Meet the Renters

You use a credit card to pay for gas, groceries and even the clothes you're wearing, but does it really make financial sense to put your rent on your credit card? It might sound risky, but according to this article by USA Today, it can make a lot of sense if you're using the right credit card and have financial discipline.

So when does it make sense?

1. If you're using your credit card to quickly improve your credit score.

   Paying your rent with a credit card can help you build or repair your credit score very quickly. Your payment history makes up 35% of your credit score and if you pay your rent off every month, you can quickly see the positive impact on your credit score.

2. If you're using a credit card that gives you cash back or other perks like airline points.

   For example, the Barclaycard Arrival Plus World Elite MasterCard has a 2.2% rewards rate on every purchase. Paying $1,000 a month in rent on your card would net you $22 a month in rewards.

3. If you have a new credit card with a good introductory sign-up bonus.

   To redeem some of these sign-up bonuses, you are required to spend a certain amount of money in a short period of time.

   For example, the Barclaycard is offering 40,000 bonus miles worth $400 for travel when you spend $3,000 or more on purchases within the first 90 days from account opening. If you normally wouldn't hit the $3,000 mark, it might make sense for you to pay rent on this card to get there as the rewards will more than offset any processing fees you'll pay.

4. If it’s the only way you can pay your rent on time.

   It’s not uncommon to run in to situations where you don’t have the cash in your account to cover your upcoming rent. Maybe you don’t get paid until after your rent is due. Using a credit card to ensure your rent is paid on time almost always costs less than the late fee’s your landlord will charge you or a returned check fee.

5. Finally, it's important to pay off your rent every month.

   Failing to pay off your credit card every month can leave you hanging with interest. If you leave a balance of $1,000 on your card at 12.99% APR, you'll end up paying $10.75 the first month in interest, which can offset the value of gaining cash back or airline miles.

RadPad Rent Giveaway Official Rules

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.

OPEN ONLY TO ELIGIBLE LEGAL RESIDENTS OF THE 50 UNITED STATES AND DISTRICT OF COLUMBIA WHO, AS OF THE TIME OF ENTRY, ARE AT LEAST 18 YEARS OLD.

VOID IN PUERTO RICO, AND ALL JURISDICTIONS OTHER THAN THOSE STATED ABOVE AND WHERE PROHIBITED OR RESTRICTED BY LAW.

1. Eligibility The RadPad Rent Giveaway (the “Contest”) is open only to individuals who are (i) new or current users of the Pay with RadPad rent payment program, (ii) eighteen (18) years of age or older at the time of entry and (iii) are legal residents of the 50 United States or the District of Columbia. Void in Puerto Rico and where prohibited or restricted by law. The following individuals are not eligible to enter or win a prize: employees, contractors, directors, and officers of RadPad Holdings, Inc. (“Sponsor”), its parent companies, subsidiaries, affiliates, agents, marketing agencies, and any other parties involved in the administration of the Contest (“Contest Parties”) and each of the immediate family members of such excluded individuals (i.e., spouses, parents, children, siblings and the “steps” of each) and all persons living in the same household of each. By participating in this Contest, entrants agree to be bound by these official rules (“Official Rules”) and by the decisions of the Sponsor in all matters relating to the Contest.
2. Contest Period The entry period for the Contest commences on April 15, 2016 at 8:00:00 AM PT and ends on April 30, 2016 at 12:00:00 PM PT (“Entry Period”). Sponsor’s computer is the official time keeping device for the Contest.
3. How to Enter
   
   NO PURCHASE NECESSARY AND NO ENTRY FEE, PAYMENT OR PROOF OF PURCHASE IS NECESSARY TO PARTICIPATE.
   
   You may use one of two methods to enter the Contest. The first method of entry requires you to register for our “Schedule My Rent” service as set forth in Steps 1 through 4 below. The second method of entry requires a mail-in entry as explained below under the section entitled “Alternative Method of Entry”. Limit (1) entry per person, regardless of method of entry used.
   
   Step 1: Go to https://www.onradpad.com/paymyrent/contest, enter your rent payment, email, payment date, and payment frequency into the form on the right of the screen, and click “Schedule My Rent”.
   
