Last Updated: 6/11/21 | June 11th, 2021
The best way to travel when you don’t have any money is to take money out of the equation. OK, not completely. While you can travel really, really cheaply, some money is required (unless you want to go hobo-style like this guy, in which case, this article isn’t for you).
But, assuming you don’t want to do that, you are going to need some money for travel. but you don’t need as much as you think you do, especially if you work to make your two biggest expenses — accommodation and flights — virtually free.
Nasıl?
By travel hacking.
I’ve written about it before, but I’ve never really broken down how I earn all those points and miles and redeem them for the business-class flights you always see me enjoying on Instagram. In this post, I’ll go into detail and provide the step-by-step breakdown of exactly what I do to earn around one million points a year — all without traveling! (And, when you add in the miles and points I get from traveling, it’s well over a million per year!)
This is going to be a long post, so get your coffee or tea ready.
First, a refresher: travel hacking is the art of collecting frequent flier, hotel, and credit card points and airline miles and redeeming them for free travel. but it’s not about spending lots of money — the idea is to “hack the system” and use rewards programs against themselves to get lots of points and miles without spending a lot of money or traveling a lot. You leverage these systems to your benefit.
And it’s not just for Americans — Canadians, UK residents, Australians, Kiwis, and Spaniards can work these systems in their favor. (In reality, anyone can, but it’s just easier if you’re in these countries. So, while I will use the American market as an example, as that is the one I have access to, the principles and strategies I use can apply to you. just substitute your local cards and programs for mine!)
One quick note before we begin (especially to the travel hackers reading this): in the travel hacking world, my mileage earning is pretty small. I know people who earn multiple millions of miles a year but I value my time so why spend time earning miles I don’t need? I don’t waste time getting miles I don’t need.
Miles also lose value over time as airlines change their earning and burning rules so I would rather not waste time getting something with a decreasing value. Miles aren’t money.
Some people do this for the love of the game; I do this because I’m cheap and want to pay for as few flights and hotels as possible.
So here’s how I get those points and miles:
Step 1 – sign up for credit cards
Credit cards are the tool through which you run your money in order to accumulate your points and miles. think of them as the points-and-miles printing press. You can earn points and miles without them, but the process takes a lot longer and is a lot harder. To make this work, you will need a credit card.
When used properly, credit cards are smart financial instruments. You can earn hundreds of thousands of miles per year that enable you to travel for free (and they offer better purchasing protection than your debit card). simply having them won’t send you into debt or cost you high interest rates. just make sure not to spend more than you have and to pay off your bill each month.
So, the first thing I do is apply for a bunch of these credit cards.
But I don’t do it willy-nilly.
As a crazy travel hacker, I have more cards than the average person needs, but I only apply for new cards to reach a specific goal. This is the important point to know before you begin: have a goal in mind. think about the trip you want to take, where you want to stay, and how you want to get there, and then get the cards that help you get there.
What have I signed up for this year? In the last six months, I applied for the following cards:
Chase Sapphire preferred – I re-applied for this card after a few years of not having it because the 80,000 point perk was hard to pass up.
Hilton Surpass and Hilton Honors business – I’m trying to stay at more Hiltons so I picked up both these remarkable cards for a total of 260,000 combined.
United Airlines personal card – 40,000 miles.
Total points earned: 380,000
One thing to note about credit cards is that you can’t just sign up, cancel, and sign up again. many card companies make you wait 18–24 months before you become eligible for a sign-up perk again. I cycle through cards on a multi-year basis.
Therefore, I try to space out my sign-ups. I do two or three big credit card sign-up frenzies per year. This allows me to meet any minimum spending requirements (see below), allows the temporary dip the application causes in my credit score to go away, and gets me around any red flags the credit card companies have.
(Note: Chase has something called the 5/24 rule, which states people who’ve applied for more than five cards from any issuer within a 24-month period can’t get a new card from them so you want to get your Chase cards first. American express also only lets you earn the perk once per card per lifetime.)
Moreover, despite popular belief, having a lot of credit cards won’t hurt you. In fact, it can help you. outside of your payment history, your utilization is the next most important factor in your credit score.
Don’t worry about anything else. If you have $100,000 in available credit but only are using $5,000, that’s better than only having $5,000 in credit and using it all every month. having more cards can actually help your credit score because of the better utilization ratio they create.
