Secrets of Success

Your Credit Card Pays You



You need to total all of your bills for a month, including all groceries.

When you've done this, clear a credit card and have it changed to one that either gives you cash back or points to use for purchases or airline flights, whichever you want more.

More Information:

Keep track of all your utilities you can tie to the card and all of your monthly purchases, just like you would use a check-book.

At the end of the month, pay off all but $15 (to fool the computers into believing you have a continuing active card and it's used every month). Earn max return.

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Member Comments

  • If I might add, pay it OFF every month or DON'T use it! - by TEAMDIABETES
  • You don't need to leave a balance on the card to make the computers think it's active. As long as you make purchases every month, you can pay it off in full and it is still considered active. Did this with American Express for years. - by VAMANOS
  • I have not thought to do this with my monthly bills, but I do all my grocery spending and such on my card. That is actually a great idea!
    And... to be sure we are keep really close tabs on our card, we actually pay it off weekly. It keeps the balance from being alarmingly high, and we are VERY in touch with how much we are spending and how much we owe. - by BOHOBONFIRE
  • Make sure that you use a card that doesn't have an annual fee for this, or you'll have to rack up a lot of rewards to really make any money! - by PAG2809
  • I have one that pays my mortgage. It's great! emoticon - by LINDAC714

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