How Credit Card Expiry And Renewal Processes Work

Today, I am going to talk about something really important – credit card expiry and renewal! We love our credit cards, don’t we? They are like these messiahs – especially during those travels!

But have you ever noticed the expiry date printed on your Credit Cards and wondered what really happens when it ends?

Many people assume that once the date passes, their credit account simply shuts down. But that’s not how it works. A Credit Card expiry is simply the end of your card’s validity period and not your credit account.

Read through to understand why Credit Cards expire, what happens before they do, how the renewal process works, and what you should keep in mind as a cardholder, especially when you are traveling!

Why Do Credit Cards Have Expiry Dates?

Before talking about the credit card expiry and renewal process during your travel, let’s talk about what these cards have an expiry date!

Credit Cards come with an expiry date for a few simple but important reasons. One major reason is security.

By limiting how long a card stays valid, banks reduce the chances of long-term misuse or fraud. If card details are ever compromised, the expiry date adds an extra layer of protection.

Another reason is technology. Payment systems keep improving, and banks regularly upgrade card chips, contactless features, and other security elements. Renewal gives them a chance to issue updated cards with better protection.

The expiry date does not close your account, but you can continue managing your expenses, EMIs, or even use a Credit Card EMI calculator without any disruption.

What Happens Before Your Credit Card Expires?

Before your Credit Card reaches its expiry date, banks usually start the process quietly in the background.

Most issuers send a notification via SMS or email around 30-60 days in advance, so you are informed in advance. At the same time, they review your account to ensure everything is in good standing.

They typically check:

  • Whether you have been actively using the card
  • Your repayment history
  • KYC compliance and updated contact details

If you have a good repayment track record and no major policy violations, the renewal is usually approved automatically.

However, if there are issues such as repeated missed payments or incomplete documentation, the bank may contact you.

Credit Card Expiry And Renewal: How The Credit Card Renewal Process Works

The renewal process is usually smooth and mostly handled by the bank itself. Here’s how it typically works:

Step 1: Renewal Approval

First, the bank checks your account – how you have been paying bills, how you have used the card, that sort of thing. If everything looks good, they go ahead and approve the renewal automatically.

Step 2: Card Issuance

Next, they print out a new card for you. It shows up with a fresh expiry date and CVV, and sometimes they even update the design. So, you might notice your card looks a little different this time.

Step 3: Delivery

After that, they send the new card to your registered address. Usually, it arrives before your old one stops working, so you’re not left hanging.

Step 4: Activation

Once you get the new card, you’ll need to activate it. You can do that through your mobile banking app, internet banking, at an ATM, or just by calling customer care.

Don’t forget: after your old card’s expiry date, it won’t work anymore. Once you’ve activated the new one, make sure to destroy the old card so your info stays safe.

What Happens To EMI, Auto-Pay & Subscriptions?

When your card is renewed, your outstanding balance transfers automatically, and ongoing EMIs continue as usual. However, if the new card has a different number, you may need to update auto-debits and online subscriptions.

Quick Tip: Update card details on OTT, shopping, and utility platforms to avoid payment failures.

Credit Card Expiry And Renewal: What To Keep In Mind When Traveling?

Running into an expired credit card when you’re thousands of miles from home isn’t just annoying – it can turn your whole trip upside down.

No working card means no cash from ATMs, trouble booking hotels, and good luck if you run into an emergency.

So, let’s make sure you don’t get stuck. Here’s what you need to do before and during your trip to keep your credit cards working.

1. Pre-Trip Checklist For Credit Card

First, take a few minutes to go through your wallet before you head to the airport. This quick check can save you a whole lot of stress later. Here’s the game plan:

  • Check the Expiration Date: Check every card for its expiration date. Don’t just glance – make sure each one will last through your entire trip, plus at least an extra month, just in case plans change.
  • Request an Early Renewal: If you notice a card is set to expire during or right after your travels, get a new one now. Most banks let you order a replacement 30 to 60 days in advance.
  • The “Rule of Two”: Never count on just one card. Always carry at least two, and make sure they’re on different networks – say, one Visa and one Mastercard. And don’t keep them together. Toss one in your wallet and stash the backup in your hotel safe.

