Financial Freedom Toolkit
Credit
Cards
Credit cards… This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler text. This is filler.
Tier
What are Credit Cards?
The credit card game is a way to think about using credit cards. Players of the game build financial literacy skills while earning rewards. Played well, the credit card game can help you save money, earn free travel, and more—all while increasing your credit score.
How the Credit Card Game Works
For credit card newbies:
The first thing to understand is the Credit Card “Game.”
You don’t want to accrue credit card debt. You want to accrue Credit Card Rewards. Done right, you can earn cash back, travel rewards, and other perks without hurting your credit.
In fact, you can do this while enhancing your credit profile.
Playing the game right opens you up to better financial opportunities.
In order to do so, you need to learn about Credit itself.
Your Credit Score comes from your Credit Report.
Reports are compiled by the three major credit bureaus—Experian, TransUnion, and Equifax. Then, FICO applies a propiertary formula to turn those reports into a 3-digit number, from 300-850.
Better cards require better scores. Higher scores also lead to better terms for all types of credit lines. Some employers check credit scores as well.
So learn the game.
Once you do, you’ll see that playing it requires some planning.
I like the tier systems from Ask Sebby and Credit Shifu. They generally group cards by their annual fees. I think that’s probably a good place to start for most people.
Educate yourself a little and it’s easy to take a more sophisticated look.
Then you can set goals like:
- Build Credit for Better Loan Terms.
- Rack Up on Credit Card Rewards.
- Maximize Credit Card Cashback.
- Gain Perks with Prestigious Cards.
- Churn Cards for Sign Up Bonuses.
To take this from knowledge to practical application requires some planning.
How I See Credit Cards
I see credit cards as a game to be played.
It wasn’t always this way. I used to be scared of credit. I certainly wouldn’t have used words like “game” or “play.”
But that’s because I was associating Credit with Debt.
Similar. But different.
And credit cards are a different beast altogether. To play the game right, you don’t accrue debt. You pay your bills in full every month.
This way you don’t pay interest. Instead, you earn rewards.
Those rewards can take many forms.
But it comes down to this:
Credit card companies and their partners are giving out free money. As long as you avoid credit card debt, credit cards are one of the most effective ways to build credit. Done well, you get free value without changing behavior. Meanwhile, you build credit worthiness.
That’s an easy win-win.
Building
Credit
There is a lot that goes into. I can’t make up my mind whether to focus on the writing or the designing. I guess it doesn’t matter. The daily content challenge marches on.
What I Saw in the West Bank
Trump's Palestine-Israel Peace Deal
Our Saudi Arabia Problem Part 1
Our Saudi Arabia Problem Part 2
Our Saudi Arabia Problem Part 3
Waiting on Our Marching Orders
Credit Card
Management
This site is the definition of a work-in-progress. I can’t make up my mind whether to focus on the writing or the designing. I guess it doesn’t matter. The daily content challenge marches on.
Credit Card
Rewards
There is a lot that goes into. I can’t make up my mind whether to focus on the writing or the designing. I guess it doesn’t matter. The daily content challenge marches on.
Who Is Behind the Trump Impeachment?
The REAL Danger of Impeaching Trump
Formal Impeachment Inquiry Launch
John Bolton is Out. The World is Safer.
Is the DNC Rigging the Primaries?
2020 Democrat Foreign Policy Comparison
Democrats More Dangerous than Trump
Credit Card
Cashback
This site is the definition of a work-in-progress. I can’t make up my mind whether to focus on the writing or the designing. I guess it doesn’t matter. The daily content challenge marches on.
Credit Card
Perks
There is a lot that goes into. I can’t make up my mind whether to focus on the writing or the designing. I guess it doesn’t matter. The daily content challenge marches on.
Why the US is Waging War on Iran
The Truth About Iranian Riots
Will Unrest in Iran Lead to Regime Change?
Monetary Systems
Iran Attacks on Oil Tankers - Fact or Fiction
Capitalism
There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration by injected humour. There are many variations of Capitalism available, but the majority have suffered alteration by injected humour. There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration by injected humour.
Here’s how it breaks down for me
Credit Card
Churning
This site is the definition of a work-in-progress. I can’t make up my mind whether to focus on the writing or the designing. I guess it doesn’t matter. The daily content challenge marches on.
My Progress
More than anyone else:
Gary is the reason I started creating hero profiles.
Now that I’ve started, I see that his profile may be less useful than my other heroes to other people. But his will likely always remain the most important to me.
I fucking love this dude. He changed my life.
More accurately, he teamed up with Nahko to save my life.
I’m not quite sure when I found him. I featured him all the way back in one of my first posts for Greensboro SEO Pro.
