The ULTIMATE Credit Card Hacking Guide To TRAVEL FOR FREE

Рет қаралды 26,404

Raymond La

Күн бұрын

Пікірлер: 118

@raymondla Жыл бұрын

How long have you guys been credit card hacking for now? 💳💸

@Joseph-fg2rd Жыл бұрын

Started this year and currently churning through HSBC Star Alliance Credit Card

@raymondla Жыл бұрын

@@Joseph-fg2rd nice mate, that fast tracked gold status is a unique deal

@bridgeman64 Жыл бұрын

Apple. Great video mate, never considered purchasing gift cards as a way to hit the spending limit.

@raymondla Жыл бұрын

Cheers mate, glad you found the video informative!

@aliu9115 11 ай бұрын

Great video. Carles Puyol was one of the greatest central defenders in world football in the 2010's. Captained the Spanish side to their maiden World Cup victory in 2010.

@M2the72 6 ай бұрын

Random but ok😂

@mikesalami7 3 ай бұрын

@@M2the72 its not random. It was a reference to a specific point in the video

@frank4pickerson Жыл бұрын

Lost baggage coverage is misleading. You must have a receipt for each item, and you must fill out a long-form

@nbn_zali2464 Жыл бұрын

Another banger Raymond! I always look forward to your weekly uploads because I always learn something new, keep it up 💪

@raymondla Жыл бұрын

I appreciate that feedback mate, more to come for sure!

@roamingalone5226 4 ай бұрын

Wow thank you for your channel. Love the content!!

@raymondla 4 ай бұрын

Thanks for watching!

@haydennehme2944 Жыл бұрын

Apples! Amazing video mate. Thankyou so much! Loved the insights such as purchasing gift cards

@raymondla Жыл бұрын

Glad you enjoyed it mate!

@zaratilak8027 6 күн бұрын

Apple 🍎 thanks for your patience in explaining all of the things related to credit card, I’m thinking of opening few accounts now

@raymondla 3 күн бұрын

Glad you found it informative!

@gowrisuresh9268 4 ай бұрын

Apples this way!😄 That was very informative, Thanks Raymond!

@eru6ite 7 ай бұрын

Apple. I'm only about to attempt this. I've traveled a lot for work so have lots of points and I want to maximise it further so thanks for the tips. 🍻

@raymondla 7 ай бұрын

Best of luck mate, it's not as hard as it sounds!

@cathrine6400 4 ай бұрын

Apple. Thank you for sharing your knowledge.

@mitchblake80 6 ай бұрын

Awesome Video!

@mannietravels Жыл бұрын

Apple - Great video. This has simplified which way for me to go in order to getting the right card for me. Thanks

@raymondla Жыл бұрын

Glad it was helpful!

@ceejae2349 Жыл бұрын

Apple apple apples! And thanks so much for all that very useful info! ❤

@raymondla Жыл бұрын

You are so welcome!

@CookingWithCreators Жыл бұрын

I looked up 3 of the credit accounts that the couple used and with all 3 of them the offers listed in the spreadsheet are already reduced or non-existent now 😄 i guess its a bit of a revolving door and you have to hunt around constantly. 🤷

@CookingWithCreators Жыл бұрын

HSBC is just 20k points now, after just 3 weeks since you posted this 😄

@raymondla Жыл бұрын

Hey mate, yes unfortuantely credit card offers don't always last and will change from time to time.

@MikeBeder 9 ай бұрын

Apple. Thanks. Very informative.

@raymondla 9 ай бұрын

Glad it was helpful!

@thiagofvm 10 ай бұрын

Awesome tips mate! Thanks! On the couples front: so you’re saying it’s better using two separate accounts under the same bank and credit card type rather than having a joint credit card?

@raymondla 10 ай бұрын

Absolutely! This way you get double the amount of bonus points! Obviously you'll need to factor in how you manage your finances as a couple as I know some people like to combine everything. But using this method will give you the most amount of points for travel.

@Flyingsquirrel69420 Жыл бұрын

Question (Australia): If I have successfully got my bonus points after the 3 month credit card spend, do I then need to keep the credit card open for the rest of the 12 months or can I cancel it and still keep my bonus points? Reason I ask is I just got my bonus points and would like to get another credit card for bonus points but I don't know how long I have to wait (I will go with a different bank).

@raymondla Жыл бұрын

This depends on the type of bonus points that you received. If you received Qantas/Virgin points that have been credited to your frequent flyer account then feel free to close the card. But if you received reward points specific to the credit provider e.g. AMEX then often times you'll need to use up the points first. As when you close the card down you'll lose those points. Let me know if that isn't clear!

