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How To Be An A-List Credit Card Customer

We all want to be on somebody’s A-List. It means you’re the favorite, you’re the best, you’re a star!

Credit card companies have an A-list too. Those on the list are the customers they love the most. But they love them because these customers make them the most amount of money.

So you might want to do everything you can to avoid being included in this list at all.

Here are some ways you can make the credit card companies love you.

Be late with your payments

Most people think credit card companies want you to be on time, every time. That’s just not the case.

The credit card companies want you to be late. And if it happens every month that’s even better.

Every time you’re late with your payment they will add on additional late fees. Late with your payment again this month, sir? You get a Gold Star!

Don’t ever pay off your balance

Paying off your balance at the end of every month is not the best choice if you want to be included on that A-list.

If you pay your balance off every month the credit card company can’t charge you any interest. Carry a balance from month to month so they can keep charging you interest and they’ll be happy to put your name at the top of their A-list.

Want to be a better credit card customer? Easy, just use up your available balance. The credit card company will notice and will raise your credit limit. They are so nice they’ll give you just enough rope to hang yourself.

Now it’s your turn to keep spending. Hey whatever it takes to earn that gold star!

Ignore Your Interest Rate

Credit card perks are great. That’s all they ever talk about. 0% introductory period, cash back bonuses and rewards oh my!

Know what they don’t tell you? That nasty 20+% interest rate.

And what about those variable rate cards? Ouch. Those are the ones where the rate can climb even higher.

Ignore your interest rate and you’ll be the best credit card customer ever.

Want to drown in credit card debt? That\'s exactly what the credit card companies want. In this article I take a look at how to use your credit cards - the wrong way. #credit #creditcard #cashthechecks

Edwin is the money hacking millennial behind Cash The Checks. He lives a minimalist lifestyle and is always eager to learn and share his methods to save and make money.

  • Keeping In Touch says:

    They figure if they raise it you might spend more than what you can afford to pay back in a month, which is what they want.

  • Jamie says:

    So true. You really have to keep an eye on your rate. And then give the credit card company a call to sell if they’ll lower it again if it goes up.

  • Sherry Rose says:

    I agree! If you are late with payments, they make so much money. I only use my credit card for rewards points and I always pay the balance right off.

  • Krista Brown says:

    I am currently paying 21% interest on my credit card. I bet the banks just loooove that. 🙁

  • Frank Moreau says:

    Ironic that the very things the banks want us to do will essentially send our FICO scores into the proverbial toilet.

    And I can believe you 100% since they refer to card users who pay their balance in full on time as “deadbeats.”

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