One more thing: set up travel notifications. Yeah, it sounds simple, but it works. Just hop onto your bank’s app and plug in your travel dates and where you’re headed.

That way, your bank doesn’t freak out and freeze your card the first time you swipe it at a café in a new country.

Trust me when I say this – little planning here means you can actually enjoy your trip—without worrying about your money.

2. Managing An Expired Card While Abroad

If your card gets declined overseas because it’s expired, don’t panic – you’ve got some ways out.

Before your card runs out, add it to Apple Pay or Google Wallet. Most banks these days can give you a virtual card right away when you renew – complete with a fresh expiry date and CVV.

So, basically, that means you can keep tapping your phone to pay, even if your new card’s still in the mail.

If you need the physical card fast, banks like Chase or Wise can ship one overseas in a hurry. Sometimes you’ll get hit with courier fees, and customs can slow things down, but it’s an option.

Totally stuck without cash? Visa and Mastercard have your back. They can set up an emergency cash pickup through local spots like Western Union, usually within a day or two.

3. Essential Security Tips For International Travelers

Finally, when you are in a new place, security matters – big time. Here’s what you want to do:

  • First, create a “digital shadow.” Take an encrypted snapshot of your card numbers and the international customer service number (it’s on the back of your card). If you ever lose your card, you’ll have what you need, no panic required.
  • Next, turn on instant alerts. Get push notifications for every transaction. That way, if something weird pops up, you’ll know right away.
  • And don’t mess around with public Wi-Fi when you’re logging into your bank or updating card info. Use a VPN, or just stick to your phone’s data. Public airports and hotel Wi-Fi just aren’t safe for your sensitive stuff.

Credit Card Expiry And Renewal As A Traveler!

In conclusion, knowing how your credit card expiry and renewal process really works saves you a lot of hassle. And honestly, it’s not complex – as long as you pay attention to the dates and don’t leave things to the last minute.

Just keep your details up to date, activate your new card as soon as it arrives, and you’ll dodge those embarrassing declined payments and won’t miss any subscriptions or bills. It only takes a bit of effort to keep everything running smoothly.

Your credit card’s basically your travel lifeline. So, check the expiry date now. That way, next time you’re packing for a trip, you’ll only need to plan your sightseeing, not worry about whether your card’s going to let you down.

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Meet Sibashree Bhattacharya, a travel enthusiast who has a decade-long experience in transcending virtual barriers with her words! Her deep love for travel is apparent from her travel escapades to the mountain, often taking her readers on a journey, her words acting as Portkey! Fun fact: Sibashree loves to dive deep into the history of the places she is about to visit, making her travels even more wholesome. If you were wondering how her articles are not short of time travel, this answers it!

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READ MORE things to do in San Juan Puerto Rico

