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Balance Transfer to American Express IN Los Angeles American Express® IN Los Angeles


American Express IN Los Angeles
Intro APR: 0%

 Issuer: American Express
The IN:LA Card comes with a rewards program that lets you eat, drink, and play at some of Los Angeles' top spots. The Card comes with the exceptional benefits and features you expect from American Express. Plus with the The IN:LA Card from American Express, you can:

  • Earn one INSIDESM Rewards point for every eligible dollar you spend, whether you're in Los Angeles or not
  • Earn double INSIDE Rewards points when you use the Card for city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions
  • Redeem points for rewards to eat, drink, and play in Los Angeles, Chicago, and New York
    0% APR on purchases and balance transfers for 6 months
  • No Annual Fee
  • Option to carry a balance
  • Earn one INSIDESM Rewards point for virtually every eligible dollar you spend, whether you're in Los Angeles or not
  • Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
  • Points have no expiration date, there's no limit to the number of points you can earn, and you can redeem points for rewards in Los Angeles, Chicago, and New York
Enjoy more of what LA has to offer. The IN:LA Card also comes with special ongoing benefits, such as Tuesdays IN:LA, where you can save 10% when you use your IN:LA Card at select retailers, spas and health clubs. And get on the list and skip the line at some of LA's hottest clubs using Clubplanet.com, plus gain access to select VIP rooms. The Card can even help you save on memberships at museums and tickets to clubs, concerts, and more.3 4





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Apply for American Express® IN Los Angeles

Myth: I should pay off the debt with the highest interest rate first to get out of debt quickly.
Truth: You should pay off the smallest debt first to create the greatest momentum in your debt snowball.

The math seems to lean more toward paying the highest interest debts first, but what I have learned is that personal finance is 20% head knowledge and 80% behavior. You need some quick wins in order to stay pumped enough to get out of debt completely. When you start knocking off the easier debts, you will start to see results and you will start to win in debt reduction.

The principle is to stop everything except minimum payments and focus on one thing at a time. Otherwise, nothing gets accomplished because all your effort is diluted.

First accumulate $1,000 cash as an emergency fund. Then begin intensely getting rid of all debt (except the house) using my debt snowball plan. List your debts in order with the smallest payoff or balance first. Do not be concerned with interest rates or terms unless two debts have similar payoffs, then list the higher interest rate debt first. Paying the little debts off first gives you quick feedback, and you are more likely to stay with the plan.

Build Momentum
Redo this sheet each time you pay off a debt, so you can see how close you are getting to freedom. Keep the old sheets to wallpaper the bathroom in your new debt-free house! The “New Payment” is found by adding all the payments on the debts listed above that item to the payment you are working on, so you have compounding payments which will get you out of debt very quickly.

“Payments Remaining” is the number of payments remaining when you get down the snowball to that item. “Cumulative Payments” is the total payments needed, including the snowball, to pay off that item. In other words, this is your running total for “Payments Remaining.”

You attack the smallest debt first, still maintaining minimum payments on everything else. Do what is necessary to focus your attention. Keep stepping up to the next larger bill. After the credit debt is taken care of, you are ready for the next baby step in your Total Money Makeover.

I have been broke. I know how scared I felt, and I know how fast I wanted to get out of debt. I know how you feel, and I have learned that what really works is unbelievably fierce, focused intensity.


  • Transfer your balance to American Express® IN Los Angeles

  • According to statistics in a recent survey, less than half of those who apply for a credit card shop around at all. They either accept the credit card offered by their bank or another organization, or they fall prey to a credit card advert that lands in their post box. Is that any way to find the best credit card deal?

    The question is rhetorical, obviously - but what's not rhetorical is the need to do a bit of homework before you apply for a credit card. The wrong choice can cost you thousands of pounds over the course of a few years.

    Some wrong choices jump right out at you. If you can qualify for a low interest credit card, you'd be a plumb fool to apply for one with an APR of 34%. Keeping your eye on the average typical interest rates can help you avoid applying for credit cards that offer outrageously high interest rates.

    Other times, though, it's not so easy to recognize which credit cards to avoid. As often as not, it's a matter of using a perfectly good credit card for the wrong purpose. Low interest balance transfer cards are a good example. Most people are drawn to low interest balance transfer cards because of the low APR on transferred balances. They usually carry a higher rate of interest on new charges to your card. They also usually apply your payments to the balance transfer first. That means that until your transferred balance is paid off in full, any new purchases that you put on the card will sit and accumulate interest - on which you'll pay interest.

    Bottom line: avoid using a balance transfer credit card to make purchases.

    Store credit cards offer some of the highest interest rates of all types of lending. Those high APRs are often hidden behind a special offer - pay for your purchase on a store credit card and get no interest for three months, or until the end of the year. Be careful to read all the fine print on those offers. It's not unusual for the no interest to be contingent upon having the balance paid in full by the end of the interest free period. If it's not, you could find yourself whacked with the entire interest from the date of purchase. Other things that may invalidate a no interest store card offer include late payment, going over-limit or missing a payment.

    Bottom line: Avoid using a store credit card unless you use it for a special promotion - and abide by all of the stated terms.

    If you make it a practice to research credit cards before you apply for one, you'll be able to spot which credit cards to avoid on your own. Moneyeverything.com makes it easy to compare credit cards and find the best credit card - and the ones to avoid.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.