@Flyingsquirrel69420 Жыл бұрын

You cleared up my question, thanks Ray. It was in regards to qantas points (I should've been more clear).@@raymondla

@Mr.PaulyP 3 ай бұрын

@@raymondla so for people who use AMEX credit cards is there no way to credit card churn and accumulate points from the sign up bonus? Do they just stick with the same credit card since if they close down their card they'll lose their points?

@hubertotle 3 ай бұрын

@@Mr.PaulyP not necessarily. From what I gather, if you have either a Velocity or a Qantas AMEX card then the sign up points you receive go to those respective rewards programs which you keep. It’s just when you want to churn Amex cards that give you Amex points (I forget what they’re called) where you’re in a bit of a pickle as discussed above! Hope this helps.

@vivinvijayan 4 ай бұрын

Apple. what an insightful video!

@lighthouse1136 6 ай бұрын

Apples. Excellent video 👌

@fillion01 Жыл бұрын

Apple - I'm quite new to the credit card game so gullible question though. 1. What will happen to your points if you are to close your credit card? 2. How long do you have to wait to be eligible for sign up bonuses again under the same provider? Eg. Amex only allows you to claim sign up bonus once for both business and personal credit cards, is this the same for other competitors?

@raymondla Жыл бұрын

Hey mate, all good no silly questions here, hope my response is helpful: 1. Qantas/Virgin points are linked to your frequent flyer account, so they won't expire immediately if you close your credit card but will expire if you don't earn any additional frequent flyer points in 24 months. If you've accumulated other reward points e.g. AMEX they will expire if you close down your credit card but there is usually a period of time where they allow you to redeem your points, best to check the T&C as it may differ from bank to bank. I know that AMEX gives you 30 days to redeem your reward points. 2. This depends on the provider itself and their T&C, there isn't a blanket time period for all companies. Best to read through the T&C once again on the card that you are wanting to apply for. I know that for AMEX you need to have closed down all your AMEX credit card and wait 18 months before you are eligible for another sign up bonus.

@michalsukovsky9670 4 ай бұрын

apples. Thank you! Finally, I understand the context of it. Quick question, what are the requirements to be eligible to get a credit card in Australia. Do I need to be PR or long-term visa with a PR pathway is fine as well?

@raymondla 4 ай бұрын

Each card has there own requirements, but if you’re on a long term visa you should be eligible for most cards and if you’re a PR then you should have no problem at all.

@youngsdripexperience5944 18 күн бұрын

Bro you need to turn this into a course 🙏

@youngsdripexperience5944 18 күн бұрын

🍎 👌

@kymquach 4 ай бұрын

Apple, great video.

@melvenratcliffe2625 7 ай бұрын

Apple. Thanks for the help.

@sleepymate Жыл бұрын

Apple. I applied a credit card for my wife in feb. Her credit rating decreased by 35 points. It's been 5 months but it hasn't come back yet. She still has an excellent but seems long that it's still not updated. Could this be because it's her first credit card?

@raymondla Жыл бұрын

It should have definitely increased by now, not sure where you are checking your scores from but perhaps go directly to Equifax/Experian.

@sleepymate Жыл бұрын

@@raymondla yeah bit confused. Got the cc in March. Rating went down by 36 points in April. This is July and it hasn't bounced back

@sleepymate Жыл бұрын

I double checked this and only got the card in 13 March. So it's been 4 months. Probably will get updated in august?

@nithinkoneri408 Жыл бұрын

Apple! Keep it going.

@raymondla Жыл бұрын

Appreciate the support mate!

@Robert-wm3jz 4 ай бұрын

Apple. The last last with the AMEX additional card holder still has me lost, can you explain it further?

@iL1keTurtlesPoker Жыл бұрын

The Virgin card offers 100k points now. I'm pretty upset though I rushed to sign up last month when 60k was ending just for them to increase it to 100k 😒

@caug7844 Жыл бұрын

thanks a lot

@anitakarki9911 Жыл бұрын

Hey Raymond can we buy Macquarie gift cards using Amex credit cards?

@mschnandelerbong7087 Жыл бұрын

Apple. Great video!

@raymondla Жыл бұрын

Cheers mate!

@user58291qifbtwlc 2 ай бұрын

Apples.! If I close my credit card do my reward points remain? Or do they disappear?

