My Credit Score History | A Real Life Example of the Credit Score Impact

Tweet Today we open the doors wide on my credit score history so you can see how applying for multiple credit cards impacts your credit score. Because I really want to make it easy for you, I’m going to be transparent and list the cards I applied for between each application.  That way you can […]

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 […]

The Same Day Credit Card Applications Hack | A Strategy for Getting More Approvals

Tweet You may just be wanting to dip your toes in the water.  That’s fine.  However, what we’re going to talk about today is jumping right into the waters of free travel by getting approval for multiple credit card sign up bonuses. Those who have been doing applications for a long time know the value […]

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 […]

Consistently Capitalize on Credit Card Cancellation Offers

Tweet When you sign up for a credit card, you should know to expect a bonus to motivate you to get the card.  For the most part, there is no reason to sign up for a card unless it has a really attractive bonus. Still, you always need to be prepared for an offer when […]

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 […]

Free Flights May Be Moving Further Out of Reach for Stay at Home Parents

Tweet Everyone knows that the best way to collect frequent flyer miles is by taking advantage of the best credit card sign up bonuses.  In the last year, both my wife and I have accumulated thousands of dollars worth of free travel by strategically applying for (and getting accepted for) credit cards. As a working […]

The Best Way to Get A Free Credit Score – Credit Sesame

Tweet If you plan to play the free frequent flyer miles game and use the best airline credit cards to get bonus miles, you’ll need to track your credit score. To track your credit score, I’m currently recommending the free service provided by Credit Sesame. The score you get is not your FICO score. That […]

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 […]