/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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	<nav id="breadcrumb"><a href="https://baghdadtime.com/"><span class="tie-icon-home" aria-hidden="true"></span> Home</a><em class="delimiter">/</em><a href="https://baghdadtime.com/category/finance/">Finance</a><em class="delimiter">/</em><span class="current">BaghdadTime&#8217;s Best Credit Card Tips for October 2021</span></nav><script type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"BreadcrumbList","@id":"#Breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"item":{"name":"Home","@id":"https:\/\/baghdadtime.com\/"}},{"@type":"ListItem","position":2,"item":{"name":"Finance","@id":"https:\/\/baghdadtime.com\/category\/finance\/"}}]}</script>
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		<h1 class="post-title entry-title">BaghdadTime&#8217;s Best Credit Card Tips for October 2021</h1>

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<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">You probably have a distinct 5% card, just like the </span><span class="_2GMChG _3-to_p">$0</span><span class="_2GMChG _3-to_p">-annual-fee </span><span class="_2GMChG _3-to_p">Uncover it® Money Again</span><span class="_2GMChG _3-to_p"> or </span><span class="_2GMChG _3-to_p">$0</span><span class="_2GMChG _3-to_p">-annual-fee </span><span class="_2GMChG _3-to_p">Chase Freedom Flex℠</span><span class="_2GMChG _3-to_p">, don’t overlook to </span><span class="_2GMChG _3-to_p">activate your spending classes for the quarter</span><span class="_2GMChG _3-to_p">. Relying on the place you store, you possibly can earn elevated rewards on Halloween-related purchases. As an illustration, within the fourth quarter of 2021, the </span><span class="_2GMChG _3-to_p">Uncover it® Money Again</span><span class="_2GMChG _3-to_p"> earns 5% again on as much as $1,500 spent at Walmart.com, Goal.com and Amazon.com and 1% on every part else. Throughout that very same window, the </span><span class="_2GMChG _3-to_p">Chase Freedom Flex℠</span><span class="_2GMChG _3-to_p"> earns 5% on as much as $1,500 spent at Walmart and through PayPal. It additionally earns rewards in different classes.</span></p>
</div>
<div>
<div>
<div class="FTDQoV _3Zv2_p">
<div class="OE0NEO fyWLSM _31LNO1 Ch_54P" style="max-width:140px">
<figure class="uw0rbR mvPhHZ">
<div class="_1HYyMh" style="background-color:transparent">
<div class="_2iCcdi _1hOZ19"><img decoding="async" alt="Chase Freedom Flex" class="_1v82kl" src="https://www.nerdwallet.com/cdn-cgi/image/width=1800,quality=85/cdn/images/marketplace/credit_cards/33ee088c-f6bb-11ea-8bc1-3f958c527fba/9dacf16bb533669a8781f403e54dc3a5a68405fc1bfce38fda34f3bd4d5c67ec.jpg"/></div>
</div>
</figure>
<div class="mvPhHZ"><span class="_2TVGar _226ose">BaghdadTime score <button type="button" aria-expanded="false" aria-controls="article-client-16-1" aria-haspopup="dialog" class="_1EW4v_" title="How is this rating determined?"><span class="rTaFN5" aria-hidden="true"/><svg viewbox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"/></svg></button><span id="article-client-16-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="-LN1zx _2FzJPP" aria-label="How is this rating determined?"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;top:100%" class="OFIpCG _38dR_u" aria-hidden="true"/><span>BaghdadTime&#8217;s rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard&#8217;s charges, charges, rewards and different options.</span></span></span></div>
<p><span class="_23_GlS _3Rmqs8 TRjZgg _2GMChG _2evdeZ">Be taught Extra</span></p>
</div>
</div>
</div>
</div>
<div class="FTDQoV">
<p><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG" data-currency="Text">Nerdy tip: </span><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _3-to_p"><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _3-to_p">Whereas Chase&#8217;s bonus classes this quarter are Walmart and PayPal, purchases made at Walmart utilizing PayPal will earn a complete of 5% money again. Sadly for cardholders, there is not any double-dipping.</span></span></span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Assess your funds earlier than the vacations</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For those who haven’t been setting apart cash for the vacations all yr lengthy, evaluate your price range and make a plan. Assess the well being of your bank cards by reviewing statements and ongoing balances. With bank card debt, you’ll want an exit technique in place to stop vacation spending from derailing your objectives.</span></p>
</div>
<div>
<div>
<div class="FTDQoV _3Zv2_p">
<div class="OE0NEO fyWLSM _31LNO1 Ch_54P" style="max-width:140px">
<figure class="uw0rbR mvPhHZ">
<div class="_1HYyMh" style="background-color:transparent">
<div class="_2iCcdi _1hOZ19"><img decoding="async" alt="Wells Fargo Reflect Card" class="_1v82kl" src="https://www.nerdwallet.com/cdn-cgi/image/width=1800,quality=85/cdn/images/marketplace/credit_cards/855541f2-09c7-11ec-b9f9-9b7d4865316d/8e4647fc236893601700e5faff264a9e55ac888642a11d1989e5ce6681985d0b.jpg"/></div>
