myFICO is offering 25% off all credit score products to celebrate their 7 year anniversary, valid April 1st through April 30, 2008.

Get 25% off any myFICO credit score product including credit reports, credit scores, and credit monitoring services.

myFICO products, such as FICO® Credit Complete, offer credit report and credit score monitoring as well as access to your credit reports and credit scores from Experian, TransUnion, and Equifax, the three major credit bureaus.

To receive the myFICO 25% discount, enter the promotional code 7yrsale when you sign up for your service or product.

Read our myFICO Services Review for more information on myFICO credit monitoring services and products, and be sure to enter the discount code 7yrsale to receive your 25% discount.

Credit Monitoring Services are an excellent way to protect yourself against identity theft and credit fraud for a small monthly fee.

You can also Monitor Your Credit Reports for Free to prevent identity theft and ensure your credit reports are accurate.

Take advantage of this 25% myFICO discount on all credit score products while it lasts.

Thanks and enjoy maximizing your money.

Revolution MoneyExchange has extended their $25 sign-up bonus offer until April 15, 2008.

Revolution MoneyExchange is a service similar to PayPal, which basically allows you to make online payments without using a credit card.

It’s not as extensive as PayPal, so you probably won’t find too many places that accept MoneyExchange payments, but it’s absolutely free to sign up and get the instant $25 bonus.

Check out our MoneyExchange $25 Bonus Offer Review for the full details on this offer.

When you sign up for your MoneyExchange account, you’ll get the $25 bonus, which can then be transferred to your bank account, or you can choose to have them issue you a check by mail if you don’t want to go through the process of verifying your bank account, but there is a small fee to issue the check, so you won’t get the entire $25.

Signing up is quick and easy, so take advantage of this Revolution MoneyExchange $25 bonus offer while it lasts.

Thanks and enjoy maximizing money.

American Express credit cards offer special discounts and promotional savings for brand name stores and popular services.

American Express Credit Card Discounts are a great way to save money on your everyday purchases when shopping online or at brand name stores.

American Express also offers travel savings, dining discounts, and more opportunities to save money when you pay with your American Express credit card.

Check out the Best American Express Credit Cards if you don’t have an AMEX credit card, as American Express offers many savings opportunities as well as Cash Bonus Credit Cards to help earn you even more cash rewards.

Check out these current brand name discounts from American Express.

Visa and MasterCard credit card members may also be interested in these Credit Card Savings for all different types of credit cards.

American Express Brand Name Discounts and Savings

Take advantage of these American Express promotions in various categories.

Airlines Promotions

Earn up to 5,000 Delta SkyMiles or receive $15 off your round-trip flight on JetBlue Airways with these AMEX Airline Promotions, plus get $3 off your SuperShuttle fares.

Review these Airline Rewards Credit Cards for free bonus flights and more airline discounts.

Auto Service Promotions

Save $10 off a full-service oil change at EZ Lube with these AMEX Auto Service Promotions.

Entertainment Media Promotions

Save 15% off your purchase of $75 or more at Virgin Megastore with these AMEX Entertainment Media Promotions.

Car Rental Promotions

Save money on car rentals at various car rental companies with these AMEX Car Rental Promotions.

Check out these additional Car Rental Discounts that are available to anyone regardless of which credit card you use.

Department Store Promotions

Get free shipping on your online orders at JCP.com or $25 off any Lord & Taylor purchase of $100 or more with these AMEX Department Store Promotions.

Gift Promotions

Receive various savings on flower deliveries and gifts with these AMEX Gift Promotions.

Furniture Promotions

Receive $100 off a purchase of $999 or more at El Dorado Furniture or save $50 off your purchase of $250 or more at LAMPS PLUS with these AMEX Furniture Promotions.

Hotel Promotions

Save on your stays at various hotels with these AMEX Hotel Promotions.

Check out these Hotel Rewards Credit Cards for free bonus nights and more hotel discounts.

Jewelry Promotions

Receive 20% off your jewelry purchases at Diamonds International or Ross-Simons with these AMEX Jewelry Promotions.

Ski Lift Ticket Promotions

Save money on your ski lift tickets at various mountains with these AMEX Ski Lift Ticket Promotions.

Tax Promotions

Save on TurboTax for the Web and H&R Block TaxCut Online with these AMEX Tax Promotions.

American Express discounts and savings promotions are a great way to save money when you make your purchases with your American Express card.

These Cash Rebate Credit Cards can also help save you money on your everyday purchases anywhere you use your card.

