Credit Liftoff

Top Credit Card and Personal Finance News and Reviews

Shell Fleet Card Account Review (A Must For Your Small Business?)

by Leave a Comment

Shell Fleet Card Account Online

The Shell Fleet credit card allows your business to control expenses, save money, and manage your fuel program more efficiently.

Shell Fleet Card login

You can call 1-888-260-0886 or visit Shell Fleet Card Application to apply.

You must be 18 years of age or older and a legal resident of the United States to apply… BUT should you?

Let check out some reviews in regards to the Shell Fleet Card online.

Shell Fleet Card Reviews

  • ExpertMarket: These guys like the card as they state “Shell’s store cards pay for themselves at the pump”
  • CreditCardInsider: 3 out of 5 stars
  • Finder.com: Calls the Shell Fleet cards a solid choice for those seeking robust spending controls and detailed expense reporting

Shell Fleet Plus Card Highlights

  • No annual fee
  • 15% Jiffy Lube discount on the posted retail price of oil changes and preventative services
  • Generally speaking, you will need a credit score ranging between 580 to 739 in order to be approved
  • Accepted at 14,000 Shell stations
  • Late payment fee: greater of $20.00 or 2.50% of the account balance as of the payment due date

The Sheel Fleet Plus Card provides comprehensive reports detailing all aspects of your companies fueling activity.

Not a small business owner? In the market for a cashback credit card? Check out our top cashback credit card guide to determine which card is best for your spending habits.

Shell Fuel Station Locations

Find a Shell Fuel gas station near you.

You can search via city, zip code, or state.

Before applying for the Shell Fleet Card check out the ExxonMobilRewardsPlus rewards program to ensure you are making the right choice.

Bottom Line

The Shell Fleet Card is not a bad option for businesses that spend a fair amount of money on gasoline and has employees who are responsible for purchasing gas on their own.

The Shell Fleet Card online account allows the owner to better control costs associated with their employees gas spending via detailed reports.

Shell Credit Card(s)

 

RiseCredit Loan Reviews (RISE Loans Good or Bad)

by Leave a Comment

www.risecredit.com

RISE Credit Loan

RISE offers quick, online cash options for financial emergencies and a fast online approval process (with great rates?).

You can borrow anywhere between $500 to $5000 and have the money in your bank account as soon as tomorrow.

You can learn more or apply at RISECredit.com.

You must be 18 years of age or older and a legal resident of the United States in order to apply… but should you?

Let’s check out some online reviews in regards to a loan from RISE.

RISECredit.com Review

Here are what some of the big boys are saying about RISECredit Loans…

  • CreditKarma: 3.9 out of 5 stars based on 48 customer reviews
  • HighYa.com: 3.5 stars out of 5 based on 11 consumers reviews
  • BBB Rise Credit: Another 3.5 out of 5-star rating based on 151 customer reviews (166 complaints closed in last 3 years 48 complaints closed in the last 12 months)
  • NerdWallet.com: Rise Personal Loans 2019 Review (they recommend RISE as a last-ditch effort)

Overall the reviews are FAIR in regards to a personal loan with RISE.

RISE Credit Loan Need to Know

  • You can expect an APR range of 36% to 299%
  • Amounts are available from $500 to $5000
  • Repayment schedule 4 to 26 months
  • Typically takes one day to receive the funds
  • Payments will be reported to Experian and TransUnion

In order to get approved for a RISE loan, you must have a job, have a checking account, and live in a state in which RISE loans are available.

Please note due to the changes in the Military Lending Act effective October 3, 2016, RISE is not available to applicants listed as Covered Borrowers in the Military Lending Act database.

RISECredit.com Customer Service

  • Fax: 1-866-580-1228
  • RISE Credit Phone Number: 1-866-580-1226 Monday to Friday 8 am to 11 pm ET or on the weekend Saturday to Sunday 9 am to 6 pm ET

RISE Credit Mailing Address

  • Payments: RISE Credit P.O. Box 679900 Dallas, TX 75267-9900
  • Overnight Payments: RISE Credit Lockbox Number 679900 1200 E. Campbell Rd., Suite 108 Richardson, TX 75081
  • General Correspondence: RISE Attn: Customer Support PO Box 101808 Fort Worth, TX 76185

The RISE Credit corporate office can be reached at 4150 International Plz Ste 300 Fort Worth, TX 76109-4819.

