Good morning everyone. As you know (if you read this blog regularly), I was recently approved for 6 new credit cards during my latest App-O-Rama.  Keeping track of 6 credit card sign up bonuses and minimum spending requirements can be challenging, but I have a trusted system that I developed over the years.  After activating each new credit card online or over the phone, I call the customer service number on the back of the credit card and ask the rep some questions:

• I ask to change the bill due date (I set all my credit card due dates to the first of the month).
• I ask to lower the cash advance limit to $0 or as low as possible (unfortunately, this is not possible with some credit card companies).
• I ask to enroll in paperless statements and text alerts (most of the time I end up setting this up online myself).
• *lastly, but most importantly* I ask about the details of the credit card sign up bonus (double checking that the sign up bonus, minimum spending and time range match my records).

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