SmartMoney Monday: Protecting your credit card reward points

HONOLULU (HawaiiNewsNow) - Recently, we've been talking about credit cards and cards that can help you earn rewards. Today we're learning how to protect our selves and our money after we use those points while we're on vacation. Just because you're on vacation doesn't mean you should let your guard down too much. The goal is to be able to relax and enjoy yourself on vacation by not stressing about the safety and security of your money.

The most important thing is to use the safest payment method while you're on vacation. In the old days that meant travelers checks. Today, the safest form of payment while traveling is a credit card. But not just any credit card – one with a smart chip.  A debit card doesn't have as many safety features as a credit card, make sure it has an EMV chip. Also, let your credit card company when and where you'll be traveling, especially if you're going overseas. You don't want to surprise your credit card company with charges from a foreign country or have your legitimate purchases denied.

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