RISE Personal Loan Bottom Line

CreditLiftoff.com only recommends a RISE personal loan if all other options are exhausted and the cost of taking the loan is less than the cost of not taking it.

Generally speaking, a personal loan is never a good idea due to high-interest rates.

Before taking a loan out from RISE please check your rate at these companies as well…

RISE Credit Reference(s)

Chong Settlement Info Class Action Lawsuit – Claim 8.875% Refund

by Leave a Comment

www.ChongSettlementInfo.com

Shellpoint Mortgage Lender Placed Insurance Lawsuit

A settlement has been proposed in the class action lawsuit against Shellpoint claiming they accepted illegal kickbacks for lender-placed insurance policies.

Shellpoint denies all actions of wrongdoing but has agreed to settle in order to avoid further court cost.

Please visit www.chongsettlementinfo.com to obtain more information or file a claim.

Claim forms must be filed by 11/12/2019.

Ms. Dorothy Kerr Checa Chong filed this lawsuit back in July of 2018 against Shellpoint Mortgage Servicing.

Who should file a claim?

If you are a legal resident of the United States and were charged for a lender-placed insurance policy by Shellpoint on or after 3/1/2014 and who paid all or a portion of the premium for that policy between 3/1/2014 and 4/4/2019.

Class members settlement award?

According to the terms of the settlement class members may receive up to 8.875 percent refund of premiums charged by Shellpoint under a lender-placed insurance policy.

Related Content: JPMSVFClassAction Settlement or the Experian Data Breach Settlement.

Shellpoint Mortgage Lender Placed Insurance Settlement Contact Points

  • Mail: Chong v. Shellpoint Settlement Administrator c/o KCC Class Action Services LLC P.O. Box 404041 Louisville, KY 40233-4041
  • Phone 866-579-5212
  • Fax: Not found
  • Adam M. Moskowitz The Moskowitz Law Firm, PLLC 2 Alhambra Plaza Suite 601 Coral Gables, FL 33134

ChongSettlementInfo.com Case Information

The lawsuit is entitled Chong v. New Penn Financial LLC d/b/a Shellpoint Mortgage Servicing and is listed as case number 9:18-cv-80948-RLR.

The case is under review in the U.S. District Court for the Southern District of Florida.

Class Counsel

Class members who file valid claims will be represented by Adam Moskowitz from the law firm of THE MOSKOWITZ LAW FIRM PLLC.

Adam Moskowitz will collect $200,663.00 for his efforts.

Shellpoint Counsel

Shellpoint has hired Marc J. Gottlieb from the law firm of AKERMAN LLP.

Shellpoint has not admitted any wrongdoing by settling the insurance kickback class-action lawsuit against them.

Chong Settlement Information

Get Chase Slate Invitation Number 0% intro APR Promotional Review

by 12 Comments

www.getchaseslate.com

Chase Slate Card

One of the better credit cards on the market for consumers who are looking to transfer high-interest credit card debt.

Has been named to “Best Balance Transfer Credit Card” by WalletHub since 2013.

To apply simply visit www.getchaseslate.com and follow the on-screen instructions.

You must be 18 years of age or older and a legal resident of the United States in order to secure the Chase Slate card.

Get Chase Slate 0% intro APR Review

  • A great card for consumers looking to transfer high-interest credit card debt
  • Must be 18 years of age or older and a legal resident of the United States
  • Visit GetChaseSlate.com to apply
  • Issued by JPMorgan Chase & Co.

chase slate

 

Chase Slate Card Offer Highlights

  • New applicants will receive 0% intro APR for 15 months on purchases and balance transfers
  • No annual fee
  • Chase Slate applicants who have a FICO score of 700 or greater should have no problem with approval

Get Chase Slate Offer Reviews

Generally speaking, the Chase Slate card received favorable reviews from around the web… let’s check them out!

All of the above credit card blogs rave about how the Chase Slate credit card is a great addition to consumers wallets.

