How I fly Business Class everywhere (for free) and so can you

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7 Responses

  1. Sam says:

    Nice life hack Steve. Sounds like you could just about start a paid service for life hack tipping 🙂 Missed the boat in the Amex offer. Any others you could recommend that you’ve seen?

  2. Sam says:

    Also, have you had experience with different rewards programs? Any better than others? Even experience transferring points from one program to another (if that’s a thing)?

  3. admin says:

    The only two I use are Velocity and Qantas. Can be very hard to find business seats, but being very early or very late usually helps.

    Each airline is part of a bigger group. So Qantas has AE, BA, Qatar and a heap of others. Virgin has Ethihad, so on.

    You can transfer points across to other programs, I have never bothered.

  4. Paul says:

    You do realise that your credit rating is influenced by how many credit cards you sign up for regardless if you pay them off or not. This is a classic way to destroy your rating. I thought about doiong this previously but a quick search about it and I could see the major drawbacks pretty quickly.

  5. admin says:

    Hey Paul, a classic case of not doing your research. When you apply for any sort of credit your rating takes a hit, if you have more credit, you are actually more creditworthy. Also you might be looking at how the credit agencies in America work compared to here in Australia.
    If you are looking to get a large loan, there are so many things they take into consideration today (they were much more lax just a year ago). The key is your ability to pay back any credit.
    The big take away is to never use credit unless you will receive more back from it.

  6. Paul says:

    Actually I am talking about Australia. A few read of the top posts about credit card turnover affecting credit ratings bring up links like this:

    https://www.pointhacks.com.au/questions/question/lots-of-credit-card-applications-impact-on-credit-score

    It does seriously impact your credit rating in Australia. Just saying you may want to be careful or you may find your impacted further down the line without even knowing it.

  7. admin says:

    Hi Paul,
    That’s one person’s comment. The second response even says that Australian credit reporting used to only be negative reporting (if you didn’t pay debts off in time). He is unsure how it works now.

    From my own experience (what other can I take), my credit rating has improved over the years of getting numerous cards. That doesn’t mean that if you do get these cards your rating will improve as well. It would be one of many factors.

    As always, do your own research and talk to people in the know (if you are planning to get a big loan).

    Also, thanks for bringing up opposite opinions, it helps people see all sides.

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