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Step 3: Stay Organized

Staying organized is the most important thing you can do to make sure you get the most value out of your miles!

When you are applying for multiple credit cards at a time, there are lots of payment due dates, spending requirements, and account balances to track on top of your household budget.  And if you aren’t responsible, you can end up paying late fees, interest, and accumulating debt.

Where & How Do You Want to Travel?

Fortunately there are a lot of excellent tools available to help you keep track of it all.  Here are some programs that you can use to stay organized.

  • Award Wallet – enter your airline and hotel account information from Step 2 to track all of your mile & point accounts in 1 place.  You can even track accounts for multiple people.
  • Mint – will help you keep tabs on your checking account and credit card balances
  • Credit Karma –  tracks your credit and gives you an estimated TransUnion credit score
  • Credit Sesame – also tracks your credit and gives you an estimate Experian credit score

You can also use spreadsheets that include information such as the date you were approved for the card, the minimum spending requirement, the date the minimum spending should be completed, the bonus, the credit limit, the annual fee, and any other categories that may help you.

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My biggest fail has been trying to figure out when to close cards, when to downgrade… I know I am paying fees without reaping max benefits from all my cards but I feel paralyzed…any magic bullet?

Yes! I just crated a spreadsheet this weekend when I realized I had let a bunch of points expire. Bummer. I will try award wallet for sure!

Most credit cards are giving FICO scores and some banks also, like Bank of America when you have an account with them.