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Make sure that you can transfer points between cards if that’s the case.Chase offers the option to transfer points between Chase cards which makes it easy to cash in your points later.Thus ending up with twice the debt and sometimes defaulting.The fact you have K in debt already demonstrates you do not handle credit very well. Yes the 5000k loan would pay one off, so I’ll prob do that to help on one of the cards interest rates.If you only use your credit card for an occasional purchase here and there, you won’t be able to build up your points balance quickly.
To me, that seems like a lot of work just to get some extra Southwest credit, but perhaps I’m lazy. She has an upcoming trip that is saving her 0 just by redeeming her points for gift cards.You can either pay yourself out from your points bank on a regular basis or cash out at the end of the year. I like to accumulate points and cash them in for a big trip.Jessie Khoury, a 28-year-old from Texas, likes to wait for her credit card points to equal the amount of a Amazon gift card.I applied for a personal loan for the same amount, hoping I could get a lower interest rate.I was denied the loan and offered one for 5.000 for 10.5% interest...
In many cases, credit card programs offer additional perks for spending categories.