Zero Reasons Why You Shouldn’t Track Your Credit Score for Zero Dollars

Tweet In order to satisfy my own curiosity, I ask people if they know their credit score when they complete a credit card consult request. Probably just under half of the folks don’t know their credit score. If you read this blog (and ever plan to sign up for a credit card), I think it […]

Credit Score Update | How Multiple Credit Card Applications Impact Your Score

Tweet One of the biggest reasons people hesitate to use credit cards to earn free travel is because they want to vigilantly protect their credit score. For that reason, people ask how multiple credit card applications will impact their credit score. When I get an update on my FICO score, I’ve been updating the activity […]

Credit Score Analysis | Should a Credit Score Drop Cause You to Adjust Your Strategy?

Tweet When I talk with newbies about signing up for credit cards to get free/cheap/discounted travel, one of the hesitancies is the impact on a person’s credit score.  Since my quarterly FICO score was just updated, I want to use my own score to help us analyze what is happening, and discover the important lessons […]

5 Steps to Getting Approval for a Chase Credit Card [Even if You Were Denied]

Tweet The big promotion is finally over. I’ve had had a few follow up emails with people worried that they didn’t or won’t get approved.  In this post, I’ll give you a few tips to help give you the best possible chance of approval in case you didn’t get approved. 5 Steps for Getting a […]

When Should You Cancel Your Credit Card?

Tweet If you sign up for credit cards in order to get the sign up bonus, you’ll likely hold on to a card for about a year and then call to cancel the card.  Ultimately, the question is: when should you pull the trigger on the cancellation? No Annual Fee Credit Card Cancellation If the […]

How does applying for multiple credit cards impact your credit score?

Tweet Over the last several weeks, I’ve written about some generous credit card sign up bonuses.  In fact, I applied for the 75,000 bonus point AAdvantage card and the 30,000 Starwood bonus (expired). However, as a personal finance blogger, I thought we should get a post on Help Me Travel Cheap that addresses credit scores […]