I was told to hate credit cards. Now I have a total of 8. I have a really good credit score while rotating my credit cards and ALWAYS keeping 0 balance. It all comes down to education, focus, discipline and good habits. For people that have really bad impulse buying issues, I would recommend caution. Great Video Tutorial!

@MarkReese

2 жыл бұрын

Hey there - well said, and congrats on breaking the old mindset to build up an 8-card setup for yourself! 😃💯 Which cards get the most use?

@alisf12

2 жыл бұрын

You’re right, I just hate the credit score system in general. It’s a system designed to keep you in debt and with the little education given about credit cards in schools it’s not hard to see how people find themselves drowning in debt. Yes they might be at fault personally but the system isn’t great either

@vacationboyvideos

2 жыл бұрын

@@alisf12 your cute

@alisf12

2 жыл бұрын

@@vacationboyvideos *you’re

@vacationboyvideos

2 жыл бұрын

@@alisf12 u wrote me? 😍 Thank u, u can correct me anyday!😍

this has been the clearest video i've seen on the subject so far. I really appreciate you walking us step by step! i can't wait to try this when corona is over!

@MarkReese

2 жыл бұрын

Hey Zoe! Did you get any new cards w/ big bonuses this year to save up for a post-corona trip? 😃✈

@anuj8825

2 жыл бұрын

Did you try it yet?

I seriously love your honesty and transparency. Your advice is solid! Thanks erika

@MarkReese

2 жыл бұрын

Hey Michelle! Since watching Erika's video earlier this year, did you decide to get any new credit cards to save up points for a future trip? 😃✈

Great content and I love the calculations! As a side note for those in Europe, with most flight carriers your best value comes with upgrades from Economy to Business Class. This is especially true for trans Atlantic flights.

@MarkReese

2 жыл бұрын

Hey Kai - right on 👊 Those international flights in premium cabins can give awesome value for points / miles 😃✈️ Which cards are you using most regularly?

The examples were great and the timestamps to skip to the more advanced skills were helpful! Thank you!

@MarkReese

2 жыл бұрын

Hey there! Did you get any new cards w/ large bonuses in 2021? 😃✈

Thank you for the video. I saw someone else talk about how you can leverage credit cards to travel and I'm interested in getting started. What I like about your video is that you actually listed examples on how you can plan a trip and decide if you want to pay cash or use points. I currently only have one card which I've had for years and basically use it to accumulate points to buy Christmas Gifts for my kids but I think now I'm interested in taking it to the next level and use to travel.

I meet my minimum spend by dropping it on Hennessy shots at the club the night before I board my free flight Tokyo. True story.

@MihadAlzayat

4 жыл бұрын

Erika Kullberg - Personal Finance Tips I loved it so much. I only realized you live in Tokyo after I left my comment. What are you doing there if you don’t mind me asking? From your mug I’m assuming you went to Georgetown for law?

@MihadAlzayat

4 жыл бұрын

Erika Kullberg - A Lawyer's Personal Finance Tips thanks for the thorough response, always cool to learn about someone else’s life. I’ve lived in Northern Virginia for a while now, since 13. I went to Tokyo and South Korea this year for about 3 weeks each, really enjoyed both but I see myself being in japan if I didn’t have to work their insane hours. Currently a software engineer and trying my hand at KZread. I’ll see where it goes. Your videos are solid and the editing great. Keep it up and stay in touch. Feel free to reach me at my email which is on my channel. Cheers

@suavecito6114

3 жыл бұрын

@@MihadAlzayat shut up simp

@stylez914

2 жыл бұрын

This is totally something I’d do 😂😂

@drewdawson3830

2 жыл бұрын

😂😂😂 brilliant

I have heard these concepts before but your clarification was the best

This was soo helpful! Thank you for breaking this subject down step by step

@MarkReese

2 жыл бұрын

Hey Natasha - totally agreed! 😃💳 Did you get any new cards earlier this year to save up rewards for future trips?

You did such a great and clear job explaining - thank you!!

@MarkReese

2 жыл бұрын

Hey Samira! Did you get any new credit cards throughout 2021? 😃💳

This is DEEP!! I love it. I am wanting to do more international and domestic flights

Great points, you actually answered all of my questions, thanks for posting!!

