How I Earned 30,000 United Miles in 3 Months Without Using a Credit Card

We all know that credit card sign-up bonuses are the easiest way to fly for free. When planning my trip for Italy for next summer, I decided to transfer 60,000 of the 100,000 point sign-up bonus from Chase Sapphire Reserve to United. This would be enough for economy flights back from Milan for my boyfriend and…

Some Credit Cards Take Months to Show Up on Your Credit Report: Here’s Why That’s a Good Thing

There are three credit reporting agencies in the United States: Experian, Equifax and TransUnion. Regardless of which bureau a credit card company uses to pull your report, new accounts will be reported to all three. However, some credit cards like ones from American Express may not post to your credit report immediately. In these situations…

Complete Guide to Earning Points and Miles with Surveys

There are many ways to earn airline miles and hotel points without flying or booking a room. My favorite method is taking surveys. I usually do a few per day to pick up some spare points. Here’s everything you need to know about taking surveys for points and miles. Understanding the Different Survey Companies There…

Why You Should Know Which Credit Bureaus Banks Pull Before Applying for a Credit Card

Credit Bureaus 101 There are three credit reporting agencies in the United States: Experian, Equifax and TransUnion. All three collect information including if you pay your bills on time, if you’ve ever filed for bankruptcy, and where you live and work. When applying for a credit card or loan, companies will pull your credit report…

Weird Problem Transferring Chase Ultimate Rewards Points to Travel Partners

Earlier this week I booked two economy tickets from Milan to Boston using United Airlines miles. I had 32,000 United miles already so all I had to do was transfer 27,000 Chase Ultimate Rewards points to United to complete the 60,000 mile booking. I logged onto Chase Ultimate Rewards through my Chase Sapphire Reserve account.…