I was told to hate credit cards. Now I have a total of 8. I have a really good credit score while rotating my credit cards and ALWAYS keeping 0 balance. It all comes down to education, focus, discipline and good habits. For people that have really bad impulse buying issues, I would recommend caution. Great Video Tutorial!
You’re right, I just hate the credit score system in general. It’s a system designed to keep you in debt and with the little education given about credit cards in schools it’s not hard to see how people find themselves drowning in debt. Yes they might be at fault personally but the system isn’t great either
this has been the clearest video i've seen on the subject so far. I really appreciate you walking us step by step! i can't wait to try this when corona is over!
Erika Kullberg - Personal Finance Tips I loved it so much. I only realized you live in Tokyo after I left my comment. What are you doing there if you don’t mind me asking? From your mug I’m assuming you went to Georgetown for law?
Erika Kullberg - A Lawyer's Personal Finance Tips thanks for the thorough response, always cool to learn about someone else’s life. I’ve lived in Northern Virginia for a while now, since 13. I went to Tokyo and South Korea this year for about 3 weeks each, really enjoyed both but I see myself being in japan if I didn’t have to work their insane hours. Currently a software engineer and trying my hand at TH-cam. I’ll see where it goes. Your videos are solid and the editing great. Keep it up and stay in touch. Feel free to reach me at my email which is on my channel. Cheers
Thank you for the video. I saw someone else talk about how you can leverage credit cards to travel and I'm interested in getting started. What I like about your video is that you actually listed examples on how you can plan a trip and decide if you want to pay cash or use points. I currently only have one card which I've had for years and basically use it to accumulate points to buy Christmas Gifts for my kids but I think now I'm interested in taking it to the next level and use to travel.
This video was so helpful. People brag about travel hacking, but won't usually go into such detail as you have here. Thank you so much, this guves me confidence to finally try my hand at CCs w/points.
Great content and I love the calculations! As a side note for those in Europe, with most flight carriers your best value comes with upgrades from Economy to Business Class. This is especially true for trans Atlantic flights.
Hey Kai - right on 👊 Those international flights in premium cabins can give awesome value for points / miles 😃✈️ Which cards are you using most regularly?
This has been very helpful.. Thanks a bunch, love how you break down your POV, am guessing the judges in your cases really understand where you're coming from👌😊💯🎯 Fan from Uganda 🇺🇬
I had no idea about the length of open credit cards affecting your credit! We use the Chase Sapphire card for everything! Looking forward to more financial tips! New subbie here!
Loved the personal breakdown of points vs. dollars. This is my struggle with my CS Preferred card. Something in my spirit just doesn't sit right with paying more in the portal vs. in cash. Usually, I judge it off a $100 difference but this is a better strategy. I've been considering my next card so I took tons of notes. Thank you!!
This is such a thorough explanation! This year I got the venture, and 2 chase ink business cards and just booked Hawaii + Japan for free! Also thought I had subscribed and needa binge your vids
My problem with this strategy is two. First with airlines, I typically do not know which airlines would offer the best deal. So you may start accumulating points on united to exchange for a $1000 ticket, then Philippines airline comes in and offer a $700 flight. So you end up not using those points. When using points for hotel, usually only high end hotels allow that. I usually just stay in cheaper or boutique hotels which are cheaper. So in the end I find myself spending less if I buy ticket and hotels with cash and using points as statement credits than to use the points directly to purchase.
I've been doing this for yearsss. I didn't know it had a name. 😅. But as you explained clearly...BE DISCIPLINED! If debt is created, you're doing it wrong. Thanks for your insights.🤗
Awesome example of how being financially responsible with credit cards and finances can reward you BIG TIME! We do the same in our household. EVERY expenses go on the credit card we share to get more points. We love traveling, so getting more points for us is a big deal.
One more thing. I save my points for flights that I’m not sure if I have to cancel. If you cancel with points you just get your points back. If you buy a flight you might not be able to cancel and get your money back. Great video! I learned a lot!
