67. Hold out for 50,000.
"Airline reward cards are offering great sign-up bonuses, but the offers from the same card can vary by 20,000 miles. Search for a deal for at least 50,000."
68. Don't pay more than 10%.
"Credit unions charge lower rates than the 14% average -- and some are easy to join. For example, if your FICO score is 680 or more, you can join Associated Credit Union and get a 9.9%-rate card."
69. Zero is your hero.
"Discover and Citi are offering amazing zero-interest balance transfer deals for 21 or 24 months on some cards. If you can pay off your balance by then, go for it."