Limousine Rental Tips Archives - The Oceans Of Games

February 5, 2021

Chase Sapphire PreferredÂ® Card vs. American ExpressÂ® Gold Card

The Chase Sapphire PreferredÂ® Card* and American ExpressÂ® Gold Card are two of the most lucrative rewards credit cards available. Both cards earn flexible and transferable points â either Chase Ultimate Rewards or American Express Membership Rewards. Both cards also offer solid welcome offers and earning potential, and each card can unlock powerful redemptions.

Deciding between the two comes down to what youâre looking for in a credit card and how much youâre willing to pay for extra services and perks. Letâs take a look at the Amex Gold versus Chase Sapphire Preferred and see which card may be right for you.

Chase Sapphire Preferred vs Amex Gold: At a glance

	American ExpressÂ® Gold Card	Chase Sapphire PreferredÂ® Card
Rewards rate	4 points per dollar at restaurants worldwide and on Uber Eats purchases 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases annually, then 1 point per dollar) 3 points per dollar on flights booked directly with airlines or amextravel.com 1 point per dollar on all other purchases	2 points per dollar on travel 2 points per dollar on dining 1 point per dollar on all other purchases
Welcome bonus	60,000 Membership Rewards points after you spend $4,000 in the first 3 months	60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months
Annual fee	$250	$95
Other benefits	Up to $120 in annual dining credits Transfer Membership Rewards points to 19 airline and 3 hotel partners Up to $100 property credit and upgrade (when available) when booking hotel stays of two nights or longer through the Amex Hotel Collection Up to $120 in Uber Cash annually (up to $10 per month) Terms apply	Transfer Ultimate Rewards points to 11 airline and 2 hotel partners 25% bonus when redeeming Ultimate Rewards for travel via the Chase Ultimate Rewards portal (a value of 1.25 cents per point)

Earning points

Both the Amex Gold card and the Chase Sapphire Preferred card offer the ability to earn valuable flexible points. American Express Membership Rewards and Chase Ultimate Rewards points work in similar ways â the one you value most will depend on what other credit cards you have and how you typically travel. Itâs fair to say that a Membership Rewards point and an Ultimate Rewards point have a similar, if not equal, value.

See related: American Express Membership Rewards vs. Chase Ultimate Rewards

That being said, the category bonuses of the American Express Gold card are decidedly better than those of the Chase Sapphire Preferred, for most people.

The Sapphire Preferred card only earns 2 points per dollar in the travel and dining categories, while the Gold Card earns 4 points per dollar at restaurants worldwide and 3 points per dollar on flights booked directly with airlines or amextravel.com.

It is true that Chaseâs definition of the dining and travel categories is less restrictive (dining and travel versus restaurants and only flights at amextravel.com). Still, once you consider that the Gold Card also gives 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases annually, then 1 point per dollar), most people will likely earn more from ongoing spending with the Amex Gold card.

Redeeming points

Both Membership Rewards points earned with the Amex Gold Card and Ultimate Rewards points earned with the Sapphire Preferred can be redeemed in two major ways (at least for the most value per point). You can either transfer your points to hotel or airline partners or use your points to book travel directly.

Both American Express and Chase have a variety of hotel and airline transfer partners available. American Express has 22 different transfer partners, while Chase has 13 transfer partners. While the two brands share a few partners (Air France/KLM, British Airways and Marriott Bonvoy for instance), for the most part deciding which partnerships are worth more will depend on how you travel.

In most cases, both Ultimate Rewards and Membership Rewards points transfer 1:1 to airline miles and hotel points, and both American Express and Chase offer periodic temporary transfer bonuses to various partners.

When it comes to redeeming points directly for travel, on the other hand, Chase Ultimate Rewards points are distinctly superior. You can book flights through amextravel.com at a rate of 1 cent per Membership Rewards point, but for other types of travel (hotel, car rentals, etc.), you will only get a value of 0.7 cents per point. Ultimate Rewards points redeemed by a Chase Sapphire Preferred cardholder, however, get a value of 1.25 cents per point on airfare, lodging, rental cars and even some travel experiences.

Bonus perks

The Chase Sapphire Preferred does not have very many noteworthy perks, other than its high welcome bonus and redemption options â but one nice benefit is its rental car coverage. The Preferred card offers primary rental car coverage, meaning you donât have to file with your own insurance carrier first. Rental car coverage on the Amex Gold card is only secondary (after your own primary car insurance.)

