Frugal

How to get free credit monitoring & scores

Experian Experian is the easiest of the three major credit bureaus. They bought out freecreditscore.com and now offer free unlimited access to reports and a FICO8 score updated monthly. Your score and report will automatically update if something changes (e.g. a hard pull or a derogatory mark). They will try to upsell you on the paid membership but don’t get…

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Cashback, Manufactured Spending

Bumped App Review

The Bumped app is interesting because it provides you with company stock instead of cashback. You can sign up for the wait list here if you are interested. How does it work? Bumped uses plaid to roll their own backend. This means that similarly to the Pei app, it can be stacked with any other cashback app. When you first…

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Manufactured Spending, Stretching the Dollar

Pei App Review

What is it? The Pei app hooks up with your credit card and bank accounts through plaid and gives you cashback in exchange for your financial data. You can get cashback for various businesses. Pei has a minimum cashout of $15 which is relatively low compared to the competition. What businesses give cashback? Uber & Lyft McDonald’s Dunkin’ & Starbucks…

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Manufactured Spending

Manufactured Spend with AMEX in 2019

American Express manufactured spending rules It plainly is not allowed and that is enforced heavily. AMEX has been enforcing their anti-MS rules so extensively that it has affected normal customers as well as churners. How does AMEX detect MS? AMEX appears to use a variety of methods in order to detect MS. This includes: Using L3 data to directly see…

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Manufactured Spending

The 2019 Guide to Plastiq

What is Plastiq? Plastiq is a website which allows you to pay your bills using a credit card. This can enable you to earn points on your purchases as well as earning signup bonuses more easily. Plastiq charges a flat 2.5% fee on all payments involving a credit card. They charge 1% if you are using a debit card. If…

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Credit Card Reviews

JetBlue Plus Credit Card Review

At a glance Annual Fee: $99Bonus Earns: 6X Jetblue purchases & 2X at grocery and restaurantsSignup Bonus: 40,000 B6 points after $1k in spend within 3 monthsFree checked bags for you and 3 other companions$100 JetBlue Vacations Package CreditSubject to 6/24 The Major Benefits A free checked bag for you and 3 companions 6X points on JetBlue purchases 2X at…

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