There are different types of credit cards from which to choose from. Each credit card offers its own collection of advantages and disadvantages for consumers. Some individuals are looking for credit cards with the lowest possible interest rates. Other consumers seek out credit cards from the most reputable companies. Some customers look for credit cards that offer the best perks.
Choosing Credit Cards
They may choose credit cards that offer a percentage back on purchases at specific locations or on specific items, credit cards that offer discounts on retail purchases, or even credit cards that allow customers to collect air travel miles. Why are consumers choosing credit cards with airline miles benefits? There are a variety of different reasons for this increasingly popular trend.
A Credit Card is a Useful Tool
First, a credit card in and of itself is a useful tool with many benefits. Customers can use credit cards to make big-ticket purchases, prepare for an emergency situations, boost a struggling credit score, or learn the skills needed to manage money effectively.
Increased Air Travel Prices
Another reason why so many consumers are choosing credit cards with air travel benefits is the rising cost of air travel worldwide. Jet fuel is rising in price, and airlines must recoup by raising the price of an airplane ticket or slapping a customer with extra charges for checking in luggage or purchasing an in-flight meal.
Travel in General is a Valuable Experience
Some consumers are choosing credit cards that offer airline miles benefits simply because they love to travel. Traveling the world or even traveling throughout the borders of this country is an incredible way to experience new cultures, sights while also exploring some of the oldest historical places in the world. The combination of newness and ancient history is irreplaceable in a person’s life. Studies have shown that individuals who travel on a regular basis are more likely to be well-rounded, intelligent, perceptive, and successful in their other ventures.
Travel is an adventure. Unfortunately, traveling the world is a very expensive hobby. By using credit cards that offer the accumulation of airline miles, you can get airline tickets at a dramatically reduced price. Some people even save their miles for years until they can take the trip of a lifetime without spending a dime on airfare. However you choose to use your airline miles, you’ll benefit dramatically from the travel experience.Read More
The European continent is one of the most attractive tourist destinations throughout the world. This continent is attractive to travelers because it is chock full of exciting places to visit. The countries of Europe are relatively small, and yet each country has its own unique culture and collection of tourist attractions. Many tourists are able to visit two or even three European countries in a single vacation. This is a great way to experience some of the foreign countries on your “bucket list” while still saving money on your vacation.
Travel Around Europe
If you have a credit card
that provides the benefit of accumulated airline miles, you can use those miles to pay for a your travel around Europe. Once in Europe, you can rely on other modes of transportation to get to your favorite destinations. There is no reason to schedule a flight from Paris to Rome because Europe includes a variety of alternative travel options for the excited vacationer.
Here are just a few of the great ways to travel around Europe.
Take the Train
The train system that connects the countries and cities of Europe is one of the most advanced and reliable of its kind. This train system is often called the Eurail or the Euro-rail, and consumers can buy comprehensive passes that allow an individual to use the train system an unlimited number of times in a specific time period. You can catch the train from Germany to the Czech Republic, and then use the same pass to catch a train to France or Spain. Traveling by train is an exciting way to travel around Europe because you are able to view the European countryside as you are whisked from nation to nation. Train travel is efficient and affordable, and travelers can even pay a little extra to take an overnight train while sleeping in a small carriage with beds known as a couchette.
Do a Little Walking
If you travel around Europe, consider walking to as many destinations as possible. Walking is free, and you can tackle most of the sights in a single city on foot.
Travel by Tourist Bus
If you are tired of walking, many European cities have open air tourist buses that travel around the city and make frequent stops at the most popular tourist attractions.
Rent a Bicycle
One of the best ways to see the European continent and visit some of the less-touristy villages in the European nations is to rent a bicycle. Cycling is quite popular in Europe, and you’ll fit right in during your vacation.Read More
For many vacationers, economy is the only important consideration they use when choosing an airline for their next travel experience. Airfare has risen in cost dramatically over the past several years. This is partly due to increasing fuel costs, as jets require an enormous amount of fuel to cover large distances. However, changes to airport security procedures and flight standards are also influencing the rising cost of air travel.
Most Economical Flights
Instead of cutting out vacations altogether, many consumers try to find the most economical flights options by foregoing some of the luxurious features of their favorite airlines. As far as economy and affordability go, Southwest Airlines is one of the best airline options.
An Incredible Variety of Domestic Destinations
Southwest Airlines was named as such because it originally only serviced the southwestern region of the United States. Today, however, Southwest Airlines services an incredibly large number of domestic destinations, so consumers can often complete at least one leg of their domestic journeys on a Southwest flight.
Simple Check-in and Boarding Procedures
There are no frills at Southwest. Check-in is simple and expedited, and the seating is usually open-ended. In-flight meals have been eliminated, and customers are provided only with a small snack and a beverage. However, these flights are incredibly affordable.
