Watch those interest rates!

Got this warning from Mint.com this morning for my credit cards. Since the interest rate increase announced this past week, this is a consequence of that decision.
So if you decide to play the points/miles game, I always advise people to pay off the credit cards each month anyway so the rate change shouldn't affect you. But it's worth noting anyway.

Remember when you open a credit card, there are several steps to follow:
1. Open the card, take a photo of the offer so you have proof
2. Write down on your calendar the date you need to reach the minimum and the date about a month before your one year anniversary. This date is important because you want to review the card and decide if you want to pay the annual fee to keep it or cancel it.
3. Set up an online account and put the card on auto pay.
4. Enter the card on a spreadsheet with the date opened, points you will earn, minimum spend, last 4 digits of the card.

If you follow these steps, you will be organized and on your way to almost free family travel.