In a previous post I outlined how Travel Hacking and applying for credit cards affect your credit score but I neglected to show you proof.  If you remember, I recommended two services that will provide you your credit score for free, Borrowell and Mogo.  Well, just the other day, I got an email from Borrowell telling me that I had an updated credit score.

In June of 2016, my credit score was a respectable 698 and since that time I have applied for and been approved for the following cards:

  • RBC Visa Infinite Avion
  • RBC British Airways Avios
  • American Express SPG Business
  • American Express SPG Personal
  • MBNA Alaska Airlines World Elite Mastercard

Each one of these applications would have resulted in a hard credit pull so my score would have declined by 4-8 points for each application but because I am further establishing a good payment history and a very good credit utilization (both topics covered in the previous post), my score actually went up … 27 points to be exact.


One of the most common worries about people entering the Travel Hacking game is how all these credit card application will affect your credit score.  I always tell people that if you pay your bills on time and don’t carry a balance, your score will go up but that’s sometime hard to believe.

Here is empirical proof that Travel Hacking actually increases your credit score.  I will keep track of all my credit card applications and update you with my new credit scores so you can see that this isn’t an anomaly

Click here if you would like to get these tips, reviews and travel hacking secrets right to your inbox for free.  

Jayce is the founder of PointsNerd, and avid traveller and a teacher by nature. He prides himself on flattening the learning curve through step-by-step guides because everyone needs to start somewhere.


Please enter your comment!
Please enter your name here