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“It’s not something a lot of credit card users do, and it can save you some stress.” For card users who have the means to pay, it can be a nice convenience, Ridout says.

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“Be mindful of what you budget and don’t go crazy.” © Felix Mizioznikov/If you’re traveling over the holidays, you will often need cash, says Ridout.

“Given that you’re going to be in different locations, you will often wind up using an ATM that might not be in your network,” he says.

Call card providers and get all your billing dates moved to the same day each month, he advises.

“So, if you have five cards, have them all due on the 10th of the month,” he says.

But if you’re traveling, “checking balances more often is probably good advice,” says Nessa Feddis, senior vice president for consumer protection and payment for the American Bankers Association.