Chase Slate Card

Chase Slate Credit Card Customer Service

  • Phone: 1-800-935-9935
  • Outside the U.S.: 1-713-262-3300
  • Domestic Chase Military Services: 1-877-469-0110

What is the Chase Slate Credit Limit?

After calling the Chase customer service hotline it appears that the minimum credit limit you can receive via the Slate card is $5,000.

The average credit limit on this Chase Slate credit card is $10,000.

chase slate login

Chase Slate Rewards?

This card has no reward program at this time as the main card benefit is the ability to transfer balances with an introductory fee of $0.

The balance transfer must be made during the first 60 days of opening a Chase Slate card account.

It should also be noted that paying late won’t raise your interest rate (APR).

In the market for a cash back credit card? Please check out “Best Cash Back Credit Cards of 2019: The Ultimate Guide”

Or if your credit score is not up to par and you are looking to rebuild please check out “Best Credit Cards for Bad Credit”

Other cards to consider?

The Citi Simplicity credit card offers 0% for 21 months on balance transfers.

The DiscoverIT cash back credit card offers 0% introductory APR for 14 months but comes with a reward program.

chase slate balance transfer

Chase Slate Balance Transfer?

Chase Slate offers a mind-blowing introductory fee of $0 when transferring a balance during the first 60 days your card account is open.

This is one heck of a deal and one of the top balance transfer promotions in the credit card arena.

After 60 days the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5.

The Chase Slate credit card is considered one of the best balance transfer cards on the market.

 

Chase Slate Credit Limit?

If your lucky enough to be approved for this popular credit card you should start out with a minimum credit limit of $500.

Some applicants may receive a higher limit depending on their credit rating and history.

Those who would like to apply for a credit limit increase can visit www.chase.com/increasemyline.

Chase Slate Credit Score?

If you have a credit score of 650 or better you should have no problem getting approved for this card.

Some Chase Slate applicants have even gotten approved with a credit score as low as 600 according to reports. But the lower your score is, most likely the lower your credit limit will be.

chase slate review

Why would you get the Chase Slate Card?

The main reason a consumer would want to apply for the Slate credit card from Chase is to get out of high-interest debt.

Get Chase Slate Invitation Website

ExxonMobilRewardsPlus Activation or Register a Card

by

The ExxonMobileRewardsPlus program is a BIG must for gas-guzzling consumers in the United States who spend a good chunk of change on pricey gasoline.

ExxonMobileRewardsPlus

ExxonMobileRewardsPlus Activation Instructions

  1. Visit exxonandmobilrewardsplus.com/welcome/home
  2. Click on the red in color “join now” tab
  3. Click on “I have an Exxon Mobil Rewards+ Card”
  4. Input the ExxonMobilRewardsPlus card number and activation code
  5. Create a PIN
  6. Confirm activation

Please note the ExxonMobileRewards+ 3 digit pin code can be found on the back of the card.

Also, create a memorable 4 digit PIN as it will be needed at the pump when using your phone number to redeem points.

ExxonMobileRewardsPlus

 

CreditLiftoff.com Recommends

ExxonMobileRewardsPlus Review

  • New members will receive 100 bonus points instantly and 15 points per gallon for the next 30 days
  • After the bonus promotion for every gallon of gas, the member will earn 3 points
  • For every 100 points earned the member will receive a $1 gas credit

This is a great card for Exxon Mobil customers.

exxonmobil rewards plus login
The ExxonMobileRewardsPlus program has partnered with Fandango

ExxonMobileRewardsPlus Customer Service

ExxonMobileReward+ Points can only be redeemed at Exxon or Mobile branded gas stations.

If you don’t have an ExxonMobileRewardsPlus please sign up at exxonandmobilrewardsplus.com/welcome/enrollment.

ExxonMobileRewardsPlus Program Notes

  • Must be 13 years of age or older and a legal resident of the United States
  • Consumers who are between 13 and 18 years old, may only use Exxon Mobil Rewards+ under the supervision of a parent or legal guardian
  • Upon sign up please allow 10 business days for the card to arrive via US Mail
  • Members will also earn 2 points for every dollar spent on food or drink items
  • Exxon Mobil Rewards+ is a rewards program operated by ExxonMobil Oil Corporation

Exxon Mobil reserves the right to modify or terminate the Exxon Mobil Rewards+ program at any time for any reason.

