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  • credit card balances
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    How to Pay Off Multiple Credit Cards with Balances

    While we’ve touched on a lot of topics here at Pursuing Points, one constant has remained. We strongly advocate for only spending money on a credit card that you can be sure you’ll be able to pay off, in full, come payment due date time. We suggest this because this is the only way to […] More

  • credit card fees everywhere
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    Avoid Paying Credit Card Interest by Learning How it Works

    Quick, you’ve got a gun to your head and the criminal is asking you to calculate the interest you’ll pay if you don’t pay off your entire balance before the payment due date. You’ve heard the term APR, you know that it means annual percentage rate, so thats a start. Lets assume for the sake […] More

  • reconsider credit card dog
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    8 Tips for Navigating the Reconsideration Process

    If you apply for enough credit cards, chances are that at some point or another you’re going to be given a “pending” decision. Generally what this looks like is that after you’ve gone through all of the application steps, you’ll be greeted with a message that says something along the lines of “Thank you for […] More

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    The Biggest Credit Card Mistakes I’ve Made

    As with most things, when you venture into a new hobby you’re bound to make some beginners mistakes. Of course, its alright to make those mistakes so long as you’re able to learn from them. Or even better, learn, and then share your learnings with the readers of PursuingPoints.com :). Anyway, in the course of […] More

  • hard vs soft credit inquiry
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    Difference between Soft and Hard Credit Inquiries

    In episode 2 of the Pursuing Points podcast my co-host Michael and I talked about how being involved with the credit card points and miles “game” forces you to pay closer attention to your overall financial health. Signing up for, spending money on, and managing your array of credit cards forces you to keep your finger […] More

  • Credit: Facts vs. Myths
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    6 Credit Score and Credit Card Myths Debunked

    Over the course of your life it is likely that you’ve received incorrect advice when it comes to both your credit score and credit cards in general. As much as Pursuing Point is about the pursuit of credit card points and miles for use on travel and other redemptions; its also about improving financial literacy […] More

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    Is Cancelling a Credit Card Bad?

    Whenever I tell someone that i’ve recently canceled a credit card, or am planning to do so in the near future the response is almost always something along the lines of; “Thats bad, you should never cancel a credit card.” To someone who is not well versed in how their credit score is calculated, or […] More

  • how do credit card companies make money
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    How Do Credit Card Companies Make Money?

    One day in the late 1960s, Caroll Spinney hailed a taxi in New York to take him to his puppeteering job. When he got into the cab, the driver said to him in a gruff voice, “Where to, Mac?” For the rest of the ride, the driver grumbled and harrumphed about local politics. When he […] More

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    5 Ways to Increase a Poor Credit Score

    Having access to credit opens a lot of doors toward getting the things you want. While it is true that using credit cards irresponsibly can be disastrous for your finances, using credit responsibly can help you build a reputation (your credit score) that convinces lenders that they can trust you to repay borrowed money. You […] More

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    What is a Credit Score and How is it Calculated?

    Maybe you’re just getting started in the world of credit card miles and points, or maybe you’re a veteran in these parts. Either way, one thing that is crucial to success when it comes to pursuing points is a good credit score. In this post we’re going to talk about what exactly is a credit score, […] More