Things To Do In San Juan, Puerto Rico For Free | Traveling On A Shoestring

BY  Pijus Maity Nov 20, 2024

Puerto Rico is more than just a beach vacation. There is a reason why it is all over the internet, with a 22% surge in the search volume in 2024 (year-on-year). The UN Tourism report further highlights Puerto Rico as the second-most searched Caribbean destination.  The tourism attractions in Puerto Rico are diverse, and there is a sincere attempt from the government to develop the tourism infrastructure.  San Juan, the capital of Puerto Rico, has a vital role to play in the tourism boost of Puerto Rico. Along with being a stunning destination, San Juan also has vibrant street art and a happening neighborhood. Moreover, it is a quintessence of joie de vivre.  Need more reasons to head to San Juan? It has many activities that will not charge you a single buck. Sounds fun, right? Let’s explore the best things to do in San Juan, Puerto Rico, for free.  You Can Try The Following Things To Do In San Juan, Puerto Rico, For Free | Budget-Friendly Travel Ideas In The Caribbeans  It will not be a jugglery of words if I call San Juan a “Caribbean Gem.” By the end of the 1800s, San Juan became a part of the USA. Further, San Juan, the capital of Puerto Rico, is the oldest city under the USA jurisdiction. Did You Know?Some airlines in Puerto Rico have increased their line of flights. Avelo Airlines is one of them and it has added a flight in “The Lakeland (LAL) – San Juan (SJU) route.” Further, it is the second route it has added to its itinerary outside the continental USA.  The flight will have 20000 more seats, and this addition is expected to yield an economic impact of $6.3 million only in the first year of the line’s operations. This news corroborates the prospects and boost of tourism in San Juan.“The strengthening and expansion of air access to the island is key to the full development of the local tourism industry, so negotiations to attract new airlines and the increase in routes and frequencies is decisive for everyone. We share the enthusiasm of Avelo management with this new non-stop route since this new service between Puerto Rico and Florida will result in economic benefits for the entire tourism industry.”Carlos Mercado-Santiago, Executive Director, Puerto Rico Tourism Co. (PRTC) The city has rainforest, beaches with cobalt blue waters, century-old architecture, heritage, and of course, the things to do in San Juan, Puerto Rico, for free.  So, why not try them? 1. Explore The Street Art In Santurce El Patio de Sole is a local restaurant on Calle Cerra and it is one of the highlights of Santruce, the most happening neighborhood of San Juan.  Murals and larger-than-life art pieces by street artists have transformed this locality into a vibrant art gallery.  Calle Loíza, the “Foodie and Arts Avenue” of Santruce, is another great place to explore street art here. Moreover, Aguacates and Las Musas are some of the best larger-than-life installations here. Did You Know?Almost 10 years back, San Juan, Santurce, and the entire Puerto Rico were going through an economic crisis. Through the Santurce Es Ley street art festival and the Color Libre engagement project, the street artists addressed social problems.   2. Enjoy Bird Feeding At Parque de las Palomas Parque de las Palomas is a public park and it is a place to relax amidst or after a tiring day at work. You can just sit on the benches overlooking the ocean and enjoy the cool breeze here.  Further, feeding birds at Parque de las Palomas is one of the best things to do in San Juan, Puerto Rico, for free. This park is home to pigeons. You can collect bird seed from the park kiosk and feed these playful creatures.  