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How to score credit card points and have a high credit score

While applying for credit cards does typically ding your score, it’s not as bad as some people think. In fact, applying for credit cards (to take advantage of large signup bonuses) can actually have a positive effect on your credit score, when done correctly; trust me, I have the numbers to prove it. There’s a balance to be had between …

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How I’ve earned over $1K with the Chase Sapphire Preferred

175,965. That’s the total number of points I have earned on my Sapphire Preferred card since getting it two and a half years ago. While these points have a straight cash value of $1,759.65, with these points, I have paid for over $2,000 worth of international flights through converted airline miles. (I could say $6,000, but it’s so specifically for my …

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What’s in my wallet?

In order to talk about what I think good credit card management should look like, I think it’s only fair that I share what cards I currently carry with me. Why would anyone bother listening to what I have to say otherwise?

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A Beginner’s Guide to Credit Scores

A credit score is defined as a “number assigned to a person that indicates to lenders their capacity to repay a loan”. Basically, it’s a magical three-digit number that tells banks whether or not they should lend you money. This post is motivated by a recent article I read on the difficulties and reservation of our generation getting credit cards. It baffles …