If you want to know the current best deals, here’s a list of my favorite credit card offers that offer the biggest rewards
Step 2 – meet the minimum spending requirements
Each of these cards comes with a minimum spending requirement before you can earn that bonus. You just don’t get it for nothing.
Here’s how the cards broke down:
Chase: $4,000 minimum spend
Hilton business card: $3,000 minimum spend
Hilton personal card: $2,000 minimum spend
United: $2,000 minimum spend
That meant I had to spend over $11,000 in three months in order to meet the requirements and earn my bonuses!
But my everyday spending isn’t anywhere close to that.
Since the purpose of travel hacking is to not spend extra money (you should absolutely not go into debt for this), I had to figure out ways to meet those spending requirements without incurring extra debt. Here’s how I did it:
In the US, you can pay your federal tax bill on a credit card for a fee of 1.87%. I don’t pay all my taxes during the year so that at the end of the year, I have to pay them in one large chunk. I then time that tax payment with a credit card sign-up so I can get the bonus. Yes, there is a fee, but if you work out the math, it’s worth it. That took care of a big chunk of this.
I time my purchases and sign-ups. If I have to move, buy furniture, need a computer, or join a gym, I sign up for a card and then charge my big purchases to the card.
I go out to dinner with my friends, pay, and ask them to reimburse me. This is especially easy with apps like Venmo nowadays, where they can reimburse you easily at the exact moment of payment.
I ask friends and family if they have a big purchase they wouldn’t mind letting me put on my card. This doesn’t always work but often friends and family will let me put it on my card as a favor and then they’ll pay me instead of the store.
I manufacture spending for the remainder. This is when you move money around so that you artificially create spending through gift cards and money orders. You can buy pre-paid debit cards, turn them into money orders, put those money orders in your bank account, and then pay off your credit card. You have to pay a fee for the cards and money orders, but when doing this for sign-up bonuses, it’s worth the cost. I purchase pre-paid debit cards in $500 increments.
Note: As I incur a lot of business expenses, it’s easy for me to meet the minimum spending requirements for business cards. The steps outlined above were used for the personal cards.
Total spend points earned: 25,000 (21,000 in spending, plus category bonuses [see below] on food and office supplies; my tax bill represented half my spending)
Step 3 – Be smart with spending
1. use category bonuses
In the movie Up in the Air, George Clooney’s character never wastes an opportunity to earn points. I’m the same way. I never, ever, ever just earn one point per dollar spent if I can get 2, 3, or 6 points per dollar spent.
Certain cards have what are known as category bonuses, where you receive 2–5 points per dollar spent. It varies by card, but generally, you get 2 points on restaurants, 2–3 on airfare, and 5 on office supplies.
For example, if I am buying an airline ticket, I’ll use my American express Platinum and get 5 miles for every dollar I spend. When I’m eating out, I’ll use my Chase Sapphire Reserve for 3 points on dining. If I’m booking a Delta flight, I’ll use that card for 5 points per dollar spent. Gaz? American express Gold for 4 points per dollar spent.
In short, I’m always trying to get more than one point for every dollar I spend.
2. use airline shopping portals
All airlines, hotels, and travel brands have preferred merchants. These companies — ranging from clothing retailers to sporting good stores to office supply businesses and everything in between — partner with airlines’ (hotels’, etc.) special shopping malls. By ordering online through these malls, you can earn additional points.
You can use Evreward or cash Back monitor to discover the current best deals across various programs. simply type in the merchant or product you want, and it will compile a list of bonuses the various point programs are offering at that moment so can you maximize the programs to purchase from.
Say, for example, you want new clothes from the Gap. Going iNTO GAP mağazası size harcanan dolar başına bir puan alır. Evreward’ı kullanarak, Birleşik Alışveriş Portalına gidip oturum açarak, GAP bağlantısını tıklayarak ve çevrimiçi satın alarak harcanan dolar başına üç puan kazanabileceğinizi görüyorsunuz. Aniden, 100 $ ‘lık alışveriş çılgınlığınız için 100 yerine 300 puan alırsınız!
Temelde her şey için yaptığınız şey budur. Her zaman ekstra puan alabileceğinizi görün.
3. Yemek ödül programlarını kullanın
Tıpkı alışveriş portalları gibi, havayollarının da yemek ödülleri programları var. Sık broşür numaranıza kaydolursunuz, kredi kartınızı kaydedersiniz ve havayolu ağındaki (yıl boyunca dönen) katılan restoranlarda yemek yerken ekstra puan alırsınız. Her programa kaydolabilirken, birden fazla kredi kartı kaydedemeyeceğinizi belirtmek önemlidir. Bu, Chase Sapphire Tercih Edilen Kartınız American Airlines hesabınıza bağlanırsa, aynı kartla United Airlines hesabınızda mil kazanamayacağınız anlamına gelir.
