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Please consider these tips before applying for a credit card…
- Be prepared to pay off your bill every month: The way to “win” this game is to pay your bill in full each month so that you never have any fees (other than mandatory annual fees).
- Make sure you can meet the minimum spend requirement: Most cards have high spend requirements in order to earn the signup bonus. Can you realistically put that much spend on the card? Also click here for spending tips.
- Keep track of all of your applications: I recommend using a spreadsheet to keep track of every credit card you signup for. To help you get started, I created a sample Google Docs Spreadsheet (found here). If you’d like to use it, open the spreadsheet, then make your own copy by clicking File… Make a Copy.