@MarkReese

2 жыл бұрын

Hey Estifanos! Did you get any new card approvals in 2021 after viewing Erika's video? 😃💳

I am a major points junky having used these techniques for years. This was the best video I’ve seen on the subject overall - great job!

This is still the best and most succinct tutorial. Kudos!

Loved the personal breakdown of points vs. dollars. This is my struggle with my CS Preferred card. Something in my spirit just doesn't sit right with paying more in the portal vs. in cash. Usually, I judge it off a $100 difference but this is a better strategy. I've been considering my next card so I took tons of notes. Thank you!!

Great video, Erika! I learned so much from this video. I will start making my travel plans using my credit card. So excited! Thank you.

@MarkReese

2 жыл бұрын

Hi Yoko! Did you apply for any new credit cards since watching Erika's video a couple years ago? 😃💳

this was REALLY helpful. i’m new to utilizing credit and you are definitely helping. thank you for this!

@MarkReese

2 жыл бұрын

Hey Gerald! Awesome that you're now in the credit game 👊 Which cards have you gotten so far? 😃💳

I had no idea about the length of open credit cards affecting your credit! We use the Chase Sapphire card for everything! Looking forward to more financial tips! New subbie here!

Thank you Erika! What a logical simple outlay. I love it ❤️ Of course I did subscribe 🙌🏽🎉

Thank you very much for your time and posting. Every teenager should watch this.

This has been very helpful.. Thanks a bunch, love how you break down your POV, am guessing the judges in your cases really understand where you're coming from👌😊💯🎯 Fan from Uganda 🇺🇬

This is such a thorough explanation! This year I got the venture, and 2 chase ink business cards and just booked Hawaii + Japan for free! Also thought I had subscribed and needa binge your vids

@SeanLei

4 жыл бұрын

@@Erika2 Tokyo and Kyoto end of May! Definetly as the trip gets closer I'll ask you for recs 😁

Such an excellent video! Very thorough and extremely healpful!

@MarkReese

2 жыл бұрын

Hey there! Did Erika's video from awhile back get you into the credit card rewards game, too? 😃✈️

Hi Erika, thank you for your channel! These hacks are really helpful ☺️

Great video, one of the best that I have seen thoroughly explaining not only the topic but strategy as well breaking down the cost analysis of when to use points rather than cash. My question is could you explain more how to close cards when your churning credit cards without it affecting the length of your credit card history?

@Erika2

2 жыл бұрын

Thank you! The best way when you can is to downgrade the card. Also for the credit card history, this is why you always want your first card to be one with no annual fee--because you'll want to keep it open forever (since that will serve as your credit card that you've had open the longest)

Very interesting information and well done video as before, Erika!

Amazing! Best video ive seen on this topic.

Excellent, well organized, presentation.

This video was so helpful. People brag about travel hacking, but won't usually go into such detail as you have here. Thank you so much, this guves me confidence to finally try my hand at CCs w/points.

What a thorough breakdown. Thank you for the video. You got a new subscriber here

This is an excellent video because your explanation of travel hacking is comprehensive. So much so that I shared your video with friends. Thank you for producing this!

@MarkReese

2 жыл бұрын

Hi L.A. Rivas, Esq. - have you added any additional credit cards to your wallet over the past year? 😃✈️

Thank you Erika. You put a lot of effort into making your videos. This is very informative as I knew nothing about this topic. Now I where to start 😀

@Erika2

4 жыл бұрын

I’m so glad to hear! Thanks!

@MarkReese

2 жыл бұрын

Hey Kit! Over the past year did you open up any new credit cards since watching Erika's video? 😃✈️

love the background setup

The example was awesome and key for me to understand.

Excellent video! Love the b-roll clips you created.

@NickPeitsch

4 жыл бұрын

Erika Kullberg - Personal Finance Tips I was thinking that’s gotta be a BIT awkward 😂

@FlamingBasketballClub

4 жыл бұрын

Did someone say snipe? 🤣😂🤣😂🤣

@FlamingBasketballClub

4 жыл бұрын

@@Erika2 🤣😂🤣😂

This was very very very helpful thank you so much !

