Holiday Spending: Master Your Credit Card, Stay Debt-Free

• Set a personal spending cap for your trip, separate from your credit limit, to align with your budget.
• Strategically use reward points and offers for travel savings, avoiding unnecessary spending for small benefits.
• Be vigilant about foreign transaction fees (typically 2-3%) when abroad and notify your bank of travel plans.
• Avoid converting expenses to EMIs impulsively; ensure future payments won't strain your budget and check for interest/fees.
• Track all credit card expenses regularly during your holiday to prevent post-trip financial surprises.
• Pay more than the minimum due upon return to save on interest and avoid prolonged debt.

Why It Matters: Use credit cards wisely on holiday: plan, use rewards, track, and repay smartly to avoid debt.