2million's Personal Finance Blog

My Journey to Financial Freedom

October 9, 2005

RBS Platinum Mastercard

Today I applied for an RBS Platinum Mastercard. This is the first new credit card I have applied for in about 4 months. I have 2 cards I am using for 0% BT offers that will expire next month, so...
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October 26, 2005

My 1st credit card application rejection notice

Wow! I would have never thought this could happen. I got a letter declining my application from the RBS credit card I applied for to take advantage of their 0% Balance Transfer offer.First I was shocked, then I felt a...
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February 3, 2006

Guide to Taking Advantage of 0% Balance Transfer Offers

Based on requests from visitors, I have decided to compile my own guide to taking advantage of the credit card companies' 0% Balance Transfer Offers. I hope this guide will help everyone understand how to maximize the value of these...
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May 26, 2006

A Better Look At My Credit Score

Part of the mortgage package I got from the lender included my credit report that was used as part of my application. This was the first time I have ever seen all three of my credit scores at the same...
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July 12, 2006

$150 in Gift Cards and $26.5K Balance Transfer for One Year

Last month I realized that the 2 0% Balance Transfers that I was taking advantage of to earn interest in savings accounts were expiring and needed to be paid back in full. However, I was in the middle of purchasing...
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September 7, 2006

$13k O% Balance Transfer from Capital One Credit Card

Well I bit again. Back in June I signed up for a 0% balance transfer from CitiCard for $26.5k, now I signed up for a $13k 0% balance transfer from Capital One.Since I no longer have any major financing moves...
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October 6, 2006

Citi Diamond Rewards Credit Card Changes Redemption Program

I was disappointed when I logged into my Citi Card Thank You Network Account to find that they "modified" the awards program. It now takes 6,000 point to earn a $50 gift card. These points are earned as part of...
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November 14, 2006

Oops! Unexpected Balance Transfer Fee

I logged into the Chase web site to check on my latest 0% balance transfer and was shocked to see a $75 balance transfer fee on the account. When I performed the balance transfer, the customer service representative assured me...
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March 15, 2007

$250 Signup Bonus on Chase Freedom Card

Im drooling over this, but haven't decided to bite as of yet. Chase will send you a $250 check after your first purchase when you sign up for the Chase Freedom Card. Not as lucrative as a fat 0%...
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June 27, 2007

Capital One No Hassle Rewards Card - How are the rewards?

As part of my preparations for the overseas assignment, I just signed up for a Capital One No Hassles Reward Card. I decided I was going to use a Capital One card as my new primary card while away since...
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November 11, 2007

Bank Transfers To Accounts Not in Your Name

As disturbing as it may sound I was recently able to link my wife's Citi Credit Card to my personal checking account (before we were married). I was able to log into her Citi credit card account, add my bank...
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