Ödül ağındaki programlardan birine katılın (tüm yemek programlarını çalıştırırlar), böylece 12 yemekten sonra gerçekleşen bir “VIP üyesi” olduktan sonra harcanan dolar başına beş mil alabilirsiniz. Bu 12’si yılın başlarında kemerinizin altına (tabiri caizse) alırsanız, yılın geri kalanında harcanan dolar başına beş puan alacaksınız!
Tüm bunları takip etmek için bir not: Bu yazıyı yazarken birkaç arkadaşıyla akşam yemeğine gittim. Arkadaşım Noah, “Bu takip etmek için çok fazla” gibiydi. Bu, seyahat hacklemeye başlamak isteyen insanlar arasında yaygın bir duygu. Ancak, gerçekte olduğundan daha karmaşık görünüyor. Hangi kartların size hangi bonusları verdiğini öğrendikten sonra, bir sonraki adım sadece bu bonusları alan ve hedeflerinize ulaşan kartları kullanmaktır.
Asla kendini çok ince yaymak istemezsiniz. Her yerde puanlara sahip olmak, sizi birden fazla hesapta düşük nokta bakiyesine sahip olmanıza yol açacaktır. Chase Ultimate Rewards ve American Express üyelik ödüllerine yapılan günlük harcamalarımla aktarılabilir puanlar oldukları için sadece birkaç hesaba sadık kalıyorum. (Not: Sadece Delta’yı uçurduğum için, kartta uçan ve bonus dışı iş harcamalarından dolayı bol miktarda elde ettiğim için bu hesapta mil inşa etmekten endişe etmiyorum.)
Yılda Kazanılan Toplam Puanlar: Kabaca 100.000 (Harcama ve Perk Kategorisine Bağlı)
Dünyayı nasıl ücretsiz seyahat ettiğimi öğrenmek ister misiniz?
Uçak bileti için tam fiyat ödemeyi bırakın! Seyahat hackleme ve öğrenmek için ücretsiz rehberimizi indirin:
Kredi kartı nasıl seçilir
Ücretsiz uçuşlar ve oteller için mil nasıl kazanılır
Seyahat hackleme gerçekten bir aldatmaca mı?
Ücretsiz kılavuzu alın
Adım 4 – Üretilen harcamaları durulayın ve tekrarlayın
Minimum harcama gereksinimlerini karşılayamıyor veya çok düşük bir bütçeyle kilometrelerce yığın oluşturmak isteyemiyor musunuz? Sorun yok. Kredi kartı harcama gereksinimlerini karşılamak için harcamaları “üretebilirsiniz” ve ön ödemeli hediye kartlarını ve diğer finansal araçları kullanarak kapalı döngü, para hareket ettirme teknikleri kullanarak ek mil kazanabilirsiniz.
AMEX teklifleri veya indirimli kart web siteleri kullanarak (aşağıdaki listeye bakın), bir yığın hediye kartı satın alırsınız. Asla tam fiyata kart satın almayın. Hiç ama hiçbir zaman!
Hediye Kartları Nereden Alınır ve Anlaşmalar Bulunur:
Hediye kartı büyükanne
Hediye Kardwiki
Ardından, kartlarınızı para için satarsınız. (Fiziksel kartlar ise, bunları postalamanız gerekir.) Yukarıdaki web siteleri bunun için iyi web siteleridir.
Ardından, kredi kartınızı ödemek için parayı kullanın.
Diyelim ki Starbucks hediye kartlarında% 15 indirim için bir anlaşma var. Kredi kartınızı kullanarak, Starbucks hediye kartlarını toplu olarak satın alırsınız ve daha sonra kartı% 14 indirimden satın alan yukarıdaki tüccarlardan birine satarsınız. Parayı alıp kredi kartınızı ödersiniz. Bu süreçte, küçük bir kâr elde edersiniz ve bir sürü puan kazanırsınız.
