Joshua Heckathorn

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Joshua Heckathorn

Joshua Heckathorn is a credit expert and has been featured on CNNMoney, FOX Business, Yahoo Finance, The Street, and many other national publications during the past twenty years.  He received a Bachelor of Science in Management (Finance) from Brigham Young University's Marriott School of Business and earned his MBA from Seattle University.

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Recent Blogs

Last Day to Get Southwest Rapid Rewards Card 50,000 Bonus

November 10th, 2011 by Joshua Heckathorn

The 50,000 point signup bonus for the Southwest Rapid Rewards Plus Card is unfortunately flying away just as fast as it flew in last month. I doubt the promotion is getting the axe due to lack of popularity.  In fact, my guess is this card offer has been extremely popular among the millions of consumers searching for ways to bring down the cost of their holiday travel this year.  It's difficult to turn down over $800 in free money for travel, even if there is a $69 annual fee attached to the card!

Citi Diamond Preferred Card Review: $200 Cash Back Holiday Promo

November 9th, 2011 by Joshua Heckathorn

If you drool all over yourself when thinking about the deals you'll score this coming Cyber Monday, Citi has yet another deal for you to help kick off the holiday shopping season. $200 cash back, in the form of a statement credit, for spending just $500 online within the first 3 months on the new Citi Diamond Preferred Card. That's a 40% return on your initial $500 spend, which is an awesome deal for a no annual fee credit card. Most other card offers will require at least a $1,000 spend during the first 3 months to qualify for signup bonuses, so this is especially great if you plan to spend less this year on your shopping but still want to enjoy an attractive cash back bonus. While it's not entirely clear how purchases will be categorized as online or not, any shopping you do on sites like Amazon or Etsy should obviously count as online purchases. However, If you do purchase something from a store that has brick-and-mortar locations as well, I would make sure you check your statements closely to verify that all the transactions are properly categorized as "online" purchases.  There are bound to be mistakes.

Bank Transfer Day: Over 77,000 Strong

November 4th, 2011 by Joshua Heckathorn

Tomorrow, Nov. 5th, is Bank Transfer Day.  I honestly didn't realize how large a movement this was until I checked out their Facebook page today. Not only do they have over 40,000 likes, but over 77,000 people have indicated they plan on participating in the event by moving all their money from for-profit banking institutions to not-for-profit local credit unions by tomorrow. That's a big number!  Credit Union executives must be drooling all over themselves.

Creditnet's Celebrity Wedding Cost Match-Up Game

November 2nd, 2011 by Joshua Heckathorn

Think you know what some of the world's most famous couples have spent on their weddings? If so, test your celebrity wedding prowess today by playing Creditnet's Celebrity Wedding Cost Match-Up Game.

Ask Creditnet: Which Debt Should I Pay Off with a Balance Transfer?

October 31st, 2011 by Joshua Heckathorn

paying credit card bills Dear Creditnet: I was recently approved for a zero interest credit card with a $3,500 credit limit. The zero interest promotion lasts for the first 12 months. I’m looking to put the first $1,000 to great use by either paying off balances on 2 high-interest credit cards totaling $800 with monthly minimum payments of $20, or by paying off the balance on a $1,150 auto loan with monthly payments of $165. I'm not sure which will boost my credit score the most. Can you answer this?

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