🚨 Hyatt is sending out emails again to join a Status Challenge with AA and receive Platinum Pro Status for 4 Months with the option to continue obtaining status if you hit certain miles metrics. I believe this is more directed towards Hyatt Status members, so if you have Explorist or Globalist Status currently, i’d check your email and offers tabs in app, although anyone could be targeted so i’d check either way. This usually means AA status members are also being offered the same to reach Hyatt status so you can check your offers if you already have AA status. I am currently in this status challenge which i joined late last year and is how i've had AA Platinum Status all year long. If you have not received an email, The way you get or receive these emails is from having your Hyatt Account also attached to your American Airlines account and vice versa. They have a partnership with one another, and also why i mention you should have an account number with all hotel brands and airlines so you can tap in when they send out status challenges and fast track ways to achieve award nights 🔑 If you want to earn miles within the 4 Months to keep extending status or obtain higher status with American here are the ways you can earn miles 1. Flying on Cash Flights with AA 2. Cash Stays with Hyatt - accounts attached 3. Using AA eshopping portal (easiest way, large mile bonuses for signing up to certain things or purchasing items on certain websites) 4. Using an AA cobranded credit card and earning miles thru spend 5. Participate in Buyers groups and use an AA card (would be a very good complementary activity if you already do it) I personally have gotten Platinum just by using the eshopping portal and opting in to different meal plan services, and other large mile redemptions they have on their site. It's also very similar to Rakuten, so if you have some higher expenses with stores with the upcoming holidays late in Q4, use the shopping portal to see if the stores you shop at have way's to get miles.

Navy Federal Credit Union (NFCU) is the largest credit union in the nation and is known as "The House of High Limits." It is highly regarded for its ability to help individuals build credit. In this lesson, we will learn how to become a member of NFCU, even if you are not affiliated with the military or have any relatives in the military. NFCU has certain rules that should be followed when applying for credit cards or credit limit increases. The 91/3 rule suggests waiting at least 91 days and ensuring that 3 billing cycles have closed before attempting any other credit-related activities at NFCU. This rule emphasizes the importance of allowing sufficient time for billing cycles to complete. There is a belief that applying for credit cards during late-night hours when the NFCU credit underwriting office is closed may increase the chances of instant approvals and higher credit limits. However, the significance of the time of day is debated, and it is generally believed that credit approvals are primarily based on factors such as a solid credit report, verifiable personal identification information, and a good relationship with NFCU. NFCU offers various credit products with high limits and no documentation requirements. The Navy Federal Flagship Credit Card has a limit of up to $80,000 without requiring extensive documentation. Other cards, like Cash Rewards, have maximum limits of $50,000. It is recommended to stick to Visa/Mastercard network versions of the cards and avoid Amex network cards. NFCU also provides personal loans up to $50,000 with no documentation required, home improvement loans up to $50,000 without verifying home ownership, and auto loans up to $100,000 with excellent rates. NFCU offers credit builder products, such as the "Pledge Loan," which is a savings-secured loan that helps generate a positive installment account on your credit profile. This loan does not require a credit check and can be opened even with bad or no credit. Additionally, NFCU offers a secured credit card that helps build credit and can graduate to higher limits and better cards, such as the Flagship, after holding the Cash Rewards card for a year.

El objetivo principal con el crédito es tener un buen historial crediticio para poder obtener la aprobación en lo que necesites y obtener las mejores tasas. Hay dos tipos principales de personas en cuanto a los objetivos crediticios: 1. Los "tipos de configuración ligera": Solo quieren tener un crédito sólido para tener estabilidad financiera y poder obtener la aprobación en lo que necesitan. No quieren tener demasiadas cuentas o tarjetas de crédito, pero desean tener confianza en su situación financiera. 2. Los "maximizadores": Quieren obtener el máximo provecho del sistema crediticio. Están dispuestos a asumir más responsabilidad y enfocarse en construir su historial crediticio. Su objetivo es expandirse a más de $250,000 en crédito empresarial y aprovechar los puntos y las recompensas de viaje. Ven el valor de involucrarse completamente con el crédito. Ambos tipos pueden disfrutar de beneficios como pagar menos por los gastos, tener influencia en las decisiones financieras, estar preparados para emergencias y mejorar su calidad de vida. Tener buen crédito te ayuda a ahorrar dinero y te brinda oportunidades de obtener recompensas y beneficios.

Credit Karma muestra una puntuación de crédito de Equifax y Transunion. Pero estas puntuaciones no son iguales a la puntuación FICO. Utilizan un modelo de puntuación diferente llamado Vantage, que es más barato para ellos. Sin embargo, la puntuación Vantage puede diferir en 20-30 puntos de la puntuación FICO, por lo que no es muy confiable. Credit Karma también ha tenido problemas legales porque utilizaron la puntuación Vantage inflada y anunciaron falsamente ofertas de tarjetas de crédito "preaprobadas". Lo hicieron para ganar más dinero a través de comisiones de afiliados. Es importante saber que la puntuación no es tan importante como el informe de crédito. Y la mayoría de los bancos en realidad utilizan la puntuación FICO, no la puntuación Vantage. Por lo tanto, no es la puntuación correcta en la que enfocarse. No te dejes engañar por el diseño atractivo y los anuncios de Credit Karma. Son una empresa que obtiene beneficios a través de asociaciones de afiliados. Por lo tanto, sus recomendaciones pueden no ser confiables.