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I started signing up for credit cards for their sign up bonuses as well. I signed up for 9 credit cards between my husband and I on 1 day. Our credit scores took a small hit and came back up within a few months. I use automatic balance payments for each credit card so I never have to pay a fee. I don't spend any more than I used to, I just changed the way I spend. I now put EVERYTHING on my credit card as I used to pay cash for certain things. Things I used to purchase in-store, I now purchase online through their shopping portal. For instance: In-store Sally Beauty Supply $300 per year spend would equal 300 points The same online purchase with Chases Ultimate Rewards would get me 2100 points. You just have to know how to use the system. There are also some tricks as to how to spend on credit cards without actually spending money. For example when Staples has Free After Rebate items, you get your money back in the form of a check. etc.. This is time consuming, but I consider this a part time job of mine which can be very lucrative. If this is not for you, then don't do it. But don't knock it!
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Sep 4, 2012