1. Use one card to pay for everything. This way you will maximize your frequent flier miles.
2. Always travel with two cards. Even though it’s smart to put all your purchases on one card, it’s essential to carry two in your wallet. Many hotels and car rental companies put a temporary charge (or lock) on credit cards – in anticipation of the bill. If your card limit is low, you may not be able to use that card for any other purpose.
3. Keep several traveler’s checks in your wallet. Use them for an emergency, or where or when your credit card is not accepted or in lieu of running up your credit card balance. They also come in handy during that time frame when a lost credit card is being replaced.
4. Know the conversion fee. If you’re traveling abroad, find out each of your card’s “conversion fee” for foreign transactions; 1% to 3% is typical. Unless you keep those fine print documents the credit card companies send customers, you will need to call the issuer for conversion fee information.
   
   $TIP: One card, Capital One (800-695-5500, www.capitalone.com) does not have a conversion fee.
5. Copy your wallet. Before any trip, business or pleasure, photocopy the front and back

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   of each of your cards and important pieces of paper. Stash one copy in a secure place, but not with your plane or train tickets. Leave another copy at your office or with a friend. Should you lose your wallet (or a card) you will have key information on hand, including toll free numbers, account numbers and addresses. Don’t forget to photocopy the front pages of your passport, including the page with your picture.

For more money-saving travel tips, go to:

www.TravelSmartNewsletter.com.