subject: The Holidays Are The Perfect Time To Turn In Credit Card Rewards [print this page] Cash in those credit card rewards points for holiday expenses.
With the holiday season just around the corner, if you are prudent, you can use your credit card reward points sensibly. Each year, people fall into debt during the holiday season as they spend more money than they can afford buying presents for their family and friends. Then they spend the New Year trying to get out of the debt they have created, only to find the vicious cycle repeat itself the next holiday season. So, it becomes an unending cycle of debt that people cannot come out of.
However, this holiday season be wise and prudent. Go back to your credit card statement and see the amount of points you collected over the last several months or maybe even years. If you do not know the points you have, then check it out with the credit card company. Most probably, if you have not used the points, you should have a sufficient amount to be able to get some real good things. Request the credit card company to dispatch a brochure to you. In the brochure you will be able to see the rewards that you can get once you redeem the points. Make sure you check out the terms and conditions for the rewards program so that you are aware of restrictions if any.
Many credit card companies tend to have a particular time period during which points can be redeemed. So, if you're going to be using your points to get Christmas presents, make sure that you do this well in time to avoid disappointment. Also, if you are going to be using the points to book airline tickets to surprise your family this Christmas, make sure you book well in advance. Many airline companies do not want to forfeit peak fares during the holiday season, so they restrict the number of seats that people can book on rewards programs. You can redeem your credit card points by either calling up the credit card company or doing the process online via your rewards account. Once you have done this, check out whether you can redeem the points at your favorite store. Some credit card companies allow this. Then you can select the gifts you want for your family and friends. Also, you can go for gift card option if you do not know what to present a person. Alternatively, you can go for the cash option, especially if the credit card company does not restrict you to a single store.
Use your credit card rewards program to get an array of things, right from airline tickets to home furnishing to electronics to even big home appliances. Things like toys, clothes and even hotel booking can be redeemed using the credit card points. Some credit card companies allow consumers to redeem the points for groceries, so maybe you can opt for Christmas turkey for the entire family this year! Be sure to make a proper Christmas gift list to get the things you really want. If you are running short of cash this Christmas, redeeming credit card points would be a blessing in disguise for you.
This year gift shopping will be an experience that you will truly enjoy. You will be able to get all your family and friends the gifts they have always wanted. And, you will be able to do this without spending an extra cent. Imagine the smiles you bring on the faces of your kids if you whisk them away to Disney World for a Christmas holiday, or imagine how romantic it will be if you take your spouse for a romantic holiday to Paris this festive season. Credit card reward points open a whole new world for you and lend a new meaning to gift giving. Make use of the points to bring a smile on your near and dear ones' faces this Christmas. You can utilize the points to get all the gifts you want without feeling the pinch. Make use of the incentive that the credit card company is offering and save your money for something else.