   Step 2: On the following page, complete each of the required fields, including your landlord’s name and mailing address, your name and address, and your rent payment details. If you use a debit card to pay your rent, we charge no service fee if your rent is less than $5,000 per month or a flat $9.95 service fee per month if your rent is greater than $5,000. Our service fees for MasterCard credit card payments are just 1.99% per transaction while our service fees for Visa, American Express & Discover credit card payments are 3.49% per transaction. After June 1, 2016 MasterCard credit rates will return to 3.49% in accordance with the end of the MasterCard promotional period.
   
   Step 3: Create a free RadPad account.
   
   Step 4: On the following page, click “Schedule My Rent” to finish the process.
   
   Each new user which creates an account and completes the process above during the Entry Period earns (1) entry into the Contest.
   
   Compliance with the entry requirements will be determined by Sponsor in its sole discretion. Submissions that violate, as determined by the Sponsor, in its sole discretion, these entry requirements or do not meet the submission deadlines will be disqualified from the Contest.
   
   Alternative Method of Entry: If you do not want to enter the Contest via the above method of entry, you can receive an entry by making a postal mail request. To enter by mail, legibly hand print your full name, complete address (including zip code), home telephone number, and e-mail address on a 3 ½” x 5” card and mail it, postage pre-paid to:
   RadPad Holdings, Inc.
   ATTN: Matt Reilly
   5870 W. Jefferson Ave. Suite C
   Los Angeles CA 90016.
   
   Limit of one (1) entry card per envelope. You will receive one (1) entry for the completed entry card received. The mail in entry must be postmarked by April 29, 2016 and received by Sponsor no later than April 30, 2016. Contest Parties assume no responsibility for lost, late, incomplete, stolen, misdirected, illegible or postage-due entries or mail. No mechanically reproduced entries permitted. Illegible/incomplete entries are void.
4. Winner Selection On or about May 3, 2016, one (1) winner will be selected from all eligible entries received during the Entry Period. On or about May 3, 2016, Sponsor will notify winner by email. Odds of winning depend on number of entries received.
5. Prizes and Prize Claim
   
   One (1) winner will win a check for $250.
   
   The prize is non-transferable and no prize substitution is permitted, except at the sole discretion of the Sponsor. If the prize cannot be awarded for any reason, Sponsor reserves the right in its sole discretion to substitute a prize with one of comparable or greater value. The winner is solely responsible for all federal, state, local, or other applicable taxes associated with the acceptance and use of the prize. All costs and expenses associated with prize acceptance and use not specifically provided herein are the responsibility of the winner.
   
   Winner is subject to verification, including verification of age and residency. As a condition of receiving a prize, the winner must sign and return any documents requested by Sponsor, including but not limited to, an affidavit of eligibility and publicity/liability release. Failure to sign and return any requested documents by the specified return date will result in disqualification of the winner and the forfeiture of all interest in the prize.
   