Bu fırsatları nasıl buluyorsunuz? Kredi Doktoru bir anlaşma olduğunda sizi uyarabilir. Bunu çok yapan insanların kendi izleme yolu vardır, ancak sıradan seyahat için h
Last Updated: 6/11/21 | June 11th, 2021
The best way to travel when you don’t have any money is to take money out of the equation. OK, not completely. While you can travel really, really cheaply, some money is required (unless you want to go hobo-style like this guy, in which case, this article isn’t for you).
But, assuming you don’t want to do that, you are going to need some money for travel. but you don’t need as much as you think you do, especially if you work to make your two biggest expenses — accommodation and flights — virtually free.
Nasıl?
By travel hacking.
I’ve written about it before, but I’ve never really broken down how I earn all those points and miles and redeem them for the business-class flights you always see me enjoying on Instagram. In this post, I’ll go into detail and provide the step-by-step breakdown of exactly what I do to earn around one million points a year — all without traveling! (And, when you add in the miles and points I get from traveling, it’s well over a million per year!)
This is going to be a long post, so get your coffee or tea ready.
First, a refresher: travel hacking is the art of collecting frequent flier, hotel, and credit card points and airline miles and redeeming them for free travel. but it’s not about spending lots of money — the idea is to “hack the system” and use rewards programs against themselves to get lots of points and miles without spending a lot of money or traveling a lot. You leverage these systems to your benefit.
And it’s not just for Americans — Canadians, UK residents, Australians, Kiwis, and Spaniards can work these systems in their favor. (In reality, anyone can, but it’s just easier if you’re in these countries. So, while I will use the American market as an example, as that is the one I have access to, the principles and strategies I use can apply to you. just substitute your local cards and programs for mine!)
One quick note before we begin (especially to the travel hackers reading this): in the travel hacking world, my mileage earning is pretty small. I know people who earn multiple millions of miles a year but I value my time so why spend time earning miles I don’t need? I don’t waste time getting miles I don’t need.
Miles also lose value over time as airlines change their earning and burning rules so I would rather not waste time getting something with a decreasing value. Miles aren’t money.
Some people do this for the love of the game; I do this because I’m cheap and want to pay for as few flights and hotels as possible.
So here’s how I get those points and miles:
Step 1 – sign up for credit cards
Credit cards are the tool through which you run your money in order to accumulate your points and miles. think of them as the points-and-miles printing press. You can earn points and miles without them, but the process takes a lot longer and is a lot harder. To make this work, you will need a credit card.
When used properly, credit cards are smart financial instruments. You can earn hundreds of thousands of miles per year that enable you to travel for free (and they offer better purchasing protection than your debit card). simply having them won’t send you into debt or cost you high interest rates. just make sure not to spend more than you have and to pay off your bill each month.
So, the first thing I do is apply for a bunch of these credit cards.
But I don’t do it willy-nilly.
As a crazy travel hacker, I have more cards than the average person needs, but I only apply for new cards to reach a specific goal. This is the important point to know before you begin: have a goal in mind. think about the trip you want to take, where you want to stay, and how you want to get there, and then get the cards that help you get there.
What have I signed up for this year? In the last six months, I applied for the following cards:
Chase Sapphire preferred – I re-applied for this card after a few years of not having it because the 80,000 point perk was hard to pass up.
Hilton Surpass and Hilton Honors business – I’m trying to stay at more Hiltons so I picked up both these remarkable cards for a total of 260,000 combined.
United Airlines personal card – 40,000 miles.
Total points earned: 380,000
One thing to note about credit cards is that you can’t just sign up, cancel, and sign up again. many card companies make you wait 18–24 months before you become eligible for a sign-up perk again. I cycle through cards on a multi-year basis.
Therefore, I try to space out my sign-ups. I do two or three big credit card sign-up frenzies per year. This allows me to meet any minimum spending requirements (see below), allows the temporary dip the application causes in my credit score to go away, and gets me around any red flags the credit card companies have.
(Note: Chase has something called the 5/24 rule, which states people who’ve applied for more than five cards from any issuer within a 24-month period can’t get a new card from them so you want to get your Chase cards first. American express also only lets you earn the perk once per card per lifetime.)
Moreover, despite popular belief, having a lot of credit cards won’t hurt you. In fact, it can help you. outside of your payment history, your utilization is the next most important factor in your credit score.
Don’t worry about anything else. If you have $100,000 in available credit but only are using $5,000, that’s better than only having $5,000 in credit and using it all every month. having more cards can actually help your credit score because of the better utilization ratio they create.
