Frequently Asked Questions

Plain and simple, travel hacking is using credit card points and sign up bonus (SUB) points to pay for all or a portion of your travel such as airplane flights or hotels.

This rule is enforced by Chase Bank and stipulates that in order to be approved for a credit card, you need to have opened less than five personal credit cards, across all banks, in the past 24 months.

The short answer is no, travel hacking will not hurt your credit score. It is imperative to pay your balance in full each month. Doing so will ensure you have minimal credit utilization, which is a large factor in determining your credit score.

Yes, absolutely! Being an authorized user (AU) on someone's card does not prevent you from applying on your own. As an AU, you are not responsible for the open line of credit since it is linked to another person's SSN. Therefore, you can freely apply for the same card at any time and still remain an AU on the other account.