3. Indulge In Street Food At Piñones Piñones on the beach bustle with local street foods. You can have fresh coconut here. Also, the alcapurrias and empanadas available at the local kiosks are amazing. Tour And Travel Note Don’t forget to get some honey and souvenirs from local vendors and artisans here. You can also take a stroll along the boardwalk or enjoy a bike ride in the mangrove forest.  4. Flying Kites At El Morro El Morro, a famous fort in San Juan, is located on the top of a hill, and it overlooks the bay. The grassy land in front of the fort is a big draw to the visitors.  The high winds here make the grassy stretch ideal for flying kites. You can carry your own kites or buy one from the local vendors and enjoy your time with kids and the ones young at heart.  5. Sunbathing Playa Ocean Park, a hub of offshore reefs, is the highlight of Condado, the most popular beach in San Juan. Condado and all other beaches of Puerto Rico are free as those are public land. Further resorts like Condado Vanderbilt Hotel and La Concha make visiting Condado one of the best things to do in San Juan, Puerto Rico. Moreover, you can go kitesurfing or just relax on the beach and enjoy a sunbath.  6. Paseo De La Princesa Scenic Walk Paseo De La Princesa is an esplanade. This 19th-century promenade from the cruise port to El Morro fort stands out due to its European vibe. As you take a walk along Paseo De La Princesa, just outside the city wall, you will find large trees making arches. Further, the antique street lamps will grab the attention of any connoisseur. Moreover, you will find many food vendors as you enjoy the scenic walk. Are you travelling with your partner? Visit Paseo De La Princesa during sunset for the most romantic experience.  7. Experience The Best Of Night Life At La Placita De Santurce Do you want to experience the happening nightlife of San Juan? You must visit La Placita De Santurce after 9 PM as most of the bars here open after 9 or 10 PM and remain functional till early morning. Especially on the weekend, La Placita, or the famous market square, is the most vivacious with people on the street. Enjoy the Salsa moves and the grooviest reggaeton music.  8. Take A Walk In The San Juan Botanical Garden Operating Hours: 6 AM to 6 PM The San Juan Botanical Garden is a great place for the study of local plants and animals. The botanical garden is on the University of Puerto Rico campus. You can take a free entry here, and you also don’t need to pay any charges for parking.  This is a great place to relax and exercise in San Juan. It is also perfect for a picnic. Moreover, you can explore the Japanese bridges and trails to make the most of your time here.  9. Pray At San Juan Cathedral Operating Hours: 8 AM to 4 PM (Sunday - Up to 2 PM) Mass Times: 7:25 AM and 12:15 PM on Weekdays, 7 PM on Saturdays, 9 AM and 11 AM on Sundays The Catedral de San Juan Bautista, or San Juan Cathedral, is the oldest church in the entire Western Hemisphere.  Juan Ponce de Leon rests here, and the church also houses the mummified remains of a martyr from the first century, St. Pio.  Attending the Noche Buena mass on 24th December is a one-of-a-kind experience at this church.  To make the most of these fun and free things to do in San Juan, Puerto Rico, you need comfortable accommodation in the city. The table below has a list of some of the best hotels in San Juan with contact details.  Hotel In San Juan, Puerto RicoContact Number Courtyard by Marriott Isla Verde Beach Resort+1 787-791-0404Residence Inn Isla Verde+1 787-961-1155Hyatt House San Juan+1 787-977-5000Dream Inn PR+1 787-200-6340Condado Vanderbilt Hotel +1 787-721-5500Tropica Beach Hotel+1 787-728-8119La Concha Renaissancece San Juan Resort+1 787-721-7500Dreamcatcher by DW+1 787-455-8259Hotel El Convento+1  787-723-9020AC Hotel San Juan Condado+1 787-827-7280 If you are planning to explore the best things to do in San Juan, contact any of the hotels first to book your accommodation.  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit. Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.

