One Cent At A Time

A Personal finance blog for saving money and earning more and thus having a better life

Share Your Chase Card Referral Links to Earn Extra

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One of the perks of owning credit cards is the ability to earn more cash or points through card referrals. We will talk about the chase card referral today. I’ll share my referrals and encourage you to share your referrals through comments so that each of our readers takes advantage of this opportunity. As my reader, you’ll earn some money on the side.

Chase credit card referral bonus

Earlier we talked about credit card rewards and travel hacking, where you can travel for free with accumulated miles and points on your credit cards. Referrals are an additional way to accumulate more points.

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Maximizing Credit Card Rewards and Points

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In the last post, I touched upon the idea of credit card rewards and sign-up bonuses. Now I am going to expand it a bit and share my experience with you. For those who’re joining late, this is about travel hacking to get (almost) free airfare and hotel stays, multiple times a year. Let’s embark on the journey now.

I was near 100% credit card user for the last 10 years. I used to pay only mortgage and utility bills using my bank accounts. For everything else, I used credit cards. As a result, I earned a lot of credit card rewards and cash backs.

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Credit Card Sign-Up Bonuses and Rewards

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This is the first of a series of posts I am going to write on credit cards and travel hacking. I started with this hobby recently and I want my readers to get benefited by what I have learned so far. If travel is your thing and you can use credit cards with ease, this series is just for you!

credit card signup bonuses and rewards

Often we, personal finance bloggers, ask our readers to limit credit card usage. That’s only applicable for people who have had a bad history is handling credit cards. Typically if you are a person who likes to carry credit card balance month to month you shouldn’t use a credit card at all. financially it makes no sense!

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Wise Use Of Credit Card Can Help You Avoid Debt

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I would like to start by mentioning that, I never paid a late fee or interest while using credit cards. I earned $1000’s in rewards and cash backs so far. This goes on to prove that wise use of cards can help you financially while providing all the ease of using card vs. cash.

Credit Cards

Credit cards can apparently seem to be convenient for the consumers. But the susceptible consumers are exposed to high risks due to bad spending habits as they spend more than they can afford. A considerable number of US consumers have multiple credit cards, and each card has a large amount of outstanding dues on it. So, the debt stricken consumers opt for credit card debt settlement programs to pay off their owed amount.

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Credit Card or Debit Card

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One very often discussed topics in personal finance discussion is whether to use a credit card or debit card. Here is how I handle my cards.

I have 4 credit cards Chase Freedom, American Express Gold, Citi Bank select platinum and Bank of America American Express platinum, also, I have BOF Visa Debit card. I seldom use debit card, as they do not give cash back or rewards. I did have ‘Auto Pay’ set up on all of credit cards where the entire monthly balance, what they call Total outstanding balance is deducted from my checking account, before they start accruing fees and interests. I do not have to remember to pay off the cards.

The other reason I keep 4 credit cards is I can build up my credit score by using them and paying the dues on time. When I first reached US, banks refused me to have any credit cards due to lack of credit history, I started with BofA secured card. Since then I applied for a new credit card each year. In 2005 I got my first secured card, 2006 got me my Citi card, 2007 I applied and got Chase Freedom. In 2008 I got an offer from BofA to convert secured card to BofA – American express credit card, which I gladly accepted.

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