盘点那些得不偿失的省钱习惯

While she explains that, generally if you're redeeming for material goods, you're better off buying in cash than redeeming points, spending money on certain cards can indeed pay off. Kumok recommends Barclaycard Arrival World MasterCard for travel deals, which gives you 10 percent of your miles back when you redeem them. But she says she personally likes to “churn” her awards-giving credit cards, which means that you sign up for different credit cards to get sign-up bonus offers, like 20,000 miles if you spend $3,000 in three months.

她解释，虽然一般情况下在你打算用积分兑换实物产品时，其实最好还是用现金购买而不是用积分兑换，但利用某些卡片付款确实有好处。库莫克推荐“Barclaycard Arrival World MasterCard”用于旅行，兑换积分的时候它会返回10%的里程。但她说，她个人喜欢“开造”提供奖励的信用卡，也就是说申请不同的信用卡以获得开卡奖励，比如三个月花费3,000元的话就会获得两万英里的里程。
“That's where you get the most bang, especially if you were going to spend the money anyway on stuff like groceries, gas, and so on,” she says. “And it’s best way to get miles quickly and efficiently.” (However, those with low credit scores might not be able to do this without further damaging their credit, so talk to a financial advisor if you’re unsure.)

她说：“这才是重点所在，特别是如果你准备花钱买食杂品、汽油等东西的时候。而且最好是迅速而有效地获得里程。”（但信用记录较差的人可能无法在不进一步损害信用的情况下做到这一点，所以如果不确定的话，去找一位理财顾问谈谈吧。）