Beginners Guide: How to Build a Credit File

One of the guiding principles of award travel is protecting and maintaining your credit score. Getting approved for top rewards earning credit cards requires a clean credit file and a minimum 700+ credit score. But what if your credit score is under the magic 700 point threshold? Or you’re fresh out of college and trying to build your credit file from scratch?

How Does the Chase 5/24 Policy Work?

One rule we’re asked to clarify on a regular basis is the Chase 5/24 policy. Although not an officially published rule, 5/24 is a set of guidelines restricting the approval of new Chase credit card products to applicants with less than 5 new credit card accounts added to a credit report over the past 24 months.