The American Express Gold card has two big perks that come with having the card, that can boost its value. First, there is a $120 Uber Cash credit â the most recent addition to the list of Amex Gold benefits. You can use up to $10 per month on Eats or Rides in Uber Cash when you add your Amex Gold as a payment method in your Uber app.

best cards for grocery spending.

On the other hand, the higher welcome offer, increased value in redeeming points and lower annual fee mean that the Sapphire Preferred will likely provide more value for most people, especially during the first year of having the card. Take a look at your spending and travel patterns and decide which card is best for you.

*All information about the Chase Sapphire Preferred Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.Â

Source: creditcards.com

February 4, 2021

Two? Seven? Twenty? How many credit cards should I have?

It would be easy to fill up a wallet with just credit cards. A card to maximize airline miles. A card targeted at your favorite hotel chain. A card that gives you cash back on groceries. Even a card that earns you points when you spend at NFL games. So, where to begin? And where to end?

How many credit cards should I have?

The short answer: you should have at least two – ideally each from a different network (Visa, Mastercard, American Express, Discover, etc.) and each offering you different kind of rewards (cash back, miles, rewards points, etc.). How many credit cards is too many? That depends on the individual – you should never have more than you can handle.

Experts say the number of cards one should have varies according to individual and circumstance. “Generally speaking, there is no one perfect number,” said Ethan Dornhelm, a vice president at FICO.

While the number varies by generation, credit score and other factors, the average American has three credit cards and 2.4 retail store cards, according to a 2020 survey by the credit reporting agency Experian.

To ensure a mix of credit cards and keep your credit score climbing, credit expert John Ulzheimer suggests asking yourself two questions about the cards in your wallet:

Do you have cards across more than one network? If you have three cards, but all of them are Mastercards, this could be a problem if you run into a merchant who only takes Visa. An example? Costco only accepts Visa now, though you can use your Mastercard on the wholesaler’s website.
Do you have a low credit card utilization ratio? Your average balances across all your cards for the past 24 months “should represent no more than 10% of your overall credit limit,” Ulzheimer says.

Credit utilization – how much credit you’re using each month, on average, of all the credit available to you from all your cards combined – accounts for 30% of your credit score under FICO’s traditional model.

If you can add another credit card while keeping your overall spending the same, you’ll lower this ratio – and boost your score.

See related: What is a good credit utilization ratio?

Two? Twenty? The answer is personal

That former number sounds about right to John Corcoran, a hotel industry executive in Aspen, Colorado.

He’s got two for personal use – both airline mileage cards – and a third for work. He added the second mileage card solely for the points bonus, and is thinking about dropping it before the $90 annual fee comes due. “I don’t like credit cards,” he said. “I don’t like debt.”

On the other end of the spectrum is Naomi Sachs, an international business executive in San Rafael, California. Sachs estimates she has 20 or 30 cards “sitting in a sock drawer, unused” – generally retail cards she signed up for to lower the cost of a purchase at that store or credit cards she acquired for the points boost.

Sachs is carrying around in her wallet about 10 more cards, of which she uses two or three with regularity. As for cash? Maybe there’s a $20 bill in there somewhere. Debit? “I don’t put anything on debit, ever, ever,” she said.

Instead, she charges strategically, and checks her card balances a few times a week to stay on top of her finances. “I aggressively try to maximize my spend, for almost every single dollar, every single time,” she said.

Credit expert John Ulzheimer suggests two things that can help you determine the number of cards that is right for you. Always keep your overall credit card utilization low, and secure access to more than one credit card network.

While merchants in the U.S. accept the big four card networks – especially Mastercard and Visa, and, to a lesser extent, American Express and Discover – you can still find places where some of them are not accepted. Costco is one example. The warehouse club switched in 2016 from American Express as its card partner to Citi, so now the only card Costco accepts in-store is Visa.

And if you travel abroad, you should pack credit cards from a variety of card networks. While Visa and Mastercard are most universally accepted, and American Express signs are increasingly common in store windows across the globe, you will inevitably wind up in a place that doesn’t accept the type of credit card you have with you.

Beyond those two key elements, Ulzheimer explains, many approaches are valid, so long as they work for you.

