Brought to you by the Every Dollar app. Start budgeting for free today. Today's question comes from Meg in Maine. I've been an avid follower for 20 years and I'm debt-free. However, I'm facing a bit of a challenge and would love to get your advice. I travel quite a bit now that I'm semi-retired, and I've been considering getting a travel points credit card.

My plan is to charge my travel expenses and large purchases, then pay them off immediately.

I feel disciplined enough to handle this without carrying any debt,

plus the idea of earning points and not carrying so much cash is appealing.

But here's the kicker.

Despite having a credit score of 833, I've been turned down for several credit

cards since I haven't used one in many years. Do you have any suggestions on how to approach

this situation or any alternatives I should consider? I think you should get a credit card for

points if you hate widows, orphans, and those who are struggling to pay their bills.

Whoa, John.

Shots fired.

Hot take.

What's going on here?

So I remember, I was, it's not for Ramsey.

I was moving across, I was moving, I was taking a long move, and the business I was moving would pay reimburse my move.

There's a whole family with a big old monster trucks.

But I had to front it.

So I thought,

oh man,

I'm going to open up a credit card

and with points on it

and I'll make just free points

...