Credit cards shall be used only to buy planned goods and shall not fall in the temptation of offers while we are on the move.
We have to be careful before we accept the promotional offers that the card issuer give as most of them try to benefit the issuer rather than the customer.
Theft insurance, disability insurance on the cards are not that much useful as they do not cover the promised deals.
Prepaid gift cards are not suggestible as the issuing prices and charges are high and customer shall use them with in a short span of time.
In most of the cases our friend to whom we gifted the card will not use it before it expires.
Giving a check, cash or gift card on a special occasion will be much better as corresponding charges to get them is less and offer longer time to use.
Using credit cards abroad costs you extra and esquire about that before using.
Alternatively you can use debit or cash equivalents.
Getting a debit card is very easy and in many cases you will be just getting it with a bank account.
No bank will ask about your credit score to issue debit card.
Your money from the bank account will be used to pay the shopping that you made in the case of debit cards.
As you can only spend the money that you have with you.
This will give you a sort of financial discipline while using the bank cards which is not the case with respect to credit cards.
We can use balance transfer option between the credit cards to save the extra interest and plan to carefully to take the full advantage of it.