One of the reasons why we're covering this topic is because there's a common misconception that the more credit cards and rewards you have, the more debt there is.
The Ask Sebby community consists of financially responsible people, but there's the other end of the spectrum of people with little self-control.
With the holidays coming up, we're receiving more requests to recommend balance transfer cards. I'm a firm believer of paying off your cards in full every month. If you're playing the minimum payment game, pay off your debt first before requesting a card consultation.
The iPhone X is a good example. I know some people who can't afford the phone outright and plan on paying 20% interest each month with their credit card. This means that you're paying a premium to buy the iPhone X. In my opinion, getting into debt for the latest phone is not worth it unless you can somehow turn a profit from it.
Credit cards are like alcohol. If you don't have self-control, you can become an alcoholic quickly. However, if you know your limits and drink responsibly, then alcohol is not a nemesis.
At the end of the day, you should only get a credit card if you pay off your cards in full each month. Don't make the mistake of getting into debt during the holidays.
Overcrowding has been an issue for American Express Centurion lounges lately, and Amex recently announced some upcoming changes to fix it
Tax season is approaching, and it’s a prime opportunity to meet the minimum spend requirement on a new credit card. Here’s how to pay your taxes with a credit card.
On January 10, 2019, Citi Bank launched the new Citi Rewards+ card. A few days later, the Citi Rewards+ Student card was also released. Aside from the welcome offer, both cards have the same benefits. We’ll review both in this post.
If you’re like me and you have more than 10 credit cards, it can take up a lot of mental bandwidth. Remembering to use travel credits, minimum spend dates, and free anniversary nights can get confusing, especially if you have more than one premium travel card.
Deals of the week including saving on Uber and Lyft, Delta flash sales, and bank bonuses
If earning Southwest Companion Pass is one of your travel goals in 2019, you’re in luck! For a limited time, all three versions of the personal Southwest credit cards have an intro bonus of 30,000 points AND Companion Pass valid through 2019.
In 2018 there were tons of changes to the credit card landscape in terms of discontinued cards, refreshed cards, and benefits. Here are my predictions for 2019.
January 2019 is a month full of cards with signup bonuses decreasing, refreshed cards, and new cards. Here’s a roundup of card events.
Bank of America is tightening the rules on their credit cards. In addition to the 2/3/4 rule, two new ones regarding signup bonuses were recently introduced.
Chase cardmembers can enjoy benefits through the Luxury Hotel & Resort Collection when they book through the program using their Chase card.