Exxon Mobil Rewards Plus Card Registration?

If you are lucky enough to have the card already please visit www.exxon.com/en/rewards-program to register online.

Please note if you fill up on Synergy Supreme+ premium gas, you will access the lucrative Exxon Mobil Rewards+ Premium status.

The Premium Status allows the member to earn 2X the points – equal to 6¢ per gallon – plus exclusive offers.

Helpful Links

Airline Settlement – Claim up to $5 per ticket (Artificially Increased Ticket Prices?)

by Leave a Comment

www.AirlineSettlement.com

Airline Class Action Settlement

A mind-blowing 58 million dollar settlement has been proposed in the class action lawsuit entitled In re: Transpacific Passenger Air Transportation Antitrust Litigation.

The case is under review in the U.S. District Court for the Northern District of California.

Class members can file a claim online at www.airlinesettlement.com.

Claim forms are due no later than 2/15/2020.

Who should file a claim?

There is three separate class associated with the Transpacific Passenger Air Transportation Antitrust Litigation.

  1. Japan Settlement Class: Individuals who purchased airplane tickets from JAL or ANA for a flight that included travel from the U.S. to Japan between Feb. 1, 2005, and Dec. 31, 2007
  2. Satogaeri Settlement Class: Individuals who purchased “satogaeri” or “homecoming” fares from JAL or ANA that included travel from the U.S. to Japan between Jan. 1, 2000 and April 1, 2006
  3. Settlement Class III: Individuals who took an All Nippon Airways or Japan Airlines flight from the U.S. to Asia or Oceania between Jan. 1, 2000 and Dec. 1, 2016. Includes Class Members of the Japan Settlement Class and the Satogaeri Settlement Class

Bad credit got you down? Check out our list of best credit cards for consumers with bad credit.

Apply and get approved.  Then start making full, on-time payments each month and watch your credit score improve.

Also, visit Experian.com/Boost for a new secret tip to improve your credit score in just a few minutes!

AirlineSettlement.com Contact Information

  • Mail: Transpacific Air Settlement c/o Rust Consulting PO Box 2209 Faribault, MN 55021-1609
  • Email: info@AirlineSettlement.com
  • Phone: 1-800-439-1781

How much money will the settlement provide?

$5 per eligible ticket is the max settlement according to reporters close to the case.

If you are not pleased with the terms of the settlement you can attend the settlement hearing on 10/18/2019.

The Court will hold a Fairness Hearing on October 18, 2019, at 10:00 a.m.

Please show up at the United States District Court for the Northern District of California, 450 Golden Gate Avenue, San Francisco, CA 94102, Courtroom 6, 17th Floor.

Airline Settlement Class Counsel

COTCHETT PITRE & MCCARTHY LLP: Adam J. Zapala, Elizabeth T. Castillo, and Adam J. Trott.

HAUSFELD LLP: Michael D. Hausfeld, Swathi Bojedla, Michael P. Lehmann, Christopher L. Lebsock, and Seth R. Gassman.

Airline Settlement

Credit Limit Increase Citi – How to Apply and Get Approved (No Joke)

by Leave a Comment

www.creditlimitincrease.citi.com

Citi Credit Limit Increase

Who wouldn’t like a credit limit increase?

Not only does it allow you to buy more STUFF but it will also help your credit rating.

Simply visit www.creditlimitincrease.citi.com to apply for your increase.

You will have to login to your Citi account with your username and password in order to apply for the increased line of credit.

Credit Limit Increase Citi Secret Tips & Hints

  1. Call Citi in person
  2. Once you have them on the phone don’t tell them why you need it, tell them why you deserve it (bring up customer loyalty, how much you spend annually, and how your payments are always on time, etc)
  3. Discuss the fact that you pay your entire balance off in full each month and have never missed a payment
  4. DO NOT BE RUDE (aka don’t trigger the customer support team as they have total control)
  5. Use the card frequently (up to 10 times per day) right before you apply

If you follow the above tips and are still denied a Citi credit line increase please dial 1-800-374-9700 and ask to speak with a manager.

