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New to credit cards
My name is Mary, I’ve been traveling the world for 6 months and don’t know when I’ll go back to “normal life”. I am extremely interested in the world of credit cards and earning points/miles, but am really overwhelmed by all of the information!
To date, I’ve never had a credit card. Also, I don’t spend a lot of money (backpacker’s budget), and don’t have a consistent job, per say. (Although I’ll need to get a work visa soon to build funds back up.)
I really want to get a card (or a few), but am completely confused on where to start and if it’s even possible with how little spending I do!
Any help is much appreciated. 🙂
Honestly it’s hard to provide advice Mary. If you don’t spend much it’s going to be hard for you to meet spending targets to get cut off bonuses. You’ll also need to set up some way for you to be able to take delivery of US cards and find ways to remit payment. There are some cards with low or no minimum spending but usually the offers on those are lower as well so there are trade offs. They’re also usually less likely to be foreign transaction fee free. If you plan to spend some time in the US to replenish funds, it might be a good time to get and use cards and build a stash of points.