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Buying items for Christmas dinner can be a great opportunity to accumulate points on your credit card. Many people don't realize it, but spending on holiday parties can turn into future benefits, such as airline miles or discounts on future purchases. The secret is to use your credit card strategically.
First of all, check if your card offers a rewards program and understand how it works. Some cards offer more points per real spent in certain purchase categories, such as supermarkets or partner stores.
See also: How to save on Christmas gifts?
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Plan your Christmas dinner shopping
To the plan When shopping for Christmas dinner, consider using your credit card at stores that offer the most points. This could mean choosing a specific supermarket or buying certain items at stores that are partners with your card.
Also, keep an eye out for special promotions and deals during the holiday season. Many credit cards offer bonus points or multipliers around the holidays. Taking advantage of these offers can mean you can rack up a significant amount of points for your Christmas shopping.
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Maximizing card benefits
To maximize your rewards, it’s important to pay your card bill on time. Late fees can quickly negate any benefits you gain from your points. Additionally, consider using apps or online services that help you track your spending and accumulated points. This can help you plan your purchases better and make the most of the rewards you’re offering.
Smart shopping strategies
Another strategy is to combine Christmas shopping with other monthly needs, concentrating more spending on the card and, consequently, accumulating more points. However, it is crucial to maintain a balanced budget and avoid overspending just to earn points. Remember that the goal is to enjoy the benefits of the card without compromising your financial health.
Image: Nicole Michalou/Pexels