If you’re a responsible cardholder, a higher limit can boost your credit by helping keep your credit utilization low.

Top Rated Credit Card Right Now

CreditLimitIncrease.Citi.com Customer Service

Best Citi Credit Cards?

Before you can request a credit increaser you must have a credit card in the first place!

Here are some of the better cards Citi has to offer…

  • Citi Double Cash Card: Best for consumers who like straight cash back as a reward
  • Citi / AAdvantage Platinum Select World Elite Mastercard: If you’re in the clouds often this is your card!
  • Costco Anywhere Visa Card: A BIG YES for Costco FANBOYS

In the market for a personal loan? Check out DiscoverPersonalLoans.com and apply up to $35,000.

Request Citi Increase

DiscoverPersonalLoans Apply and Reviews (Should You Discover This Loan?)

by Leave a Comment

www.discoverpersonalloans.com/apply reviews

Discover Personal Loan

Discover Bank is now in the personal loan business.

After years of offering high-end credit cards, Discover Bank has made the easy transition to the personal loan game.

To apply simply visit www.discoverpersonalloans.com.

BUT how does Discover Personal Loans rank with other personal loan companies (i.e. SoFi, Lending Club)?

Let’s take a look!

DiscoverPersonalLoans Reviews

Here are what some of the bigger financial blogs are saying about a personal loan from Discover.

  • NerdWallet: 4.5 out of 5 stars “While Discover loans can be used for other purposes, they work particularly well for debt consolidation because of low rates, direct payment of creditors and flexible repayment terms“
  • BankRate: Rating 4 out of 5 – ‎Review by Robin Saks Frankel

Related Content: Looking for a credit card? Check out the Discover IT card or the line of cards from Capital One at GetMyOffer.CapitalOne.com.

Discover Personal Loan Highlights and Lowlights

  • No loan origination fees
  • No fees as long as you pay on time
  • Borrow between $2,500 to $35,000
  • Fixed rates with APRs ranging from 6.99% to 24.99%
  • Flexible payment plans up to 84 months
  • Design loan terms around you
  • If you pay the loan of early you will not be charged a fee
  • If you have less-than-stellar credit, Discover will most likely deny your application
  • The max amount one can borrow is $35,000

If you are looking to borrow more than $35,000 consider a personal loan from SoFi.

SoFi allows loans up to $100,000 and an APR range of 5.99% to 16.24%.

wwwdiscoverpersonalloanscom-apply-reviews

Check out our SoFi Personal Loan review for more information.

Lowest credit score personal loans?

The companies with the lowest required credit score appear to be BestEgg and Prosper.

Bother BestEgg and Prosper require a minimum credit score of 640.

Related Content: Looking to Boost your credit rating? Check out Experian.com/Boost today.

DiscoverPersonalLoan.com Customer Service

  • Phone: 1-866-248-1255 Monday to Friday, 8 am -11 pm
  • Discover Personal Loans P.O Box 5192 Southfield, MI 48086-9907 (forms)
  • Discover Personal Loans P.O Box 30954 Salt Lake City, UT 84130-0954 (documents)

Discover Personal Loan Application

  1. www.discoverpersonalloans.com/apply
  2. www.discover.com/personal-loans

American Express Four Seasons Promotion (Get 15,000 Reward Points)

by Leave a Comment

americanexpress.com/fourseasons2019

American Express Four Seasons 15,000 Membership Points

To get a mind-blowing 15,000 AMEX membership reward points please visit www.americanexpress.com/fourseasons2019 and login to your account.

Add the “Four Seasons Hotel and Resorts” to your eligible American Express credit card.

Please note the name on the offer and the name on the American Express card must match.

Then book directly with Four Seasons at their website by the offer expiration date (you can also book in person).

