Last week I wrote about credit card churning. This week I want to go over the credit cards we use for cash back and how we optimize their usage to get the most discount. By stacking these with cash back portals and discounted giftcards, we’ve been able to get almost 25-30% discounts on our recent purchases.
Tag: credit cards
When I first arrived to the US as an international student, I didn’t have any credit history. This made renting an apartment really expensive. My then boyfriend (now husband) and I had to pay two months rent in advance, and also put down a two months security deposit. This also made getting loans impossible without a cosigner. We spent a few years in the USA without any credit cards or loans. But, I knew the importance of building a strong credit history for our future in this country. I also knew I didn’t want to get into any credit card debt. So, I started researching ways we could build our credit history from scratch the smart way. First card I learned about secured and unsecured credit cards. Secured credit cards are cards that are backed by a cash deposit you make to the bank or credit card company. Credit cards