The Citi Hilton Visa has an increased sign-up bonus of 75,000 Hilton points. That’s nearly double the usual sign-up bonus of 40,000 Hilton points.
You can use the bonus for a night at a fancy hotel or up to 15 nights at Category 1 hotels!
Get 75,000 Hilton Points When You Get the Citi Hilton Visa Card. This Is a Great Sign-Up Bonus for a NO Annual Fee Card!
I’ll show you what you can do with 75,000 Hilton points!
Thanks to Million Mile Secrets readers for sharing your comments and recent experiences applying for Chase cards.
I wrote about the rumored new Chase card application policies, and what we know so far. Chase has NOT officially shared any details.
But there are good discussion points from our readers! And some folks are still getting approved even with lots of recently opened cards.
Some of Our Readers Are Still Getting Approved for Chase Cards Despite the New Rules
Let’s look at some of the new information from Million Mile Secrets readers!
For some folks, it’s difficult to get approved for miles and points earning credit cards issued by US Bank. They’re known for denying applications from folks who have a lot of recent inquiries on their credit report.
Part of the reason US Bank is so picky is because they may pull your credit report from 2 lesser-known credit bureaus, IDA (SageStream) and ARS.
And these agencies often include additional information on your report that other credit bureaus don’t share.
US Bank Pulls Your Credit Report From 2 Secondary Credit Bureaus, and That Can Hurt Your Chances of Being Approved
But you can freeze your IDA and ARS credit reports so that US Bank can’t access them. And that could improve your chances of getting approved for a card like the US Bank Club Carlson Premier!
I’ll explain how to do it!
Million Mile Secrets reader Kendra emails:
Can you address if you or others have run out of cards to apply for?
I applied for 10 personal and 6 business cards last year, and I’ve gotten denied for my recent applications with Capital One, Chase, and Barclays (already have 2). I can’t believe you can get 6 per quarter for years. I feel like we’re at a stopping point and have to give up on this game for 6 to 24 months. My husband thinks the game is over for us. We just started in June 2014.
I’m not going to call the Capital One reconsideration line for the denied credit below because it’s all true. I noticed you don’t promote Capital One cards on your website. Is it because they are difficult to get?
- Based on your credit report from Equifax, too few or no revolving accounts have a balance
- Based on your credit report from Trans Union, there are too many new revolving accounts
- Based on your application information, income is insufficient for requested credit
This can be common issue for folks who’ve been collecting miles and points for a long time. But you don’t see it so often with folks who are new to the game!
Being Denied for Credit Cards Can Be Frustrating, Even for Folks Who’ve Been Collecting Miles and Points for a Long Time
It can be tempting to apply for lots of cards when you 1st start collecting miles and points. But I’ll explain why this isn’t always a good idea!
Thanks to Million Mile Secrets readers for letting me know about their recent Barclays card applications.
I’ve written about Barclays becoming much stricter about approving folks for more than 1 or 2 credit cards per year. And some readers have had existing accounts closed down when they’ve called the Barclays reconsideration line to ask for approval.
You Might Only Get Approved for 1 or 2 Barclays Cards