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User Questions & Answers about Credit Cards:

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Leo Zhu,

CreditLand Consultant on Credit Card Questions:

People always keep many different questions in their heads and not always have a suitable person to address. So, at least in this section you may ask the one about credit cards. Any question about credit cards that disturbs your peace is welcomed here. Don’t hesitate and ask our experts.

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My wife and I are trying to get to Thailand using mileage. We would like to fly Cathay Pacific, a partner. May we combine our American Air miles and our Alaska Air miles to eventually accomplish this goal? How many miles would it take for 2 free business class seats to Thailand, next October? Thanks

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Unfortunately, you can't transfer points between these frequent flyer programs, even though American Airlines AAdvantage and Alaska Airlines Mileage Plan are partners. You can earn miles when flying on a partner airline and redeem miles for flights on a partner airline, but you can't combine ... Continue reading
What if I don’t what my Aeroplan Visa credit card, should I keep it open for credit history? And if I close it, will it hurt my credit?

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Of course, sometimes it is good to keep some credit accounts open for your credit history. However, the TD Aeroplan Visa credit card has an annual fee, which is rather high, so you may not want to keep it open. Continue reading
I heard there is Skypass secured credit card, do you think I will qualify? my credit is bad. And will I earn miles with this card?

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There is a Skypass Visa Secured credit card offered by U.S. Bank. Since it is a secured credit card, you should not have any difficulty getting the card. Continue reading
I want to close my Aeroplan credit card but is has some balance. Which card would you recommend to apply to transfer my balance and pay it off at 0% interest rate?

Answered by , at

First of all, we would not recommend you to apply for a TD Bank credit card simply because balance transfers between two credit cards that are issued by one bank are impossible. Continue reading
I want to apply for Onetravel Visa Signature credit card but cannot find where to apply. It only offers me to apply for Onetravel card that is not Visa. Can you help?

Answered by , at

OneTravel credit cards have a bit tricky application process. You won’t find a separate application form for each card. There is only one application form. When fill out and submit your application, the issuer will decide whether you qualify for a OneTravel Credit Card, a Visa Card, or a Visa ... Continue reading
Is Avianca Vida Visa card available in MD? When I tried to apply for the card a couple of months ago, it wasn’t.

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Unfortunately, the card is unavailable in Maryland. But the company is working on it and there is a chance their cards will be available in this state. They've started accepting applications from D.C. residents recently, so the chances are not zero. Continue reading
I have RC Wiley credit and want to transfer the balance I have on it to a credit card and then close my RC Willeys account. What card would you recommend? My credit is good.

Answered by , at

When it comes to transferring balances from cards like the rc willey financing card, there are a wide range of general rewards cards available that come along with balance transfer offers. These special offers let people transfer balances to a card with a low or no APR, so they can save money in ... Continue reading
Is there the 60K promo for Avianca credit card? My friend used the promo code to apply.

Answered by , at

There's no Avianca credit card with such promo offer. The current Avianca credit card offers are as follows. The Avianca Vida Visa card allows you to get 20,000 bonus LifeMiles after the first card use. The second card, the Avianca Vuela Visa card, gives you 40,000 bonus LifeMiles after the first ... Continue reading
I’m not sure what the difference is between a store credit card and a MasterCard or Visa. Can you explain how they are each meant to be used?

Answered by , at

It can be a little bit confusing to understand the difference between these types of cards, for sure. After all, they look the same and both function as credit cards. But a store card, like a Massey credit card, can only be used to purchase things at the particular retailer which issues it, or from ... Continue reading

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