Get a $10 Discover GC For Every $100 Spent at Participating Malls

Discover

From August 1 through September 7, 2008, Discover card holders will be able to earn a $10 Discover gift card for every $100 they spend using their Discover Card at any of 45 participating shopping malls nationwide. Earning the gift cards is quite simple–just shop at a participating mall with your Discover Card, then present your original receipts to customer service by September 7, 2008. There is a limit of 5 gift cards that can be earned per account during the promo period and supplies may be limited.

To see the list of participating malls, see this link.

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Get Up to 2000 Bonus Starpoints for Adding Cardholders to Your SPG Amex

American Express, Travel Cards

Existing Starwood Amex cardmembers can earn up to 2000 bonus Starpoints by adding cards to their account. The fine print:

1,000 bonus Starpoints will be awarded to your Starwood Preferred Guest Account 8-12 weeks after the first purchase on an approved Additional Starwood Preferred Guest Credit Card submitted with this application. The Additional Cardmember must make their first purchase with the Starwood Preferred Guest Credit Card within one year of Card approval. Bonus offer applies to first 2 Additional Card added on this application only.

Link (Via FT)

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Paying the Mortgage with Credit: ChargeSmart Tries Where Others Have Failed

General

Is there a market for a service that allows you to pay your mortgage on your credit card? History so far says “no.” Last year, Amex introduced a program with American Home Mortgage and IndyMac that allowed cardmembers to put their mortgage payments on their Amex after paying a one-time fee of $395. However, American Home Mortgage is now bankrupt while IndyMac looks to be headed that way as well. Another company, CardIt LLC, introduced a service late last year that allowed mortgage payments to be charged for a fee of 2.49% plus $19.99 per transaction. That business also has already failed.

Now, another company is giving it a try, and its business model appears to be largely the same as CardIt’s, though it boasts access to a larger network of billers and lower transaction fees.
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ShopDiscover Delivers More Cash Back

Discover

ShopDiscover is Discover’s loyalty program that rewards members with cash back rebates for shopping online through its portal. It’s similar to Ebates, FatCash or uPromise–when you visit a participating merchant through ShopDiscover’s links and make a purchase, you’ll earn a percentage of your spend. What is somewhat surprising is that, according to SD, Discover has increased the cash back it is offering so that it is now higher than competing websites for many popular merchants.
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Chase Business Rebate Card: 0% BT for 15 Months, 7.99% Fixed Afterwards

Balance Transfer Offers, Business Cards, Cash Back Cards, Chase

For a limited time, Chase is offering an intro 0% on balance transfers for 15 months on its Business Rebate Card with a balance transfer fee of 3% (min of $5 and max of $99). After that, your interest rate goes to a low 7.99% fixed on both purchases and balance transfers.

There is no annual fee, plus the card earns cash back rewards: a 3% rebate at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores; 1% everywhere else.

Link

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Has Your Bank Slashed Your Credit Card Limit?

General

You probably pay your credit card balances each month (if not, you should). But, have you checked your limits lately? There’s been a huge shakeup recently as card issuers are starting to feel the mounting pains of increasing delinquencies.

Traditionally, you could expect that as long as you kept paying your bills on time and maintained your account in good standing, your credit line would remain stable, if not increase. That’s beginning to change.

A lot of people are opening their statements and discovering their card limits have been slashed to a fraction of what they once were. The reasons may startle you.
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FNBO Platinum Visa: 0% for 15 Months on Purchases

FNBO

The FNBO Platinum Edition Visa offers 0% APR on purchases for the first 15 billing cycles after your account is opened with no annual fee. The 0% intro rate does not apply to balance transfers or cash advances. Since the card doesn’t earn any rewards and balance transfers carry a 3% fee with no cap and a $10 min, the primary attraction for this card is its lengthy 0% intro period on purchases. Since FNBO is also known to give rather generous credit lines, the card could also potentially help burnish your credit score.

Link

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Order Dollar Coins with Your Credit Card at Face Value with Free Shipping

American Express, Discover, MasterCard, Visa

In an effort to increase circulation of its dollar coins, the US Mint is offering free standard shipping on orders of its Presidential $1 Coins. Customers may order up to 500 of each $1 Presidential Coin and orders may be placed with any major credit card, including Visa, Mastercard, Discover or American Express. To spell out the obvious, this is an opportunity is the ability to purchase a cash equivalent on your credit card at cost, thus earning points or miles for “free.”

Link (via FT)

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