</div>
</figure>
<div class="mvPhHZ"><span class="_2TVGar _226ose">BaghdadTime score <button type="button" aria-expanded="false" aria-controls="article-client-20-1" aria-haspopup="dialog" class="_1EW4v_" title="How is this rating determined?"><span class="rTaFN5" aria-hidden="true"/><svg viewbox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"/></svg></button><span id="article-client-20-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="-LN1zx _2FzJPP" aria-label="How is this rating determined?"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;top:100%" class="OFIpCG _38dR_u" aria-hidden="true"/><span>BaghdadTime&#8217;s rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard&#8217;s charges, charges, rewards and different options.</span></span></span></div>
<p><span class="_23_GlS _3Rmqs8 TRjZgg _2GMChG _2evdeZ">Be taught Extra</span></p>
</div>
</div>
</div>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">With an excellent FICO credit score rating of 690 or larger, think about a </span><span class="_2GMChG _3-to_p">0% intro APR stability switch bank card</span><span class="_2GMChG _3-to_p"> in your get-out-of-debt plan. A card like the brand new </span><span class="_2GMChG _3-to_p">Wells Fargo Replicate℠ Card</span><span class="_2GMChG _3-to_p"> can supply a </span><span class="_2GMChG _3-to_p">0% intro APR for 18 months from account opening on purchases and qualifying stability transfers, after which an ongoing APR of 12.99%-24.99% Variable APR. Intro APR extension of as much as 3 months with on-time minimal funds in the course of the intro and extension durations.</span><span class="_2GMChG _3-to_p"> It has a 3% charge for balances transferred inside 120 days of opening the account, and after that it’s a 5% charge or a minimal of $5. Relying on the debt-payoff date, you’ll have to find out whether or not it’s price paying this charge to economize on curiosity over time.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For those who’re struggling to make funds and have less-than-ideal credit score, discover whether or not a </span><span class="_2GMChG _3-to_p">debt administration plan</span><span class="_2GMChG _3-to_p"> by an accredited nonprofit credit score counseling company is best for you.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Make the most of the bonus-friendly season</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">With out debt, October is a superb time to take stock of bank cards and decide whether or not they nonetheless align along with your spending habits. As an illustration, in the event you’ve in the reduction of on eating out, a bank card that earns rewards in that class might not be as helpful. If including a brand new bank card to your pockets is smart, the bonus-friendly season can supply money again, factors or miles towards vacation prices, an emergency fund, journey or one thing else.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Rewards bank cards usually supply a three-month window to fulfill sign-up bonus necessities. By getting a bank card in October and utilizing it for on a regular basis bills and vacation purchases, it may be simpler to snag the bonus.</span></p>
</div>
<div>
<div>
<div class="FTDQoV _3Zv2_p">
<div class="OE0NEO fyWLSM _31LNO1 Ch_54P" style="max-width:140px">
<figure class="uw0rbR mvPhHZ">
<div class="_1HYyMh" style="background-color:transparent">
<div class="_2iCcdi _1hOZ19"><img decoding="async" alt="Chase Sapphire Preferred Credit Card" class="_1v82kl" src="https://www.nerdwallet.com/cdn-cgi/image/width=1800,quality=85/cdn/images/marketplace/credit_cards/7dce19da-5d96-4502-9fd2-70ff9655f13a/d82d2c88a684fb0591d07e208ecec733943643a4b700e03f880de204d257c790.jpg"/></div>
</div>
</figure>
<div class="mvPhHZ"><span class="_2TVGar _226ose">BaghdadTime score <button type="button" aria-expanded="false" aria-controls="article-client-27-1" aria-haspopup="dialog" class="_1EW4v_" title="How is this rating determined?"><span class="rTaFN5" aria-hidden="true"/><svg viewbox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"/></svg></button><span id="article-client-27-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="-LN1zx _2FzJPP" aria-label="How is this rating determined?"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;top:100%" class="OFIpCG _38dR_u" aria-hidden="true"/><span>BaghdadTime&#8217;s rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard&#8217;s charges, charges, rewards and different options.</span></span></span></div>
<p><span class="_23_GlS _3Rmqs8 TRjZgg _2GMChG _2evdeZ">Be taught Extra</span></p>
</div>
</div>
