Credit Card Application Tips

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Please consider these tips before applying for a credit card…

  1. 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).
  2. 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.
  3. 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.
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