Hustler $$$ Blog

Do you have any loan, whether it’s a car loan or a personal loan, that is greater than 3% APR interest rate? If so, then you need to apply for the Advanta Life-of-Balance Platinum Card. The card gives you 2.99% APR fixed for life when you balance transfer within 3 months of getting the card. On top of the low interest rate, there is absolutely no balance transfer fee. There is also no annual fee. Even though this is a business card, anyone can apply.

Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.

The Advanta card is for those who want to lower their high interest rate and pay it off for years to come. The 2.99% APR fixed rate is even less than inflation. By using this card to balance transfer, you will be saving hundreds and possibly thousands depending how big your loan and high your interest rate. Lastly, the balance on your business cards does not show on your personal credit report. This will have a positive impact on your credit report due to low debt/high credit limit ratio.

Advanta Life-of-Balance Platinum Card

• 2.99% Fixed APR for Life on balances transferred within 3 months
• Choice of 6% Cash Back or Travel Rewards
• No Annual Fee and No Limit on Earnings
• $0 Fraud Liability
• Personalized card — your company name on the top of the card

Apply Now!

It has been only over a week, and Chase already having a new $125 bonus. Chase needs to just get rid of the deadline. For this $125 bonus, you must sign into your Chase account (bank or credit card) in order to see the promo page.

Sign into your account, then click this $125 bonus page. You can apply online or print out the page to take to a local branch. Remember to get a referral coupon from a friend in order to get an extra $25 if you are going to open in branch. I hear, however, that Chase is cracking down on this. YMMV.

The physical locations are in Arizona, Colorado, Connecticut, Florida , Illinois, Indiana, Kentucky, Louisiana, Michigan, New Jersey, New York, Ohio, Oklahoma, Texas, Utah, West Virginia and Wisconsin. I believe anyone can sign up online.

You must set up direct deposit in order to get the $125 bonus. Try first with Paypal. If it doesn’t count, then try ING, Citibank, etc etc via ACH transfer to see if it counts as direct deposit. Your account must be opened for 6 months before closing.

Here’s the fine print from the promo:

It’s easy to get $125!1. Print this page and take it to your local Chase Branch or apply online by July 31, 2008.
2. Open a Chase Free Checking account with Direct Deposit.
3. Watch your account. We’ll deposit $125 into your new Chase Free Checking account within 6-8 weeks of establishing direct deposit.Chase Free Checking is more than free, it’s:

* FREE with Direct Deposit or 5 debit card purchases*
* FREE access to more than 9,000 Chase ATMs
* FREE Online Bill-Pay - including our Online On-Time GuaranteeSM**
* FREE Visa® Check Card with Zero Liability*** protection
* FREE Account Alerts sent by phone or e-mail to help you avoid fees
* FREE access to any of our 3,000 branches nationwide

**If you do apply online, make sure you check the part “no thanks, I don’t want to order checks” since it will cost you $23 to do so.

Once you set up your checking account, enroll your debit card in this $75 Chase promotion. You will get $75 cash back for using your debit card when you charge $750 for everyday purchases.

Chase Freedom^SM Credit Card gives you another $50 bonus after first purchase

• Receive $50 after you make your first purchase
• 3% Cash Back in your top 3 everyday spending categories
• 1% cash back for every $1 you spend on all other purchases
• Receive an extra $50 each time you save and redeem $200 in rewards

Apply today!

Math: $125 bank bonus + $25 referral bonus + $75 debit card bonus + $50 Chase freedom bonus = $275

Pentagon Federal Credit Union, or Penfed, is the third largest credit union in the country. With over $9 billion in assets and 714000 members, they offer some of the best Home Equity Loan, Home Equity Line of Credit, and Car Loan rate in the country. The best part is anyone can join!

If you are affiliate in any way with the military, then check this application page. However, people who has no affiliation with the military can become eligible by joining the NMFA association. Joining NMFA will cost you a one time fee of $20. There is no need to renew membership.

Start at your online application page, then join the NMFA and Penfed, and fund your account with $5 via credit card. You will select a PIN number, and then receive a membership number. You will receive all your membership info in three days to your address.

What is so special about PenFed? To start, they are offering 4.25% auto loans on all new and used vehicles. The loan terms can be as long as 72 months for new vehicle. If you are paying anything more than 4.25%, you should join Penfed right away and take advantage of the low rate. This can save you hundreds, if not thousands of dollars.

They are also offering 4.99% APR on Home Equity loans and Home Equity Line of Credit. There are no closing costs and the rate is fixed up to 120 months. If you have high credit card debts, then getting a HEL or HELOC might be the best way to go to save you money. This is not an excuse to spend more than you can afford. Go with my philosophy- Offense on making side income, Defense on everyday expenses.

Chase BP Visa® Card gives you 10% rebate for BP purchases for first 60 days.

• 0% APR for up to 6 months
• No Annual Fee
• Double Rebates for two months
• 5% rebates on all participating BP location purchases
• 2% rebates on all eligible travel and dining purchases
• 1% rebates on all other eligible purchases
• No limit on rebates
• Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund

Apply Now!

From now until May 11th, you can visit Sears or K-Mart and get a $10 bonus for every $50 gift card purchase. Here’s the hustle though, you can purchase K-Mart gift cards, get the bonus, then go to Sears and use K-Mart gift cards to purchase Sears gift cards and the bonus, over and over again.

From one slickdealer on this thread:

I walked into Kmart with $1000. Walked out with $1200 GCs. Walked into Sears, picked up 4 gift cards, told the cashier to put $300 on each one. Swiped the Kmart cards, walk out with $1200 on regular Sears GCs and $240 in bonus GCs. Go to Kmart, pick up 5 GCs, tell cashier I want 4×250 and 1×200…Show cashier how she can input the total bonus once, instead of inputting a $10 bonus 24 times…so I walk out with the $1200 in cards I purchased, and a bonus card of $240. Go to Sears, pick up 6 cards, put 250 on 5 and 190 on one…pay with Kmart cards…take all the $10 cards, put them in a Sears bag, toss it in the trunk with the others.(it takes too long to activate them, just get down the road to the next store).

I made over $2300 in one day doing this, I made a total of 8 stops (4x Kmart, 4x Sears)

Is this unethical? most likely. Is this against the law? Absolutely not. This is just a loophole that K-Mart and Sears didn’t see it coming. You might want to read some more of this thread for more info.

Platinum Business FreedomPass® Credit Card from OPEN^SM the small business team gives you 5000 bonus points = $50 after first purchase.

• 5,000 point welcome bonus with first purchase
• Earn 1 point for every dollar you spend
• Redeem for savings on any flight, hotel, car rental or cruise
• No blackout dates and no travel restrictions
• 0% Introductory APR on purchases for the first 12 months
• No annual fee and the option to pay over time or pay in full
• Fee-free Additional Cards
• Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.

Apply Now!