   Within one (1) week of receipt of notification regarding prize winning, the winner must provide a valid mailing address to Sponsor in order for Sponsor to mail the prize to the winner. Sponsor will pay for the cost of mailing the prize to the winner. The method of shipping and the carrier will be determined in the sole discretion of Sponsor. If the winner (i) is determined to be ineligible, (ii) fails to respond to the initial verification message within one (1) week of notification or after three (3) attempts (whichever occurs first), or (iii) fails to provide a valid mailing address within one (1) week of receipt of notification regarding prize winning, the winner forfeits the prize in its entirety and an alternate winner will be randomly drawn from the remaining eligible entries.
6. Publicity Except where prohibited by law, winner’s acceptance of the prize constitutes permission for Sponsor to use the winner’s name and likeness worldwide and in all forms of media, now known or later developed in perpetuity, without further compensation. Additionally, the winner agrees to Sponsor’s use of his or her name and likeness for advertising and publicity purposes, in any media now known or later developed, without additional compensation, unless prohibited by law.
7. Limitation of Liability and Release By participating in the Contest or accepting a prize, entrants agree that Sponsor and the Contest Parties, (collectively, “Releasees”) will not be liable for any claims arising out of technical problems or malfunctions in connection with the Contest, including, without limitation, those arising in connection with any of the following occurrences that may affect the operation of the Contest: hardware or software errors; faulty computer, loss of telephone, cable, satellite, network, electronic, wireless, or Internet connectivity, or other online communication problems; errors or limitations of any Internet service providers, servers, hosts, or providers; garbled, jumbled, or faulty data transmissions; failure of any transmissions to be sent or received; lost, late, delayed, or intercepted transmissions; unauthorized human or non-human intervention in the operation of the contest, including without limitation, as a result of unauthorized tampering, hacking, theft, viruses, bugs, worms; or destruction of any aspect of the Contest. Entrants further agree that Releasees shall not be responsible for (i) lost, late, incomplete, illegible, indiscernible, or misdirected entries or for any typographical errors in the announcement of the prize or these Official Rules, (ii) any inaccurate or incorrect data contained on promotional materials, or (iii) any error in the administration of the Contest or announcement of the prize and/or all Contest-related materials. As a condition of entering, entrants agree (and agree to confirm in writing if requested by Sponsor): (a) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, indirect, special, exemplary, or consequential damages; and (b) that any and all claims, judgments, and award shall be limited to actual out-of-pocket costs incurred, excluding attorneys’ fees and court costs. If a entrant is a California resident, such entrant hereby waives California Civil Code Section 1542, which states, “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor.” CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE FOREGOING DISCLAIMERS, EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
8. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT A PARTICIPANT, TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THIS CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.
9. Sponsor’s Reservation of Rights If the Contest is not capable of running as planned for any reason, including without limitation, due to a force majeure event or infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Contest, Sponsor reserves the right, at its sole discretion, to disqualify any individual who is responsible or who tampers with the entry process or otherwise acts in violation of these Official Rules, and to cancel, modify, or terminate the Contest. In the event of cancellation, Sponsor reserves the right to award the prize in its discretion based on all eligible, non-suspect points awarded prior to cancellation. In the event that an entry is confirmed to have been erroneously deleted, lost or destroyed, entrant’s sole remedy shall be another entry into the Contest.
10. Governing Law and Jurisdiction All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, your rights and obligations, or the rights and obligations of the Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the laws of State of California, without giving effect to any choice of law or conflict of law rules. By entering, you consent to the jurisdiction and venue of the state and local courts located in Los Angeles County, California and the federal courts located in the Central District of California for the resolution of all disputes, and agree that any and all disputes shall be resolved exclusively in those courts. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. If any provision of these Official Rules is held to be invalid or unenforceable, such provision shall be struck, and the remaining provisions shall be enforced.
11. Privacy Any personally identifiable information collected during an entrant’s participation in the Contest will be collected by Sponsor or its designee and used by Sponsor for the proper administration and fulfillment of the Contest, as otherwise described in these Official Rules, and in accordance with the terms of RadPad’s privacy policy available at https://www.onradpad.com/privacy.
12. Winner’s List For the names of the winners, place a self-addressed, stamped business-sized envelope in an envelope and mail it to: RadPad Holdings, Inc., 5870 W. Jefferson Ave., Los Angeles, CA 90016. Requests must be received no later than sixty (60) days after the end of the Entry Period.
13. Sponsor RadPad Holdings, Inc., 5870 W. Jefferson Ave., Los Angeles, CA 90016.

RadPad Rent Giveaway Official Rules

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.

OPEN ONLY TO ELIGIBLE LEGAL RESIDENTS OF THE 50 UNITED STATES AND DISTRICT OF COLUMBIA WHO, AS OF THE TIME OF ENTRY, ARE AT LEAST 18 YEARS OLD.

VOID IN PUERTO RICO, AND ALL JURISDICTIONS OTHER THAN THOSE STATED ABOVE AND WHERE PROHIBITED OR RESTRICTED BY LAW.

1. Eligibility The RadPad Rent Giveaway (the “Contest”) is open only to individuals who are (i) not already registered as an existing user on www.onradpad.com, (ii) eighteen (18) years of age or older at the time of entry and (iii) are legal residents of the 50 United States or the District of Columbia. Void in Puerto Rico and where prohibited or restricted by law. The following individuals are not eligible to enter or win a prize: employees, contractors, directors, and officers of RadPad Holdings, Inc. (“Sponsor”), its parent companies, subsidiaries, affiliates, agents, marketing agencies, and any other parties involved in the administration of the Contest (“Contest Parties”) and each of the immediate family members of such excluded individuals (i.e., spouses, parents, children, siblings and the “steps” of each) and all persons living in the same household of each. By participating in this Contest, entrants agree to be bound by these official rules (“Official Rules”) and by the decisions of the Sponsor in all matters relating to the Contest.
2. Contest Period The entry period for the Contest commences on April 15, 2016 at 8:00:00 AM PT and ends on April 30, 2016 at 12:00:00 PM PT (“Entry Period”). Sponsor’s computer is the official time keeping device for the Contest.
3. How to Enter
   