Great video, one of the best that I have seen thoroughly explaining not only the topic but strategy as well breaking down the cost analysis of when to use points rather than cash. My question is could you explain more how to close cards when your churning credit cards without it affecting the length of your credit card history?
Thank you! The best way when you can is to downgrade the card. Also for the credit card history, this is why you always want your first card to be one with no annual fee--because you'll want to keep it open forever (since that will serve as your credit card that you've had open the longest)
Thank you for making this video !!!! I want to start traveling more next year and I want to know what the best credit card is for me ! Now I’m set to apply for a new card ! 🥰
I like how meticulously you track your spending/savings. Also, that you emphasize taking advantage of your day-to-day expenses with the card that offers the best deal. Where are you planning on traveling next?
This is an excellent video because your explanation of travel hacking is comprehensive. So much so that I shared your video with friends. Thank you for producing this!
If you look at ticket prices, then compare with other airlines, if you go back to the ticket you like, they are now charging more, bc they know you want it % will probably pay more.
LOOOVEEED THE VIDEO!!!! I am new to Credit cards and really want to make use of this. Could you create more credit card videos(a playlist) with videos such as best credit cards for beginners(to cc and travel hacking), I have read the descrip and seen this but I'd love to see a more in-depth video on this as well as other credit cards (with travel points of course) that work in Europe (UK, Spain etc)(west) Thanks!
YAY! I'm so glad you liked it!! Will definitely try to put out more credit card videos! :) I'm unfortunately not familiar with what works in Europe. Is that where you're based?
Finally the first! and Only step by step of travel partners. I always get so confused at this point. Thank YOUUUU! Do you maximize hotel stays with cards?
Hey Linda! Regarding your question above, were you referring to using a hotel-specific card to earn more points at a particular chain? Or something else? 😃✈
@@MarkReese yes! I went pretty hard haha chase sapphire preferred and chase sapphire reserve (I did the mdd), United Explorer Business card, and just got the Amex platinum last week. Hit the SUBs on the first three. Working on the platinum now
@@MarkReese mdd is the “modified double dip”. It’s a work around to be able to get the chase sapphire preferred and chase sapphire reserve at the same time. You apply for one card and 24 hours after the first card is approved, you apply for the second card. This bypasses chases one sapphire rule
Great tips and hacks..I didint know this hack when I had a chase freedom credit card not that I use it for flights but just dinning out,but its good to know,I'm planning on taking my possible first flight next summer to Orlando great vid.
Nice! that's a lot of free money. I'm nowhere close to that but did get a Capital One Venture a few months ago and already got enough points for flights for the family to Cayman Islands (for vacation, not for hiding money...LOL)
Question: I had the impression that if you are constantly getting new cards and then canceling them (temporary cards as you call them) it can have a negative impact on your credit. What are your thoughts on this?
Erika can you book me a flight using your point for a total stranger really need the help to get home had a return ticket from Antigua to Jamaica but did put a pass on my ticket because I wasn’t ready to leave and that cost me to lose my ticket reply if you want to help the airline is Caribbean airline
Please do if you can would really appreciate it because I really don’t have the money to buy a one way ticket really broke have been here to months and no job as yet so I really want to go
Hi Erika! Just a question - how does it impact your credit score when you have a lot of temporary cards? Wondering because I don't like having too many inquiries dragging my score down.
Yes, I have the same question. I had the impression that if you are constantly getting new cards and then canceling them it can have a negative impact on your credit. I'd love to hear Erika's response to this!
