Tips on How to Manage Your Credit Cards (and How to Get Pre-Approved Credit Cards)

I was doing (yet again) another major room clean-up, when I saw these envelopes and pre-approved credit cards.

The ironies of life - there are people I know who are earning more than I am but are always turned down by credit card companies while the regular worker like me get these pre-approved credit cards that I choose not to activate or use.

How did I do it? I know alot of people want to know how to get approved with credit card application. It takes more than a healthy monthly salary to get approved.

Let me start with my credit card history. When I was younger, I was given a supplementary credit card which I handled carelessly. After that dark years of my life, I promised not to get a credit card. I misjudged myself.

During my first few months in my current company, I received a pre-approved credit card from the same bank which holds our payroll. I thought that everyone in the office got the same offer, but I was one of the few. From that day I got my credit card, until now that I am on my 6th year relationship with this credit card company, I never paid a single amount for my membership fee. How did I do it? I will tell you more in a bit.

From then, I continuously receive pre-approved credit cards.

My Major Credit Card Mistake

My relationship with these credit card companies are not all blissful. I had my months of careless misses to pay my dues - especially when I had 3 credit cards with different cut off dates. But I was able to reverse the charges probably because I got a good credit standing.

Click Read More to know the whole story, and read my credit card tips..

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