@MarkReese

2 жыл бұрын

Hey Reesie! After watching Erika's video earlier this year, did you decide to get any new credit cards? 😃💳

I really liked the .02 to justify using the points. I value them more after watching this great video. Thanks

@MarkReese

2 жыл бұрын

Hey Mike! Which credit cards are you using most to earn rewards right now? 😃💳

Thank you! Well explained 👏🏼👏🏼👏🏼👏🏼

Great information you shared. Great video as well.

Hi! New to your channel and love it! Can you do a separate video on Chase Freedom and how to redeem points to travel?? Thank you!

What a great education on credit card bonus hacks!. thank you for your information.

Extremely helpful!

So informative. I’ve been saving my points but afraid to use them become I didn’t know how to figure out if it was worth it or to pay cash

Very educational. Thank you very much!

My problem with this strategy is two. First with airlines, I typically do not know which airlines would offer the best deal. So you may start accumulating points on united to exchange for a $1000 ticket, then Philippines airline comes in and offer a $700 flight. So you end up not using those points. When using points for hotel, usually only high end hotels allow that. I usually just stay in cheaper or boutique hotels which are cheaper. So in the end I find myself spending less if I buy ticket and hotels with cash and using points as statement credits than to use the points directly to purchase.

What a great video! Thanks for the advice

@MarkReese

2 жыл бұрын

Hi Juan! Did Erika's video encourage you to get any new cards this year? 😃💳

Thanks Ericka your info is helping a lot 👌

Great video!!! Love this information

Thank you for making this video !!!! I want to start traveling more next year and I want to know what the best credit card is for me ! Now I’m set to apply for a new card ! 🥰

The examples are super helpful thanks

Love the channel... you’re awesome!!! Good info..😉

@Erika2

4 жыл бұрын

Thanks so much!

@MarkReese

2 жыл бұрын

Hey Roberto! Did you get any new credit cards this year? 😃💳

Thank you Erika , very informative

@MarkReese

2 жыл бұрын

Hey Mohammed - have you gotten any new credit cards this year? 😃💳

Thank you so much . Much needed video from a women’s point of view 🤗

@MarkReese

2 жыл бұрын

Hey Esther! Are there any travel cards on your radar for 2022? 😃✈

You’re into the credit card game too! 😄🙌✈️💳 Great video!

@hustonbrayan6095

3 жыл бұрын

Legit?? I bought a cc from *Ericroboti* on telegram best Vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps

Thanks Erika I really liked this video!

@randystover5

Жыл бұрын

I'm not sure what that is

Learned something new! Thanks girl

@Erika2

3 жыл бұрын

I'm so glad!

@MarkReese

2 жыл бұрын

Hi Leyanna! Did you decide to apply for any new credit cards this year since watching Erika's video? 😃✈

Thanks for the content! What is your thinking process for credit card shopping? And I’d love to hear your insight/opinion about Amex!

Finally the first! and Only step by step of travel partners. I always get so confused at this point. Thank YOUUUU! Do you maximize hotel stays with cards?

@MarkReese

2 жыл бұрын

Hey Linda! Regarding your question above, were you referring to using a hotel-specific card to earn more points at a particular chain? Or something else? 😃✈

Wow this was super helpful!

I have not paid for travel in over FOUR YEARS because of those sweet, sweet credit card points. Totally agree!

@TheGoldenAgeofHardRock

4 жыл бұрын

Same here Kevin, we've already booked hotels and flights next summer to Vancouver and Honolulu. Flights and hotels all free!

@TheGoldenAgeofHardRock

4 жыл бұрын

@@Erika2 The Hilton at Waikiki Beach!

@TheGoldenAgeofHardRock

4 жыл бұрын

@@Erika2 Love maxing out those Hilton Honors points!

@chatitobbq4613

4 жыл бұрын

@@TheGoldenAgeofHardRock which cc you have ty.

Great info!

Just starting this process and your video was so good and answered a lot of questions that I'm definitely subscribing!

@Erika2

3 жыл бұрын

So glad to hear!

