Ink Blue Cropped

4 Ways Ink Don’t Stink


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Chip’s Money Tips Subscriber-Extraordinaire Jacko has a question:

“Can you recommend a decent rewards card that will allow me to float some payables for a few months?”

Absolutely!  Three of the four Chase Ink cards have a 0% introductory rate for the first six billing cycles that your account is open.  Float, float on… until Summer!

Ink Classic, Ink Cash, Ink Plus and Ink Bold are similar but different.  If they were unfamiliar food, we might say they all “Taste like chicken.”

Ink Classic, Ink Cash and Ink Plus all have a 0% introductory rate for six billing cycles.  For that time period, there is 0% interest.

The Ink cards were created for business use, but that pretty much includes anyone who makes a buck doing something.  As I have said before, if you are a handyman, nanny, dog walker, actor, or sell stuff online – congratulations the IRS says you are called a sole proprietor!

When you apply for one of these cards, put your name as Name of Business, your social security number as Tax ID Number, and sole proprietor as Type of Business.  It’s all legal and legit.

Before I give you the breakdown of what each card offers, here’s a way to maximize these bonus babies!

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SmallBusinessSaturday ShopSmallCircle Smaller

TODAY is Small Business Saturday


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Happy Guilt-Free Fun Spending Day! Today’s the day to help yourself and small businesses.  Take a minute to enroll all of your American Express cards at ShopSmall.com, then spend at least $25 per transaction on each card to receive a $25 statement credit.   Not sure what to buy?  Try gift cards for local shops, baby!  Confirm participating businesses at ShopSmall.com‘s map.  More details in my posts here and here.

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AmexSBS Enrollnow

Oh it’s on! ($mall Biz $aturday)


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If you aren’t hip to this week’s Small Business Saturday awesome deal – read my post on it.  Enrollment started in the wee small hours of the night.  It ends on Small Business Saturday – November 24th.  Go to ShopSmall.com and plug in all of your American Express cards.  Go on now – GIT!  I did and immediately got an email thanking me.  If you don’t see an email, check your junk folder to make sure your card is enrolled.

Once enrolled at ShopSmall.com, check out their map of participating small businesses.  Type the name of the business in the search box or search by zip code to plan your attack.  I have so many cards to use that I am going to get multiple $25 gift certificates at a couple of my favorite restaurants – and a lube job.

Please do this for yourself and the Mom & Pop business trying to make a living.  This is a generous promotion from American Express and it really helps small businesses.

It’ll be tight, but here’s a last minute idea for you.  Remember that authorized users on your American Express card can register their cards as well.  You can still add authorized users.  You may have time.  It’s worth a shot.

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28. Chase Ink Bold 250.StillSmall Laptop

Just in Time for Festivus – UPDATE


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My bromance with my Ink Bold card has never been stronger.  Its terms were tweaked on 11/13/12, but I’m still smitten.  Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on this card and more.  Email me if you have any questions about which card might be right for your situation.

Now it is twice as easy to get 50,000 Ultimate Rewards points worth $500 in cash or $625 in travel.  The old promotion of getting 25,000 points for making one purchase has left the building.

Why should you get this one?  Like I said in the original post, it’s only a few weeks until Christmas, Hannukah… Festivus. Which means you could probably use some extra cash.  Here’s how you can actually get $500 tax free by Christmas.

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ChaseURPoints 30719sofarStacked

Too Good To Be True? Nope. See for Yourself!


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I don’t suggest things unless I think they are a good deal, and more often than not, are things I have done myself.

Last week, I got the Chase Ink Bold card and made a purchase.  Today, I received my single purchase bonus of 25,000 points worth $250 cash or $312.50 in travel – tax free!  It really is that easy.  See my statement below.

UPDATE: That offer changed on 11/13/12.  The single purchase bonus of 25,000 points went away.  Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on this card and more.  Email me if you have any questions about which card might be right for your situation.

You can earn FIVE points for every dollar spent on internet, cable, phone bills and at office supply stores.  That’s the equivalent of 5% cash back or 6.25% back for travel booked through Chase online.  To make it easy, I signed into my online accounts for DirecTV, Sprint, Vonage and Time Warner and switched my automatic bill payment credit card to the Chase Ink Bold card.  I also bought a couple $500 Visa Gift cards at Office Depot – which also qualify for 5x points.  Here’s my statement which details everything:

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28. Chase Ink Bold 250.StillSmall Festivus

Just in Time for Festivus


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This offer has been updated.

Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on this card and more. Email me if you have any questions about which card might be right for your situation.

Annie Only Bikini

How to Get Back Over-Payment $$


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Reader Jesse heard the siren song of yellow bikini-clad Annie, and dabbled in a li’l Arbitrage!  He wanted to know the best way to get the free money from his Chase Slate into his wallet and ultimately into Everbank where he could sit back and earn 1.25%.  He already had a Citi® Dividend Platinum Select® Visa® Card – $100 Cash Back card, so this was simple.

Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on these cards and more.  Email me if you have any questions about which card might be right for your situation.

Requesting an overpayment from Citi is the easiest way I have found to do this.  I recently overpaid my Citi Dividend card to show you screen captures of how I got back my over-payment (see below).  Login to CitiCards.com.  Click on the heading “Tools & Services”.  Scroll down to “Request a Credit Balance Refund”.  I had a $40 credit balance and clicked “Request Refund”.  A check arrived a couple weeks later.  Done and done.

If Arbitrage is new to you, check out the video.  In boring typing, here’s the scoop:

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Snowball

Debt Snowball is SnowBULL


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I am SO clever with the word play.  Reader Cary asked me a question related to my Debt Strategy Sessions.  Cary wrote:

“I have some friends who swear by the Dave Ramsey Debt Snowball method of paying the smallest debts off first.  But most of what I read says that strategy is too costly.  Where do you come out on this?”

My hunch is that Ramsey is appealing to the emotional side of emotional spenders.   Paying off the smallest balance, regardless of interest rate on that card, gives someone a “win”.  “Hey, I was in debt on three credit cards, I paid off the one that was doing the least damage, and now I only have two left!  That’s good, right?!”  Yeah, yeah, yeah… you IDIOT!

Without question, it makes the most sense to pay off the highest interest rate credit cards first, because those charge you the most interest, or money.

But people do not always do what makes the most sense.  They do what is emotional.  In most cases, people got in debt by making emotional purchases of stuff that they could not afford, because those purchases made them feel good.

More Spock, less Snooki

Are we not evolved creatures?  Are we going to let emotions guide our actions?  You

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Nanner

Nanner Passed Away Suddenly


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A good friend of mine passed away suddenly last week (see video below). Just like when I flew to see my dying dad, I needed a plane ticket asap. Instead of buying a ticket for $1,102, I used Delta frequent flyer miles that I have been saving. Delta frequent flyer miles never expire.

I suggest that all adults have frequent flyer miles in reserve for such emergencies.

Don’t compound a huge personal loss with a huge financial loss.  An airline “bereavement fare” is only a slight discount off the expensive ticket.  Bereavement fares are for close family who must be there – not friends.  Basically, if you aren’t mentioned in the obituary or married to someone who is, don’t expect to get the discount.  Airlines have requirements that must be met and they call the funeral home to confirm.  Even if I qualified to get the bereavement fare, Delta told me that it would still cost an even $1,000.

You can quickly earn 30,000 Delta frequent flyer miles (more than enough for a free flight) with a Delta SkyMiles Gold Amex card for Personal as well as one for Business use.  You can get BOTH and end up with 60,000 bonus miles. Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on these cards and more.  Email me if you have any questions about which card might be right for your situation.  Here’s how to fill out the business application.

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Chase Slate2

Update: Slate, as in “Clean”


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Wipe your credit card interest slate clean. Pay 0% on Purchases and 0% on Balance Transfers for 15 months + No Transfer Fee!! Oh, and No Annual Fee.

Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on this card and more.  Email me if you have any questions.

Apply for the card, then transfer your higher rate balances on other cards to this card during the first 60 days your account is open. You will pay NO BALANCE TRANSFER FEE! That’s huge. Any new balances that you transfer over after AFTER your account has been open 60 days, will get hit with a fee of 3% of the amount transferred with a minimum of $5. You wanna avoid that 3% – which is the norm for balance transfer cards.

Stop paying interest with the New & Improved, cleaner and slatier Chase Slate!

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