In this TGIF Two Girls Investing Friday episode, Colleen continues a conversation with guest Jaya while Jess is away, focusing on credit card points strategies. Jaya explains she never carries a credit card balance and emphasizes that welcome offers work best when you pay in full, since interest can erase rewards value. They discuss minimum-spend requirements, typical bonus ranges, and using planned expenses (not extra spending) to earn points, including having spouses apply separately to double welcome bonuses. Jaya shares how she booked a Bora Bora overwater bungalow for five nights for about $738, plus flights using points, and outlines using transferable points and timing transfers only when ready to book. She covers managing annual fees via a travel budget, leveraging first-year-free offers, and calling banks for product-change offers to ear ...