@marlondohall3161

3 жыл бұрын

Erika can you book me a flight using your point for a total stranger really need the help to get home had a return ticket from Antigua to Jamaica but did put a pass on my ticket because I wasn’t ready to leave and that cost me to lose my ticket reply if you want to help the airline is Caribbean airline

@marlondohall3161

3 жыл бұрын

Please do if you can would really appreciate it because I really don’t have the money to buy a one way ticket really broke have been here to months and no job as yet so I really want to go

@MarkReese

2 жыл бұрын

Hey Phil! Did you end up getting any approvals for new cards this year? 😃💳

@philluv

2 жыл бұрын

@@MarkReese I actually did!! Went to disney world and paid nothing for airfare, rental car, or hotel!

Almost 19k!? That's cray cray! I need to step up my travel game :) Looking forward to your 200k debt video!

@MarketScraper

4 жыл бұрын

@@Erika2 Will do, thanks Erika!

Love your videos great advice 💯🙏

This was super helpful

This is AMAZING! ❤❤

WOW, she is one honest Lawyer in America.

Awesome example of how being financially responsible with credit cards and finances can reward you BIG TIME! We do the same in our household. EVERY expenses go on the credit card we share to get more points. We love traveling, so getting more points for us is a big deal.

I've been doing this for yearsss. I didn't know it had a name. 😅. But as you explained clearly...BE DISCIPLINED! If debt is created, you're doing it wrong. Thanks for your insights.🤗

I like how meticulously you track your spending/savings. Also, that you emphasize taking advantage of your day-to-day expenses with the card that offers the best deal. Where are you planning on traveling next?

@MarkReese

2 жыл бұрын

Hey Mathilda & Mike! Did you two get any new cards in 2021 to earn rewards for a future trip? 😃✈💳

Lifechanging!!! Thanks for introducing me to travel hacking

this is Sooooooooo helful! thank you so much

Great tips and hacks..I didint know this hack when I had a chase freedom credit card not that I use it for flights but just dinning out,but its good to know,I'm planning on taking my possible first flight next summer to Orlando great vid.

@jermaineboyd6594

4 жыл бұрын

@@Erika2 I wish that was the case its a conference...spiritual that is and business.. On your video after next can you do one with money making apps?

@jermaineboyd6594

4 жыл бұрын

@@Erika2 I look at some a give you some apps names that makes money

@MarkReese

2 жыл бұрын

Hey Jermaine! Have you added any additional credit cards to use alongside your Chase Freedom card? 😃💳

Hi Erika thanks for your great advice following

You are AMAZING. 🤗 I just discovered this channel. Thinking of subscribing

@Erika2

4 жыл бұрын

Thank you!

@MarkReese

2 жыл бұрын

Hey Jonah! Since watching Erika's video earlier this year, did you decide to open up any new credit card accounts? 😃💳

@YouEsqEnt

2 жыл бұрын

@@MarkReese why you ask

@MarkReese

2 жыл бұрын

@@YouEsqEnt - Curiosity, I enjoy learning what people use ✌️

Nice to meet you,I learner

Max rewards is a literal life changer when it comes to tracking all the things mentioned in this video

@MarkReese

2 жыл бұрын

Hey Junior - totally agreed 😃👊 Have you been liking it yourself?

Very helpful, thanks!

@MarkReese

2 жыл бұрын

Hi Noelle! Are you using any credit cards to earn rewards on your monthly expenses? 😃💳

Thank you Erika, this was super useful.I also have Chase Sapphire Preferred. In your example, when deciding the cents/mile, you compared both for Singapore Airlines. What if there was another airline which was cheaper? How can you compare miles across different airlines then?

It's great to see a fellow Tokyoite give succinct and useful advice on Personal Finance! :) One question: Which Japanese credit card do you recommend? I am looking to accrue points at low cost. I am a student.

so helpful!. ty!.

Great video

I love your KZread channel! :)

Hi! Super helpful video. Do you have a template of the spreadsheet you can share? I like your system of keeping track of the cards :)

This was actually a perfect explanation!

@MarkReese

2 жыл бұрын

Hey Javon - totally agreed. Have you gotten any new travel rewards cards in 2021? 😃✈

@boltononabudget7423

2 жыл бұрын

@@MarkReese yes! I went pretty hard haha chase sapphire preferred and chase sapphire reserve (I did the mdd), United Explorer Business card, and just got the Amex platinum last week. Hit the SUBs on the first three. Working on the platinum now

@MarkReese

2 жыл бұрын

@@boltononabudget7423 - Heck yeah! All of those cards had crazy-high bonuses this year; well done! 😎👊 What did you mean by "the mdd?"