   NO PURCHASE NECESSARY AND NO ENTRY FEE, PAYMENT OR PROOF OF PURCHASE IS NECESSARY TO PARTICIPATE.
   
   You may use one of two methods to enter the Contest. The first method of entry requires you to register for our “Schedule My Rent” service as set forth in Steps 1 through 4 below. The second method of entry requires a mail-in entry as explained below under the section entitled “Alternative Method of Entry”. Limit (1) entry per person, regardless of method of entry used.
   
   Step 1: Go to https://www.onradpad.com/paymyrent/contests/thenivenulls, enter your rent payment, email, payment date, and payment frequency into the form on the right of the screen, and click “Schedule My Rent”.
   
   Step 2: On the following page, complete each of the required fields, including your landlord’s name and mailing address, your name and address, and your rent payment details. If you use a debit card to pay your rent, we charge no service fee if your rent is less than $5,000 per month or a flat $9.95 service fee per month if your rent is greater than $5,000. Our service fees for MasterCard credit card payments are just 1.99% per transaction while our service fees for Visa, American Express & Discover credit card payments are 3.49% per transaction.
   
   Step 3: Create a free RadPad account.
   
   Step 4: On the following page, click “Schedule My Rent” to finish the process.
   
   Each new user which creates an account and completes the process above during the Entry Period earns (1) entry into the Contest.
   
   Compliance with the entry requirements will be determined by Sponsor in its sole discretion. Submissions that violate, as determined by the Sponsor, in its sole discretion, these entry requirements or do not meet the submission deadlines will be disqualified from the Contest.
   
   Alternative Method of Entry: If you do not want to enter the Contest via the above method of entry, you can receive an entry by making a postal mail request. To enter by mail, legibly hand print your full name, complete address (including zip code), home telephone number, and e-mail address on a 3 ½” x 5” card and mail it, postage pre-paid to:
   RadPad Holdings, Inc.
   ATTN: Matt Reilly
   5870 W. Jefferson Ave. Suite C
   Los Angeles CA 90016.
   
   Limit of one (1) entry card per envelope. You will receive one (1) entry for the completed entry card received. The mail in entry must be postmarked by April 29, 2016 and received by Sponsor no later than April 30, 2016. Contest Parties assume no responsibility for lost, late, incomplete, stolen, misdirected, illegible or postage-due entries or mail. No mechanically reproduced entries permitted. Illegible/incomplete entries are void.
4. Winner Selection On or about May 3, 2016, one (1) winner will be selected from all eligible entries received during the Entry Period. On or about May 3, 2016, Sponsor will notify winner by email. Odds of winning depend on number of entries received.
5. Prizes and Prize Claim
   
   One (1) winner will win a check for $250.
   
   The prize is non-transferable and no prize substitution is permitted, except at the sole discretion of the Sponsor. If the prize cannot be awarded for any reason, Sponsor reserves the right in its sole discretion to substitute a prize with one of comparable or greater value. The winner is solely responsible for all federal, state, local, or other applicable taxes associated with the acceptance and use of the prize. All costs and expenses associated with prize acceptance and use not specifically provided herein are the responsibility of the winner.
   
   Winner is subject to verification, including verification of age and residency. As a condition of receiving a prize, the winner must sign and return any documents requested by Sponsor, including but not limited to, an affidavit of eligibility and publicity/liability release. Failure to sign and return any requested documents by the specified return date will result in disqualification of the winner and the forfeiture of all interest in the prize.
   
