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How I Got 800+ Credit Score While Traveling Abroad!

Do you want to get an 800+ credit score? You don’t have to sacrifice your life in order to do it. You just need to understand how credit scores work.

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I like to check my credit score monthly.

So, while traveling around the world I decided to review my credit score and noticed that it was over 800! Woohoo!

A couple of years ago, my credit score was in the low 600s! What the what?

So how did I increase my credit score?

Say what? I know this won’t make sense for many people. The popular thought is that you have to work harder in order to increase your credit score. I believe you just have to work smarter.

When you know your numbers and have control over your money, anything is possible. You can choose what type of life you want to live.

Resources to Help You Get 800+ Credit Score

If you need to get your money in order, join the Wealthy Women Daily Net Worth Challenge FREE Facebook Group and work with a financial coach.

You can also send me an email at if you need any pointers and you can also gain access to FREE money + investing tips by joining Wealthy Women Weekly.

So, how did I increase my credit score?

These are some of the things I did:  

1. Invest in dividend-paying stocks.

I decided to invest in more assets instead of debt.

Now I get checks in the mail and dividend deposits in my account from various companies every 1-3 months!

What’s so awesome about receiving dividend income is that I earn money without adding another item to my to-do list. My money is making more money for me. Now, I have more money available to pay off any debts I owe. And paying off debts increases your credit score!

Grab your copy of Dividends Are a Queen’s Best Friend to start your investing journey. If you’ve already read the book, please leave a review on Amazon so we can spread the word to more people. Appreciate you!

If you want a list of Dividend Stocks and investing strategies to explore every month, check out the Dividend InvestHER. Right now, it’s less than $6 a month! WOW! You can choose a cup of coffee/tea or learn how to increase your investment opportunities. You choose.

2. I received checking account rewards to assist with my 800+ credit score goals.

Banks are paying me to open up accounts! So, I’m getting more deposits in my account just for opening a checking account and depositing a certain amount.

For example, when you open a new Chase Total Checking® account with qualifying activities, you can earn a cash bonus! And the process to open an account takes less than 5 minutes!

Read here to see how I did it! 

3. I got new credit cards and paid off old debts which can help you reach the coveted 800+.

A list of my favorite credit cards are listed below.

Before you get a new credit card, check your credit score. Now, look at your credit grades. You’ll see five different components of your credit score and how well you’re doing in each category. Use the data you have to make smart decisions. This information will help you determine the fastest way to increase your score.

4. Understand the 5 components of the FICO Credit Score.

Payment History (35%) – Pay your bills on time. No exception. You can set up automatic bill payment and/or have a debit card or checking account specifically for this purpose. This is the largest chunk of your credit score.

Credit Utilization (30%)- What’s your credit limit? How much do you owe? If you’re using a lot of credit and not paying off your balance in full each month, your credit utilization grade may be very low. I aim to not go over 10% of my credit utilization rate. So, I try to pay my credit card bills at least twice a week to get my credit utilization rate good.

Length of Credit History (15%) – How long have you been in the credit game? Believe it or not, you are graded on this! So if you start closing accounts all at once, this could damage your credit.

Credit Mix (10%) – This is a vague category to me. This category is about your ability to handle different categories of debt. FICO believes that borrowers with a mix of different types of credit (installment loans, revolving credit, etc.) are more likely to be responsible borrowers. Very interesting!

New Credit (10%) – Getting new credit cards could be a boost to your score if you know how the game works. But if you open multiple cards at once, that could be a sign of financial trouble and can hurt your score. This category is all about timing and how you’ve managed previous debts. It’s about getting the right credit cards at the right time!

Read my post published on Black Enterprise here to find out more about credit scores.

My Favorite Credit Cards

Chase Sapphire Preferred

This was the best credit card for me to use while I was traveling around the world. If travel plans are in your future, this is a great card to have by your side.

Say bye, bye to foreign transaction fees and enjoy the amazing rewards points that this card provides. When you sign up for this card, you’ll get 60,000 bonus points when you meet the requirements. Check it out here and support the blog by using our referral link.

The annual fee for the Chase Sapphire Card is only $95 and rewards should cover the cost of it over a year. I used this card to travel to 7 countries in 2019 and was able to maintain my #debtfree status while saving tons of money.

Capital One SavorOne Rewards Card

Credit cards can either increase or decrease net worth. I use my credit cards to boost my net worth and enjoy the cash rewards to fund my lifestyle.

One habit of people with an 800+ credit score is that they typically pay off their credit card bills in full every month. This allows them to fully enjoy all the rewards points that credit cards offer.

Here is why I love my Capital One SavorOne rewards card:

  • New cardmembers earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • 0% intro APR for 15 months
  • No Annual Free
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • Rewards points can be used to get gift cards, cover your purchases, or get cash.

This credit card is for customers with excellent credit. Support the blog and use our referral link here.

Before getting a credit card, you want to understand where you stand in the credit world. You can go to to get free credit reports from Equifax, Experian, and TransUnion.

More Tips

I have more tips to add to this list but I’m strategizing and trying to get more gift cards using my Fetch Rewards. This is so fun! All I have to do is scan my grocery receipts. If you want to join me on this journey, just use my referral code, WVWBW, during signup and you’ll get 2,000 Fetch Points just for starting. Download here:

I’m aiming to continue sharing money tips and travel hacks so that others can know what’s possible and never have to feel stuck.

This is why I created this platform, Wealthy Women Daily. It’s all about having the freedom and flexibility to live life on your terms and create a life that makes you excited to wake up. This is when you contribute the best of you! 

What do you want to accomplish this year? How are you going to make that happen? Comment below!

About Charlene Rhinehart, CPA

Charlene Rhinehart is a Certified Public Accountant, Founder of Wealthy Women Daily, and Editor-in-Chief of the Dividend InvestHer and The Wealthy Woman Investor. Charlene is currently the Chair of the Illinois CPA Society Taxation Individual Committee. With over a decade of experience in the financial services industry, Charlene is one of the few leaders who design insights specifically for the woman investor. Charlene’s work has been featured in a variety of publications including the Huffington Post, Black Enterprise, and the American Institute of Certified Public Accountants. In 2019, Charlene released her book “Dividends Are a Queen’s Best Friend”, on Amazon.

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  1. so interesting!

  2. This is such a helpful financial post! I think it is so important to understand the components of a credit score and go from there

  3. Wow I need to be more like you. This is incredible

  4. This is a super helpful post! Maintaining a good credit score is so important.

  5. Great tips and information .. I love travelling and have been looking into investing.

  6. Great read! Love the tips and useful information you’ve provided on increasing your credit score. I especially like the tip about investing in dividend paying stocks! Thanks for sharing your journey!

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