It's difficult to resist the cash back offers and sign up bonuses advertised in every bank and on dozens of TV channels every day. $100 back on $500 of spending sounds like a great discount and, in many cases, it is. The right applicant under the right circumstances can take advantage of card companies' latest offers to save money on groceries, travel, restaurants, and large upcoming purchases. But it's important to be careful when applying for and opening new credit cards because doing it in the wrong way can damage a person's credit score and lower their chances of being approved in the future.

A tricky but weighty question is: how often is it okay to apply for a new card? A general suggestion is about six months between applications but, like everything that has to do with credit cards, this varies based on your credit score. Applicants with lower credit scores are required to wait a little longer between applications, to show companies that they're not a risk. Better credit scores allow applicants to apply sooner, though doing so too frequently will still hurt their score. You should also wait slightly longer if you've just been rejected by another company. Hard inquiries will almost always knock a few points off of your score. Spreading them out will avoid damaging it too much.

Be especially careful when:

  1. You're rebuilding poor credit.
  2. You've recently been rejected by another card or company.
  3. You're about to apply for a mortgage or large car loan.

Those few points that fall off of your score after an application might cost you hundreds or thousands of dollars more on a mortgage. Time your applications to avoid impacting upcoming loans.

On the other hand, the best times to apply for a credit card depend on your preferences and spending habits. If you're r building credit, consider secured cards that require a deposit but make it easier for someone without a credit history to begin one. If you already have good credit, you have the privilege of shopping around for the newest and best deals offered by credit companies.

Credit Score Range

Your smart credit habits give you options that include low interest rates, cash back rewards, sign up bonuses and more. To make the most of your new card, try to time any sign up bonuses with large, planned purchases. Often, sign up bonuses come with spending requirements, such as $500 in 60 days. If you're about to purchase a new computer, for example, you can use the new card to fulfill its spending requirement all at once and save $100 on the computer.

If you haven't changed credit cards in five or ten years, it's time to look for lower interest rates and better perks. Card companies always change what they offer to compete with each other, and it's probably better than what you signed up for a decade ago. If you're still paying an annual fee, check out the no-fee offerings, too.

Analyze your spending and shop for cards whose perks best match your habits. Travel miles aren't valuable for everyone. If you eat at restaurants several times a week, look for a card that will reward you for that. Others offer cash back bonuses on gas, groceries or categories that vary month-to-month. Shopping for cash bonuses and rewards is the fun part of having good credit.

A last word on opening a new line of credit: don't close your old card. Unless it charges an annual fee (in which case, definitely do close it), leaving that old, in-good-standing credit line open can only help your score. Credit bureaus account for the age of your credit history and credit utilization when calculating your score. Your utilization is the ratio of credit use to credit limit. Closing an old card will shorten your credit history and, simultaneously, increase your utilization by lowering your total available credit. Both of these negatives are unnecessary: if that old card doesn't cost anything, leave it open.

Your credit card might have become such a regular part of your habit that you stopped thinking about it over the years. But if you've paid it in full and on time to build that credit score into the 700s or even higher, you owe it to yourself to take another look at the card market and shop for lower rates and better deals. It's like shopping for free money—it's the least you can do to reward yourself for your smart financial habits.

Tom Twardzik is a writer covering personal finance, productivity and investing for Paypath. He also contributes pop culture pieces to Popdust, travel writing to The Journiest, product reviews to Topdust and essays to The Liberty Project. Read more on his website and follow him on Twitter.

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I’ve been feeling very British lately. Not in a Union-Jack-obsessed, “Keep Calm and Carry-On” way. I went through that phase in 2012 with everyone else… no thank you. And it’s not even a surge of patriotism catalyzed by the Queen dying — I’m firmly team Diana and team Meghan.

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Quiet Quitting is the latest trend among Gen-Z TikTok that encourages setting boundaries at work

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Toni Morrison has an anecdote about her first ever job, which was cleaning some neighborhood woman’s house. The young Toni arrived home after work one day and expressed her troubles to her father. But he didn’t provide the sympathy she expected. Instead, he gave her something better — his advice:

“Listen. You don’t live there. You live here. With your people. Go to work. Get your money. And come on home.”

