# Beginner Guides
Credit Card Application Reconsideration Phone Numbers
In general, if your online credit card application is not approved instantly—whether it is directly denied, goes pending, or requires additional verification—the first thing you sh...
Which Airline Mileage Programs Should You Focus On?
There are tons of airline mileage programs out there, and every airline has its own program. Learning how each one works can take a lot of time. If you spread your earning across t...
Credit Card Tips — Retention Offers
A retention offer is a special incentive from a credit card company designed to persuade you not to close your card. For cardholders, these offers can provide extra rewards while l...
From Beginner to Pro with Credit Cards (2): How to Get Free Flights — Sign-Up Bonus + Transfer Points + Award Tickets
Today’s article introduces another very simple way to get free flights. Compared with the previous method, it adds just one extra step: transfer points....
Credit Card Miles 101 (1): How to Get Free Flights — Sign Up for a Card + Redeem an Award Ticket
How do you get free flights? Start by applying for a credit card. This post walks you through the process from card application to finally booking a free ticket....
Online Shopping Essential: A Tool to Automatically Compare Cashback Rates Across Shopping Portals
Earning cash back by shopping through various shopping portals is a money-saving trick many people swear by. But finding the portal with the highest return is not always easy. Here...
Credit Reports and Credit Scores FAQ
If you’re an international student who just arrived in the U.S., or someone who has been here for a while but still isn’t familiar with how the credit system works, why should you...
My Orlando Disney Guide — Hotels: Booking an SPG Hotel
After booking the flights, the next question was where to stay. The goal for this trip was simple: spend as little cash as possible, ideally none at all, by booking award nights wi...
My Orlando Disney Guide — Trip Report
After spending so much time talking about booking tickets, reserving hotels, and all kinds of money-saving tricks, it seems like it’s finally time to talk about the trip itself. Th...
My Orlando Disney Guide — Flights: SFB to a Small City
To keep things interesting, I’m putting the booking story for our flight from Orlando to a small city in this post. It took several twists and turns before this ticket was finally...
U.S. Credit Card Application Q&A
We previously published a series of articles on credit card application tips, along with several beginner guides to applying for credit cards. This article mainly ties those relate...