See related: How to use your credit card wisely

How many cards should you have if…

Want to get more specific? Here’s a list of some particular situations you may find yourself in, and some experts’ thoughts on how that might affect what kinds of cards, and how many, you may want to carry in your wallet:

You’re new to credit cards, or just recovering from a bankruptcy or other bad credit incident

Start with one card, a secured card if necessary, then add a second card when you can prove to yourself that you are making your payments on time and paying your bill off in full each month, says Netiva Heard, a credit counselor in Chicago.

“It’s a learning period,” she said. “That’s why you start with just one card first, to get adjusted to those good habits.”

You want to take advantage of rewards programs

Cards that don’t offer rewards “are a complete waste of your time,” Heard says. She recommends thinking about what rewards would benefit you the most, and whether you want to pay an annual fee to get them.

Cards that don’t charge an annual fee generally come with lower introductory bonuses than cards that do and may not be as generous with rewards points on day-to-day spending. But be careful that you don’t sign up for more rewards cards than you can manage to juggle.

Heard advises most people to keep no more than three to five credit cards total in their wallets. Ulzheimer said two rewards cards seems like more than enough – one for airline points and one for cash back.

You plan to buy a new house or car soon

You should stick to the number of cards you already have, at least temporarily. Don’t open even one new credit card within at least six months of applying for a so-called installment loan. Opening a new card will lower your score by a few points due to the hard inquiry on your credit, “and you want it to be in the best shape possible when you go out to get that expensive loan,” Ulzheimer said.

That said, he added, installment lenders will pay the most attention to whether you’ve had a mortgage or auto loan before, if you paid it off on time and whether you tend to pay off your bills in general on time.

You want to improve your credit score

This is not a reason to get a new credit card, Ulzheimer said. “Opening a new card can actually backfire,” he said, because it will, at least initially, lower your score.

When you apply for a credit card, the issuer pulls your credit report, which triggers a hard inquiry. A hard inquiry can lower your score by five points, but it only affects your credit score for one year. After two years, the inquiry falls off your credit report. Note that applying for multiple credit cards at once can exacerbate the negative credit score impact of inquiries, at least in the short term.

A new credit card can also reduce your length of credit history, a key credit scoring factor that considers the average age of all your credit accounts. While length of credit history only counts for 15% of your FICO score, the effect can be significant if you only have one or two existing credit accounts.

On the other hand, if your new credit card has a high credit limit and you keep your balance low, the card can eventually boost your credit score by increasing your overall available credit.

debit card, or cash, Ulzheimer said.

If you need to close your credit cards to avoid using them, then do it, but know that every time you close a credit card, it can lower your score, he said – because it may reduce your available credit, thus increasing your aforementioned credit utilization ratio.

Divorce hits women harder financially: Here’s how to survive it

Bottom line

So, whether you have two or 20 cards doesn’t really matter. What’s important is that your cards give you access to more than one network and offer you the rewards that best meet your needs (which can change over your lifetime).

And, of course, you need to be sure you’re not juggling so many cards that you can’t keep track of all the payment due dates The whole point of having two to 20 or more credit cards is earning points or cash back on your everyday spending that you pay off every month. All the while, keep your credit utilization low so that your credit score climbs.

Source: creditcards.com

February 1, 2021

How long does it take to recover from a bankruptcy?

Every year, thousands of Americans declare bankruptcy, believing it to be their only option to recover from the debt theyâve accumulated. Bankruptcy can be a helpful option if your debt has spun out of control and you truly canât pay it off. But you should view it your last resort, because it will wreak havoc on your credit.

Check out all the answers from our credit card experts.

Ask Steve a question.

Types of bankruptcy

Personal bankruptcies will generally be categorized as Chapter 7 or Chapter 13 bankruptcy, though there are other chapters. Chapter 7 cancels most debt (with significant exceptions including taxes, alimony, child support and student loans), and filings will only take four to six months. But you have to prove that you truly cannot meet your debt obligations â the requirements will vary from state to state. This is meant to stop anyone with the ability to pay their debts from getting out of this obligation.

See related:Â 14 key factors when considering bankruptcy

A Chapter 13 bankruptcy (sometimes called a âwage earnerâ bankruptcy) will reorganize debt so that you repay at least a portion of it, based on a very lean, court-imposed budget over time. Chapter 13 bankruptcy is a much longer process than Chapter 7. It can take three to five years to complete.