In the last example it just didn't make sense to do all that and then still have to pay cash cuz the points were not enough. But I totally understand why you would want to travel sign up bonus points. I like my cash back cards. I just redeem them straight to my account bank account and then transfer them to my money market account for compound interest. That's the easier for me. If I can't buy the ticket cash then I prefer not to spend on a trip. Although, the sign up bonus really was a good tip. As long as the bonus itself can cover for the flight I need and or offset my out of pocket expense. :)
U can literally pay rent with ur credit card and u can get that sign up bonus in 2 months especially ij California. My rent is $2k+ and paid using credit card and paid it back immediately using my debit card and got 60k points easily
Hi Erika I just found your channel! Great videos I live in Europe, Netherlands so not everything is applicable here but it’s worth to check it out. I was curious about why you even care about the value per point. I mean why would you spend 500$ if you can just throw in your points? Am I missing something or is it just a personal decision because you will rather use them on something else then? Thanks a lot :)
Hi Marvin, Thank you for watching the video! I love the Netherlands--I've been there once and hope to go back. Good question. I think value per point is just a personal decision, because I want to make sure I'm "spending" the points wisely, so that I have enough there when I REALLY need them. Example: I had to go to a funeral last year, and of course I had less than 1 day notice. When you're buying flights for cash with 1 day notice, they are usually SO expensive because airlines take advantage of people who are in a pinch and need last minute flights. I think the flights were $500 each way (when they are usually $100 each way). But, I looked at what it would cost for points, and it was the same price is always is for points. So, I used the points. If I didn't have enough points saved up because I'd been using them all without having this "points value system", I would've had to pay $500 cash. Does that explanation kind of make sense? Sorry, a bit hard to explain.
I was told to hate credit cards. Now I have a total of 8.
I have a really good credit score while rotating my credit cards and ALWAYS keeping 0 balance. It all comes down to education, focus, discipline and good habits.
For people that have really bad impulse buying issues, I would recommend caution.
Great Video Tutorial!
Hey there - well said, and congrats on breaking the old mindset to build up an 8-card setup for yourself! 😃💯 Which cards get the most use?
You’re right, I just hate the credit score system in general. It’s a system designed to keep you in debt and with the little education given about credit cards in schools it’s not hard to see how people find themselves drowning in debt. Yes they might be at fault personally but the system isn’t great either
@@alisf12 your cute
@@vacationboyvideos *you’re
@@alisf12 u wrote me? 😍 Thank u, u can correct me anyday!😍
this has been the clearest video i've seen on the subject so far. I really appreciate you walking us step by step! i can't wait to try this when corona is over!
Hey Zoe! Did you get any new cards w/ big bonuses this year to save up for a post-corona trip? 😃✈
Did you try it yet?
I meet my minimum spend by dropping it on Hennessy shots at the club the night before I board my free flight Tokyo. True story.
Erika Kullberg - Personal Finance Tips I loved it so much. I only realized you live in Tokyo after I left my comment. What are you doing there if you don’t mind me asking? From your mug I’m assuming you went to Georgetown for law?
Erika Kullberg - A Lawyer's Personal Finance Tips thanks for the thorough response, always cool to learn about someone else’s life. I’ve lived in Northern Virginia for a while now, since 13. I went to Tokyo and South Korea this year for about 3 weeks each, really enjoyed both but I see myself being in japan if I didn’t have to work their insane hours. Currently a software engineer and trying my hand at TH-cam. I’ll see where it goes. Your videos are solid and the editing great. Keep it up and stay in touch. Feel free to reach me at my email which is on my channel. Cheers
@@MihadAlzayat shut up simp
This is totally something I’d do 😂😂
😂😂😂 brilliant
I have not paid for travel in over FOUR YEARS because of those sweet, sweet credit card points. Totally agree!
Same here Kevin, we've already booked hotels and flights next summer to Vancouver and Honolulu. Flights and hotels all free!
@@Erika2 The Hilton at Waikiki Beach!
@@Erika2 Love maxing out those Hilton Honors points!
@@TheGoldenAgeofHardRock which cc you have ty.
Thank you for the video. I saw someone else talk about how you can leverage credit cards to travel and I'm interested in getting started. What I like about your video is that you actually listed examples on how you can plan a trip and decide if you want to pay cash or use points. I currently only have one card which I've had for years and basically use it to accumulate points to buy Christmas Gifts for my kids but I think now I'm interested in taking it to the next level and use to travel.
