Welcome to Point Me to First Class, the only show for employed professionals,

entrepreneurs, and business owners who are looking to optimize their higher than average

expenses to travel the world.

I'm your host, Stephen G Gimble and I believe that your

expenses are your greatest untapped asset if you know how to leverage them.

Ready to dive into the world of credit card points and miles so you can travel more,

travel better, and travel often. Let's get started.

Welcome back to the podcast everybody. Today's episode is another listener

Q&A segment. This is where I answer questions sent to me by

podcast listeners on a variety of credit card, points, and award travel topics.

So instead of my usual episodes where I take a deep dive into one specific points or

award travel topic, the listener Q&A episodes give me an opportunity to talk a little

bit about a lot of things and that's exactly what we are going to be doing today.

I'm going to be covering questions about applying for credit cards, the difference between

co-branded credit cards versus transferable points earning credit cards and why that matters,

how to strategize where to put airline spend, what credit freezes are, and what they do and

don't protect you from, and more.

As you can tell, there is a broad range of questions that we are going to dive into today, so there should be something

for everyone in this episode. That being said, let's go ahead and get started.

The first question that I am going to be talking about today has to do with getting approved for credit cards and

specifically what to do or how to handle somebody who is relatively new in the credit card world getting credit cards.

So I was sent an email from someone who said that it sounds like having a P2 or a partner in the

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