Use credit wisely, and pay off your cards in full on or before the due date when you do that you are open to exploiting the good things about credit cards, credit card sign-up bonuses and rewards associated with these cards. These perks will let you enjoy free flights and free hotel stays, making your travel affordable. Sometimes, luxurious, when you get a business class ticket for free, except for taxes.

Often we, personal finance bloggers, ask our readers to limit credit card usage. That’s only applicable for people who have had a bad history is handling credit cards. Typically if you are a person who likes to carry credit card balance month to month you shouldn’t use a credit card at all. financially it makes no sense!

In the last post, I touched upon the idea of credit card rewards and sign-up bonuses. Now I am going to expand it a bit and share my experience with you. For those who’re joining late, this is about travel hacking to get (almost) free airfare and hotel stays, multiple times a year. Let’s embark on the journey now.

I was near 100% credit card user for the last 10 years. I used to pay only mortgage and utility bills using my bank accounts. For everything else, I used credit cards. As a result, I earned a lot of credit card rewards and cash backs.