No Hidden Costs
Another reason why Southwest airlines is becoming one of the most popular airline choices for the casual traveler is the lack of hidden costs present within this airline. Many airline companies charge for even a single checked bag, but Southwest advertises that the first checked bag for each passenger is completely free. When you purchase a ticket on Southwest Airlines, you’ll be paying exactly the price of the ticket and nothing more. For travelers who are hoping to arrive at a vacation destination on a budget, this is a great way to save money.
The plane may not be the most comfortable or the most luxurious airline and the options may be limited, but Southwest Airlines is definitely one of the most economical flight options in the country. If you aren’t concerned with investing in the bells and whistles of a luxurious flight but are, instead, concerned with getting to your destination as affordably as possible, this may be the perfect airline for you. It’s important to check with your credit card provider to see if accumulated airline miles can be redeemed for tickets on Southwest Airlines. If they can, you may have a one-way ticket to the cheapest flights in the world.Read More
A credit card is an alluring concept for many individuals. You can pay for the items you need or want without actually having the money in the bank. While credit cards are convenient and beneficial, they can also be problematic if used irresponsibly. Here are some common credit card pitfalls and steps for avoiding them.
Maxed Out in a Hurry
Maxing out your credit cards within a few short months may result in a massive monthly payment that you simply can’t afford. It’s a good idea to use your credit card slowly and methodically. Some people set personal limits well below their credit card limit, and they may even decide to pay off the balance completely before using it again.
Multiple Credit Card Problems
Opening multiple credit cards can also be problematic for the inexperienced credit card user. Too many credit cards can get confusing and complicate the repayment process.
Missed Payments and Late Fees
Missing payments is one of the most common pitfalls for individuals with credit cards. Every time you miss a payment, you’ll be penalized with late fees and hidden charges. These charges may even be added to the principal amount of your credit card. If you rack up excessive late charges, any perks such as airline miles may be removed from your account as well.
Sudden Jumps in Interest Rates
Another credit card pitfall that often catches consumers unaware is a sudden increase in one’s interest rate. The interest rate is very important in determining how much money you will be required to pay your creditor each month. Many people pay more in interest than they originally charged to the credit card.
If your interest is advertised as quite low, you might think you’re getting a great deal on a line of credit. However, the fine print may reveal that this low interest rate only applies to the first few months of service. After this trial period expires, and after you’ve accumulated a great deal of debt on the card, the interest rate can spike and you’ll be slammed with payments you simply cannot afford.
Save Money With Credit Cards
A credit card doesn’t have to be the kiss of death for your bank account. You don’t have to struggle to make payments or flounder in a pool of overwhelming debt. If you use credit cards responsibly and avoid these common credit card pitfalls, you can have a line of credit that will actually improve your financial outlook and add to your sense of financial security.
Using credit card airline miles to get free or reduced-price airline tickets is a great way to enjoy new sights and experiences on a vacation. Instead of driving to the same destination you visit every single year, you can experience something different by redeeming credit card miles and exploring the far reaches of the world.
Vacation Packing Strategies
If you plan on visiting an exotic location or taking an extended vacation, however, you need to know a few vacation packing strategies. Efficiency and organization are key elements of suitcase packing. Without organization, you may find yourself in a foreign country without a much-needed item. Tourist shops and supply stores in other countries often grossly overcharge for common travel products simply because they know tourists will be forced to pay high prices to replace a forgotten item.
If you are planning a tour and need to pack a suitcase, here are four great vacation packing strategies that will help you travel compactly and efficiently. Remember, the fewer suitcases you have, the less money you will have to pay to transport suitcases on an airplane. Many airlines are hiking up extra-bag charges to make up for reduced airline ticket fare.
Roll Clothes, Don’t Fold Them
Instead of folding your clothes, roll them into small bundles. Rolled clothes fit more effectively in a suitcase, and you’ll be able to access your clothes without difficulty while you are traveling.
Include an Adapter
If you are traveling to a foreign country, be sure to include a power adapter so that your electronic devices will work overseas. Different countries have different types of electric current, and if you use a device without an adapter, you will ruin the device.
You might be tempted to pack a heavy winter coat if you’re traveling during the winter months or a clunky hair dryer or curling iron, but the weight of these items can translate into added cost at the airport scale. Choose light clothing items, and keep the heavy electronic devices and appliances at home.
Always be reasonable when packing your suitcase for vacation travel. While you may be tempted to pack your entire collection of music or several books for reading while vacationing, you need to think critically about what you will actually use while on vacation. If in doubt, leave it at home. The lighter and less crowded your suitcases are, the more efficient your travel experience will be.
Keeping those vacation packing strategies in mind will help you pack lighter and efficiently and save you money, whether at the airport or at your vacation destination. You will have the necessary items you need to enjoy yourself.Read More