From bad to good credit: How long it takes, and how to fast-track progress

Can you remove a bankruptcy from your credit report early?

Just like all timely and accurate information, the record of your bankruptcy is not something you can delete from your file. Time and a solid recovery plan are the only remedies here, no matter what you may be told to the contrary.

Building your credit back up after bankruptcy

A bankruptcy results in a very low credit score. The higher your score before the bankruptcy, the more points it will lose after. And it will stay low for a very long time unless you take positive action to improve it.

Here are the top scoring factors that are influenced by a bankruptcy and what you can do about them:

Timeliness of payments: Expect this category to be heavily affected. After you get new credit, be sure to make all your payments on time, every time.
Amount and proportion of credit used: Your accounts will likely be closed, which will drop your available credit down to $0. As you reestablish credit, try to keep balances under 20% of your limit for best results.
Length of time youâve been using credit: Your score is damaged because the aging history on your accounts stops at your filing. New, positive accounts will be reported for at least 10 years after they are closed and sometimes longer.
Variety of accounts: Bankruptcy typically leaves you with only secured installment debt such as mortgages, student loans or car loans. Consider a secured credit cardÂ passbook loan or credit builder loan to restart your revolving or installment credit history. Also, consider keeping one or two of your lower balance cards open by reaffirming them.
Number and types of accounts youâve opened recently: Following bankruptcy, you may have more new credit inquiry activity than usual as you attempt to reestablish your credit. And your score will fall more as a result. To minimize damage, donât apply for more accounts than you need.

Whether you choose to file for bankruptcy or not, I strongly suggest that you come up with a game plan to move forward. It might not work out exactly as you want it to, but it will give you the motivation and tools to achieve your financial goal. Having a plan will also help you realize when youâre drifting.

The post-bankruptcy class youâre required is a great resource to help you come up with a plan, so pay close attention. Working with a counselor to develop a detailed spending plan that includes saving for financial goals. That way youâll be able to avoid getting into trouble again, even if an emergency arises.

Remember to keep track of your score!

Source: creditcards.com

January 31, 2021

Guide to Tally: Consolidate card payments to beat credit card debt

If you are one of many Americans struggling with credit card debt, there are plenty of great strategies designed to get you out of it. From balance transfer credit cards to consolidation loans, there is no shortage of solutions to reduce your balances.

See related: How to pay off credit card debt: 3 best strategies

One unique service is trying to appeal to those with multiple credit card payments every month. Tally offers to consolidate your card payments and help you pay down your debt faster – all for less interest than you currently pay.

Read on to learn more about the service and if it is best for you.

What is Tally?

Tally is a mobile app available on both the Apple App store and Google Play store. It is designed to manage credit card debt and help its users pay down their balance faster.

Tally users link their credit cards, and the service automatically makes payments, using an algorithm to determine what size payments to make to each card – using factors like highest APR. In order to consolidate your debt, Tally will extend you a single line of credit to cover the payments it makes. That way, you just make one monthly payment to Tally and it takes care of the rest for you.

Right now, Tally is only available in certain states. Eligible locations include Arizona, Arkansas, California, Colorado, Connecticut, Washington, D.C., Florida, Georgia, Illinois, Idaho, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Mexico, New Jersey, New York, Ohio, Oregon, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington and Wisconsin.

How does Tally work?

Tally offers a few different solutions for its users, based on how you want to pay down your debt. The most common service is known as Tally Pays – and puts your repayment in the hands of the app.

Tally Pays

Tally Pays is the heart of Tally debt management solutions. With this service, Tally will extend you a line of credit, based on a soft pull of your credit report. You’ll be offered a variable APR between 7.9% and 25.9% (accurate as of January 2021).

Once you’ve secured a line of credit, you can link your credit card accounts and let Tally start making payments for you. The app will automatically make payments based on its algorithm to try to save you as much on interest as possible and pay down your debt quickly.

Tally only makes payments to credit cards on your behalf if it can save you money on interest. That means if you have any cards with a lower interest rate than your Tally line of credit, the service won’t make payments on those cards. (Note: Tally always makes the minimum payment on your card. Read more on late fee protection later.)

creditcards.com

January 19, 2021

A complete guide to airline companion passes

Flying can be a hefty expense â especially when youâre buying more than one airline ticket at a time. If you frequently fly with a companion, whether it be your child, spouse or friend, a companion pass can drastically reduce your travel costs.