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A Guide To The Scenic Drives In Kings Canyon National Park

BY  Sibashree Aug 29, 2024

Kings Canyon National Park is as grand as its name as it has to offer the most versatile landscape. The granite walls, the flowing streams, and the rugged terrain make it a paradise for hikers and geology enthusiasts.  However, with its diverse vegetation of pine trees, grass, and sequoias, the park is also known for its unique driving experience. The rocky roads with the embrace of green trees are surely worth exploring if you want to make memories for a lifetime.   So, if you are a national park freak and want the most memorable experience, your road should lead to the Kings Canyon Scenic Byway.   Kings Canyon National Park Scenic Drive (Kings Canyon Scenic Byway)  As you drive on the main Highway 180 and turn to the east, you will find the Kings Canyon Scenic Byway stretch. The first stoppage along the stretch will be the Junction View.   From Junction View, you can have a panoramic view of the Middle and South Forks of the Kings Canyon. The Kings River carving its way through the landscape makes the view unbelievable. Your journey can continue till the late afternoon, and Knapp’s Cabin will be the final major highlight of your scenic drive.  The table below will give you a brief overview of what the scenic drive along Kings Canyon Drive is going to look like.   Highlights Things to Do  Cedar Grove Drive east from the road to reach the Kings River.  From there, go to the Cedar Grove Visitor Center and gather information about the park trails.   You can grab your quick lunch at the facility stores here.   Canyon Viewpoint Behold the gigantic granite rocks and the U-shaped formations. Look at the nearby pine trees.  Zumwalt Meadow Trail (Hiking) This is a short and power-packed hiking trail.  Bridge over the Kings River Enjoy the scenic views and take pictures from the bridge.  Arriving at Zumwalt Meadow The Zumwalt meadow looks like the most picturesque painting.   Behold the green grass, dark pine trees, and rocky walls made of monolithic granite stone.  Beware of mosquitoes and bugs here, and use repellants.  Following the Trail along the River Maintain a decent pace while walking through the trail along the river, and thus, you will reach the other side of the Zumwalt meadow. Explore the Rocky Side of the Loop Explore the unique and gigantic rock formations on this rocky side.   The calm meadow here offers an immersive experience.  Relax by the Knapp’s Cabin This cabin tells you the tales of George Knapp, who built this cabin in 1925.  It can be a nice escape for clicking pictures and playing hide and seek.   Once you are done exploring the Kings Canyon National Park, you can come back to the Kings Canyon scenic byway. Behold the changing colors of the afternoon there and click the most mesmerizing photographs.   Other Things To See In Kings Canyon National Park   As the name suggests, the Kings Canyon National Park offers you the most majestic experience. The moment you enter the park at the Big Stump Entrance, you will find the Big Stump Picnic Area, and from there, you can start exploring the big stumps in the park along the Big Stump Trail.  The jungle of old pine trees and the magnificent sequoia trees will offer you the most quaint experience. You will feel humbled by the presence of these towering trees. However, the Mark Twain Stump is the biggest highlight of this trail. This gigantic stump has stairs so that you can climb to the top.   Once you have visited the Mark Twain Stump, you can take up the following ventures.  Visit The Grant Grove Village   From the Big Stumps Trail, you must make your journey toward the Grant Grove Village. There, you will find the Kings Canyon Visitor Center.  You will meet rangers at this visitor center and find the best recommendations about your journey in the national park. Once you know the hiking points and the highlights of the park and have a hiking map handy, you are all set to make the most of the national park.   The rangers will also guide you with instructions about the routes to be avoided for a particular season.   Hike Through The General Grant Loop Trail   As the name suggests, the General Grant Loop Trail is filled with gigantic trees. You can take a peaceful walk here.   Keep Walking Through The Fallen Monarch   A giant fallen sequoia tree with a hollow trunk is known as the Fallen Monarch. It is fun to play around with the hollow trunk, and you can use it as a shortcut to connect two sides of the General Grant Loop.   