If you want to know the current best deals, here’s a list of my favorite credit card offers that offer the biggest rewards
Step 2 – meet the minimum spending requirements
Each of these cards comes with a minimum spending requirement before you can earn that bonus. You just don’t get it for nothing.
Here’s how the cards broke down:
Chase: $4,000 minimum spend
Hilton business card: $3,000 minimum spend
Hilton personal card: $2,000 minimum spend
United: $2,000 minimum spend
That meant I had to spend over $11,000 in three months in order to meet the requirements and earn my bonuses!
But my everyday spending isn’t anywhere close to that.
Since the purpose of travel hacking is to not spend extra money (you should absolutely not go into debt for this), I had to figure out ways to meet those spending requirements without incurring extra debt. Here’s how I did it:
In the US, you can pay your federal tax bill on a credit card for a fee of 1.87%. I don’t pay all my taxes during the year so that at the end of the year, I have to pay them in one large chunk. I then time that tax payment with a credit card sign-up so I can get the bonus. Yes, there is a fee, but if you work out the math, it’s worth it. That took care of a big chunk of this.
I time my purchases and sign-ups. If I have to move, buy furniture, need a computer, or join a gym, I sign up for a card and then charge my big purchases to the card.
I go out to dinner with my friends, pay, and ask them to reimburse me. This is especially easy with apps like Venmo nowadays, where they can reimburse you easily at the exact moment of payment.
I ask friends and family if they have a big purchase they wouldn’t mind letting me put on my card. This doesn’t always work but often friends and family will let me put it on my card as a favor and then they’ll pay me instead of the store.
I manufacture spending for the remainder. This is when you move money around so that you artificially create spending through gift cards and money orders. You can buy pre-paid debit cards, turn them into money orders, put those money orders in your bank account, and then pay off your credit card. You have to pay a fee for the cards and money orders, but when doing this for sign-up bonuses, it’s worth the cost. I purchase pre-paid debit cards in $500 increments.
Note: As I incur a lot of business expenses, it’s easy for me to meet the minimum spending requirements for business cards. The steps outlined above were used for the personal cards.
Total spend points earned: 25,000 (21,000 in spending, plus category bonuses [see below] on food and office supplies; my tax bill represented half my spending)
Step 3 – Be smart with spending
1. use category bonuses
In the movie Up in the Air, George Clooney’s character never wastes an opportunity to earn points. I’m the same way. I never, ever, ever just earn one point per dollar spent if I can get 2, 3, or 6 points per dollar spent.
Certain cards have what are known as category bonuses, where you receive 2–5 points per dollar spent. It varies by card, but generally, you get 2 points on restaurants, 2–3 on airfare, and 5 on office supplies.
For example, if I am buying an airline ticket, I’ll use my American express Platinum and get 5 miles for every dollar I spend. When I’m eating out, I’ll use my Chase Sapphire Reserve for 3 points on dining. If I’m booking a Delta flight, I’ll use that card for 5 points per dollar spent. Gaz? American express Gold for 4 points per dollar spent.
In short, I’m always trying to get more than one point for every dollar I spend.
2. use airline shopping portals
All airlines, hotels, and travel brands have preferred merchants. These companies — ranging from clothing retailers to sporting good stores to office supply businesses and everything in between — partner with airlines’ (hotels’, etc.) special shopping malls. By ordering online through these malls, you can earn additional points.
You can use Evreward or cash Back monitor to discover the current best deals across various programs. simply type in the merchant or product you want, and it will compile a list of bonuses the various point programs are offering at that moment so can you maximize the programs to purchase from.
Say, for example, you want new clothes from the Gap. Going iNTO GAP mağazası size harcanan dolar başına bir puan alır. Evreward’ı kullanarak, Birleşik Alışveriş Portalına gidip oturum açarak, GAP bağlantısını tıklayarak ve çevrimiçi satın alarak harcanan dolar başına üç puan kazanabileceğinizi görüyorsunuz. Aniden, 100 $ ‘lık alışveriş çılgınlığınız için 100 yerine 300 puan alırsınız!
Temelde her şey için yaptığınız şey budur. Her zaman ekstra puan alabileceğinizi görün.
3. Yemek ödül programlarını kullanın
Tıpkı alışveriş portalları gibi, havayollarının da yemek ödülleri programları var. Sık broşür numaranıza kaydolursunuz, kredi kartınızı kaydedersiniz ve havayolu ağındaki (yıl boyunca dönen) katılan restoranlarda yemek yerken ekstra puan alırsınız. Her programa kaydolabilirken, birden fazla kredi kartı kaydedemeyeceğinizi belirtmek önemlidir. Bu, Chase Sapphire Tercih Edilen Kartınız American Airlines hesabınıza bağlanırsa, aynı kartla United Airlines hesabınızda mil kazanamayacağınız anlamına gelir.
