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Credit Card Arbitrage: Making Money from Balance Transfer

Using it wisely, you can make hundreds or even thousands of dollars from credit card arbitrage. Here’s how you can profit from free loans from credit card companies. A couple of days ago, I received an email from Mike regarding my credit card arbitrage: I was just wondering how you were able to get 100 […]

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Factors Affect Credit Score Negatively

Yesterday, I posted an entry on credit score with a couple of items that I feel are important in getting a good score from my own experience. Last night at home, I went through several credit reports with credit score I obtained in the past few years, trying to find out what I have done […]

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(Not Exactly) The Price of Credit Card Arbitrage: Marching toward 800

The last time that I checked my credit score was in February when I almost didn’t have any borrowed money from credit cards. When I saw my FICO score from Experian at 769, it was really a pleasant surprise because it was the highest score I have ever had. Since then, I have done quite […]

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AMEX TrueEarnings Card Trouble

Ever since I discovered the mysterious charges on my AMEX TrueEarnings card in February, I called American Express almost on a monthly basis: to get a refund of the unauthorized charge and check the status of the investigation I was promised for. I got the refund every time I called, but the investigation seemed going […]

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Fidelity 529 College Rewards American Express Card $25 Bonus

Fidelity 529 College Rewards American Express Card is now offering $25 statement bonus after making the first eligible purchase with the card. I have been using the 529 rewards MasterCard since March 2006 and it actually is my every day card. The 2% rewards on every purchase beat all the rewards programs I have from […]

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Need a Loan? You Don’t Have to Go to Prosper

Just apply for this credit card and get a low rate loan till 2011. According to, the Discover More card*, one of the cards with generous rewards, is now having a promotion that offers 3.99% APR till January 2011. From the application page, the card has a balance transfer fee of 3% of the […]

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Need Help: Credit Line Reallocation, Balance Transfer, and Credit Score

After posting an entry last week on consolidating several Chase credit cards and reallocating the credit lines to a new Chase Freedom card* in order to take advantage of the 0% balance transfer offer, I got the following comments from John regarding the practice: When you consolidate the credit limits from various cards do you […]

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Consolidate Credit Card Credit Limits

I called Chase last night to consolidate credit lines on some cards that I no longer use so I can take advantage of 0% APR offer from the Chase Freedom card, though the offer is only good till the middle of November (I made a mistake about the length of the introductory period in my […]

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