Personal Cards These cards are listed in order from absolute best to best (e.g the better cards are at the top).  Chase Sapphire Preferred 70,000 Points + $300 Travel Credit – In Branch Read our full review This offer is available in branch only, or can get 60,000 points + $300 online or via referral links. American Express Platinum 175,000 Read our review You might need to open in incognito mode to get the offer to show. Chase British Airways: 100,000 Points Read our review Normally this would either have a much higher $20,000 spend requirement or be for less points. Chase Freedom Flex 10% Grocery Stores Read our review Excellent 10% earn rate at Grocery Stores during the first year on up to $12,000 in spend. $1,200/120,000 max bonus possible. Increased American Express Delta Offers (Up To 110,000 Miles) Read our review Competitive offers but with Delta the bonuses tend to increase over time so I’d only recommend if you have a short to medium term need for the miles. Barclays Aviator Red – 70,000 Miles Read our review Doesn’t require any spend, just a single purchase. Bank of America Sonesta 125,000 Points Offer Read our review

American Express India is increasing the joining/annual fee by 10%. This change will take effect on October 8, 2024, and along with the fee hike, they’re also refreshing the benefits. However, I don't see these changes as positive. **New Benefits: 1. **Renewal Benefit**: A voucher worth 35,000 INR for Taj, Luxe, and Postcard Hotels. As a current cardholder, I know we already receive about 30,000 INR in benefits as a retention offer, so this feels redundant, especially since the spending requirement is set unrealistically high. 2. **Complimentary OTT Memberships**: They are offering an Amazon Prime "lite" membership, which seems underwhelming for a Platinum cardholder. It would have been much better to provide a Netflix Premium subscription instead. 3. **Complimentary Hotel Memberships**: They’ve added Accor Plus, Postcard Hotels, and iPrefer memberships. While Accor Plus has some value, it's available with the Amex Reserve Credit Card and can also be obtained through Accor points. Most Platinum cardholders I’ve spoken to don’t even prefer Accor hotels. The Postcard Hotels Platinum tier is decent, but their hotels tend to be pricey, making it less appealing. iPrefer Titanium is good, but the limited options make it hard to derive value. Instead of these overlapping benefits, a Marriott Platinum membership would have likely been a much better addition. **Benefits Going Away:** The removal of the birthday benefit and the 10K Taj voucher is particularly disappointing. So, is the Amex Platinum still worth the increased fee of 66,000 INR? For many of us, this change means losing 10,000 INR in value while paying an additional 6,000 INR. That’s a net loss of 16,000 INR on a card that’s already expensive. It feels like the team responsible for refreshing the benefits didn’t fully understand the ultra-high-net-worth individual (UHNI) segment and instead offered benefits more suited to a much lower-tier card. This oversight is surprising coming from American Express.

Regis company is absolutely another scam for virtual addresses. I had a absolutely disgusting experience with these guys even though I have spoken with them so many times and the worst part is you have to speak to the local assigned location there is no forward customer service number that you could reach. customer service department or anything like that. They locked me in for 25 months contract not explaining to me the consequences of it. Now I am trying to get out of it and I cannot they said that unfortunately you signed up for 25 months you are stuck paying for it there's no way you could get out. So guys please be careful these guys are biggest scam they do not have a proper customer service center that really helps if you feel to get help from your local assigned location. SMH.

**UCC Filing** stands for "Uniform Commercial Code Filing." It's a way for businesses to show that they have borrowed money or used some of their stuff as a promise to pay back that money. Think of it like a school project where you tell your teacher, “I borrowed these crayons, and I promise to return them.” ### Here’s How It Works: 1. **What It Is**: When a business takes a loan and uses something valuable (like equipment or inventory) as a promise to pay back, they file a UCC form. This tells everyone that the lender has a right to that stuff if the business doesn’t pay back. 2. **Where to Find It**: - **State Government Websites**: UCC filings are usually kept at the Secretary of State's office in the state where the business is located. You can visit their website to look up filings. - **Online Databases**: Some websites allow you to search for UCC filings by entering the business name. You can often find this information in state databases. - **County Clerk’s Office**: Sometimes, local county offices also keep records of UCC filings. - **NAV Business Report**: You can also find UCC filings in your NAV business report, which gives you insights about your business’s credit and financing. - **Experian Business Report**: UCC filings can also be found in your Experian business report, which helps you understand your business credit profile. 3. **Can You Delete It?**: - If a business has paid back the loan, they can ask the lender to file a "UCC Termination" form. This tells everyone that the loan is paid off and they no longer have a claim on the business's stuff. - If the business hasn’t paid back the loan, they can’t just delete it. The UCC filing stays until the loan is settled. ### In Simple Terms: - UCC filings are like telling everyone that you borrowed something and promised to give it back. - You can find this info on state websites, local offices, your NAV business report, and your Experian business report. - If you pay back what you borrowed, you can ask to remove the filing.