I’ve always been wary when it comes to credit cards. Even though I’ve never been shy about trying out new fintech apps or opening up new bank accounts, for some reason, credit cards have always scared me. Maybe it’s the fact that a credit card goes on your credit report. Signing up for a new card just seems so … permanent.
My fear of opening up new credit cards probably comes from the fact that my history with credit cards isn’t very robust. I got my first card back in 2006 during my sophomore year of college – a Citi mtvU Visa Card which gave me extra points when I used it at bars and restaurants. The card seemed pretty good and it served as my daily use card throughout my 20s. In 2012, Citi changed the card over to a Citi Forward Card, which was the card that I was using all the way through the beginning of this year. The only other card I’ve gotten during that time is a Target Red Card that I accidentally got when I was actually trying to get the Target Debit Card.
Because of this fear of credit cards, I’ve pretty much missed out on the whole travel hacking craze…