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Creditors get nervous if they see a lot of inquiries in your credit history, ... They may think you're ready to leave the country or something if you just applied for 40 cards.

Robert McKinley

History

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If you're very loyal to that particular retailer, it makes it easier to handle returns and so on,
— Robert McKinley
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Don't be swayed by bells and whistles, like reward programs or miles. A lot of consumers are drawn to these, but if you carry a balance, the interest rate may not be worth it.
— Robert McKinley
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Play by the rules, ... Don't give them any reason to take it [a better rate] away or penalize you in any way.
— Robert McKinley
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Making the minimum payment ... is probably one of the biggest expenses any consumer can make, ... You can end up paying for this Christmas for years to come.
— Robert McKinley
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Just pay attention. Make sure you're not given a product you don't want.
— Robert McKinley
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