Ödül ağındaki programlardan birine katılın (tüm yemek programlarını çalıştırırlar), böylece 12 yemekten sonra gerçekleşen bir “VIP üyesi” olduktan sonra harcanan dolar başına beş mil alabilirsiniz. Bu 12’si yılın başlarında kemerinizin altına (tabiri caizse) alırsanız, yılın geri kalanında harcanan dolar başına beş puan alacaksınız!
Tüm bunları takip etmek için bir not: Bu yazıyı yazarken birkaç arkadaşıyla akşam yemeğine gittim. Arkadaşım Noah, “Bu takip etmek için çok fazla” gibiydi. Bu, seyahat hacklemeye başlamak isteyen insanlar arasında yaygın bir duygu. Ancak, gerçekte olduğundan daha karmaşık görünüyor. Hangi kartların size hangi bonusları verdiğini öğrendikten sonra, bir sonraki adım sadece bu bonusları alan ve hedeflerinize ulaşan kartları kullanmaktır.
Asla kendini çok ince yaymak istemezsiniz. Her yerde puanlara sahip olmak, sizi birden fazla hesapta düşük nokta bakiyesine sahip olmanıza yol açacaktır. Chase Ultimate Rewards ve American Express üyelik ödüllerine yapılan günlük harcamalarımla aktarılabilir puanlar oldukları için sadece birkaç hesaba sadık kalıyorum. (Not: Sadece Delta’yı uçurduğum için, kartta uçan ve bonus dışı iş harcamalarından dolayı bol miktarda elde ettiğim için bu hesapta mil inşa etmekten endişe etmiyorum.)
Yılda Kazanılan Toplam Puanlar: Kabaca 100.000 (Harcama ve Perk Kategorisine Bağlı)
Dünyayı nasıl ücretsiz seyahat ettiğimi öğrenmek ister misiniz?
Uçak bileti için tam fiyat ödemeyi bırakın! Seyahat hackleme ve öğrenmek için ücretsiz rehberimizi indirin:
Kredi kartı nasıl seçilir
Ücretsiz uçuşlar ve oteller için mil nasıl kazanılır
Seyahat hackleme gerçekten bir aldatmaca mı?
Ücretsiz kılavuzu alın
Adım 4 – Üretilen harcamaları durulayın ve tekrarlayın
Minimum harcama gereksinimlerini karşılayamıyor veya çok düşük bir bütçeyle kilometrelerce yığın oluşturmak isteyemiyor musunuz? Sorun yok. Kredi kartı harcama gereksinimlerini karşılamak için harcamaları “üretebilirsiniz” ve ön ödemeli hediye kartlarını ve diğer finansal araçları kullanarak kapalı döngü, para hareket ettirme teknikleri kullanarak ek mil kazanabilirsiniz.
AMEX teklifleri veya indirimli kart web siteleri kullanarak (aşağıdaki listeye bakın), bir yığın hediye kartı satın alırsınız. Asla tam fiyata kart satın almayın. Hiç ama hiçbir zaman!
Hediye Kartları Nereden Alınır ve Anlaşmalar Bulunur:
Hediye kartı büyükanne
Hediye Kardwiki
Ardından, kartlarınızı para için satarsınız. (Fiziksel kartlar ise, bunları postalamanız gerekir.) Yukarıdaki web siteleri bunun için iyi web siteleridir.
Ardından, kredi kartınızı ödemek için parayı kullanın.
Diyelim ki Starbucks hediye kartlarında% 15 indirim için bir anlaşma var. Kredi kartınızı kullanarak, Starbucks hediye kartlarını toplu olarak satın alırsınız ve daha sonra kartı% 14 indirimden satın alan yukarıdaki tüccarlardan birine satarsınız. Parayı alıp kredi kartınızı ödersiniz. Bu süreçte, küçük bir kâr elde edersiniz ve bir sürü puan kazanırsınız.
Bu fırsatları nasıl buluyorsunuz? Kredi Doktoru bir anlaşma olduğunda sizi uyarabilir. Bunu çok yapan insanların kendi izleme yolu vardır, ancak sıradan seyahat için h
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