Take advantage of these American Express credit card discounts at brand name merchants and service providers.

Thanks and enjoy maximizing money.

RediCard is the Red Roof Inn hotel rewards program, which offers free hotel nights and hotel perks for guests who frequently stay at Red Roof Inn hotels.

When you Join RediCard for Free, you can earn free hotel stays, Delta SkyMiles, or T-Mobile prepaid cards.

RediCard members earn 10 points per $1 spent on hotel rooms at Red Roof Inn.

Each time you earn 5,000 RediCard points, you’ll automatically receive the preferred reward option of your choice.

Reward options include a free hotel night certificate good at any Red Roof Inn nationwide, 1,000 Delta SkyMiles, or 5 T-Mobile HotSpot 1-day prepaid cards.

You select your preferred rewards option when signing up for the RediCard program, and you can change your preferred rewards option at any time during your RediCard membership.

A very small handful of Red Roof Inn locations require two free hotel night certificates to receive a free hotel stay, which would require 10,000 points in total, but most Red Roof Inn locations only require one 5,000-point certificate for a free stay, so you’ll earn 1 free hotel night for every 10 paid stays, at an average rate of $50 per night.

The option to receive 1,000 Delta SkyMiles will benefit frequent flyers, who may also be interested in Airline Rewards Credit Cards, which offer free bonus flights and travel discounts.

RediCard hotel rewards members will receive exclusive hotel perks such as a members-only toll-free reservation line, express check-in, a free USA Today newspaper delivered to your door, 5 free outbound fax pages per stay, access to special offers, and online access to your RediCard account.

In addition, Red Roof Inn offers Red Hot Deals, which provide exclusive savings and discounts on hotel stays for anyone staying at Red Roof Inn hotels, whether you sign up for the RediCard rewards program or not.

Join RediCard before booking your Red Hot Deal to take advantage of these exclusive discounts while earning free hotel nights at Red Roof Inn.

The RediCard program does have certain restrictions.

RediCard rewards points can not be earned through third-party websites like Hotels.com or Expedia, and members may earn points for only one hotel room per night, which is disappointing if you’re reserving multiple rooms for your family or friends.

Free night certificates are valid for 12 months after they are issued, and RediCard points may expire if there is no member stay activity within a 14-month period.

Despite these restrictions, the free Red Roof Inn hotel rewards program is an excellent way to earn free hotel nights and exclusive travel benefits if you stay at Red Roof Inn hotels frequently.

Check out these Hotel Rewards Credit Cards for more opportunities to earn free hotel nights and hotel discounts.

Take advantage of the RediCard hotel rewards program to earn free nights at Red Roof Inn.

Thanks and enjoy maximizing your money.

AmericInn offers cash bonus rewards through their free hotel rewards program.

Join the free AmericInn hotel rewards program, the INN-Pressive Club, and you’ll receive a $40 cash back bonus for every 10 stays at AmericInn hotels.

INN-Pressive Club members receive stamps each time they stay at AmericInn hotels, and when you receive 10 stamps, you’ll earn $40 towards another AmericInn hotel stay or a $40 check.

AmericInn hotel rewards program members also receive free room upgrades, free check cashing, access to promotional offers, and Avis and National Car Rental Discounts.

Join the AmericInn Rewards Program for free today to start earning cash rewards for staying at AmericInn hotels.

These Hotel Rewards Credit Cards also offer many opportunities to get free hotel rooms and discounts on hotels.

Take advantage of the AmericInn hotel rewards program to get cash back bonuses for your AmericInn hotel stays.

Thanks and enjoy maximizing your money.

Marriage credit cards offer couples the opportunity to combine their finances and earn rewards in alignment with their love.

These credit cards for married couples, or those who are engaged to be wed, provide access to wedding planning tools and financial management services.

In addition, these 2 couple credit cards from American Express offer free $50 Gift Cards just for becoming a member.

Just apply for one of these American Express credit cards, and you’ll get 5,000 bonus points after your first purchase, which is enough for a $50 gift card.

You can also earn an additional 10,000 bonus points when you spend over $15,000 on the card annually for another $100 gift card each year.

In addition, you’ll receive access to discounts and services during your wedding and help planning for your future.

Marriage Credit Cards from American Express

Check out these free credit cards for married or engaged couples from American Express that offer $50 gift cards after your first purchase.

