Credit Card Price-Matching Explained By Arizona Credit Repair Firm

There aren’t many people who know that many major credit card issuers including American Express and MasterCard offer a program known as price protection.  Just like at Wal-Mart, if you buy something today and find it at another store tomorrow for twenty dollars less, you may be able to seek reimbursement for the difference from your credit card company.

The same goes for if the product suddenly comes down in price later.  If you buy something from a store one day with your credit and its ten bucks less the next day, you can contact your credit card company and seek those ten dollars in reimbursement.

It sounds too good to be true, but with just a little research you could find yourself saving hundreds of dollars every month.

How Credit Card Price Protection Works

For demonstration purposes, we’re going to say that you bought a $500 television for Christmas.  But, before New Year’s Day, you see it for $400 at another store – same television, same size, same features, for less money.

I’ll wager this is something that’s happened to all of us at one point or another.  But if you bought that television with your credit card, you might be able to get reimbursed for that extra hundred you spent if your issuer offers a price protection policy.

It is likely that your credit issuer will request information, like a copy of your receipt, an advertisement for the cheaper product in question, and possibly the item or model number.  If you can provide the information they require within the time specified in your contract (usually 30-90 days), they will investigate.  If they find that the item is indeed cheaper somewhere else or at a later time, they will return the $100 you lost in the transaction.

Check with the company that issued your credit card to find out if they participate in the price protection policy.  You may also want to familiarize yourself with they’re specific rules and policies pertaining to price protection.  But, if this seems like something that happens to you often, it’s well worth the effort.

Learn More From The Top Arizona Credit Repair Service

Credit Absolute specialized in credit repair services that can help you learn more credit card tricks and tips like price protection and use them to your advantage.  To learn more from the highest rated Arizona credit repair firm, contact us today.

Source: creditabsolute.com

You can now redeem points for crypto – but you may not want to – The Points Guy


Brex launches ability to redeem points for crypto — but is it worth it?


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Source: thepointsguy.com

Chase Cards: Earn 5x On Purchases During May – August, Up to $1,500 Spend (Southwest, United, Marriott, Hyatt, IHG, Avios Cards, Disney, AARP, Starbucks, Amazon)

Update 5/14/21: Reader JC suggests that you might have more success activating these offers at their direct links instead of the catch-all link. See the full list of links in this comment.

(Reposting 5/12/21 as emails are now going out about this offer. Also added Amazon to the title. Could be worth checking again now if it wasn’t working for you earlier.)

The Offer

Check all your Chase Offers here (should work for any offer on any card)

  • Chase is offering spend bonuses on their co-branded cards from May 15 – August 15, 2021. The offers are basically 5x on travel and gas stations (and 6x, 7x or 8x on the specific brand) Some sample offers:
    • United: Earn 6x miles on United purchases and 5x miles on travel purchases and gas stations on up to $1,500 in spend

Our Verdict

Not sure if this stacks with the previous deal or not.

Source: doctorofcredit.com

Investing in a College Town Rental Property During COVID-19: Charlottesville, VA

In average years, owning a rental in a college town has some significant advantages. Students and faculty at colleges and universities create ready-made rental markets that are relatively impervious to local economic trends. Student populations are increasing as scholarship and loan programs help more young people get a four-year or graduate degree.

School opening and commencement dates are set years in advance. Landlords know precisely when demand for rental space will peak and ebb. Nine-month leases are the norm so that college rentals may have slightly higher monthly rentals than standard 12-month leases. The summer is an excellent time to repair and renovate rental properties in college towns. With a shorter rental period, college town landlords charge slightly more per month than they would for a 12-month lease.

Read: What to Know Before You Rent to College Students

Seemingly like everything else, the coronavirus pandemic is changing college life. Last spring, the virus forced many schools to close early. Many colleges and universities did not announce opening times until early August, giving students and faculty just a few weeks’ notice.

With the virus still out of control in many areas, most colleges are setting their schedules one semester at a time. With as little as two weeks’ notice, students and parents are rearranging their plans to comply with changing move-in dates.