Meet The General Grant Tree  The 1700-year-old General Grant Tree is surely the pride of the Kings Canyon National Park. The massive scar at the bottom of the tree trunk gives it a gothic appearance, and it shows how the tree has survived extreme weather conditions throughout the years.   Nevertheless, it’s great to find the “Nation’s Christmas Tree” in a magnificent condition despite the ravages of time.   Did You Know?  The General Grant Tree was designated as a “National Shrine” in 1956.  President Eisenhower declared it a National Shrine to commemorate men and women in the USA armed forces.  It is the only living “National Shrine” in the USA.   Visit The Hume Lake  If you are in for an immersive experience, don’t forget to spend your time by the Hume Lake. This mountain lake is known for its pristine beauty and green water.   The pine trees and unique rock formations surrounding the lake make it appear all the more special.   The Hume Lake is one of the least visited places in Kings Canyon National Park. So, keep the park map handy so as to not miss the beauty of the lake.   Relax At The Gamlin Cabin   The Gamlin Cabin, built by Israel Gamlin, was once used as the U.S. Cavalry storehouse. This wooden cabin with a stone fireplace inside has a quaint appeal.   After catching your breath at Gamlin Cabin, you must continue walking along the trail. At the end of the trail, you will find the other side of the Fallen Monarch tree trunk. The hollow trunk of the tree is a favorite of kids and young adults for some mischievous activities.   From here, you can plan other activities in the national park or get back on the main road 180.   Final Words: Is Kings Canyon Worth The Trip?    With magnificent sequoias, colossal rock formations, and many trails, the Kings Canyon National Park is a favorite of outdoor enthusiasts. Further, a drive through the Kings Canyon Scenic Byway offers you some of the most beautiful scenic views of California. Filled with endless bends and twists, this road is only available for driving from April to October.   Also, this glacier-carved valley with deep canyons and high mountains stands for its geological diversity. In addition, this national park is home to the General Grant Tree, the Christmas Tree of the Nation, and Boyden Cavern, with the most intriguing rock formations.   So, overall, this park is a paradise for hikers, geological enthusiasts, wildlife lovers, and people who want to indulge in diverse outdoor pursuits. No wonder that it had 643,065 visitors in 2023. (Source)  Do you want to watch glaciers and meet diverse wildlife? Pay a visit to the Wrangell-St. Elias National Park.   Kings Canyon National Park FAQs   How Long Should You Stay In Kings Canyon National Park?   Based on how well you want to explore the Kings Canyon National Park, your stay in the park should be between one to four days. You can finish taking a walk in the grove of the big trees and visiting the most beautiful trails in one day.  However, if you want to explore the Alpine peaks and the deep canyons to the fullest, you will need to stay at least three to four days in the park.   Which Is The Most Beautiful Part Of The Grand Canyon National Park?   The south rim of the Kings Canyon National Park is the most beautiful area according to most visitors to the park. You can experience the most unique views of the Grand Canyon from the southern rim.  Further, from the southern rim, you will get to enjoy the most amazing view of the Colorado River.   What Not To Visit The Grand Canyon National Park?   You must not visit the Grand Canyon National Park in July and August. The weather is hot and humid during these months. Further, thanks to a diverse landscape and unique vegetation, it’s hard to say which season is the best to plan a trip to this park. Different parts of the park become the most attractive in different seasons.  For example, the North Rim of the park is the best place to pay a visit during May and October. The temperature is pleasant during these months, and the crowd is smaller. Similarly, you must hit the southern rim of the park in the fall. The cooler temperature makes hiking and biking in the southern rim easier during the fall season.   Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13 Famous Wonders Of India That You Must Visit! [Updated 2024] Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.