- My Knowledge – 85%
- My Progress – 20%
- My Motivation – 75%
Videos Watched
Journey Started
My Favorite Credit Cards Videos
How to Get Started with the Credit Card Game
For credit card newbies:
The first thing to understand is the Credit Card “Game.”
You don’t want to accrue credit card debt. You want to accrue Credit Card Rewards. Done right, you can earn cash back, travel rewards, and other perks without hurting your credit.
In fact, you can do this while enhancing your credit profile.
Playing the game right opens you up to better financial opportunities.
In order to do so, you need to learn about Credit itself.
Your Credit Score comes from your Credit Report.
Reports are compiled by the three major credit bureaus—Experian, TransUnion, and Equifax. Then, FICO applies a propiertary formula to turn those reports into a 3-digit number, from 300-850.
Better cards require better scores. Higher scores also lead to better terms for all types of credit lines. Some employers check credit scores as well.
So learn the game.
Once you do, you’ll see that playing it requires some planning.
I like the tier systems from Ask Sebby and Credit Shifu. They generally group cards by their annual fees. I think that’s probably a good place to start for most people.
Educate yourself a little and it’s easy to take a more sophisticated look.
What are your credit goals?
- Earn Cashback on Spending
- Churn Cards for Sign Up Bonuses
- Build Credit for Better Terms
To take this from knowledge to practical application requires some planning.
My main focus is rewards… cc companies give you lot’s of free stuff… some offer upwards of xyz positive value per year first years are even bigger… I’ll eventually get into collecting sign up bonuses… but I have more of a long term approach
choosing a cc info or embedded article playing markets blurb
where this card ranks in different lists
Best Travel Cards
Best Business Cards
Best Premium Cards
Similar Favorites
Playing Markets
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Business Cards
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Amex Business Gold
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My Top Three Credit Card Teachers
I stand on the shoulders of giants. I stand on the shoulders of giants. I stand on the shoulders of giants.
My Credit Cards Content
Gary Vee’s 4 Ds Meeting Videos are AMAZING!!!
There's a lot of great business content online. I might have consumed an unhealthy amount of it already. Now, I'm more on the application side. So PBD at Valuetainment gets more of my watchtime than anyone else right now. Actionable advice to the extreme. It might be...
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How to Become a Morning Person [Life-Changing Habit #1]
Becoming a "morning person" has changed my life. Only time will tell, but it could go down as a top five factor to my future success. Learning how to wake up early wasn't easy. Until the second half of 2018, I've been a notoriously late sleeper. It started as a kid: I...
How Gary Vee and Nahko Bear Teamed Up to Save My Life
Once upon a time, I was in a deep, dark place. It was completely self-imposed. I loved a girl. She gave me the world's greatest kids. But I was a dick. So she ran away with them. Good on her. It fucking huuuuuuuuurt though. It almost did me in. How? It took me so...
My Month in Personal Growth – July 2018
Two weeks and some change late. No biggie. This thang bout to get shipped though. At the end of July, I took off to Arizona. Predictably, it's gotten me behind on few things. These posts are basically useless to anyone who I'm not close with. So it makes sense to...
My Month in Personal Growth – June 2018
Quarter three, here I come. I've been banging out personal growth posts for six straight months now. January February March April May I'm slightly proud of myself. It definitely feels better than when I promised a slew of work from home posts but tapped out after the...
My Month in Personal Growth – April 2018
4 months down... ...no telling how many I have left to go. Certainly, I'll be growing every month from now until my dying day. But how long will I do this series? Nobody knows. Not even me haha But I will commit to all of 2018. I need to practice consistency...
My Month in Personal Growth – February 2018
Yaaaaaaaaaaay! I made it to my second monthly personal growth post! A year from now, these posts will be a great resource. Again, I'm all about brainwashing myself. Repetition helps. So I will use this this partially as a record of all of my favorite talks. Last...
My Month in Personal Growth – January 2018
As I mentioned in my Grateful as Fnck post: I'm going to try to start a regular blogging habit. It's about time. After all, I've had high-paying copywriting clients for several years now. I should have started writing for myself when I first began my work from home...
Grateful as Fnck
Okay. Okay. Okay. I know. I know. I know. I need to start writing on this blog. And while this post may not connect well to any of the bigger things I want to do with my life, it is connected to my life. Ya see? I have a daily gratitude practice... ...and it has...
Where the Credit Card Game Fits
For me, Money Mastery is basically one half of the
On the same level, I have Economics. It’s the practical side whereas Economics is more about curiosity. egories, already 4 or 5 tiers deep
It has many sub categories, already 4 or 5 tiers deep–and growing as more knowledge does. Like it’s parent category, I break Money Mast into two big chunks… Playing Markets and Financial Literacy.
On the same level, I have Economics. It’s the practical side whereas Economics is more about curiosity.
Final CTA
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