I Have A Lower Credit Card Rate (And Why I Don’t Care)

So one of my credit cards just informed me that I have a new lower credit card rate for purchases. The original rate was 17.99% and they have now graciously lowered it to 13.99%. I never pay attention to the rates on my credit cards because those only matter if you carry a balance from month to month. While the drop of 4 percentage points seems like a great improvement I am really not impressed. I don’t care what the interest rate on...

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Save Money By Stacking Your Rewards
Dec16

Save Money By Stacking Your Rewards

One of the best ways that I know to save money is to stack my rewards. You all know that I use cash back credit cards for all of my purchases. It makes sense that if I am going to buy something I would just use my credit card like a debit card. I make my purchases using the credit card and then pay off the card before I incur any interest or fees. I also love using rewards sites like Swagbucks where I can earn points which I redeem...

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Time To Check All Those Cash Back Points

Hello money savers!! It is time once again to check in on your credit cards to cash in on those cash back points. You know, the ones you have been racking up by paying your rent on your card, buying your groceries and even the extra points you have been getting for buying gas. Check in on your cards and see if you have enough to redeem for a gift card, cash or a statement credit. I tend to get the gift cards because they usually give...

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Credit Card Surcharges Now Legal..But May Not Happen
Jan28

Credit Card Surcharges Now Legal..But May Not Happen

So apparently there is a new surcharge on credit card purchases. Some legislation has come into effect that allows merchants to place a surcharge on purchases made with a credit card as a way of passing on their fees to consumers. The surcharge can run from 2% to 4% of the cost of the item and can be added to the amount you as a consumer pay. The catch to it is that any merchant who adds the surcharge must post a clearly visible sign...

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The One Credit Card Experiment
Jan23

The One Credit Card Experiment

I have been using three credit cards to try to get rewards and cash back for all of my purchases. The reason I was rotating and not using just one credit card is because I believed that some of the cards were not classifying all my purchases as eligible for rewards. I have decided to be a little more scientific in my use of my cards and I will be using only ONE credit card for the entire month. For the month of February I will be...

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Chase 2013 Rewards: Time To Sign Up
Dec24

Chase 2013 Rewards: Time To Sign Up

It is time to sign up once again for your Chase rewards if you have that card. The new rewards period runs from 1 January to 31 March 2013. You can earn 5% cash back on up to $1500 in purchases on the following categories: Gas stations Drugstores Starbucks These may seem a bit limited but I know I will definitely make up a good chunk on gas and drugstores so I am not even worried about the Starbucks. Just remember to switch out your...

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