I seriously love your honesty and transparency. Your advice is solid! Thanks erika
Hey Michelle! Since watching Erika's video earlier this year, did you decide to get any new credit cards to save up points for a future trip? 😃✈
The examples were great and the timestamps to skip to the more advanced skills were helpful! Thank you!
Hey there! Did you get any new cards w/ large bonuses in 2021? 😃✈
I currently have 16 credit cards. It's a super fun hobby.
Haha, that's amazing! You have me beat!! I guess that's why you're my go to for credit card advice :)
This is DEEP!! I love it. I am wanting to do more international and domestic flights
This video was so helpful. People brag about travel hacking, but won't usually go into such detail as you have here.
Thank you so much, this guves me confidence to finally try my hand at CCs w/points.
Great content and I love the calculations! As a side note for those in Europe, with most flight carriers your best value comes with upgrades from Economy to Business Class. This is especially true for trans Atlantic flights.
Hey Kai - right on 👊 Those international flights in premium cabins can give awesome value for points / miles 😃✈️ Which cards are you using most regularly?
This is still the best and most succinct tutorial. Kudos!
I have heard these concepts before but your clarification was the best
This was super helpful
Amazing! Best video ive seen on this topic.
Thank you very much for your time and posting. Every teenager should watch this.
This has been very helpful.. Thanks a bunch, love how you break down your POV, am guessing the judges in your cases really understand where you're coming from👌😊💯🎯 Fan from Uganda 🇺🇬
You’re into the credit card game too! 😄🙌✈️💳 Great video!
Legit?? I bought a cc from *Ericroboti* on telegram best Vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps
I had no idea about the length of open credit cards affecting your credit! We use the Chase Sapphire card for everything! Looking forward to more financial tips! New subbie here!
Excellent video! Love the b-roll clips you created.
Erika Kullberg - Personal Finance Tips I was thinking that’s gotta be a BIT awkward 😂
Did someone say snipe? 🤣😂🤣😂🤣
@@Erika2 🤣😂🤣😂
Loved the personal breakdown of points vs. dollars. This is my struggle with my CS Preferred card. Something in my spirit just doesn't sit right with paying more in the portal vs. in cash. Usually, I judge it off a $100 difference but this is a better strategy. I've been considering my next card so I took tons of notes. Thank you!!
This is such a thorough explanation! This year I got the venture, and 2 chase ink business cards and just booked Hawaii + Japan for free! Also thought I had subscribed and needa binge your vids
@@Erika2 Tokyo and Kyoto end of May! Definetly as the trip gets closer I'll ask you for recs 😁
My problem with this strategy is two. First with airlines, I typically do not know which airlines would offer the best deal. So you may start accumulating points on united to exchange for a $1000 ticket, then Philippines airline comes in and offer a $700 flight. So you end up not using those points. When using points for hotel, usually only high end hotels allow that. I usually just stay in cheaper or boutique hotels which are cheaper. So in the end I find myself spending less if I buy ticket and hotels with cash and using points as statement credits than to use the points directly to purchase.
This was very very very helpful thank you so much !
Hey Reesie! After watching Erika's video earlier this year, did you decide to get any new credit cards? 😃💳
Thanks Erika I really liked this video!
I'm not sure what that is
I really liked the .02 to justify using the points. I value them more after watching this great video. Thanks
Hey Mike! Which credit cards are you using most to earn rewards right now? 😃💳
I am a major points junky having used these techniques for years. This was the best video I’ve seen on the subject overall - great job!
I've been doing this for yearsss. I didn't know it had a name. 😅. But as you explained clearly...BE DISCIPLINED! If debt is created, you're doing it wrong. Thanks for your insights.🤗
WOW, she is one honest Lawyer in America.
Really cool explanation
Awesome example of how being financially responsible with credit cards and finances can reward you BIG TIME! We do the same in our household. EVERY expenses go on the credit card we share to get more points. We love traveling, so getting more points for us is a big deal.
