I’ve Failed My Dad When It Comes To Credit Cards

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I’m responsible for the miles & points strategy for my family, just as I’m sure that many of you are responsible for this with your families. Does someone need help redeeming miles? They call me. Does someone have a question about which credit card to use? They call me.

I appreciate that they do this, because I get extremely annoyed when they do things on their own, say “I didn’t want to bother you,” and then redeem miles sub-optimally. However, at times it can be a lot of work to make sure that your family and friends are “on track” when it comes to points, and over the years I’ve also realized that I need to be proactive in making sure they’re doing the right things.

One of the biggest challenges in helping my parents maximize points is finding that happy middle ground between maximizing points on every purchase while keeping the strategy simple. I have no problem using a dozen different cards to maximize my spend in every category, but I also recognize that for others there’s value in a simple strategy.