{"id":748,"date":"2011-07-27T07:14:54","date_gmt":"2011-07-27T13:14:54","guid":{"rendered":"https:\/\/worldwanderlusting.wordpress.com\/?p=748"},"modified":"2013-01-08T11:47:30","modified_gmt":"2013-01-08T18:47:30","slug":"before-you-apply","status":"publish","type":"post","link":"https:\/\/worldwanderlusting.com\/?p=748","title":{"rendered":"Before You Apply"},"content":{"rendered":"<p>Because we are extremely sensitive to the importance of keeping your credit and your financial well-being in good shape, there are a few considerations we&#8217;d ask you to make before taking advantage of credit card reward bonuses. We have other great posts from the past that talk about the importance of credit.\u00a0 Browse through them and ask us questions.\u00a0 We are here to help.<\/p>\n<p>We might seem overzealous at times to encourage you to get a new credit card, but our purpose is for you to do it with caution.\u00a0 We understand that your credit is necessary and it could negatively affect you if you don&#8217;t manage it properly.\u00a0 For that reason we&#8217;ve come up with a few very important items to discuss today.<\/p>\n<p>First, <strong>never, never<\/strong> pay interest. You&#8217;ll notice that we never talk about the interest rates on the cards we&#8217;re discussing. It&#8217;s because <strong>we pay the statement balance in full each month<\/strong>. We are using the cards as if they were debit cards.<\/p>\n<p>Second, <strong>never, never charge something that you wouldn&#8217;t otherwise buy<\/strong>. You must refrain from the temptation to make those kinds of purchases. If you don&#8217;t have that kind of discipline, then using credit cards to secure free travel might not be the best option for you- Because it wouldn&#8217;t be free in that case.<\/p>\n<p>Third, <strong>always, always<\/strong> <strong>pay on time<\/strong>. <a href=\"http:\/\/track.linkoffers.net\/a.aspx?foid=2838358&amp;fot=9999&amp;foc=1\" target=\"_blank\" rel=\"nofollow\">Mint.com<\/a> is a phenomenal resource to ensure that your balances are organized and paid on time. It&#8217;s a free service, so don&#8217;t hesitate to use it.<\/p>\n<p>Fourth, always, always <strong>be sure that you can meet spending requirements before applying<\/strong>. For instance, if a card requires $4500 in spending over three months, and you won&#8217;t have $4500 in chargeable expenses, don&#8217;t put yourself in the predicament of having to charge things just to meet the obligation to get the bonus.<\/p>\n<p>If you follow these simple rules, you&#8217;ll win the game. But remember that the moment you become reckless with your finances, you&#8217;re no longer taking advantage of these amazing bonuses, you&#8217;re being taken advantage of.<\/p>\n<p>Wanderlust with us.<\/p>\n<p><a href=\"http:\/\/track.linkoffers.net\/a.aspx?foid=2865931&amp;fot=9999&amp;foc=2\" target=\"_blank\" rel=\"nofollow\"><img decoding=\"async\" alt=\"\" src=\"http:\/\/content.linkoffers.net\/SharedImages\/Products\/163454\/523591.gif\" \/><\/a><br \/>\n<strong><br \/>\n<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Because we are extremely sensitive to the importance of keeping your credit and your financial well-being in good shape, there are a few considerations we&#8217;d ask you to make before taking advantage of credit card reward bonuses. We have other &hellip; <a href=\"https:\/\/worldwanderlusting.com\/?p=748\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[11],"tags":[107,128,129,54,175],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p1DhXV-c4","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts\/748"}],"collection":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=748"}],"version-history":[{"count":0,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts\/748\/revisions"}],"wp:attachment":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=748"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=748"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=748"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}