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FreeTravelandCreditTips.com is a personal blog with individual experiences and travel information for entertainment purposes only. FreeTravelandCreditTips.com is not an investment, financial, credit card, and/or credit advisory service and does not provide personalized credit card or financial advice or act as a financial advisor.  None of FreeTravelandCreditTips.com, its owners (expressly including but not limited to RTS), officers, directors, employees, subsidiaries, affiliates, licensors, service providers, content providers and agents are financial advisers and nothing contained herein is intended to be or to be construed as financial advice. 

FreeTravelandCreditTips.com exists for entertainment purposes only, and the materials and information contained herein are for general informational purposes only. None of the information provided in the website/blog or associated videos is intended as investment, financial, tax, accounting or legal advice. The information in the materials should not be solely relied upon for purposes of transacting any investment, credit decisions, or purchases.  Obtain professional advice regarding all financial and/or credit decisions before acting on any general or specific information described on this website/blog.  

Additional Good Warning:

Do not rely on this website for making decisions on credit, use your own judgment and make your own decisions with the help of a professional or expert.  The author of this website is NOT a credit expert.  Your credit report and score are solely your responsibility.  Credit Scores and Credit Reports are individual and differ from person to person, no one can predict how each credit inquiry will affect any single credit report/score.  However, frequent credit card applications may negatively affect your credit score.  Each individual must accept all risks associated with using the information on this website or in the video tips.  All general tips are just the honest expressions of the author's personal opinions and experiences.  Credit Card companies and banks make all their own decisions regarding relationships with their clients, FreeTravelandCreditTips has no inside information nor special relationship with credit issuing companies.  Although, FreeTravelandCreditTips makes a reasonable attempt to keep information current, frequent changes occur and some information on this site may not be current.  Therefore, ALWAYS read the terms and conditions of each credit application or agreement before submitting.  FreeTravelandCreditTips encourages documenting all terms and conditions or agreements from credit issuers to ensure accuracy.  Miles and points may vary and sometimes are stated in agreements and sometimes are not.  Use caution and read carefully.  Under no circumstance shall any of the information on this website be construed as a solicitation, the giving of advice, or a recommendation to purchase any product or service.  FreeTravelandCreditTips.com takes no responsibility for the content of any user that posted a comment on this website.  

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And in case it was not clear the first few times:

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Do not allow all the "mumbo jumbo" to keep you from traveling the world!