One more thing. I save my points for flights that I’m not sure if I have to cancel. If you cancel with points you just get your points back. If you buy a flight you might not be able to cancel and get your money back. Great video! I learned a lot!
Darn not true for American Express, you just end up with a flight credit 😢
Great information you shared. Great video as well.
Max rewards is a literal life changer when it comes to tracking all the things mentioned in this video
Hey Junior - totally agreed 😃👊 Have you been liking it yourself?
The example was awesome and key for me to understand.
The examples are super helpful thanks
This is AMAZING! ❤❤
this was REALLY helpful. i’m new to utilizing credit and you are definitely helping. thank you for this!
Hey Gerald! Awesome that you're now in the credit game 👊 Which cards have you gotten so far? 😃💳
Great video, one of the best that I have seen thoroughly explaining not only the topic but strategy as well breaking down the cost analysis of when to use points rather than cash. My question is could you explain more how to close cards when your churning credit cards without it affecting the length of your credit card history?
Thank you! The best way when you can is to downgrade the card. Also for the credit card history, this is why you always want your first card to be one with no annual fee--because you'll want to keep it open forever (since that will serve as your credit card that you've had open the longest)
ANA is so amazing. It is so cool you live in Japan.
Hey there! Do you fly ANA often? 😃✈
Thank you so much . Much needed video from a women’s point of view 🤗
Hey Esther! Are there any travel cards on your radar for 2022? 😃✈
This was soo helpful! Thank you for breaking this subject down step by step
Hey Natasha - totally agreed! 😃💳 Did you get any new cards earlier this year to save up rewards for future trips?
Good quality content :)
Great points, you actually answered all of my questions, thanks for posting!!
Hey Estifanos! Did you get any new card approvals in 2021 after viewing Erika's video? 😃💳
Extremely helpful!
What a thorough breakdown. Thank you for the video. You got a new subscriber here
Thank you Erika. You put a lot of effort into making your videos. This is very informative as I knew nothing about this topic. Now I where to start 😀
I’m so glad to hear! Thanks!
Hey Kit! Over the past year did you open up any new credit cards since watching Erika's video? 😃✈️
You did such a great and clear job explaining - thank you!!
Hey Samira! Did you get any new credit cards throughout 2021? 😃💳
Hi! New to your channel and love it! Can you do a separate video on Chase Freedom and how to redeem points to travel?? Thank you!
Thank you Erika , very informative
Hey Mohammed - have you gotten any new credit cards this year? 😃💳
ERIKA! I LOVE YOU!
Love you!!
@@Erika2 do you have a video on traveling w regular credit cards vs. business credit cards?
so helpful!. ty!.
Great info!
I'm a pilot, great advice!
Hey Gary! Which credit cards are you using to earn rewards each month? 😃💳
Awesome content!!!
Hi Hazel! Did Erika's video get you into the credit rewards game at all? 😃💳
@@MarkReese absolutely! Happy holidays
@@hazelgacula8672 - Awesome! Right back at you 🎅
Hi Erika, thank you for your channel! These hacks are really helpful ☺️
Thank you Erika! What a logical simple outlay. I love it ❤️
Of course I did subscribe 🙌🏽🎉
*Nice vid* 💪🌚
@@Erika2 no need to thank me I'm your friendly neighborhood black Vito💪🌚
What a great video! Thanks for the advice
Hi Juan! Did Erika's video encourage you to get any new cards this year? 😃💳
Thanks Ericka your info is helping a lot 👌
Great video
Thank you for making this video !!!! I want to start traveling more next year and I want to know what the best credit card is for me ! Now I’m set to apply for a new card ! 🥰
Thank you! Well explained 👏🏼👏🏼👏🏼👏🏼
Such an excellent video! Very thorough and extremely healpful!
Hey there! Did Erika's video from awhile back get you into the credit card rewards game, too? 😃✈️
thanks I am a new travel agent and I want to learn as much as I can
Hi Erika thanks for your great advice following
@erikaKullberg I'm learning so much from you, Thanks!