</div>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The </span><span class="_2GMChG _3-to_p">$95</span><span class="_2GMChG _3-to_p">-annual-fee </span><span class="_2GMChG _3-to_p">Chase Sapphire Most popular® Card</span><span class="_2GMChG _3-to_p">, as an example, has a wholesome introductory supply: </span><span class="_2GMChG _3-to_p">Earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $750 towards journey if you redeem by Chase Final Rewards®.</span><span class="_2GMChG _3-to_p"> The cardboard additionally earns 5 factors per greenback spent on journey bought by Chase Final Rewards®; 3 factors per greenback on eating, choose streaming companies and on-line grocery retailer purchases; 2 factors per greenback spent on journey booked exterior of Chase Final Rewards®; and 1 level per greenback spent on all different purchases.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Rack up rewards with fall lodge offers</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">It isn&#8217;t unusual for inns to supply discounted charges or incentives in the course of the fall months. Whether or not you’re on the lookout for a weekend getaway or planning future vacation journey, store round for the very best supply. Listed below are just a few offers to think about:</span></p>
</div>
<div class="FTDQoV">
<ul data-currency="List" class="_33E9q6">
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Hilton Honors inns:</span></span><span class="_2GMChG _3-to_p"> By Dec. 31, 2021, Hilton Honors AmEx cardholders can earn 3 bonus factors on each keep, on high of the rewards they already earn with their bank card. With out a bank card, Hilton Honors members earn 2 bonus factors on each keep. To qualify, it&#8217;s a must to </span><span class="_2GMChG _3-to_p">register</span><span class="_2GMChG _3-to_p"> earlier than reserving a keep. Phrases apply.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Marriott Bonvoy inns:</span></span><span class="_2GMChG _3-to_p"> By Dec. 12, 2021, members of the Marriott Bonvoy program can obtain 1,500 bonus factors on stays worldwide. By Nov. 28, 2021, members can get 3,000 further factors for stays at All-Inclusive by Marriott Bonvoy. To qualify for both supply, you could </span><span class="_2GMChG _3-to_p">register</span><span class="_2GMChG _3-to_p"> earlier than reserving. Phrases apply. These factors are along with these earned with a </span><span class="_2GMChG _3-to_p">Marriott Bonvoy bank card</span><span class="_2GMChG _3-to_p">.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">IHG inns and resorts:</span></span><span class="_2GMChG _3-to_p"> By Dec. 31, 2021, IHG members can earn 2 bonus factors on a second keep and three bonus factors on a 3rd keep. With an IHG Rewards Membership bank card, you may earn a further 3,000 bonus factors on a second keep and a further 3,000 on a 3rd keep. Phrases apply.</span></p>
</div>
</li>
</ul>
</div>
<div>
<div>
<div class="FTDQoV _3Zv2_p">
<div class="OE0NEO fyWLSM _31LNO1 Ch_54P" style="max-width:140px">
<figure class="uw0rbR mvPhHZ">
<div class="_1HYyMh" style="background-color:transparent">
<div class="_2iCcdi _1hOZ19"><img decoding="async" alt="Capital One Venture Rewards Credit Card" class="_1v82kl" src="https://www.nerdwallet.com/cdn-cgi/image/width=1800,quality=85/cdn/images/marketplace/credit_cards/1fc99a80-1508-4e14-83d7-eb5d5da65d97/3f7bbdd358bea4a71962b6e525795f0983b8c321f0ba8c1010303b9ecb020406.jpg"/></div>
</div>
</figure>
<div class="mvPhHZ"><span class="_2TVGar _226ose">BaghdadTime score <button type="button" aria-expanded="false" aria-controls="article-client-34-1" aria-haspopup="dialog" class="_1EW4v_" title="How is this rating determined?"><span class="rTaFN5" aria-hidden="true"/><svg viewbox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"/></svg></button><span id="article-client-34-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="-LN1zx _2FzJPP" aria-label="How is this rating determined?"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;top:100%" class="OFIpCG _38dR_u" aria-hidden="true"/><span>BaghdadTime&#8217;s rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard&#8217;s charges, charges, rewards and different options.</span></span></span></div>
<p><span class="_23_GlS _3Rmqs8 TRjZgg _2GMChG _2evdeZ">Be taught Extra</span></p>
</div>
</div>
</div>
</div>
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">With out a lodge bank card, you may nonetheless gather rewards by enrolling in a lodge’s loyalty program without spending a dime. Reserving your stick with a common journey bank card or a cash-back bank card for much more rewards. A journey bank card just like the </span><span class="_2GMChG _3-to_p">$95</span><span class="_2GMChG _3-to_p">-annual-fee </span><span class="_2GMChG _3-to_p">Capital One Enterprise Rewards Credit score Card</span><span class="_2GMChG _3-to_p"> can get you 2 miles per greenback spent on all purchases and 1 mile per greenback spent on every part else.</span></p>
</div>
</div>
<p><a href="https://www.nerdwallet.com/article/credit-cards/nerdwallets-best-credit-card-tips-for-october-2021">Source link </a></p>