While the terms vary depending on the airline and credit card, generally, companion passes allow a second passenger to fly with you for free or at a significantly discounted rate. Some credit cards automatically offer a companion pass when you are approved for the card or each year on your account anniversary. Others require you to charge a certain amount within a given time frame to earn the pass.

For more details on some of the most common companion passes, including what they offer and how to earn them, read on.

Which airlines offer companion passes?

Southwest Airlines
American Airlines
British Airways
Delta Air Lines
Hawaiian Air
Alaska Airlines
Lufthansa Airlines

Southwest Rapid RewardsÂ® Plus Credit Card
Southwest Rapid RewardsÂ® Premier Credit Card

Southwest Rapid RewardsÂ® Priority Credit Card

CitiBusinessÂ®/AAdvantageÂ® Platinum SelectÂ® MastercardÂ®
AAdvantageÂ® AviatorÂ® Silver World Elite MastercardÂ®

British Airways Visa SignatureÂ® Card within a 12-month period, starting on Jan. 1 and ending on Dec. 31. For example, if you opened your card account in June 2020, you have until Dec. 31, 2020 to reach the spend requirement for that year.

How long is the Travel Together Ticket valid?

The Travel Together ticket is valid for 24 months from the date of issue.

Which cards help you qualify?

British Airways Visa SignatureÂ® Card

Delta SkyMiles ReserveÂ® American Express Card
Hawaiian AirlinesÂ® World Elite MastercardÂ® (50 percent and $100 discounts)
Hawaiian AirlinesÂ® Bank of Hawaii World Elite MastercardÂ® (50 percent and $100 discount)

Hawaiian AirlinesÂ® Business MastercardÂ® (50 percent discount)

Alaska Airlines Visa SignatureÂ® or Alaska Airlines VisaÂ® Business cardholder. As part of the introductory offer, you much spend $2,000 in the first 90 days to receive a companion fare. You will automatically receive the companion fare each year on your account anniversary.

Travel must be booked on alaskaair.com.

How long is the fare valid?

The Famous Companion Fare is valid from the date of issue until your next account anniversary.

Which cards help you qualify?

Alaska Airlines Visa SignatureÂ® credit card

Alaska Airlines VisaÂ® Business

How to get the Southwest Companion Pass, Earn sign-up bonus miles with the Southwest Rapid Rewards cards

The Bank of America content of this post was last updated on March 20, 2020.

Source: creditcards.com

January 18, 2021

How to transfer a balance to a Chase credit card

The interest rate on your credit card is too high. And because you carry a balance each month, that rate is costing you serious dollars.

If you’re considering making a balance transfer to a Chase credit card, here’s everything you need to know before applying – including card options, restrictions, balance transfer fees, chances of approval and even potential pitfalls.

See related: Best balance transfer credit cards

Chase balance transfer guide

Chase balance transfer offers.
What you should know before applying.
How to improve your chances of approval.How to initiate a balance transfer.
How to make a balance transfer work.

Chase balance transfer offers

Chase currently doesn’t offer any introductory APR options for consumers who want to transfer an existing balance (unless you are individually targeted). It does, however, offer a few intro APR promotions on new purchases, including:

Chase Freedom Unlimited

0% promotional period: First 15 months on new purchases after you open your account – but not on balance transfers.
Regular APR: 14.99% to 23.74% (variable).
Worth noting: 5% cash back on Lyft purchases (through March 2022), 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining, 3% cash back on drugstore purchases, 1.5% cash back on all purchases; no annual fee; $200-sign-up bonus if you spend $500 in first three months.

Chase Freedom Flex℠

0% promotional period: 15 months on new purchases, but not on balance transfers.
Regular APR: 14.99% to 23.74% (variable).
Worth noting: 5% cash back on rotating categories that you must activate each quarter (up to $1,500 per quarter); 5% cash back on Lyft purchases (through March 2022); 5% cash back on travel purchased through Chase Ultimate Rewards; 3% cash back on dining; 3% cash back on drugstore purchases; 1% cash back on general purchases; no annual fee; $200-sign-up bonus if Best no annual fee credit cards

What you should know about Chase balance transfers before applying

There are limits to balance transfers with Chase credit cards, according to the company.
- Customers can’t transfer more than $15,000 in credit card debt within any 30-day period.
- You can’t transfer your balance from an existing Chase card to another card issued by Chase.
- Balance transfer requests take time. While Chase says that your debt will be transferred to your new card within a week, it can take up to 21 days.
- You need to continue making payments on your existing card until you are certain that the balance transfer has closed.
- Balance transfers won’t earn you rewards points or cash back, if the card you are transferring a balance to offers them.
- There is no guarantee Chase will approve your balance transfer request. It might turn you down if you are past due on your existing card or if it believes you won’t be able to repayFICO credit score.
Revolving payments such as your mortgage loan, credit card bills, student loans and auto loan areZero to 750: What’s the fastest way to raise your credit score?

