Your last “splurge” was when you went for the name-brand whole-wheat bread instead of the generic loaf. Your monthly expenses rarely crack $200. If you’re frugal, proud and searching for a credit card, don’t immediately eliminate all the cards with sign-up bonuses just because they require you to spend more in the first few months. But don’t try to meet a spending requirement by buying things you don’t need, like above-ground swimming pools or multiple selfie sticks. For most, it’s simply a matter of applying for a credit card at the right time.

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