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				<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">November 2, 2021</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 28 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 5 minutes read</span> </div></div><!-- .post-meta -->
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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2021-11-02T16:36:25+00:00","datePublished":"2021-11-02T16:36:25+00:00","dateModified":"2021-11-02T16:36:25+00:00","headline":"BaghdadTime&#8217;s Best Credit Card Tips for October 2021","name":"BaghdadTime&#8217;s Best Credit Card Tips for October 2021","keywords":"BaghdadTimes,Card,Credit,October,Tips","url":"https:\/\/baghdadtime.com\/baghdadtimes-best-credit-card-tips-for-october-2021\/","description":"October is the gateway to the vacation season. The primary few weeks are typically the calm earlier than a storm of nonstop buying, journey and festivities.By taking the time proper now to make use of","copyrightYear":"2021","articleSection":"Finance","articleBody":"October is the gateway to the vacation season. The primary few weeks are typically the calm earlier than a storm of nonstop buying, journey and festivities.By taking the time proper now to make use of a technique in your bank cards, you may keep true to monetary objectives, like paying down debt and scoring good offers on purchases. Listed below are some bank card strikes to make this month for added worth.Give your self a Halloween deal withBaghdadTime score\u00a0BaghdadTime's rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard's charges, charges, rewards and different options.Be taught ExtraThis yr, shoppers plan to spend $102.74 per particular person on Halloween, in response to the Nationwide Retail Federation\u2019s annual survey performed by Prosper Insights &amp; Analytics.\u00a0For those who\u2019re in that class, you may wave the best bank card like a wand for some bewitching incentives on costumes, decorations or sweet.With a bank card just like the $0-annual-fee\u00a0Citi Customized Money\u2120 Card, you possibly can earn 5% in a high spending class from a listing of 10 choices (together with grocery shops and drug shops).\u00a0Pair the rewards bank card with a cash-back app, like Ibotta or Rakuten, for much more rewards.BaghdadTime score\u00a0BaghdadTime's rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard's charges, charges, rewards and different options.Be taught ExtraYou probably have a distinct 5% card, just like the $0-annual-fee\u00a0Uncover it\u00ae Money Again or $0-annual-fee\u00a0Chase Freedom Flex\u2120, don\u2019t overlook to activate your spending classes for the quarter. Relying on the place you store, you possibly can earn elevated rewards on Halloween-related purchases. As an illustration, within the fourth quarter of 2021, the Uncover it\u00ae Money Again earns 5% again on as much as $1,500 spent at Walmart.com, Goal.com and Amazon.com and 1% on every part else. Throughout that very same window, the Chase Freedom Flex\u2120 earns 5% on as much as $1,500 spent at Walmart and through PayPal. It additionally earns rewards in different classes.BaghdadTime score\u00a0BaghdadTime's rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard's charges, charges, rewards and different options.Be taught ExtraNerdy tip: Whereas Chase's bonus classes this quarter are Walmart and PayPal, purchases made at Walmart utilizing PayPal will earn a complete of 5% money again. Sadly for cardholders, there is not any double-dipping.Assess your funds earlier than the vacationsFor those who haven\u2019t been setting apart cash for the vacations all yr lengthy, evaluate your price range and make a plan. Assess the well being of your bank cards by reviewing statements and ongoing balances. With bank card debt, you\u2019ll want an exit technique in place to stop vacation spending from derailing your objectives.BaghdadTime score\u00a0BaghdadTime's rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard's charges, charges, rewards and different options.Be taught ExtraWith an excellent FICO credit score rating of 690 or larger, think about a 0% intro APR stability switch bank card\u00a0in your get-out-of-debt plan. A card like the brand new Wells Fargo Replicate\u2120 Card can supply a 0% intro APR for 18 months from account opening on purchases and qualifying stability transfers, after which an ongoing APR of 12.99%-24.99% Variable APR. Intro APR extension of as much as 3 months with on-time minimal funds in the course of the intro and extension durations. It has a 3% charge for balances transferred inside 120 days of opening the account, and after that it\u2019s a 5% charge or a minimal of $5. Relying on the debt-payoff date, you\u2019ll have to find out whether or not it\u2019s price paying this charge to economize on curiosity over time.For those who\u2019re struggling to make funds and have less-than-ideal credit score, discover whether