How to initiate a balance transfer to a Chase credit card

If you already own a Chase credit card:
- Log into your account and select the “transfer a balance” option. This will bring up the offers available to you.
- To start the process, provide some basic information about the card from which you want to transfer a balance.
If you are applying for a new Chase credit card:
- Start a credit card application for a Chase balance transfer card.
- make a plan to pay it off before any 0% offer expires.
  
  Steps you can take to ensure you will able to pay off your debt include creating a budget, choosing a payoff strategy and stashing your card to avoid making any extra charges.
  
  “Zero percent offers are an amazing deal if you plan to pay it off by the end of a promotional period,” said Aris Jerahian, AVP of card services at Anaheim, California-based Orange County’s Credit Union. “Unfortunately, most consumers focus on short-term goals, taking advantage of such deals while never paying off their balance in time.”
  
  Source: creditcards.com

Posted on January 11, 2021
How to add an authorized user to a Wells Fargo card

You already know that your on-time Wells Fargo credit card payments boost your credit score. But did you know that your payments could also help increase the credit score of a family member or friend with a lower score? Or that your payments could help your children build their own credit scores?

It’s true. This can all happen if you add friends or family members– or anyone else – as authorized users to your Wells Fargo credit card account.

Just be careful: While adding authorized users can help others build or repair credit, it could leave you with some financial pain if your authorized users don’t follow your spending rules.

What is an authorized user?

An authorized user is someone who has access to your credit card account. When you add an authorized user to your account, that person receives a credit card in the mail with its own unique number. But when they make purchases with this card, the charges go onto your account.

You’d add an authorized user to your Wells Fargo credit card to help that user build or repair credit. Every time you make an on-time payment on your card, it’s reported to the three national credit bureaus of Experian, Equifax and TransUnion.

These on-time payments steadily improve the credit score of both you and your authorized users. This is why parents might add their children to help them build a score or a friend or family member with a low score that needs a boost.

There is a risk here for you: Authorized users aren’t responsible for paying off any of the charges they make. When they make a purchase, the primary account holder is responsible for paying it off. If you don’t, that charge will carry over past your credit card’s due date, triggering your card’s interest rate. If your authorized users make a lot of charges and don’t pay them off in full? You could face unexpectedly higher credit card bills each month.

That’s why it’s so important to come to an agreement with your authorized users, spelling out exactly how much they can charge each month and when they must pay you for their purchases. If they don’t follow this agreement? You can remove them from your account.

It’s not all risk when you add an authorized user, though. If you have a Wells Fargo-branded rewards card – such as the Wells Fargo Propel American Express® card or the Wells Fargo Cash Wise Visa® card – your authorized users will rack up rewards points and cash back bonuses when they use your card to make purchases, helping you earn rewards and cash back at a faster pace.

Authorized user eligibility requirements

You can add anyone as an authorized user to your Wells Fargo credit card account. This includes family members, of course, but can also include friends, employees or anyone else you’d like to add.

To add authorized users, you must provide their name, address, date of birth and Social Security number.

How to add an authorized user to your Wells Fargo account

You can easily add an authorized user to your account by first logging onto Wells Fargo Online Banking. After logging in, click on the “Account Services” tab and then click “Credit Card Service Center.” Next, click on the “Request credit card features” heading. You can then click the “Additional cardholders for your account” link, which will allow you to add authorized users.

Fee for adding an authorized user

There are no fees for adding an authorized user to your Wells Fargo credit card.

Managing authorized user access

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You can’t set limits on how much your authorized users spend each month. That’s why it’s important to only add authorized users whom you trust to follow whatever spending rules you set up with them.

Fortunately, it’s easy to remove authorized users from your Wells Fargo account if they are not following your limits.

