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My mom and I have applied for (and got approved!) for a total of 3 new travel credit cards in the last month.
We’ll be earning 70,000 American Airlines miles, 50,000 Chase Ultimate Rewards points, and up to 60,000 Southwest points after meeting the minimum spending requirements!
All those miles and points will get us several very cheap round-trip domestic flights (taxes and fees are usually ~$10!), and the Southwest points will also count towards the Southwest Companion Pass, which I can use for 2-for-1 flights!
How I’m Making Sure 180,000 Miles & Points From New Travel Credit Cards End Up in My Accounts
Right after you get your credit card is the most important time to stay focused. If you don’t stay focused, you can negatively impact your credit with unpaid bills and high interest fees. Plus, you risk not getting your bonus if you don’t complete the minimum spend. Here’s what I do as soon as I get my credit card:
- Sign up for autopay
- Update my online bill pay accounts
- Update my password manager
- Put the new credit card in the front of my wallet
- Track spending
Sign up for Autopay
Signing up for autopay is one of the most important things to do when you get a new credit card. I always elect to pay the statement balance in full. It doesn’t make sense carrying high interest and negates the benefits of miles and points. With autopay, I can set it and forget it, and not have to worry about paying my bills when they are due.
Update My Online Bill Pay Accounts
I use several services that are paid online monthly, like my cell phone bill, internet, a local food delivery service. I also have Amazon.com. I’m going through those online accounts and update the credit card on file with my new travel credit card.
Update My Password Manager
I use LastPass to store my passwords to my online accounts, and it has a feature to store credit card numbers. It just takes a few seconds to add a new credit card to LastPass, and makes filling out online purchase forms really easy! This helps me complete my minimum spending requirements faster and easier because I can fill in the online payments forms with just 2 to 3 clicks. I don’t have to manually enter the credit card numbers and expiration dates!
Put the New Credit Card In the Front of Your Wallet
When I get a new credit card, it goes at the front of my wallet. That way, it’s always with me if and when I need to use it. Being in the front of my wallet reminds me of the spending I need to hit. As soon as I’m finished meeting my minimum spending, I re-evaluate the credit card to see if it’s worthy of the front-wallet real estate.
Track Spending on The New Credit Card
Different people use various ways to track spending. Some people use spreadsheets, others log onto their credit card accounts. Do whatever is easiest for you, but be sure to track the spending starting from the date you got approved for the credit card (and NOT when you receive it in the mail!)
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