Does Closing a Credit Card Hurt Your Credit Score?

Credit Report

Today we are going to tackle one of the most common questions I get.

Does closing a credit card hurt your credit score?

Let’s start with a succinct answer.

Closing a credit card will likely have little to no effect on your credit score.

Boom. I said it.

Now before you send me an email telling me I’m wrong because your grandma/boyfriend/parent/friend who studied Finance for 2 weeks told you otherwise, hear me out.

Remember that credit advice is a lot like fitness advice.

It’s not always logical, the vast majority of people have absolutely no idea what they are talking about, yet nobody hesitates to dish out (usually terrible) advice.

Stick to the Facts Continue Reading


GFF Reader Success Story – Hotel and Flight to Thailand for $72.80

Thailand Beach

I love unapologetically bragging about some of the amazing successes that many of readers are having.

Some of you are absolutely killing it with free travel, and you deserve to have your stories shared with the world.

“G” is one such reader. He bought my book about 1 year ago (before it was free – thank you advertisers) and hit the ground running.

Last month he booked the trip of his dreams to Chiang Mai, Thailand for less than he spent on his bar tab last weekend.

G was able to book this amazing itinerary using just 3 credit card bonuses (Chase Sapphire Preferred, United MileagePlus Explorer, and Starwood Preferred Guest) and a little bit of manufactured spending.

All told it took about 6 months to accomplish.

Take it away, G.

Tell us how you got started with points and miles. When did you decide to give it a try and what was the tipping point for your decision?

I got started because I wanted to travel to Southeast Asia and had no idea how I was going to pay for it. I started researching how to do this and found Bryce.  I reached out to him and he was very approachable and receptive.  He made me feel at ease and that I could really venture down this path and achieve success.  The tipping point for me was the enthusiasm Bryce had and encouragement he showed to me. Continue Reading


Tools Used by the Pros: One of My Favorite Travel Apps

TripCase Logo

Many of my readers like to picture me as the world’s savviest traveler, cruising through airports with the ease and grace of a Broadway dancer.

Truth be told, that wasn’t always the case.

In fact, I used to be that guy who printed all of his confirmation emails and carried them around in an oversized and overstuffed folder.

It was as awkward as wearing a fanny pack in public but it worked, I guess.

The Rock's Fanny

I like to think I looked this cool wearing one.

Continue Reading


Get More Out of Travel (and Life) by Doing Less

Bryce Hangin' in Maui

Today’s post is going to take a different approach than many of my previous posts.

We’re not going to talk about how to save money on travel.

There is absolutely no mention of points, miles, or credit cards (other than in this sentence).

And yet this might be the best advice I share with you this year.

I promised to help you find freedom in 2015 by expanding my focus beyond the world of saving money on travel. Today is another step to making good on that promise.

Remember that traveling is never in and of itself the goal. Traveling is only the means to accomplish other goals like escaping the grind of day-to-day life, learning self-reliance, and finally being able to unplug and relax.

Which is why today I want to talk to you about how you can get more out of traveling (and life) by doing less. Continue Reading


Will I Lose All of My Points If I Cancel My Credit Card?

Guy who loses his points

A couple weeks ago I made a very costly rookie mistake. I cancelled a credit card without thinking, and forfeited about $400 of rewards points in the process.

Here’s how it went down.

It was a beautiful sunny day in Columbus, which is pretty rare in early April.

I’m sitting in a Starbucks, trying my best to avoid looking like a hipster while sipping coffee and doing my monthly points/miles check-up.

This is a ~20 minute monthly ritual where I take stock of my open credit cards (using my awesome free spreadsheet), tally up my points for future trips, and close old credit cards that are about to be hit with annual fees.

I’ve done this dozens of times now so I have the entire process down to a science. I even copy and paste the same email scripts for closing credit cards. (I’ll share these with you in a future post). Continue Reading


Giveaway – (15) – 15 Minute Chats with Bryce

Giveaway - (15) - 15 Minute Chats with Bryce

Hi again, Travel Junkies.

Last week I introduced you to Marcus, one of my newer readers who just booked 2 flights to Paris for $185. Marcus got started by taking advantage of one of my 15-minute chats in January.

Today, I want to give you that same opportunity.

I am giving away 15 more 15-minute conversations where we can talk about whatever you like.

No sales pitch, no hassles, no BS.

Just 15 minutes of my full attention to answer any of your questions.


Here are some examples of things we can talk about: Continue Reading


Another GFF Reader Success Story: 2 Tickets to Paris for $185

Travel Hack to Paris

One of the things I love to do with GFF is show you some of the amazing results that my readers have achieved with very little time and effort.

I’ve shared many of these success stories in the past, but today’s post features a particularly remarkable result achieved by one of my newer readers, Marcus.

Marcus took advantage of one of my free 15 minute conversations in January and hasn’t looked back since. In fact, he just booked a trip to take his wife to Paris later this month for $185 (more on this later).

Three months ago the idea of traveling for next to nothing was a completely foreign concept to him. Three weeks from today he will be sipping wine with his wife on the Champs-Élysées, having paid next to nothing to get there.

So I asked him to share his story by answering a few questions about his experience so far.

Take it away, Marcus.


Tell us how you got started with points and miles. When did you decide to give it a try and what was the tipping point for your decision? Continue Reading


How You and Your Friends Can Travel to Europe Next Winter for <$200 Each

Bryce and Alexandra in Amsterdam

A couple weeks ago I flew to Europe for the weekend (again).

That’s right. More than 8 hours of flying, each way, just to spend a couple days exploring Holland.

I would say that the trip took a lot of thought and planning, but that would be a lie. In fact, I went from idea to itinerary in less than 30 minutes.

Here’s how it went down.

It was a cold February day in Columbus with the temperature hovering around 0 degrees. Which is beyond just “cold”. It’s “none-of-my-friends-want-to-leave-their-apartments-to-do-anything-fun” cold.

I’m sitting on my couch thinking about my weekend plans for the rest of the month. A quick glance out the window confirms that my entertainment prospects don’t look good.

Winter Beer Fridge

So I Googled “Best European Weekend Getaways”, saw that Amsterdam was consistently on the top of everyone’s list, and booked a flight for my wife and me to go there the following weekend.

It cost about $60 in taxes and fees. Continue Reading