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Charged $50,000 on your Merrill Plus Visa card? Here’s what to do next

September 18, 2017September 15, 2017 Vinh  Credit Cards  merrill lynch  22 Comments

Introduction I had written about how awesome the Merrill Plus card was already.  It was so awesome I kept putting spend on it so I could reach $50K spend to qualify me for the Delta lounge pass or the $200 annual travel credit.  When I met the spend, I gave it a month or so […]

Discover Miles $50 signup bonus

September 9, 2017September 8, 2017 Vinh  Credit Cards  Discover, Discover Miles  10 Comments

Introduction I don’t like pimping credit cards, but this is the first time I’ve seen a referral / signup bonus on the Discover Miles card.  I got the sheet from my paper statement.  The offer says you’ll earn 5,000 miles (worth $50)  if you sign up and make ANY purchase within 3 months.  Remember, this […]

A tip about that AMEX Hilton Surpass card

September 8, 2017September 7, 2017 Vinh  Credit Cards  amex, hilton surpass  16 Comments

Introduction My wife has the AMEX Surpass card and I’m an AU on it.  While I don’t like to MS on the card, it seems that getting Hilton Diamond seems to be worth it these days.  I’ve been reading data points that Diamonds are getting better treatment than Golds.  I know when I went to […]

The troubling phone call that I just got from Sitibank

September 1, 2017August 31, 2017 Vinh  Credit Cards  11 Comments

Introduction Yesterday morning, I got a call from Sitibank about some activity on my Double Cash card.  This is NOT the call you want to get.  I don’t remember all of it, so this is the jist of the call C – Hi, this is Siti.  We are calling you based on some activity on […]

Why I decided to get a line of credit (LOC) at my credit union

August 22, 2017August 21, 2017 Vinh  Credit Cards, Manuf Spend  nsf  4 Comments

 Introduction After getting hit with so many NSF fees this year, a reader suggested I sign up for a line of credit at my CU to help mitigate some of the fees.  And that’s what I did.   Signing up It varies with every bank, but my CU allowed me to open a new account […]

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