Again, log into your Wells Fargo account. Click on “Account Services” and then on “Credit Card Service Center.” Next, choose the “Request credit card features” heading. You can then click “Additional cardholders for your account” to remove any of the authorized users on your account. You can also call the 800-number on the back of your Wells Fargo credit card to remove users.

Pros and cons of adding an authorized user

There are both risks and rewards for adding an authorized user to your Wells Fargo card.

Pros

Credit score boost: When you add authorized users, you can help them repair damaged credit. When you make an on-time payment on your Wells Fargo card, that payment is reported to the national credit bureaus, which will provide a boost to your credit score and the scores of any authorized users.

Building credit scores: Some people don’t have enough of a history to have a credit score. This often happens with young adults who haven’t yet applied for their own credit cards or taken out any loans. You can help these consumers build their credit scores by adding them as authorized users. They’ll get the benefits of positive credit history without having to qualify for a card themselves.

A boost to your rewards: When authorized users make purchases with their Wells Fargo card, those charges go onto your account. This can help you earn rewards and cash back bonuses at a faster rate.

Cons

Overspending: You are responsible for any charges made by your authorized users. If they refuse to pay you for their charges? You’ll have to make the payments – something that could bust your monthly budget.

A higher credit-utilization ratio: Your credit utilization ratio – a measure of how much of your available credit you are using – can help or hurt your credit score. If that ratio is high, your score will take a dip. If authorized users run up your credit card balance and then don’t pay you back for your charges? Your credit utilization ratio could rise, and your credit score could fall.

You could hurt your authorized users’ scores, too: If you make a payment 30 days or more past your due date, your credit score could fall by 100 points or more. And if you have authorized users on your account? Their scores will fall, too. Only add authorized users if you’re certain that you’ll always make your credit card payments on time.

Should you add an authorized user to your Wells Fargo card?

Adding an authorized user to your Wells Fargo credit card could improve the credit of your spouse, children or friends. But don’t ignore the risks. If authorized users run up charges on your account, you’re the one responsible for paying them off.

The key? Only add authorized users whom you trust. And be sure to reach an agreement on how much these authorized users can charge and when they must pay you back for their charges.

Source: creditcards.com

Posted on June 3, 2019
Execu Car Service

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Hobby Airport Ground Transportation according to the airport’s website. Hobby’s first international terminal opened in October 2015. At the time, that made Houston one of only three municipalities with two international airports in its … Houston hobby airport ground transportation. ground Transportation. Travelers arriving at the William P Hobby Airport Houston have a variety of transportation options available. These

ExecuCar’s Meet and Greet Service offers customers a more unique experience. When you pre-book your black car or SUV, you will have the option to select the “Meet and Greet Service.” Upon arrival to your destination, your private chauffeur will meet you inside of the airport in the baggage claim area. Upon landing at the airport:

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Orlando Executive Car Service is known for professionalism, Safety, Comfort , High Quality & Reliable Service as a Result of Our Customer Satisfaction.. The Orlando metropolitan area has a population of 2,082,628 and it is the 27th largest metropolitan area in the United States, the 5th largest metropolitan area in the Southeastern United States, and the 3rd largest metro area in Florida.

Posted on June 3, 2019
Hobby Airport Ground Transportation

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Hobby airport ground transportation. ground

Safety board investigator

Shuttle driver port

Transportation secretary ray

Rental service. compare pricing

Limo rentals. price4limo

according to the airport’s website. Hobby’s first international terminal opened in October 2015. At the time, that made Houston one of only three municipalities with two international airports in its …

Houston hobby airport ground transportation. ground Transportation. Travelers arriving at the William P Hobby Airport Houston have a variety of transportation options available. These options include taxis, private limousines, bus / shuttle services, …

20 Seater Party Bus Houston To Galveston Shuttle The Houston-Galveston Area Council has just under a billion dollars available in state and federal transportation funding for the nine-county area. After its most recent call for projects, the … Cost Of A Party bus perth party bus with Andy and ‘Save the Bees’ Party Bus. "We had an awsome time."

