Good points earning credit cards always come with a catch: an annual fee. Obviously, once you have 4, 5, or 10 of these cards, it becomes unwise to pay for all of the annual fees. So you’ll need to do two things: decide what cards to cancel, and then actually cancel those cards to avoid the annual fee. Here’s how:
Miles and Points: A Volatile Currency
A quick illustration of why it’s foolhardy to hoard miles and points. Hilton just announced a major devaluation to points redemptions that you can read about here. The fact of the matter is, the points and miles that you earn are only as valuable as the companies that are giving them to you make them – and they can change that value at any time if they think they’re not making money.
Thus, the best strategy is to earn and burn points. I’m not saying don’t keep high mileage balances – just don’t hoard points. Otherwise you might end up sitting on a pile of points that are worth a lot less than you thought they were. Devaluations happen all the time, so don’t get too miserly with your points. Earn them and then get out there and have some fun!
Credit Card Application Strategy: Meeting Minimum Spending Requirements
If you’ve done an app-o-rama and have multiple spending requirements to meet in order to unlock bonuses, you might be feeling a little bit of stress. After all, you may have never applied for multiple cards on the same day before. If you’re feeling stressed, don’t fear – this post is here to help. And just as a reminder, you should not be messing around with these strategies unless you are paying your credit card bills off in full each month!
Using ITA Matrix to find flights: Newark to Istanbul RT for <$500
By the time I get this post up, this deal will probably be dead. But as of 2:21 PM EST on Thursday 1/31, you can fly round trip from Newark to Istanbul for $494 per person during President’s Week. There are sub 500 flights from Dulles and O’Hare as well, though not during President’s Week. I’m going to use this great flight deal for a tutorial on how to use ITA Matrix, my favorite flight search tool.
First order of business…
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