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Spencer Howard

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How to Take Your Credit Card Application from Pending or Denied to Approved

By: Spencer Howard

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support.

You find a great credit card. You fill out the application with hopes of a new adventure. You know exactly what you’re going to do with those points.

You hit the submit button on your application and… Pending?!?! Denied?!?!

This is not what you planned. This was not supposed to happen.

Now, take a breath. It’s not over yet.

We are not at the end of this particular dance yet. It is only the beginning. Now is the time to prepare for a reconsideration call.

Let’s get into the details of how to handle this (annoying) situation.

 

When to call

Your best bet to turn an instant denial into approval is to call a bank’s reconsideration line. Since you’ve already been denied, there’s no need to hesitate on this one. Go ahead and call.

But what if you get a pending notification? This situation isn’t cut and dry. You will find some who prefer to call immediately and many others who prefer to wait.

Personally, I don’t see the need to call until you are denied. I prefer to let my application work its way through the system and wait for an approval or denial. It’s easy enough to check the status of applications online or via automated phone systems while you wait. Continue Reading

Blog

The Marriott-Starwood Merger and What It Means For You

By: Spencer Howard

If you have been following the merger between Marriott and Starwood, you know many points’ enthusiasts have been having panic attacks over what this will mean for their SPG points.

Well, the merger was finally completed and… everything is okay. In fact, the merger has been handled quite well for those with loyalty to either program.

Let’s check out the opportunities the merger has presented us.

Marriott-StarwoodMerger

Linking Your Accounts

To get started, you will want to link your Starwood (SPG) and Marriott (or Ritz-Carlton*) accounts. Marriott has set up a site to make this a simple process. Just have your log-in info on hand for the two programs you are linking.

*Marriott and Ritz-Carlton are part of the same program already. The difference between them is mostly in the promotions they market to you. You can only have one or the other, but the points you earn work with both.

Transfer Points Between Programs

One of the great aspects of this merger is that points may now be transferred between programs, and at a fair rate of three SPG points per Marriott Rewards point. This provides some intriguing options for hotel stays in both programs, and possibly some interesting flight options. If you’ve been wanting to try a Marriott or Starwood property, but haven’t had the appropriate points, this could be your chance. Continue Reading

Blog

What Is the Chase 5/24 Rule and How Does It Impact You?

By: Spencer Howard 

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support.

We receive hundreds of questions every day, but some questions repeat themselves so often that we know we need to dedicate some time to it. With that in mind, we wanted to address one of the most common:

“What is 5/24?”

No, it’s not May 24th. It is actually one of the most discussed topics in the miles and points community. It refers to Chase’s rule (guideline?) that anyone who has opened five credit cards in the previous 24 months may not open Chase credit cards.

This can be tremendously frustrating for responsible credit users who want to utilize the perks of various credit cards.

Let’s dig in and see how we should handle things with this in mind.

5/24 Credit Cards

 

What Cards Are Included in Your 5/24 Count

We often see confusion regarding which cards count according to Chase. Many assume that this means five Chase cards when, in fact, it means cards from any bank are included in the count.

If you have opened cards with American Express, Citi, Barclaycard, Capital One, Discover, etc. They count.

Remember that: Credit cards from all banks count toward 5/24. Continue Reading

Blog

Part 3: The Best Business Credit Cards on the Market

Spencer Howard – 10xTravel Contributor 

Disclosure: We receive compensation from some links that are on this site. We appreciate your support.

In Part 2 of our Introduction to Small Business Cards series, we discussed some perks that business cards can provide. You can check out Part 2 here.

If you missed Part 1, we covered who is eligible for business cards. Click here to find out if you can get a business card to boost your miles and points.

Now, let’s get to the fun part! What Card Should You Choose?

Working At Office

Now that you’ve discovered you are eligible for a small business card, you’ll need to figure out which card (or cards) will get you on your way to some amazing travel experiences.

Here are some of our top choices. Continue Reading

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Part 2: Small Business Credit Card Perks – Bringing Corporate Perks to Your Business

Spencer Howard – 10xTravel Contributor

Disclosure: We receive compensation from some links that are on this site. We appreciate your support.

When we last spoke, we explored who is eligible for a small business credit card. If you missed Part 1, you can check it out here.

In this post, we’ll discuss some of the basics to help you get started.

Small Business Credit Cards

Points and Perks

Small business credit cards provide a great opportunity to utilize different bonus categories and enjoy a few other perks that can save you money or make your travel experience just a little bit better.

There are a number of possible bonus categories depending on the card you choose. Some of the categories include:

  • Airfare
  • Gas stations
  • Hotels
  • Office supply stores
  • Shipping
  • Telecommunications (hello, cell phone bills!)

With categories like these, small business cards will not only help you keep your business expenses separate, but also earn you some serious points you can use to travel.

But what about the perks?! Continue Reading

Blog

New Card Alert: Chase Sapphire Reserve

Spencer Howard – 10xTravel Contributor 

Just when the summer credit card season was feeling a little dull, Chase swoops in with the Chase Sapphire Reserve.

This card has the potential to be a strong choice for earning Ultimate Rewards points and enjoying some massive benefits.

Airport Lounges

What We Know:

Thanks to a leaked application today, we are able to share some details about what to expect from the Chase Sapphire Reserve. Several lucky folks were able to apply and be approved today but you will be able to get this card on August 21. Continue Reading

Blog

Part 1: Small Business Credit Cards – Do You Need A Business To Get One?

Spencer Howard – 10xTravel Contributor 

Disclosure: We receive compensation from some links that are on this site. We appreciate your support.

Hey world travelers,

This is the first of a three-part series in which we’ll investigate how small business credit cards can play a role in your points-earning strategy.

Today, we’re going to start with one of the questions we hear most often.

“Who can get a small business credit card?”

If you’re like me, your first thought when you heard about business cards was something like:

“Those look great! But I don’t have anything that even resembles a business.”

Well, let’s get into that and investigate this assumption.

Man with laptop at coffee shop working on small business

Eligibility

So, who can get a business card? Business owners, of course!

Glad we could solve that mystery for you. Now, why did we need an article to tell us that? Continue Reading