Jonquilyn Hill

So if you have a credit card, interest rates are just going to be a fact of life.

And you got to build a credit score if you want to get a loan for a car or to qualify for that dream apartment.

So how can you make that little piece of plastic work in your favor?

Ooh, okay.

All right.

That does sound nice.

I probably need to learn how to utilize my credit card points.

Give me a rundown on the types of things you can earn using a credit card.

What about for people who it's like, oh, I got this credit card debt.

Like, what do I do?

Is this a game they should be playing or is it like, worry about that once we have some other things under control?

One thing I do like to use points for is travel.

If there's an emergency family trip, I can go ahead and use those points.

Or when my friends have destination weddings, my first thing, I'm like, all right, I'll book this flight to Mexico using points.

We had listeners call in about points for travel as well.

If travel is the main thing I want to use those points for, what is the best way to go about getting them?

Okay, so you have your card, you start gathering these points.

Is it better to save them up or should you just go ahead and use them?

I'm curious, how many cards do you have?

Like, how do you keep it all together?