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Chase is now offering up to $250 as a signup bonus on the Ink Cash Business Card. You’ll earn 15,000 bonus points after your first purchase (worth $150 in cash), plus another 10,000 bonus points after you spend $5,000 within the first 3 months (redeemable for another $100 in cash back).

Chase has also made the cash back rebate on purchases a bit more lucrative: You’ll now earn 5% cash back on the first $25,000 spent annually on office supplies, wireless, landline and cable services (including bundled TV, high speed internet and phone), 2% cash back on gas and dining up to $25,000 in spend every year and 1% cash back on everything else.

The card also has an intro 0% APR on both purchases and balance transfers for the first 6 months, although balance transfers are assessed a hefty 5% fee, with a $15 min and no cap. There is, however, no annual fee.

Ink Cash Business application

Another Ink business credit card offering a $250 bonus is the Ink Bold with Ultimate Rewards. The Ink Bold is a pay-in-full card with no interest expense and up to 30 days to pay.

Under the Ink Bold offer, you’ll earn 25,000 bonus points after your first purchase (worth $250 in cash, or more if redeemed for travel). In ad

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Tags: Bonus, Signup Bonus

Whoever is the head of global data security for Sony hasn’t had a good year.  In the wake of the well covered PlayStation breaches and the subsequent class action lawsuit, now it seems as if hackers have decided to break into Sony Pictures’ website.  The hackers, who call themselves LulzSec, have proven through their acts that they’re smarter than whoever designed Sony’s online security systems.

It looks like this latest breach into Sony has lead to over 1 million accounts beingpromised.  And, once again, this means consumers who use the Sony Pictures website have to be concerned about their data being used and abused by someone else.  In fact, the hacker group even announced their aplishments on Twitter; “We recently broke into SonyPictures andpromised over 1,000,000 users personal information, including passwords, email addresses, home addresses,dates of birth, and all Sony opt-in data associated with their accounts. Among other t

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Tags: Sony, Sony Hacked…again

If you’re brand new to credit, you may have already discovered that it’s not so wasy to get a credit card when you have no credit. It’s like a dog trying to catch its tail – you can’t get a credit card because you have no credit, but you can’t build credit because no one will give you a credit card.

Fortunately, there are a few places you can get a credit card, even when you don’t have credit. You just have to know exactly where to look. One place to start is with the bank that you currently have a checking or savings account in good standing.

Tags: Credit, Credit Card, No Credit

Frequent Costco shoppers might enjoy the the TrueEarnings Card from Costco and American Express, especially since Costco only accepts Amex. The card lets you earn 3% on your first $3,000 in gas purchases, 2% on restaurants and travel, and 1% on everything else. There’s no annual fee for the credit card, though Costco does have a $50 annual membership fee.

Tags: American Express, Express, Trueearnings Card

In a previous article, I discussed insurance credit scores used in auto and property insurance underwriting to predict risk and calculate your premium.  There are two primary types of insurance scores – generic and custom.

Generic scores are based on data from many insurancepanies and can be used by many insurancepanies.  These are sometimes referred to as “pooled data models.”  These are sold to any insurancepany to use.  Because they are not generic, they aren’t as effective as a custom score. Custom scores are developed by the insurancepany or for them by a third party using the insurancepany’s data and solely for their use.  These scores are more predictive for the individualpany, since it is tailored to them. Many of the large insurancepanies develop their own custom scores.

Who builds the generic insurance scores and which are available to consumers?  FICO and LexisNexis build the mostmonly used insurance scores.

Available to consumers

LexisNexis scores are built by LexisNexis and use the Equifax credit report.  These are sold to both consumers and insurancepanies for a fee. There are two sc

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Tags: Credit Scores, Insurance Credit, Insurance Credit Scores, Scores