American Express Four Seasons Promotional Notes

  • You must spend at least $750 on room rate and charges at a participating Four Seasons Private Retreat Collection
  • The Four Seasons Private Retreat Collection properties are located in the United States, Mexico, Nevis, Bahamas, Anguilla, Saint Kitts, Canada, or Costa Rica
  • Once you have completed your stay you will receive 15,000 AMEX reward points

wwwamericanexpress-fourseasons2019

Four Seasons Private Retreat Collection

Some of the better properties associated with this offer include…

Related Content

Looking for a travel credit card? Check out the CreditLiftoff Top 10 Travel Credit Cards for people who have the travel bug!

Bad credit? Don’t bother with this offer… check out the best credit card for bad credit.

AmericanExpress.com Four Seasons 2019 Customer Service

Best American Express Credit Cards

Some of the better AMEX cards include the Gold Reward Card, AMEX Magnet Card, Blue Cash Everyday, Blue Cash Preferred, and the Blue Delta Sky Miles.

Please note you must be 18 years of age or older and a legal resident of the United States to obtain an American Express credit card.

A good to great credit score is usually required.

AMEX References

The Build Card Reviews & How To Get the Build Card

by Leave a Comment

BuildCard

TheBuildCard

This card is issued by Mastercard and is designed for consumers with less than ideal credit (i.e. bad credit).

You must be 18 years of age or older and a legal resident to apply.

If you have a good credit score please move on to the next article (or check out our best Travel Credit Cards).

To apply for TheBuildCard please visit www.thebuildcard.com.

Credit Card Highlights and Lowlights

  • No foreign transaction fee 🙂
  • No over limit fees
  • No security deposit required
  • Account set up one-time fee of $53 🙁
  • The Build Card charges a $72 membership fee for the first year (then $6 a month starting on the 2nd year)
  • No grace period on interest
  • No balance transfers

thebuildcard.com

TheBuildCard Reviews

  • HighYa: 1 out of 5 stars based on 8 customer reviews
  • BBB Rating: F (ouch!)
  • Finder.com/review-the-build-card: “The Build Card is a rare unsecured card that targets people with poor credit. However, it’s expensive and significantly hampered by its lack of a grace period on interest”
  • Here is a forum post over at MyFico.com discussing how annoyed one customer was with the card

“I called to see if they would waive my late fee, seeing as I had not owed them anything for 9 months. The lady said no. I said go ahead a cancel card because it is a $72 yearly fee ($6.00 a month). They had already charged me $6 for November even though I was canceling it on 10/31. The lady argued about the fee and the billing dates and would not remove it. I would not recommend the card with customer service like that. She did not even attempt to satisfy me as a customer.” – By Annissa C., Rockdale, TX, 11/2/2018

The Build Card received poor reviews from online users and financial blogs.

If you are still determined to apply here is how you get The Build Card:

  • Have a credit score between 300 to 600
  • Be 18 years of age or older and a legal resident of the United States
  • Provide the offer code (if available), application ID, ZIP code and Social Security number, and proceed to the application
  • Visit www.thebuildcard.com to begin

*If you have a Build card and are looking for a credit line increase please visit the Build Card contact page www.thebuildcard.com/contact-us.

how to get an offer for the build card

Bottom Line

We cannot recommend this credit card mostly due to the fact that there are many other options card options for consumers with bad credit (see below).

Consider Other Options

Better options for consumers with bad credit include the Capital One Secured MasterCard, Total Visa Unsecured Credit Card, Discover it Secured, and the Indigo Platinum Mastercard.

Or check out our Best Credit Cards for Bad Credit write up for a more in-depth review.

If your an Apple FanBoy you will want to consider the Apple Credit Card.

The Apple card features a unique Daily Cash rewards program, a suite of impressive security & privacy features, and a slick titanium design.

build card login

BuildCard Customer Service?

  • Phone:1-800-634-9558
  • Text the word “HELP” to 88100 anytime

BuildCard Payment Address

  • Billing Disputes: Build Card P.O. Box 3220 Buffalo, NY 14240-3220
  • Regular Payments: Build Card P.O. Box 660269 Dallas, TX 75266-0269
  • Overnight Payments: Build Card Box # 660269 Attn: Lockbox Operations 2701 East Grauwyler Rd., BLDG 1 Irving TX 75061

TheBuildCard com Apply & BuildCard Login Page