@roxanneglans7251 10 ай бұрын

Apple. Loved the gift card option. Had never considered it. Quick question... I've a basic ANZ credit card with QFF rewards I've had for years😂. I'm charged $240 annual fee and $55 rewards program fee. No other perks. How do i cancel it? What happens to points not yet transferred to my QFF account ? Also how do you check your credit rating? I'm trying to accumulate points for travel so need the bonuses. Thanks

@raymondla 10 ай бұрын

Glad you found the video useful! You can either call ANZ up or just cancel the card via the app/online. If it's a QFF earning card, the points should automatically transfer each month. But if it's ANZ rewards card, you'll typically have around 30 days to use them before they expire

@jayden6047 29 күн бұрын

How do u keep the reward points if you close the account?

@MaryTan73 6 ай бұрын

Thank you so much. Apple.

@pedroalmeida9569 9 ай бұрын

Apple. Thank you!

@tiffanyk2743 Жыл бұрын

apples - just wondering because it would very expensive opening/closing 3 or 4 credit cards per year (annual fees) what's an example of where you found benefit of this

@raymondla Жыл бұрын

Hey! There are plenty of $0 or reduced annual fee credit cards like the ones I mentioned in the video that give you up to $500 in gift cards each time as a welcome bonus, so there's your benefit right there. If you get a travel credit card and redeem them for flights the benefits are even greater, it also comes with travel insurance which would save you ¬$200 each time you travel.

@rockchef1 Жыл бұрын

Still trying to learn the ropes , have a citi premier card though

@raymondla Жыл бұрын

We all begin somewhere mate, hope you found this video useful. Premier card is a solid card to start with!

@fitnessfactory2423 Жыл бұрын

Great video, thanks for the info! Could you please explain how to exchange reward points for gift cards? Is it possible to simply "pay" with these points at checkout when buying the gift cards? Many thanks!

@raymondla Жыл бұрын

Hey mate, unfortunately you can't just pay with those points at checkout. Each credit card provider will typically have a 'Rewards Portal' where you can redeem your points for gift cards, you can typically find it somewhere when you log in to account.

@owenhines2736 Ай бұрын

Apples

@joeting1653 2 ай бұрын

Apple

@b4bmm Жыл бұрын

This was very helpful. Amex seems like a no brainer given the amount of partner airlines for people who do a bit of travelling internationally, would you agree? If I’m not mistaken though, not all places will accept Amex and many who do accept it have additional charges for that service?

@raymondla Жыл бұрын

I definitely am a big fan of AMEX. It is true that not all places accept AMEX but I've personally found that it is much less frequent these days. Some places will charge slightly higher fees for AMEX cards, whilst others will charge the same as Visa / Mastercard. That's why it's handy to have another Visa/Mastercard in your wallet in those scenarios 😉

@dahliasan Жыл бұрын

how can i use a credit card on services that send invoices?

@jazzygirl29 23 күн бұрын

Apple 👍🏼

@hazelmathu6890 Жыл бұрын

Apple ! Can you buy a flight ticket as a way to reach the spending limit. I have a $2000 spend limit to get 70 000 qantus points. However these points are not enough to get me to the destination I need to go to , so I was hoping to purchase flights using nab premium qantas card then save the points for later?

@raymondla Жыл бұрын

Hey there, you can most definitely buy a flight ticket to meet your spend criteria. Often times it is only government payments e.g. ATO payments that aren't counted towards the spend criteria.

@hazelmathu6890 Жыл бұрын

@@raymondla Ohh thank you. thank you for the content and advice you are giving on your channel, its soo good and I am learning a lot. Thanks for your reply

@caroljordan4316 9 ай бұрын

Apples thank you

@shane80002007 Жыл бұрын

Do you have a link to the HSBC 120,000 points offer I think it’s not on the website anymore?

@raymondla Жыл бұрын

Hey mate here you go, it is only available to existing HSBC customers only, but easy enough to sign up for an account with them - www.hsbc.com.au/credit-cards/offers/campaigns/platinum-points-bt/?eid=EML_AU_EN_DAACAUS-1069_1

@shane80002007 Жыл бұрын

@@raymondla thanks

@StevenSheeran 5 ай бұрын

Apple.

@sarahalwaili9567 6 ай бұрын

apples

@CamRonUn Жыл бұрын

i can tell a jake tran fan when i see one 😂

@alexde92 4 ай бұрын

apple

@attitudeswithandy 11 ай бұрын

Apples :)

@MrGazzaFreeman 5 күн бұрын

Apples. Raymond, I'm late to your channel so I've been doing a lot of catching up. In regards to hacking, after watching one of your other videos which gave the ANZ Black FF card a high rating, I looked at this card. Unfortunately to apply you cant of had any other ANZ FF card which I have had for years. So how do you handle this with regards to your hacking/churning?

@raymondla 3 күн бұрын

Hey there! Hope you're finding the content informative, in response to your question I would simply open another card from another provider