A few months ago, LaQueshia Clemons and her husband were looking for ways to earn the most points on their credit cards.

Later this year, according to a letter to members on its ... meaning you can immediately cover the balance when it's due each month -- using a credit card can be a good way to rack up points. Clemons, ...

A dream trip to America may now require a different strategy, securing a visa appointment at an international consulate with ...