[quote=AN][quote=HLS]I can rant on as long as anyone BUT can also provide info that can make/save people money AT NO COST. Guaranteed. PERIOD.
It’s not economic theory OR projections OR NPV gibberish. It’s reality.

As far as credit cards go, I get $500-$750 every time I open a credit card account, with an 800+ credit score

I’ve probably had over 100 credit cards and have been on lots of flights, cruises and hotel nights FOR FREE.
Use of credit cards responsibly is a goldmine for responsible adults. (and can RAISE a credit score)

I’d be embarrassed to say that I only had 4 credit cards.
I think I have 18 right now and just got a Delta Amex card last week, that comes with enough bonus miles for a FREE round trip nonstop LA-Belize or other Caribbean locations. (There’s $57 tax to be paid to Belize)
and get to check 1st bag free.

I’ve paid mortgages off with 1-2% loans from credit card companies. I deal with facts, not theories.
Certainties, not projections.

Just because 99.5% of people don’t ‘get’ certain things, it doesn’t mean they’re wrong.
There are plenty of loopholes and ways to benefit when people are willing to listen instead of argue about things that they really don’t understand.[/quote]Shhh… don’t tell all the secret :-D. I just had a 4 round trip plain tickets to Hawaii and car rental for 8 days free of charge, thanks to credit card. I would never travel any other way. I’m planning a mini stay-cation this October and am looking into the 2 free nights Hyatt credit card, so I can stay at the Park Hyatt for free for 2 nights.[/quote]

You know AN, I have to thank you about bring up the frequent flyer miles thing you did over lunch.. That was a pretty interesting tip. I’m in the process of mind melding your FF tip with how eBay Bux program works when it comes to precious metal purchases…Since I was planning on stacking up on gold anyway, I might as well try to rack up frequent flyer miles in the process…Too bad eBay limits the rebate to $500/per quarter.