Originally Posted by
onthego15
If you are not sure what you are doing, then go slowly.
And to top it off, everything you think you know is changing continually. So, you may come up with a strategy that you think will work, only to discover that the "rules" have changed.
So your quest to find "definitive" answers and "foolproof strategies" is very likely to fail. Which is okay. Mistakes are how we learn. Just don't get too wrapped in getting it all "right".
Instead enjoy the ride and be grateful for all the free/discounted travel that comes your way.
This is a terrific point of view. For most of us, it's gone swimmingly! The only exception to this is a person that accrues debt in the quest for points. Churning is a bad idea for anyone who does not have a good grasp of keeping debt paid off.
If you carry no revolving credit card debt, it's hard to go wrong. You will reap unbelievable benefits from your good financial habits. Yes, you may get a denial from one bank, or your credit score will drop, but keep going. The very bank that denies somebody for one reason may issue a different card with ease the next time. Credit scores may go down, but the very practices that got you a good score in the first place (paying your bills on time), will cause it to rebound without fail.