Helping you and your family save money on your vacations to Disney and beyond
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!
I generally don’t like talking to human beings (preferring to do everything online), but if you’re applying for a lot of credit cards, eventually you are going to need to speak to a representative. This isn’t a necessarily a bad thing, as I’ll outline in the post below. Calling credit card reconsideration lines puts you in touch with people who can extend you credit (and thus approve you for new cards) when the computer algorithm dictates otherwise.
The biggest game changer for me when I realized I wanted to get into the points game was finding out I could apply for multiple credit cards and receive multiple bonuses at once. In this post, I’ll quickly review why that doesn’t hurt your credit score as much as you might think, and a general strategy for a multi-card application. This is a fairly long post, so feel free to check out the summary at the end, or just read the section titles.