@boltononabudget7423

2 жыл бұрын

@@MarkReese mdd is the “modified double dip”. It’s a work around to be able to get the chase sapphire preferred and chase sapphire reserve at the same time. You apply for one card and 24 hours after the first card is approved, you apply for the second card. This bypasses chases one sapphire rule

@MarkReese

2 жыл бұрын

@@boltononabudget7423 - Fire!🔥How long ago did you that?

Good quality content :)

I currently have 16 credit cards. It's a super fun hobby.

@Erika2

4 жыл бұрын

Haha, that's amazing! You have me beat!! I guess that's why you're my go to for credit card advice :)

ANA is so amazing. It is so cool you live in Japan.

@MarkReese

2 жыл бұрын

Hey there! Do you fly ANA often? 😃✈

thanks I am a new travel agent and I want to learn as much as I can

Love love your video! I have a question regarding expiring American Airlines points. Can you ask for an extension?

Great video Erika. Could you please do a similar video for Japanese credit cards?

Thanks for the info! Question: How soon can you reapply for the same card that you recently cancelled and get the bonus again?

Awesome content!!!

@MarkReese

2 жыл бұрын

Hi Hazel! Did Erika's video get you into the credit rewards game at all? 😃💳

@hazelgacula8672

2 жыл бұрын

@@MarkReese absolutely! Happy holidays

@MarkReese

2 жыл бұрын

@@hazelgacula8672 - Awesome! Right back at you 🎅

LOOOVEEED THE VIDEO!!!! I am new to Credit cards and really want to make use of this. Could you create more credit card videos(a playlist) with videos such as best credit cards for beginners(to cc and travel hacking), I have read the descrip and seen this but I'd love to see a more in-depth video on this as well as other credit cards (with travel points of course) that work in Europe (UK, Spain etc)(west) Thanks!

@Erika2

4 жыл бұрын

YAY! I'm so glad you liked it!! Will definitely try to put out more credit card videos! :) I'm unfortunately not familiar with what works in Europe. Is that where you're based?

@gonzalo4526

4 жыл бұрын

Erika Kullberg: Finance, Investing, Passive Income yeah

@MarkReese

2 жыл бұрын

Hey Gonzalo! Awesome that you're also into the credit card rewards game 😃👊 Do you have any new cards on your wish list for 2022?

You have a thumbs up from me before i even listen to you !⚖️🇺🇸💖🌹

@MarkReese

2 жыл бұрын

Hey Joseph! Did you decide to get any new credit cards this year after watching Erika's video? 😃💳

Great video! Do you take into analysis the number of points for the flights if you were to book through the chase travel site? Since you have the reserve card, could that translate to using fewer points?

@MarkReese

2 жыл бұрын

Hey John! Yep, it's often worthwhile to compare the mileage rates directly with the airlines vs. bank portals to choose the option that requires the fewest number of points 😃✈ Which cards are you using most at the moment?

Wait, are you are lawyer living in Japan? Thanks for sharing these travel trips. You just got a new subscriber. (=

@Erika2

4 жыл бұрын

Hi! I am! Thank you for subscribing :)

ERIKA! I LOVE YOU!

@Erika2

2 жыл бұрын

Love you!!

@amirahjackson9884

2 жыл бұрын

@@Erika2 do you have a video on traveling w regular credit cards vs. business credit cards?

Thanks Erika

Hi Erika, new to your channel and absolutely love your videos. I was curious to know what resources you use to stay on top of the most up to date deals regarding signing bonuses/etc when it comes to new credit cards. You have beautiful teeth by the way. Thank you very much for you time,

@MarkReese

2 жыл бұрын

Hey Derek! There are a number of excellent travel blogs to stay on top of great signup bonuses 😃👍 Some of the ones I use are: - Doctor of Credit - The Points Guy - One Mile At A Time - View From The Wing - Frequent Miler Did you get any new credit cards in 2021? 💳