Students are a Quarter of the Local Rental Market

At the University of Virginia in Charlottesville, VA, first-year undergraduate students must live in University housing. Upper classes and graduate students prefer the freedom of living off “the Grounds,” as the historic campus is known. More are moving off-campus for financial reasons. UVA raised housing costs in university housing by 3.5% in 2019 and by the same amount again in 2020, bringing the price to $6,680 per year for first-year students. For upperclassmen housing, several dorms cost as much as $8,120 per academic year.

Students account for nearly one-fourth of all rental households in the Charlottesville housing market. Some 15,200 of the school’s 24,600 students live in apartments or single-family rental housing units, mostly in the city of Charlottesville or in portions of Albemarle County located near the University. Since 2010, approximately one-third of the newly constructed apartment units have been built for and marketed to students. The bedroom, not the entire unit, is typically rented to students. Rents for entire units are typically 10% to 70% higher than comparable newly constructed properties in the housing market.

Read: A Quick Guide to Virtual Tours for Homebuyers and Renters

UVA students commonly make arrangements for off-campus housing a year in advance. The marketing of leases for the fall of 2020 started in October 2019. Initially, demand was strong. “Before March, we were fortunate to be ahead of our lease-up goals for the 2020-2021 academic year,” said digital marketing manager Stephen Colvin of Management Services Corporation, a locally owned property management company. “Since March, we have seen a decrease in leasing activity. Students continue to sign leases for the fall, but velocity has declined precipitously since March 16,”

University of Virginia Asks Students to Arrive Two Weeks Later Than Planned

In March, UVA closed down all in-person classes and, for the remainder of the semester, moved all classes online. The University did not announce the schedule for opening in the fall until August 4, leaving thousands of parents and students wondering when they should arrive on “the Grounds,” as the campus is known. All undergraduate courses for the fall semester opened as initially scheduled on August 25 but operated online September 8, when in-person instruction began. The University urged students who plan to live off-campus to delay their return until then.

On August 17, The University of North Carolina at Chapel Hill announced 177 students had tested positive for COVID-19 after one week of in-person classes, and the school will shift to remote learning. “Under current conditions, it is not safe for you to come to campus,” the UNC faculty members wrote in The Charlotte Observer. Students were told that they can cancel contracts with Carolina Housing with no penalty and that residents with “hardships,” like those without reliable internet access, international students, or student athletes, can stay if they choose.

woman taking online courses attending uva in charlottesville vawoman taking online courses attending uva in charlottesville va

Approximately the same size as UVA and 190 miles away, the two schools are considered to be peer institutions. A University of Virginia spokesperson said that administrators are “monitoring” the situation in Chapel Hill.

Charlottesville’s Rents Defy National Trends

From June to July, rents on a national basis experienced a cumulative decline of 0.3% since the pandemic began. While this dip may seem modest, it is occurring at a time of year when rent growth usually is at its fastest due to seasonality in the market. Over the entirety of the past year, the Rentonomics national index increased by just 0.2%, by far the lowest year-over-year growth rate over any of the past five years. Rents are decreasing when rental activity is typically at its peak. The fall-off reflects the financial hardship and shifting preferences imposed by the pandemic.

Read: How is COVID-19 Impacting Homebuyer Preferences?

However, the pandemic did not slow down healthy appreciation in Charlottesville’s rents. As of July 2020, the average rent for an apartment in Charlottesville was $1715, a 7.99% increase from a year ago when the average rent was $1578, and a 1.87% increase from June when the average rent was $1683. One-bedroom units have increased by $170 (18.6%), and two-bedroom apartments are up by $117 (7.8%), according to RentJungle.

Read: The Most Important Tax Implications Involved with Buying Investment Properties

Homes.com’s How To Section

If you’re looking to buy, whether for an investment property or family home, then visit Homes.com’s How To section where you can find free, step-by-step guides on the entire buying, selling, or renting process. You can also visit our blog for all of the resources you might need when buying a home.


Steve Cook is the editor of the Down Payment Report and provides public relations consulting services to leading companies and non-profits in residential real estate and housing finance. He has been vice president of public affairs for the National Association of Realtors, senior vice president of Edelman Worldwide and press secretary to two members of Congress.

Source: homes.com