What a great education on credit card bonus hacks!. thank you for your information.
Great video, Erika! I learned so much from this video. I will start making my travel plans using my credit card. So excited! Thank you.
Hi Yoko! Did you apply for any new credit cards since watching Erika's video a couple years ago? 😃💳
Nice to meet you,I learner
love the background setup
Learned something new! Thanks girl
I'm so glad!
Hi Leyanna! Did you decide to apply for any new credit cards this year since watching Erika's video? 😃✈
Thanks Erika
I like how meticulously you track your spending/savings. Also, that you emphasize taking advantage of your day-to-day expenses with the card that offers the best deal. Where are you planning on traveling next?
Hey Mathilda & Mike! Did you two get any new cards in 2021 to earn rewards for a future trip? 😃✈💳
Excellent, well organized, presentation.
This is an excellent video because your explanation of travel hacking is comprehensive. So much so that I shared your video with friends. Thank you for producing this!
Hi L.A. Rivas, Esq. - have you added any additional credit cards to your wallet over the past year? 😃✈️
Very interesting information and well done video as before, Erika!
Love your videos great advice 💯🙏
If you look at ticket prices, then compare with other airlines, if you go back to the ticket you like, they are now charging more, bc they know you want it % will probably pay more.
Very helpful, thanks!
Hi Noelle! Are you using any credit cards to earn rewards on your monthly expenses? 😃💳
LOOOVEEED THE VIDEO!!!!
I am new to Credit cards and really want to make use of this. Could you create more credit card videos(a playlist) with videos such as best credit cards for beginners(to cc and travel hacking), I have read the descrip and seen this but I'd love to see a more in-depth video on this as well as other credit cards (with travel points of course) that work in Europe (UK, Spain etc)(west)
Thanks!
YAY! I'm so glad you liked it!! Will definitely try to put out more credit card videos! :) I'm unfortunately not familiar with what works in Europe. Is that where you're based?
Erika Kullberg: Finance, Investing, Passive Income yeah
Hey Gonzalo! Awesome that you're also into the credit card rewards game 😃👊 Do you have any new cards on your wish list for 2022?
Lifechanging!!! Thanks for introducing me to travel hacking
Finally the first! and Only step by step of travel partners. I always get so confused at this point. Thank YOUUUU!
Do you maximize hotel stays with cards?
Hey Linda! Regarding your question above, were you referring to using a hotel-specific card to earn more points at a particular chain? Or something else? 😃✈
This was actually a perfect explanation!
Hey Javon - totally agreed. Have you gotten any new travel rewards cards in 2021? 😃✈
@@MarkReese yes! I went pretty hard haha chase sapphire preferred and chase sapphire reserve (I did the mdd), United Explorer Business card, and just got the Amex platinum last week. Hit the SUBs on the first three. Working on the platinum now
@@boltononabudget7423 - Heck yeah! All of those cards had crazy-high bonuses this year; well done! 😎👊 What did you mean by "the mdd?"
@@MarkReese mdd is the “modified double dip”. It’s a work around to be able to get the chase sapphire preferred and chase sapphire reserve at the same time. You apply for one card and 24 hours after the first card is approved, you apply for the second card. This bypasses chases one sapphire rule
@@boltononabudget7423 - Fire!🔥How long ago did you that?
Love the channel... you’re awesome!!! Good info..😉
Thanks so much!
Hey Roberto! Did you get any new credit cards this year? 😃💳
Great tips and hacks..I didint know this hack when I had a chase freedom credit card not that I use it for flights but just dinning out,but its good to know,I'm planning on taking my possible first flight next summer to Orlando great vid.
@@Erika2 I wish that was the case its a conference...spiritual that is and business..
On your video after next can you do one with money making apps?