READ MORE Stree-free holiday travel

Ultimate Guide to Stress-Free Holiday Travel

BY  Sibashree Mar 22, 2025

The holiday season is around the corner, and we’re already planning holidays. If you are heading to your family, going on a holiday, or elsewhere, pre-booking will help you make the journey easier and more enjoyable.  This is the full guide on assisting you with holiday travel, including expert tips and practical advice for preparing for holidays easily.  1. Prepare in Advance for an Easy Journey  The sooner you book, the more likely you will get what you want. When traveling, it is best to go during holidays and reserve rooms and seats in advance.  Don’t leave it late; arrange transportation and accommodation ahead of time. Put together tickets, accommodation, and transport on a list.  Be sure to look at the weather forecast in your destination to be able to pack suitably. You do not want to be caught in a snowstorm or heatwave with the wrong equipment!  2. Intelligent Holiday Travel Budgeting  Holiday travel costs can easily exceed budget, especially during peak holiday seasons. Setting a realistic budget when making holiday plans will prevent overspending.  Budget your expenses under allocations to pay for your airfare, accommodations, travel, restaurants, tour fare, and shopping.  Utilize discounts online, compare prices, and hostels, Airbnb, or travel off-season. No need; forward reservation can also assist. It’s also smart to have some ready money for emergencies such as tips or impulsive shopping.  3. Pack Smart and Light  Intelligent packing will save the day and avoid inconvenience. Pack only the necessities and try to keep it light.  Use multi-functional clothing that you can interchange to reduce the amount of clothing to carry.  Don’t spare any space in your luggage to purchase souvenirs or new clothes during travel. Don’t exceed your baggage allowance limits so that you can have additional charges to pay at the airport.  If your journey is short, a carry-on flight would do. A physician’s kit containing medicine, a first aid kit, and photocopies of the documents that will be needed should be kept handy in case of an accident.  4. Travel with Pets  If a pet is being taken along on a holiday vacation, find out if your hotel is pet-friendly and look up the travel rules in advance.  Some airlines and other carriers also require health certificates for pets, so have your vet issue one.  Be prepared by bringing along the basics, such as pet food, water, a leash, toys, and medication if prescribed.  When traveling, consider your pets' safety and comfort as well. Plan in advance for pet care requirements.  5. Insure Yourself with Travel Insurance  Unexpected events like flight delays, lost luggage, or illness can spoil your tour and leave you stranded. Travel insurance helps by giving you confidence through reimbursement of unexpected costs.  Depending on your holiday, you can decide to buy an upgraded policy that includes trip cancellation, illness, or even flight delay. Make sure to read the cover details before buying so that it will be worth it.  6. Create a Flexible Schedule  Planning never hurts, but flexibility is the key to enhancing your holiday experience. See where you are required to go, check their opening time, and write down their holiday hours.  Adopt a flexible approach in the event your arrangements are foiled or in case you wish to insert unplanned encounters on your path.  The holiday season means large numbers of people, and flexibility will avoid getting agitated if matters fail as expected.  7. Travel Checklist  Ensure you have all the documents and essentials with you before you go out to your destination. A list of essentials is as follows:  • Genuine travel documents (passport, visas, etc.)  • Cash and debit/credit cards (both are recommended)  • Travel insurance information  • Medication prescribed and first aid kits  • Phone chargers for electronic devices and adapters  • Rain or weather-specific footwear and clothing  • Toilet and personal items  8. Protect Your Belongings  It’s always exciting to travel to a new place, but protecting your belongings is equally important.  Stealing and pickpocketing can occur anywhere, particularly in crowded places such as airports or sightseeing sites.  Store your valuables in a money pouch or safe belt, and don’t carry all your money or cards at the same time.  It is also wise to have photocopies or digital copies of important documents (such as your passport, travel insurance, and emergency contacts) just in case they are stolen or lost.  9. Be Frugal with Your Holiday Money  Over-spending on your holiday can cause anxiety once the holiday season is over.  To prevent this, keep track of your spending once in a while on holiday. Have a budget for everyday activities and meals and prioritize substances over goods when spending.  If you tend to mindless shopping, place restrictions before eating out or shopping beforehand. The most memorable aspects of your vacation are likely the experiences, not the trinkets!   10. Foreign Currency Exchange & Financial Planning  If you are traveling abroad, it’s convenient to get used to the foreign currency and exchange rate.  Don’t exchange a large amount of money at the airport, where they offer less favorable exchange rates. Rather, use local ATMs and withdraw your money when you arrive.  It is also advisable to notify your bank of your travel so you won’t have any issues transacting on foreign grounds. Finally, for added convenience, bring a credit card with no foreign transaction fee.   11. Stay Connected for Safety & Convenience  You will require a functional phone or device to communicate with others and utilize in emergencies on the road.  If you are traveling abroad, buy an international SIM card or international data plan so that you can call.  Also, let a trustworthy friend or relative know your travel plans so that they can trace you. This is an extra precaution and convenient in the event that you need help on the road.  Final Words!  Vacation travel, if well planned, can be smooth sailing and hassle-free. Whether you are a frugal traveler, security-aware adventurer, culture-aware traveler, or packing expert and one.  Like any of them, the following is the best advice for hassle-free and successful travel.  Considering all this, you should remember that quality planning will ensure that you’re carefree during travel. Safe and happy holidays!