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Step 10: Signing-Up for Multiple Cards

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Now that you have applied for 1 or 2 cards you have an idea of how things work.  It’s time to start applying for multiple cards at 1 time, so you can earn lots of points quickly.  This is how you get Big Travel with Small Money!

How Many Cards Should I Apply For?

Emily and I each like to sign-up for 3 to 6 cards every 3 to 4 months.  But do what feels comfortable to you!

Apply to Cards From Different Banks

Banks don’t like to see that you’re applying for a lot of credit at once.  But many banks only pull your credit score from 1 of the 3 credit bureaus.  So by spreading your applications across different banks you are limiting the number of credit inquiries with each credit bureau.

Spreading Your Credit Pulls Across Different Credit Bureaus Can Increase Your Chances of Being Approved

For example, if you apply for the Chase Sapphire card and the Barclays Arrival Plus card in the same day and Chase pulls your credit report from Experian, then Barclays pulls your credit report from TransUnion they will not see that you have already applied for a card from Chase.

Which credit bureau is used not only depends upon the bank, but also the card you are applying for and your location.  You can check the CreditBoards and Flyertalk to get an idea of which bureau a bank may use.

Maintain a Good Relationship With the Banks and a High Credit Score

If you don’t do these 2 things, banks will consider you a risk and you will be denied credit.  Here are the steps you should take to ensure you stay in the game:

  • Stay organized
  • Pay your bills on time
  • Find no annual fee cards and cards with great benefits to keep and establish a long history with the bank
  • If you decide to cancel a card after you get the sign-up bonus, wait 8 to 10 months!

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