@@Erika2 I look at some a give you some apps names that makes money
Hey Jermaine! Have you added any additional credit cards to use alongside your Chase Freedom card? 😃💳
I love your TH-cam channel! :)
Nice! that's a lot of free money. I'm nowhere close to that but did get a Capital One Venture a few months ago and already got enough points for flights for the family to Cayman Islands (for vacation, not for hiding money...LOL)
Hahahah the "for vacation" had me cracking up, I love that! Capital One Venture is a great one to have.
Hey there! Awesome that you got the Capital One Venture Rewards card last year 😃✈️ Did you take that trip to the Cayman Islands? 🌴
Question: I had the impression that if you are constantly getting new cards and then canceling them (temporary cards as you call them) it can have a negative impact on your credit. What are your thoughts on this?
Just starting this process and your video was so good and answered a lot of questions that I'm definitely subscribing!
So glad to hear!
Erika can you book me a flight using your point for a total stranger really need the help to get home had a return ticket from Antigua to Jamaica but did put a pass on my ticket because I wasn’t ready to leave and that cost me to lose my ticket reply if you want to help the airline is Caribbean airline
Please do if you can would really appreciate it because I really don’t have the money to buy a one way ticket really broke have been here to months and no job as yet so I really want to go
Hey Phil! Did you end up getting any approvals for new cards this year? 😃💳
@@MarkReese I actually did!! Went to disney world and paid nothing for airfare, rental car, or hotel!
So informative. I’ve been saving my points but afraid to use them become I didn’t know how to figure out if it was worth it or to pay cash
12:12 *Singapore airline*
Hi Erika! Just a question - how does it impact your credit score when you have a lot of temporary cards? Wondering because I don't like having too many inquiries dragging my score down.
I wonder the same thing!!!!
Yes, I have the same question. I had the impression that if you are constantly getting new cards and then canceling them it can have a negative impact on your credit. I'd love to hear Erika's response to this!
Thanks for the content! What is your thinking process for credit card shopping? And I’d love to hear your insight/opinion about Amex!
In the last example it just didn't make sense to do all that and then still have to pay cash cuz the points were not enough.
But I totally understand why you would want to travel sign up bonus points.
I like my cash back cards. I just redeem them straight to my account bank account and then transfer them to my money market account for compound interest. That's the easier for me. If I can't buy the ticket cash then I prefer not to spend on a trip. Although, the sign up bonus really was a good tip. As long as the bonus itself can cover for the flight I need and or offset my out of pocket expense. :)
You are AMAZING. 🤗 I just discovered this channel. Thinking of subscribing
Thank you!
Hey Jonah! Since watching Erika's video earlier this year, did you decide to open up any new credit card accounts? 😃💳
@@MarkReese why you ask
@@YouEsqEnt - Curiosity, I enjoy learning what people use ✌️
So, the capitalone venture seems to be the best for earning points, correct?
Love love your video! I have a question regarding expiring American Airlines points. Can you ask for an extension?
U can literally pay rent with ur credit card and u can get that sign up bonus in 2 months especially ij California. My rent is $2k+ and paid using credit card and paid it back immediately using my debit card and got 60k points easily
Hi Erika I just found your channel! Great videos I live in Europe, Netherlands so not everything is applicable here but it’s worth to check it out. I was curious about why you even care about the value per point. I mean why would you spend 500$ if you can just throw in your points? Am I missing something or is it just a personal decision because you will rather use them on something else then? Thanks a lot :)
Hi Marvin, Thank you for watching the video! I love the Netherlands--I've been there once and hope to go back. Good question. I think value per point is just a personal decision, because I want to make sure I'm "spending" the points wisely, so that I have enough there when I REALLY need them. Example: I had to go to a funeral last year, and of course I had less than 1 day notice. When you're buying flights for cash with 1 day notice, they are usually SO expensive because airlines take advantage of people who are in a pinch and need last minute flights. I think the flights were $500 each way (when they are usually $100 each way). But, I looked at what it would cost for points, and it was the same price is always is for points. So, I used the points. If I didn't have enough points saved up because I'd been using them all without having this "points value system", I would've had to pay $500 cash. Does that explanation kind of make sense? Sorry, a bit hard to explain.