or not a debt administration plan by an accredited nonprofit credit score counseling company is best for you.Make the most of the bonus-friendly seasonWith out debt, October is a superb time to take stock of bank cards and decide whether or not they nonetheless align along with your spending habits. As an illustration, in the event you\u2019ve in the reduction of on eating out, a bank card that earns rewards in that class might not be as helpful. If including a brand new bank card to your pockets is smart, the bonus-friendly season can supply money again, factors or miles towards\u00a0vacation prices, an emergency fund, journey or one thing else.Rewards bank cards usually supply a three-month window to fulfill sign-up bonus necessities. By getting a bank card in October and utilizing it for on a regular basis bills and vacation purchases, it may be simpler to snag the bonus.BaghdadTime score\u00a0BaghdadTime's rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard's charges, charges, rewards and different options.Be taught ExtraThe $95-annual-fee Chase Sapphire Most popular\u00ae Card, as an example, has a wholesome introductory supply: Earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $750 towards journey if you redeem by Chase Final Rewards\u00ae. The cardboard additionally earns 5 factors per greenback spent on journey bought by Chase Final Rewards\u00ae; 3 factors per greenback on eating, choose streaming companies and on-line grocery retailer purchases; 2 factors per greenback spent on journey booked exterior of Chase Final Rewards\u00ae; and 1 level per greenback spent on all different purchases.Rack up rewards with fall lodge offersIt isn't unusual for inns to supply discounted charges or incentives in the course of the fall months. Whether or not you\u2019re on the lookout for a weekend getaway or planning future vacation journey, store round for the very best supply. Listed below are just a few offers to think about:Hilton Honors inns: By Dec. 31, 2021, Hilton Honors AmEx cardholders can earn 3 bonus factors on each keep, on high of the rewards they already earn with their bank card. With out a bank card, Hilton Honors members earn 2 bonus factors on each keep. To qualify, it's a must to register earlier than reserving a keep. Phrases apply.Marriott Bonvoy inns: By Dec. 12, 2021, members of the Marriott Bonvoy program can obtain 1,500 bonus factors on stays worldwide. By Nov. 28, 2021, members can get 3,000 further factors for stays at All-Inclusive by Marriott Bonvoy. To qualify for both supply, you could register earlier than reserving. Phrases apply. These factors are along with these earned with a Marriott Bonvoy bank card.IHG inns and resorts: By Dec. 31, 2021, IHG members can earn 2 bonus factors on a second keep and three bonus factors on a 3rd keep. With an IHG Rewards Membership bank card, you may earn a further 3,000 bonus factors on a second keep and a further 3,000 on a 3rd keep. Phrases apply.BaghdadTime score\u00a0BaghdadTime's rankings are decided by our editorial crew. The scoring components takes into consideration the kind of card being reviewed (akin to money again, journey or stability switch) and the cardboard's charges, charges, rewards and different options.Be taught ExtraWith out a lodge bank card, you may nonetheless gather rewards by enrolling in a lodge\u2019s loyalty program without spending a dime. Reserving your stick with a common journey bank card or a cash-back bank card for much more rewards. A journey bank card just like the $95-annual-fee Capital One Enterprise Rewards Credit score Card can get you 2 miles per greenback spent on all purchases and 1 mile per greenback spent on every part else.\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/baghdadtimes-best-credit-card-tips-for-october-2021\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/11\/GettyImages-12893037351-e1633451952415-1440x864.jpg","width":1440,"height":864}}</script>
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			<a aria-label="What Is a Mortgage Broker? 4 Questions to Ask Before Using One" href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/" class="post-thumb"><span class="post-cat-wrap"><span class="post-cat tie-cat-27">Finance</span></span><img width="390" height="220" src="https://baghdadtime.com/wp-content/uploads/2024/04/GettyImages-1218141687.jpg-working-with-mortgage-broker-1440x864-390x220.jpg" class="attachment-jannah-image-large size-jannah-image-large wp-post-image" alt="" decoding="async" loading="lazy" /></a>		</div><!-- post-alignleft /-->
	
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		<a class="post-title the-subtitle" href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/">What Is a Mortgage Broker? 4 Questions to Ask Before Using One</a>

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			<span class="date meta-item tie-icon">April 7, 2024</span>		</div>
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