Bank of America BankAmericard Cash Rewards

Today I received an offer in the mail from Bank of America saying I am pre-approved for a new credit card! It is the new BankAmericard Cash Rewards credit card that they just launched. They offered me a $50 one time bonus after spending $500 in the first 3 months of opening. It was definitely not as good as Chase Freedom's 30,000 point bonus (equivalent to $300), but it did have some perks.

It had 3% cash back on gas stations, 2% cash back on grocery stores, and unlimited 1% cash back on all other purchases. The differences between Chase Freedom and this, is that the cash back percentage is locked in, and does not rotate category like Chase. However, like Chase Freedom, there is also a cap of $1,500 maximum of combined gas and grocery purchases per quarter for the 3% and 2% cash back, respectively.

Even though I just opened a Chase Freedom account the other week, I knew there is no chance for them to decline me because I was already pre-approved. So, I went online and filled out the application and got another instant approval!

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Chase Freedom Credit Card

Since the economy is starting to recover, banks are more willing to lend money now. After searching on slickdeals.net for some deals, I found a promotion going on for the Chase Freedom credit card. It is offering customers 30,000 points after spending more than $500 in the first 3 months of receiving the card. This is also a cash back card, which means you earn points for every purchase you make. Chase Freedom offers 5% cash back on qualifying purchases up to $1,500 per quarter and unlimited 1% cash back on all other purchases.

This is an awesome deal considering they have been offering only 10,000 points bonus a few months before.

I applied right away and got on instant decision -- approved!

A card was sent home 7 days later. I cannot wait to spend money to get that bonus!

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Credit Limit Increase: American Express Costco TrueEarnings 1

Summer is here, and my family wants to travel. Since American Express Costco TrueEarnings offers 2% cash back on airlines, hotels, rentals, etc., I thought I could use the credit card to book something.

My father and brother decided to go to Netherlands for a few weeks and the tickets we were looking at were pricey! It was over my original credit limit of $2,000, so I decided to call Customer Service and request a credit limit increase (CLI).

A friendly representative answered my called, and I inquired about a CLI. I explained to her my situation, and she understood completely. Without asking me for any other questions about income or employment, she doubled my credit limit just like that! In addition, I asked if there was hard pull on my credit, and she said no! Awesome!

American Express truly does have the best customer service of all the banks I have dealt with! I am a customer for life!

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