Years later, she wrote about this remarkable experience for the New Yorker and said, in hindsight, this is what she learned:

1. Whatever the work is, do it well—not for the boss but for yourself

2. You make the job; it doesn’t make you

3. Your real life is with us, your family

4. You are not the work you do; you are the person you are

What Morrison so eloquently articulated was setting boundaries. I revisited this piece during the pandemic when working from home ramped up in earnest. Back when work was one of the few things that anchored my day.

Without a physical office, the pandemic shattered the work/life balance for many people. There was no more of that physical separation that Morrison talked about. There is no coming home from work physically. There is no real life to come back to — just a manufactured commute to your laptop in your makeshift home office.

But, par for the course, Gen Z are navigating this boundaryless era using TikTok. While internet gurus promote hustle culture and constant online availability since you’re not getting face time with your managers, there’s a trend in town — “quiet quitting.”


@zaidleppelin On quiet quitting #workreform ♬ original sound - ruby


The trend arose from the depths of the pandemic. Layoffs, salary cuts, and furloughs proved that their employers did not care about their hard-working employees.

The Washington Post dubs quiet quitting as a fresh trem for an old phenomenon: employee disengagement. In many cases, it’s a response to burnout. For much of Gen Z, it’s a way of establishing healthy boundaries in the office and resisting the pressure of the rat race. After all, why work yourself to the bone for a company that just proved it’s ready and willing to let you go?

Despite the term’s negative connotations, Quiet Quitting can provide an empowering shift in thinking for employees.

For far too long, employees have been indoctrinated with a slew of toxic workplace advice. Faced with these old misconceptions and lacking job security or clear paths for advancement, Gen Z is untethering their identities from work.

Quiet quitting — therefore — might be a bit of a misnomer. These employers aren’t completely disengaged. They’re certainly not launching Flight Club-esque sabotage attempts on their employers. NO. Contrary to media panic, Gen Z understands the value of a job — the fickle market they entered ensured that. But they also understand the value of life.

They’re doing what they’re being paid for. Nothing more, nothing less.

According to Chief, a private membership network focused on connecting and supporting women executive leaders, older generations should learn from this approach.

“Gen Z has already endured the largest seismic shifts to the career landscape than any previous generation, having started their careers in the middle of a pandemic that changed office culture forever and a gig economy that makes piecing together work more viable. They’re taking both those realities and therefore demanding more autonomy and flexibility than any other generation.”

Gen Z are less attached to job titles and statuses. They’re more concerned about their lives. Sure, this can lead to problematic outlooks on money and experiences — see the “I can earn my money back” TikTok trend. But it’s better than hustling for no reward. Besides, as some Gen Z-ers put it on TikTok, the office isn’t even a vibe.

“With the ability to work from anywhere and for more than just one place, Gen Z-ers are forging their own paths that don’t rely on old patterns set by previous generations and are redefining what “career success” looks like. Gen Z can take note, as more and more leaders are similarly pursuing multiple income streams of their own through the form of a portfolio career. The way in which work looks like and where it happens is evolving.”

With less single-minded focus on one job, some TikTok business gurus advocate shutting your laptops precisely at 5 pm. And then jump onto your side hustle. Do nails or lashes on the weekend. Become social media managers for your phone. Sell soap on Etsy (again … perhaps not in the Fight Club way).

But this valorization of side hustles is not about hustle culture, either. They say job security isn’t guaranteed. Learning new skills and develop an alternate income stream/s to keep you afloat. Just make sure you’re not left in the lurch. BTW inflation is here. So every little bit helps.

But where do you start? Watching TikToks can only get you so far. Try a course on LinkedIn Learning to sharpen up your skills and learn new ones that you can turn into a verifiable side hustle — or leverage in your job search if quiet quitting leads to … real quitting.

Learn on your own time with bite-sized videos or in-depth courses. Watch them after work, before you clock in, or on your lunch break. Then, after your courses are complete, you’ll have certificates prominently displayed on your profile that prove your skills.