Boost Your Credit Card IQ

Life Kit

NPR

Self-improvement, Kids & Family, Education, Health & Fitness, Business

4.5 • 4.9K Ratings

🗓️ 29 April 2019

⏱️ 20 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

If you use credit cards in a intentional way, you can free up some valuable perks. We geek out on strategies to make credit cards work for you, without getting out of control on spending.
Here's what to remember:
- Use credit cards that have the best rewards on the things you spend the most money on.
- Protect your credit score: Always pay off your balance, don't spend more than 30 percent of your limit, don't cancel a card you've had for a long time.
- Don't outgame yourself by accepting too many new cards with sign-up bonuses.
- Know yourself: If you've had trouble with running up debt, don't tempt yourself with more cards.

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Transcript

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0:00.0	This message comes from the podcast Landlines with Allison Williams.
0:04.1	The girls and get-out actress and her lifelong best friends, an early childhood educator
0:08.4	and behavioral therapist, invite you to join the group chat every new parent needs.
0:13.4	Listen wherever you get your podcasts.
0:16.1	Hi, I'm Pierre.
0:16.8	This is Pamela and Benjamin from Miami Beach, Florida.
0:19.2	We're going to be discussing our credit card
0:21.4	rewards strategies. Credit cards. You know, sure, they're risky. You can get in over your head. But if you
0:27.1	know just a few smart approaches how to pick the right cards, you can get way more cash back, free airline
0:33.6	tickets. One of my favorite trips is when we went to Greece and Italy for my 30th birthday.
0:39.3	What's your favorite for Benjamin?
0:40.3	I would have to be this last spring when we went to Berlin, Prague, and Vienna also on Miles.
0:48.3	And you know why was my favorite?
0:50.3	Why?
0:51.3	We got engaged on that trip.
0:52.3	Yay!
0:53.3	This is the dream. Free trips around the world with people you love.
0:56.3	Who wouldn't want that?
0:57.4	I want that.
1:01.2	I'm Chris Arnold, and this is your NPR Life Kit Guide for finding money that you didn't know that you had.
1:07.2	This episode, boosting your credit card IQ.
1:10.9	So whether you're looking to just figure out how to get a lot more cash back to put in
	...

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