How Credit Card SUBs Messed With My Brain

You can earn or lose $$$$ depending on your discipline and self-control.

Irtiza Hafiz
6 min readOct 13, 2023
Photo by Paul Felberbauer on Unsplash

Late last year I was introduced to the world of consumer credit cards. It was fascinating!

I learned about different ways to get a 5% discount on almost everything I buy, rack up millions of points for free travel, get free travel insurance, phone insurance, and so much more!

Growing up in Bangladesh, I was always taught about the dark side of credit cards. And don’t get me wrong, there are horrible paths you can go down if you are not careful.

However, if you use credit cards responsibly, you get so much value that the mere thought of using debit cards will make you want to throw up.

With a strategic setup of multiple credit cards, every year you can save thousands of dollars and earn tens of thousands in free flights and hotel stays.

So, to create a multi-card setup, you need to start applying for new credit cards. That’s where SUBs come in.

What Are SUBs?

Most credit card companies give you SUB or “Sign Up Bonus” when you get approved for a new credit card.

These SUBs can take many shapes and forms. To explain it better, here are a few…

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Irtiza Hafiz

Engineering manager who writes about software development and productivity https://irtizahafiz.com