The Knot Credit Card from American Express

The Knot Credit Card from American Express

• Start out with a great wedding gift - 5,000 Membership Rewards® points the first time you use the Card, which can be redeemed for a $50 gift card.
• Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.
• Track all of your wedding - related expenses with the Card on one monthly statement.
• No annual fee. Pay over time or in full.
• Exclusive Welcome Gift: Plan every detail of your wedding with The Knot Wedding Planning Kit, including The Knot wedding binder, where you can manage wedding ideas, budgets, guest lists, to-do’s and more.

Apply Now!

The Next Credit Card from American Express

The Nest Credit Card from American Express

• Start out with a great nest-warming gift - 5,000 Membership Rewards® points the first time you use the Card, which can be redeemed for a $50 gift card.
• Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.
• No annual fee. Pay over time or in full.
• Exclusive Welcome Gift: The Nest Planning Kit, filled with many helpful items to get the two of you started including The Nest planning binder, designed to help you organize and manage home expenses and joint finances.

Apply Now!

These credit cards for couples are an excellent way to coordinate your wedding and get your life together started.

Couples can also benefit from Cash Rebate Credit Cards, which will save you money on all of your purchases during your wedding and everywhere else.

In addition, couples that need help financing their wedding may consider these 0% APR Credit Cards, which offer 0% interest on your purchases for up to 12 months or more.

You may also be interested in these Balance Transfer Credit Cards if you want to consolidate your credit cards to start a debt-free life together.

It may not be the most romantic aspect of your relationship, but credit cards can help you manage your finances and save you money during your wedding.

Thanks and enjoy maximizing money.

Universal default is the term used to describe policies that allow credit card issuers to increase your interest rates based on changes in your consumer credit reports.

Universal default permits a credit card company to increase your APRs solely because you fail to make a payment on a loan with another lender or your credit history contains other negative information.

Universal default policies allow a credit card issuer to increase your APRs, even if you never make a late payment or default on your credit card with that particular company.

Credit card companies justify this practice by following the logic that they are lending consumers money at interest rates which are based on certain risk factors, and if the risk factors increase, then so should the interest rates they charge to compensate for taking the risk that the consumer will default on their loan.

Consumer activists, on the other hand, contend that universal default policies are unfair, because they increase interest rates on money that has already been borrowed, plus they victimize consumers and spiral them into debt for infractions as minor as being just one day late on any payment.

In addition, it seems to go against the basic principle of good customer service, which is to treat your customers with respect, not to mention one of the basic human testaments, which is to treat others as they treat you, meaning don’t raise rates on your customers if they have followed their end of the bargain.

Many credit card issuers have done away with universal default policies, including Capital One and Citibank; however, it is still widely practiced and often hidden in the legal language of the credit card agreement booklets you receive with your new credit card.

It is important to read these terms and conditions closely, because even though issuers may not directly indicate universal default policies within their agreements, they often mask these policies through legal language that gives them the power to change your rates at any time for any reason, effectively allowing them to universally default your loan at will.

However, these credit card agreements are confusing by design, and according to their own policies, credit card issuers can change their policies at any time, so you’re really at the mercy of the credit card companies.

We ask that any readers who have experienced the effects of universal default policies share their experiences in the comments section of this article.

If we complain enough about universal default policies and the credit card companies that practice universal default or similar policies, these policies and the policy-makers will continue to change.

For more information on universal default policies and other credit card consumer issues, check out Secret History of the Credit Card, an investigation by FRONTLINE and the New York Times into deceptive credit card practices, which includes the full program online and additional credit card resources.

Thanks and enjoy maximizing money.

PayPal is currently offering airline ticket discounts and shopping savings when you pay through your PayPal account, valid for purchases made by March 27, 2008.

PayPal provides up to $50 cash back on airline tickets and 10% off or up to $20 in shopping savings at various merchants.

Get cash rebates or savings on airline tickets at Midwest Airlines, NWA, and SouthWest Airlines when you pay through PayPal, and get discounts at Overstock.com, GoDaddy.com, and more.

These PayPal Discount Promotional Offers are available to everyone, so sign up for a PayPal account today if you don’t already have one.

NWA

Get $50 cash back deposited back into your PayPal account on airline tickets purchased for $250 or more at nwa.com by March 27, 2008, for travel between April 1 and June 14, 2008.

SouthWest Airlines

Get $50 cash back deposited into your PayPal account on tickets purchased for $250 or more at SouthWest.com by March 27, 2008.

Midwest Airlines

Save $20 on all flights purchased by March 27, 2008, for travel from April 1 through June 30, 2008, when you use the promotional code PayPal20.

BabyUniverse.com

Save $20 on purchases of $100 or more.

