All newlywed couples want to celebrate this special time by going on a great honeymoon. However, such trips can be very expensive. If you plan to go on a romantic travel destination, there are some things you can do in advance to prepare for this special occasion. One ideal preparation for a honeymoon trip would be to acquire a travel reward credit card.
A travel reward credit card isn't difficult to have. All you have to do is fill up an online application and wait for an approval. Getting an approval is easy especially if you have a good credit history. Once approved, you can start earning points to get a free travel.
Of course, travel reward credit cards require higher points than other reward credit cards because travel expenses are more expensive. Usually, travel reward credit cards require its card holder to make purchases from affiliate stores and establishments in order to get points. However, some credit cards also give a corresponding point from general purchases made using the card. These points are converted into mileage points until the minimum amount is reached which earns you a free travel ticket.
Aside from earning mileage points, travel reward credit cards also provide other bonuses such as discounted rates on hotel accommodations, car rentals and other travel related expenses. Other perks include a free travel accident and car rental insurance, as well emergency card and cash replacement.
When looking for the right travel credit card, you will be confronted with a lot of choices. It is best if you take your time on reading each card's complete list of terms and conditions before signing up for one. Compare which travel credit card offers the best deals.
Don't forget to consider other fees associated with owning your credit card. For example, what is the APR? It would be best if you can find a travel credit card which offers a 0% introductory APR either on your purchases or balance transfers or better yet, for both types of spending. When the introductory rate expires, see to it that the interest rates remain at a reasonable level.
Also, check out the annual fee for each travel reward credit card you're considering. Some credit cards require an unreasonably high annual fee in order to continue earning mileage points. Remember that you have other choices so don't settle for that travel credit card if you think that the annual fee is too much.
Before submitting your online application for the reward credit card you've chosen, read and study the complete agreement form and make sure that everything is clear and understandable.
Once you've acquired your travel reward credit card, begin putting your wedding expenses on the credit card. Make sure that you can pay off your monthly balances in full at the end of the month. So while you are buying much needed items for your wedding, you are also earning points towards your honeymoon. Thus, when the time comes that you'll be claiming your free travel reward, you may enjoy your honeymoon even more know how much you saved by using your travel reward points.
There's definitely no shortage of free student credit cards, but does "free" really mean "free" in the world of student credit cards? You're in college now and if you haven't learned this life lesson already, it's about time you did -- there is no such thing as a free ride, a free lunch, or free student credit cards. Here are three things to keep in mind when applying for a student credit card and putting it to use.
1. Why Aren't They Free?
So why aren't free student credit cards really free? Because if you run a balance each month, you have to pay for it in the form of interest.
It's very easy to spend more than you realize when you first get a student credit card. If you can't pay your bill in full at the end of the month, you're going to pay interest and over time, that interest can really add up.
2. What You Charge Now May Haunt You Later
If you run up a big bill on your free student credit cards, it may haunt you later on in life -- especially if you can't pay your bills on time due to the amount of debt you've gotten yourself into.
Say you quickly max out all of your free student credit cards and you make quite a few late payments. A few months later you decide you want to rent an apartment and you're ready to sign the lease. One problem -- you didn't qualify due to your credit problems.
It can and does happen. Any mistakes you make with your free student credit cards can prevent you from getting a car or even a house or apartment later on in life.
3. It's Not All Bad
While it's true that free student credit cards do have potential pitfalls, they do have their benefits. You do need a credit card to start building your financial future. It's just a matter of using it wisely.
Remember, charge only what you can pay off at the end of the month (except in the case of an emergency) and pay each and every bill on time.
If you absolutely cannot pay off your entire balance at the end of the month (and you should), reserve at least 30% of your credit balance if you can. Credit bureaus are interested in how much available credit you have. Use it all up and your credit score will drop.
By managing your free student credit cards in a responsible manner, you'll be well on your way to building a sound financial future and creating a solid credit history.
Both Annette D. Wilson & Max Anderson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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