Points Intervention: Personal vs. Business Credit Cards

Every week, I get a ton of reader e-mail from people asking for advice on how to maximize their points earning, whether it’s for personal use, business use or both. In this new Points Intervention series, I help individuals and small-business owners get their awards earning on track — just in time to take advantage…

Credit Card Strategies for Mortgage and Home Loan Applicants

Today, TPG Senior Points & Miles Correspondent Jason Steele looks at how the pursuit of travel rewards can impact your credit score, and ultimately your mortgage and other loan applications. Part of the bedrock of award travel is learning to take advantage of credit card sign-up bonuses. However, if you anticipate applying for a home mortgage or refinance,…

My Decision on which Credit Cards to Keep vs. Cancel

Each year I like to take inventory of my credit card portfolio by weighing the benefits of each card and weeding out the ones that aren’t providing enough value. There’s no shortage of new sign-up bonuses to earn, like the recently extended offer for the IHG Rewards Club Select Credit Card, or the big targeted offers for the Amex…

Your FICO Score and Which Credit Cards Offer It Free

Building a good credit score is important if you want to get approved for the best travel rewards cards. Today, TPG Contributor Richard Kerr explains the significance of your FICO score, and which credit cards can help you track it to better maintain your credit rating. After a Social Security number, a FICO credit score is perhaps the most important number assigned to Americans,…

Can I Earn Points on Credit Card Balance Transfers?

TPG reader Michelle sent me a message on Facebook to ask: “Do balance transfers between credit cards give you points, and if yes, which do you recommend?” Carrying credit card balances can be precarious, because any amount you pay in fees or interest can negate the value of the points and miles you earn, and it can damage your…

How Do I Keep Track of Credit Cards Payments and Due Dates?

TPG reader Steven messaged me on Facebook to ask: “Could you tell us how you manage your credit cards in terms of payment due dates and making sure you don’t miss a payment?” Maintaining a pristine credit score is crucial if you plan to get multiple credit cards in order to earn a lot of points…

Will a Lower Credit Limit Help Me Get Approved for Cards?

TPG reader Blake messaged me on Facebook to ask: “Do you ever recommend calling in to receive a lower credit limit than what is granted to you after an instant approval? Is it advantageous to keep limits lower to make room for more cards with the same bank?” I’ve got a huge amount of credit…

If I Just Got a New Credit Card, Can I Apply for Another?

TPG reader Luis tweeted me to ask: “@thepointsguy- I just got approved for a credit card. When can I apply for another one?” I’ve said it time and time again, but credit card bonuses are probably the most lucrative and easiest way to bring in tons of points and miles. A 60 second application online (and meeting spending…

Which Credit Cards Are Best for Building Credit?

TPG reader Martine asked me on Facebook: “I just completed paying off my consolidated debt and am looking to build my credit, if possible with some type of rewards credit card. My credit score is 694 with Transunion, but 744 with Experian.  Do you have any recommendations?” Maintaining a high credit score is critical if…

Should I Call if I Don’t Get Instant Credit Card Approval?

TPG reader Brian asked me on Facebook: “If my online credit card application isn’t approved instantly, is there any benefit to calling the reconsideration line right away rather than waiting until I receive a yes or no decision? Would it be better to wait and then call if the decision is no?” Applying for credit cards…