CompUSA.com

Get a free 256mb USB drive with any purchase.

GoDaddy.com

Save 10% off everything for your web presence.

My Twinn

Save $20 when you create a personalized doll.

OnlineShoes.com

Get $20 off and free shipping on purchases of $100 or more.

Overstock.com

Save an extra 10% on any purchase of $100 or more.

VitaCost.com

Save an additional $10 on any purchase of $100 or more when you use the promotional code PayPal10.

ZipZoomFly.com

Save $15 instantly when you buy an OCZ 16GB Pen Drive.

These PayPal Promotional Offers are a great way to save money on airline tickets and get shopping discounts when you pay with PayPal.

You may also be interested in these Airline Rewards Credit Cards, which offer free flights and frequent flyer benefits.

These PayPal savings are only available until March 27, 2008, so take advantage of these PayPal discounts while they last.

Thanks and enjoy maximizing money.

The One from American Express credit card is currently offering a $50 cash bonus to new members.

Just apply for the One from American Express card and make 1 purchase of any size, and the $50 credit card bonus will be deposited into a high-yield savings account in your name.

The $50 cash bonus will be deposited into your savings account within 5 to 8 weeks after your first purchase.

One from American Express® provides a full 1% cash rebate on all of your purchases, which will be deposited into your savings account as well.

The high-yield savings account from American Express Bank will be automatically opened in your name when you are approved for the One credit card.

The savings account is maintained for free, and you will have complete access to your savings at any time.

Plus, there is no minimum balance requirement to maintain the account, so you can withdraw your entire $50 credit card cash bonus at any time.

The savings account is FDIC-insured, and you can make additional deposits into your savings account if you would like to take advantage of the interest earnings.

It is important to understand that the One from American Express card does have an annual fee of $35, but this annual fee is waived for the first year.

After the fee-free first year, you may want to reevaluate your participation in this program, as the annual fee may eliminate any interest earnings you would gain, and there are plenty of Cash Rebate Credit Cards with no annual fees that can save you more money for free.

You may also consider transferring your savings into a free ING Direct savings account, which offers a great interest rate and a $25 ING Sign-Up Bonus for their free online savings account.

However, for the purpose of receiving the $50 cash bonus and taking advantage of the 1% cash rebate deposited into a high-yield savings account, this card is well worth participating for at least the first year.

The One from American Express® credit card also offers an interest protection feature, which helps save you money when you carry a balance.

Unlike some cards that charge you interest on your new purchases when you’re already carrying a balance, the One card never charges you interest on your new purchases, even if you are carrying a balance.

That means you can carry a balance from your previous month’s purchases without paying interest on your new purchases, which helps save you money when you carry a balance, and American Express outlines these savings for you in your monthly billing statements and online account.

The One from American Express® card has no preset spending limit, so you can spend as much as your personal resources and credit qualifications will allow, which means you can make very large purchases on this card to take advantage of the 1% cash rebate.

If you’d like to share your One from American Express card, there are no annual fees for additional cards, and the additional cards also earn the 1% cash rebate deposited directly into your savings account.

American Express Credit Cards offer many additional services and features to assist you in emergencies and protect your purchases, and they offer many credit card discounts and savings.

Check out these additional Cash Bonus Credit Cards for even more savings.

Take advantage of this $50 credit card bonus from American Express to get cash rebates deposited into a high-yield savings account in your name.

Thanks and enjoy maximizing money.

Flagstar Bank is currently offering a banking bonus for a $100 gas card when you open a free checking account.

Just open a Flagstar Bank free checking account with a direct deposit of at least $250 per month, and you will receive a $100 gas card.

To receive your Flagstar Bank $100 Gas Card Bonus, you can apply online or at a local branch.

Just enter the promotional code GC100 when applying online or mention the code when applying at a local Flagstar Bank.

Flagstar Bank offers free checking accounts with no maintenance charges, no minimum balance requirements, free checks, free online banking, and minimum opening balance requirements as low as $1.

Plus, you’ll receive the $100 gas card bonus when you establish a direct deposit of at least $250 per month.

It is important to understand that your account must remain open and active for at least 6 months, or the value of the gas card may be reclaimed from your account upon closing.

This Flagstar Bank Gas Bonus is an excellent way to save money on your gas purchases while taking advantage of a free checking account.

You may also be interested in these Gas Rebate Credit Cards that can save you even more money on your gasoline purchases.

Take advantage of this banking bonus from Flagstar Bank for a free $100 gas card.

Thanks and enjoy maximizing money.