Sometimes you can get a hotel upgrade just by asking

I happen to have an SPG gold and i have an upcoming stay in Sofia. I sent a friendly request wondering if i could get a room with lounge access since SPG gold is not eligible for lounge access. My message to the concierge was as simple as “Also is it please possible to get an upgrade to the club floor with lounge access?”

The reply i got back was “Dear Mr. Peleg,

I would like to inform you that free access the executive lounge is a
benefit for the Platinum SPG members, but we will be delighted to provide it
to you on complimentary basis for this particular stay.

If there is anything else that I could be helpful with, please contact me at
any time.”

I got a mid week stay in July which is a very low tourist volume time in Sofia since everyone goes to the other parts of the country so perhaps this has affected their decision . But perhaps sometimes it’s is just a good idea to ask this is contradictory to what you should do when you fly since you will almost always get knocked down.

Closed accounts still aged

It’s a common misconception that closing a credit card hurts your credit score. Indeed the only thing that would hurt you is a lowered credit limit overall due to the closure. So if you have a high fee card don’t worry about closing it since it will indeed still age after you close. Account age is very important for your credit score so if that is your fear then fear not.

You can basically signup for as many american express cards at once

American express is an odd one since they basically allow you to apply for as many credit cards as once as you want with no problems unlike the other ones like chase or citi where you have to wait a specified amount of time. Note this does not apply to you if you got declined then you must wait for 90 days. Amex will approve the 2nd card after you activate the first one and same with the 3rd card so don’t panic! you can do. Amex is one of the easiest ones to get approved for a business card under your own name so take advantage of the current offers which are going around on the web.