Here’s a wild idea: What if you could open a bunch of credit cards, earn sign-up bonuses, and rake in rewards like free travel, cash back, and more? That’s what credit card churning is all about. You sign up for cards that offer big bonuses, meet the spending requirements, and get rewarded. It sounds like … Read more
Wouldn’t it be nice if you could avoid paying interest on your credit card forever? Well, you can—here’s how: first, always pay your balance in full before the due date. Credit card companies love to hit you with interest charges if you carry a balance. But if you clear your balance completely each month, you … Read more
Have a business or side hustle? It’s time to stop using regular credit cards and level up with business credit cards! These cards are designed for entrepreneurs, and guess what? They come with massive sign-up bonuses. For example, the Chase Ink Business Preferred card can give you 80,000 points after spending a certain amount in … Read more
Imagine being able to travel the world for free—sounds impossible, right? Well, it’s not if you know how to use credit card points. You see, every time you use a credit card that offers points or miles, you’re collecting a little treasure chest of travel rewards. First, find a card like the Chase Sapphire Preferred … Read more
Picture this: You’ve had your first credit card since you were 18, and now you’re 30. You’re thinking, “Why not cancel this old, unused card?” It seems harmless, right? Wrong! Canceling your oldest credit card can actually hurt your credit score. Here’s why: credit scores love credit history. The longer you’ve had a credit account, … Read more
Here’s the deal: no-annual-fee credit cards can be awesome, especially when they offer perks like cashback, travel rewards, and even discounts on dining. For example, the Citi Double Cash Card gives you 2% back—1% when you buy something and 1% when you pay it off. That’s money back in your pocket! Another great option is … Read more
Want to know the secret to getting an 800 credit score in less than a year? It’s not as hard as you think. I started by learning the credit score formula. Your score is based on a few key things: how much you owe, your payment history, the length of your credit history, and types … Read more
Here’s a fun fact: most people don’t know how to use credit cards properly. In fact, using them wrong could cost you a lot of money! For example, did you know that carrying a balance month to month costs you interest? And not just a little—credit card interest rates are super high! That’s like paying … Read more
Imagine getting a free vacation just for spending money on things you already buy. Sounds too good to be true, right? Well, in 2024, the best travel rewards credit cards can make that happen! Here’s how it works: you sign up for a credit card that gives you miles or points for every dollar you … Read more
Imagine being 20 years old, having zero credit history, and somehow getting approved for a $10,000 credit limit. Sounds impossible, right? Well, it’s not! Here’s how I did it. First, I knew I had to start small. So, I applied for a secured credit card. It’s like giving the bank a deposit, and they give … Read more