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Do I need to send the letter to both of them. Jacky Smeth has been giving valuable content on loan related problems so that the borrowers can refer them while selecting the loans. I am open to business cards. I am interested in the perks and benefits of the premium and I should be able to hit В3000 within the first 3 months. The main reason why is because all the Rapid Rewards points you earn with a Southwest credit card count towards the 110,000 point requirement to earn the Southwest Companion Pass. Max out that HSA. Individual loans offer unprotected cash to borrowers and in many cases to no credit score is needed. Some of the top card issuers include Chase, Bank of America, Capital One and Citi.