quite strong for a no-annual-fee card. The 1.8% cash back on mobile wallet purchases is not especial...
Wells Fargo Platinum Credit Card: 15 Months of 0% APR
This card can be worthwhile if you can take advantage of the 15-month intro 0% APR period. If not, don’t be fooled by the “Platinum” name....
Overview of Credit Reports and Credit Scores [4/20 Update: Changes Coming to VantageScore Calculations]
The VantageScore model, created jointly by the three major credit bureaus—Experian, TransUnion, and Equifax—will change, with the updates taking effect in the second half of 2017....
How Banks Process and Approve Credit Card Applications
What happens after you submit a credit card application? Why are some applicants instantly denied while others are instantly approved? What exactly are banks looking at? In this po...
Latest Visa Gift Card Deal Roundup [4/3 Update: $20 off $100 at OM/OD, Q2 Credit Card 5x]
A killer OM/OD deal: get $20 off $100 and come out ahead, plus an analysis of earning 5%/5x on Visa gift card purchases with Q2 bonus-category credit cards....
AMEX Platinum Card Benefits Overhauled [3/31 Update: Uber Credit Can Be Used with Uber Eats]
Confirmed! Uber Credit can be used with Uber Eats. When you place an order, it will show as a charge to your credit card, but after delivery the Credit will be deducted. Since the...
"Closed for Good, Farewell" Splender Cashback Portal Guide
Splender has finally reached the end of the road, and you can no longer earn cashback through it. If you have more than $9.99 in cashback in your account, it will still be paid out...