   Within one (1) week of receipt of notification regarding prize winning, the winner must provide a valid mailing address to Sponsor in order for Sponsor to mail the prize to the winner. Sponsor will pay for the cost of mailing the prize to the winner. The method of shipping and the carrier will be determined in the sole discretion of Sponsor. If the winner (i) is determined to be ineligible, (ii) fails to respond to the initial verification message within one (1) week of notification or after three (3) attempts (whichever occurs first), or (iii) fails to provide a valid mailing address within one (1) week of receipt of notification regarding prize winning, the winner forfeits the prize in its entirety and an alternate winner will be randomly drawn from the remaining eligible entries.
6. Publicity Except where prohibited by law, winner’s acceptance of the prize constitutes permission for Sponsor to use the winner’s name and likeness worldwide and in all forms of media, now known or later developed in perpetuity, without further compensation. Additionally, the winner agrees to Sponsor’s use of his or her name and likeness for advertising and publicity purposes, in any media now known or later developed, without additional compensation, unless prohibited by law.
7. Limitation of Liability and Release By participating in the Contest or accepting a prize, entrants agree that Sponsor and the Contest Parties, (collectively, “Releasees”) will not be liable for any claims arising out of technical problems or malfunctions in connection with the Contest, including, without limitation, those arising in connection with any of the following occurrences that may affect the operation of the Contest: hardware or software errors; faulty computer, loss of telephone, cable, satellite, network, electronic, wireless, or Internet connectivity, or other online communication problems; errors or limitations of any Internet service providers, servers, hosts, or providers; garbled, jumbled, or faulty data transmissions; failure of any transmissions to be sent or received; lost, late, delayed, or intercepted transmissions; unauthorized human or non-human intervention in the operation of the contest, including without limitation, as a result of unauthorized tampering, hacking, theft, viruses, bugs, worms; or destruction of any aspect of the Contest. Entrants further agree that Releasees shall not be responsible for (i) lost, late, incomplete, illegible, indiscernible, or misdirected entries or for any typographical errors in the announcement of the prize or these Official Rules, (ii) any inaccurate or incorrect data contained on promotional materials, or (iii) any error in the administration of the Contest or announcement of the prize and/or all Contest-related materials. As a condition of entering, entrants agree (and agree to confirm in writing if requested by Sponsor): (a) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, indirect, special, exemplary, or consequential damages; and (b) that any and all claims, judgments, and award shall be limited to actual out-of-pocket costs incurred, excluding attorneys’ fees and court costs. If a entrant is a California resident, such entrant hereby waives California Civil Code Section 1542, which states, “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor.” CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE FOREGOING DISCLAIMERS, EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
8. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT A PARTICIPANT, TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THIS CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.
9. Sponsor’s Reservation of Rights If the Contest is not capable of running as planned for any reason, including without limitation, due to a force majeure event or infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Contest, Sponsor reserves the right, at its sole discretion, to disqualify any individual who is responsible or who tampers with the entry process or otherwise acts in violation of these Official Rules, and to cancel, modify, or terminate the Contest. In the event of cancellation, Sponsor reserves the right to award the prize in its discretion based on all eligible, non-suspect points awarded prior to cancellation. In the event that an entry is confirmed to have been erroneously deleted, lost or destroyed, entrant’s sole remedy shall be another entry into the Contest.
10. Governing Law and Jurisdiction All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, your rights and obligations, or the rights and obligations of the Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the laws of State of California, without giving effect to any choice of law or conflict of law rules. By entering, you consent to the jurisdiction and venue of the state and local courts located in Los Angeles County, California and the federal courts located in the Central District of California for the resolution of all disputes, and agree that any and all disputes shall be resolved exclusively in those courts. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. If any provision of these Official Rules is held to be invalid or unenforceable, such provision shall be struck, and the remaining provisions shall be enforced.
11. Privacy Any personally identifiable information collected during an entrant’s participation in the Contest will be collected by Sponsor or its designee and used by Sponsor for the proper administration and fulfillment of the Contest, as otherwise described in these Official Rules, and in accordance with the terms of RadPad’s privacy policy available at https://www.onradpad.com/privacy.
12. Winner’s List For the names of the winners, place a self-addressed, stamped business-sized envelope in an envelope and mail it to: RadPad Holdings, Inc., 5870 W. Jefferson Ave., Los Angeles, CA 90016. Requests must be received no later than sixty (60) days after the end of the Entry Period.
13. Sponsor RadPad Holdings, Inc., 5870 W. Jefferson Ave., Los Angeles, CA 90016.