Don't 'chase the latest and greatest offer' when applying for a credit card, says this expert with a perfect score.
, but also monthly bills when there is not a processing fee. "Any utility bills or anything I can pay with a card, I run it through the points and then I make one transaction with my checking account to pay off that credit card in full." He rarely ever usesDroske doesn't travel enough to really justify having a. And, despite their popularity, he is also wary to recommend them for everyone.
"There are a lot of different types of offers; you have to find the one that fits your lifestyle and fits your needs the most," Droske says. "If you travel a lot, then that totally makes sense. But if you don't, there may be other rewards cards that you're going to benefit from more just by the way you use it."is a great example of something that is easy to use while also rewarding you for spending and paying your bill on-time.
Droske, who maintains a mortgage and two car loans in addition to his six credit cards, says, "It isn't good to continue to chase the latest and greatest offer because then you'll have a continued flow of opening and closing cards, and that's not good for scores.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
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