Follow signs to “Ground Transportation” Signs are marked “Buses/Shuttles” Sun Travel Shuttle departs from Curb Zone 4; Call 1-409-721-9636 or go to suntravelshuttle.com for more information. Buses to College Station, Texas – Easterwood Airport (CLL) GroundShuttle.com offers daily …

The National Transportation safety board investigator described what the plane was doing seconds before crashing yesterday near Hobby Airport. "It showed that … the spokesman said the plane …

HOUSTON – Channel 2 Investigates has learned the National Transportation Safety Board uncovered … Cirrus aircraft Dana Gray was piloting crashed near Hobby Airport June 9, 2016. More Headlines …

The airport is located approximately 11 miles southeast of downtown Houston. A variety of ground transportation services are available to and from the airport. HOU offers several parking options and Cell Phone Lots. Directions to HOU.

The new touchscreen kiosks — larger, faster and more responsive than the ones they replaced — can also provide information on shopping, dining, ATMs, water bottle refilling stations, hotels and …

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Hobby Airport in Houston on Monday … Mitt Romney, a Republican, has also called on the FAA to ground the planes. Also on Tuesday, former transportation secretary ray LaHood said the U.S. should …

Houston Hobby Airport Transportation: Like many other airports, Hobby International Airport offers many forms of ground transportation. Shared ride vans run continuously throughout the day for passengers who don’t mind traveling together to share the costs.

Hummer Limo For Rental Hummer Limo rental service. compare pricing for limo service, Car service, transportation and limo rentals. price4limo has over 12,000 vehicles in our inventory with photos and prices for you to choose for your transportation needs. Limo Tip Etiquette Truck Limo Rental A federal agency has concluded that the driver of a Wal-Mart tractor trailer was

Posted on June 3, 2019
Hummer Limo For Rental

Contents

Tip airport shuttle driver port canaveral

Includes luxurious lincoln town

Florida. port canaveral shuttle service

Bus perth party bus

Hummer Limo Rental Service. Compare pricing for limo service, Car service, transportation and limo rentals. Price4Limo has over 12,000 vehicles in our inventory with photos and prices for you to choose for your transportation needs.

Limo Tip Etiquette Truck Limo Rental A federal agency has concluded that the driver of a Wal-Mart tractor trailer was the primary cause of a crash that seriously injured actor tracy morgan and killed another … but they are particularly … Little Town Limo tip airport shuttle driver port canaveral / cape canaveral cruise shuttle transportation Service from

Price4Limo, LLC operates as an online marketplace that allows … In addition, the company enables limousine and party bus companies to rent their vehicles, including party bus and SUV/hummer …

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The white Hummer H2 limousine is a popular choice for bridal parties, bachelorette parties and quinceñeras. Hummer Limo Service Amenities: The Hummer limo rentals include luxurious premium leather seating for large groups. The raised ceiling of the Hummer h2 limousine is ideal for taller groups of men and women.

… provides a complete range of limo rental services for clients in West Valley City, Salt Lake City and the surrounding areas. The company’s fleet includes luxurious lincoln town Cars as well as …

Baby Bentley, Ferrari and Hummer limousines are available, too, along with wedding cars such as the Rolls Royce Phantom and Bentley Arnage. Cheap Limo Rental City Center, Westminster London SW1 P3BB …

Truck Limo Rental A federal agency has concluded that the driver of a Wal-Mart tractor trailer was the primary cause of a crash that seriously injured actor tracy morgan and killed another … but they are particularly … Little Town Limo Tip Airport Shuttle Driver Port Canaveral / cape canaveral cruise shuttle transportation Service from Orlando, Florida. Port
Little Town Limo Tip Airport Shuttle Driver Port Canaveral / cape canaveral cruise shuttle transportation Service from Orlando, florida. port canaveral shuttle service provides the best shuttle transfers from the Orlando area airport hotels, Orlando area resorts and hotels, to Port Canaveral Cruise Ships. Limo Seats For Sale Last Tuesday, the luxury brand revealed the long-wheelbase model, which
20 Seater Party Bus Houston To Galveston Shuttle The Houston-Galveston Area Council has just under a billion dollars available in state and federal transportation funding for the nine-county area. After its most recent call for projects, the … Cost Of A Party bus perth party bus with Andy and ‘Save the Bees’ Party Bus. "We had an awsome time."

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CitiBusinessÂ®/AAdvantageÂ® Platinum SelectÂ® MastercardÂ®
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How to get the Southwest Companion Pass, Earn sign-up bonus miles with the Southwest Rapid Rewards cards

The Bank of America content of this post was last updated on March 20, 2020.