Part One is Here There are considerable changes between FICO 8 and FICO 04. FICO 8 is the most “pro-consumer” model to date, although some new measures are more punitive. Here is what changed (from the horse’s mouth): High credit card usage FICO 8 score is more sensitive to highly utilized credit cards. So if… Continue Reading
Tag Archives: frequent flyer miles
The New FICO Score Model is Coming Our Way This Summer!
Um… Yey? When people tell you let’s check your score, this is what they mean. They don’t mean your score at Credit Karma, Credit Sesame or dozens of other scores developed by clever marketers, including the ones from major credit bureaus. Understanding the difference between FICO and every other score in existence (nicknamed FACO)… Continue Reading
Update of My Best Credit Card Lists for Free Travel
My extensive list of the most awesome credit cards for FREE FLIGHTS and FREE STAYS is updated with a couple of new offers. Citi Hilton HHonors has increased the bonus from 50,000 to 60,000 points. The deadline is 08/31/14. The old offer was a $50 statement credit if you stayed at Hilton within 3 months… Continue Reading
New IHG 5,000-point PointBreaks List: Valid Untill July 31
Quite honestly, I don’t remember the last time everyone was so excited about the IHG 5,000-point PointBreaks. Everyone and their mother has been speculating, guessing, speculating some more. Maybe that’s because of the rumors of the impending doom (there have been consistent speculations that PointBreaks will be replaced with flat 50% reductions as they do now… Continue Reading
Guess Who is Chase’s New Transfer Partner & Why You Shouldn’t Get Excited About It
The Chase Ultimate Rewards program has added Singapore Airlines to its list of partners. Yey! I know. Every time anyone mentions Singapore Airlines, people think first class suite with the biggest bed in the sky. And then, they become all hazy. Isn’t it great? Sure, any development that gives us more options is great.… Continue Reading
My Weekend at the Willard in Washington and Update about Being Charged for the Free Night
UPDATE: Yesterday, I posted that I had been charged by the Willard IC for my free annual night: I Got Charged by InterContinental for a Free Night! Today I received this email. Good evening Mr. Shuman, Thank you for contacting us through WebGuru [I have no idea what it is, I just called IHG and… Continue Reading
I Got Charged by InterContinental for a Free Night!
As you know from this post, I used my two Chase IHG free nights for the previous year and this year to book my weekend getaway at the Willard InterContinental in Washington, DC. Now, it was not a straight redemption, of course. My two free annual nights for the last and current year overlapped back in… Continue Reading
Broken Website, Heading to Washington, New Cards Roundup.
Broken Blog Sorry for being out for so long. Had a technical problem with the blog. After upgrading WP to the latest version, I lost the ability to type new posts. I almost plucked whatever hair I had left trying to figure out what was going on. I deactivated all plugins one by one, edited my… Continue Reading
LAST CHANCE: $19 for All Inclusive Stay: Ends Today!
Today is the last day when you can book an All-Inclusive stay at Lifestyle Tropical Beach Resort and Spa in Puerto Plata in Dominican Republic for $19 per person per day. That makes the cost of staying at this huge resort with fabulous grounds including all the food, booze, activities and entertainment (which is… Continue Reading
The Real Cost of Meeting Spend Requirements: Lost Profit
As you know, my true passion is travel, not Manufactured Spend. I had never looked into making profit from our hobby aside of free trips. I had been advocating against going into Manufactured Spend for profit for a long time; right until it stopped making sense. However, increased spend requirements and decreased benefits of the loyalty… Continue Reading
Copyright © 2025 lazytravelers.net. 2013-2020 All Rights Reserved.
Follow
Get every new post delivered to your Inbox
Join other followers