Traveler’s Must-Know! 5 Money-Saving and Practical Packing Tips

BY  Abdul Aziz Oct 26, 2023

The climate in Thailand varies throughout the country, but the good part about it is that you can visit this place all year. The ideal seasons that Thailand sets its best foot forward are between November and early April. These months witness little to no rain, and the sky is as clear as it can be. The days become warm and ideal for going out. The beaches look stunning, and the several heritage sites become more convenient to visit. As April rolls in, the heat becomes unbearable, and with June, the monsoon season begins. Thailand being the jewel of southeast Asia, is also called the land of smiles, with most of its natives welcoming you warmly with their world-class hospitality skills. The country has developed its economy mainly through its tourism industry. This has given the country its uber-modern cities and state-of-the-art luxurious holiday destinations. Despite the urbanization, the tropical feel of this island country is untouched and held in sacred esteem. There is a perfect intersection of modern and primitive in Thailand, and it makes the country that much more attractive. There are mountains, beaches, islands, and more to explore here. This exotic heaven beacon to all who love the sun, sand, and nightlife alike. In this article, we will explore the best time to visit Thailand around the year. Best Time To Visit Thailand Beaches Image source: a.cdn-hotels.com Thailand has way too much to offer, and you might want to plan it out to explore the nooks and crevices of this country that you can’t get enough of. Like any other country, Thailand also has seasons that you can enjoy at its best and worst. Here are the peak, shoulder, and low seasons. Peak Season (November-February) Image Source: pyt-blogs.imgix.net These months are usually known for bringing winter to the rest of the planet, but in Thailand, this is the best time for a holiday. The air gets less humid, and the sun does not get too rough, bad enough to drench you in your own sweat within a few minutes. The evenings are cool, too, with a light sea breeze swaying in giving comfort to visitors. Shoulder Season (September-October) Image Source: pyt-blogs.imgix.net In these seasons, the weather keeps getting better, and yet they are not the peak times yet. There is sporadic rainfall with drier days in between. The temperature as well as humidity also fade away. The beaches are less crowded, so if you can face the occasional heavy pouring, these months can be very suitable for your Thailand visit. Low Season (April-May, July-September) Image Source: a.cdn-hotels.com Although it is said that there is no bad time for you to enjoy Thailand, there is totally an inconvenient time. Two actually. The months between April and May get extremely hot, and if too much heat becomes an issue, a holiday during those months must be avoided. As July begins, monsoon comes, and the next three months become the most damn times in Thailand. The streets are flooded, and the air around is stuffy and humid. All you can do is sit in your hotel room and look at the water gliding down the building. Travel SeasonsMin/Max TemperatureSeasonMarch to July30-34 degreesSummer - Hot and humidJuly to October23-29 degreesMonsoon - Heavy rainfallNovember to February18-32 degreesWinter - Cool and pleasant Thailand In The Winter Season (November To February) Image Source: images.travelandleisureasia.com Now that you know what Thailand feels like at its peak season in the winter, here is a glimpse of everything you can expect if you plan to visit this year. Temperature Avg. of 32 degrees high to 18 degrees low. Weather Image Source: www.tripsavvy.com There is no doubt that winter is the best time to visit Thailand. With the monsoon gone, the temperatures are moderate and just perfect for a holiday outdoors. The air is much more dry and sunny. It makes the environment all around warm and pleasant. The only downside is that with improved weather, the crowd gets thicker too. But really, with those beautiful beaches and the amazing cityscape, the more, the merrier. If you stay on the coast, the weather is warm and pleasant. But if you head up to the mountains or further inland, the nights will tend to get colder, making you carry a light shawl or winterwear to keep the cold away. Events Image Source: phuketfmradio.com In the winter, Thailand is a pretty quiet time despite Christmas and New Year. But not when it comes to the nation’s own festivals, especially December 5th, which is the birth anniversary of the King of Thailand, which is a nationwide fanfare. The focal festivities are held in Bangkok, with the streets coming alive with celebrations, a candlelight vigil held for the king’s long life, along with an appearance of the king himself if his health supports it. You can plan to stay back just until January and February to witness Thailand usher in the Chinese New Year. The date changes every year as it is based on the lunisolar calendar. There are lion dances, parades, fireworks, and stage shows. The experience is truly one of a kind, and you should not miss it if you happen to visit at the time. The Chiang Mai Flower Festival is held in February, which is a 3-day festival held at the end of the “cool season.” It features grand parades and a vibrant display of chrysanthemums and the Damask Rose- varieties found only in Chiang Mai. Wrapping Up With the winter just around the corner for Thailand, all the festivities are creeping in this is your chance to book your tickets and plan an elaborate holiday in and around the winter season in Thailand. This could be the best way to celebrate Christmas and the year on the most colorful note. If you are still thinking about the best time to visit Thailand, you simply need to get a trip to Thailand during the winter months, preferably in January and February, when you can spend your winter days wearing flip-flops under the sun. If the sound of beaches does not excite you in those cold bone-chilling winter months, we don’t know what will. So, If you have thoughts to share or questions to ask, please leave a comment below. We would love to hear from you! Read Also: This Is The Best Time To Visit Iceland & These Are The Things You Should Do! Maldives And Bora Bora Among Top 10 Tourists Spots In The World This Is The Best Time To Visit The Seven Magic Mountains In Vegas!

BY  Sibashree Sep 12, 2024

No, it’s not the battle of the Starks, Lannisters, and other houses of Westeros. In Canada lies Kootenay National Park, the actual land of ice and fire. The glacier-made canyons and valleys sing the song of the ice, while the hot springs and grasslands keep the “fire” element alive here.  Also, the national park is a hub of ancient fossils, encouraging walks through the fossil trails. Moreover, you can take a scenic drive through the park, rich in Indigenous culture, history, architecture, and cultural landscape.   So, do you want a virtual tour of this Canadian national park? THIS is where your journey begins! THESE Are The Things You Will Do At Kootenay National Park With no cell service available in Kootenay National Park, you can get lost in the wilderness and explore the most fascinating landscape. However, being respectful to the wildlife is a must for this national park. This August, I came across disturbing news while doing my research on Kootenay National Park.  I have been in touch with a local from Radium Hot Springs for quite some time now. He told me that a grizzly bear coming out of Kootenay National Park was almost struck by an SUV on 19th August 2024.  This incident occurred on a busy highway in southeastern British Columbia, and fortunately, the Kia Sportage SUV made its way to the other side safely. Further, it was a lesson on why following the safety guidelines is crucial while driving in and around the Kootenay National Park. On the major routes of Kootenay National Park, you will have to maintain a maximum speed of 56 mph.However, on the minor routes, the highest driving speed limit will be 37 mph.  Also, around one month before the incident, on 24th July 2024, there was a minor fire in the  Sinclair Canyon slopes (near Radium Hot Springs) of the national park. It was called the Berland Ridge wildfire. This fire was under control thanks to a helicopter bucketing water on it. However, outside the park’s southern boundary, there was a blazing fire that was brought under control after pain-stricken efforts.  So, these incidents show how mindful and cautious you need to be while taking part in the following activities.  Hiking In Kootenay National Park (Hikers’ Favorite Trails) The hiking trails in Kootenay National Park are full of elevation gains and losses. Also, today, the national park has more than 70 hiking trails at easy, moderate, and difficult levels.  However, I have curated a few hiking trails in the table below. After interacting with a couple of hikers, I found out that these are the ones most preferred. Name of the Trail Difficulty LevelDistanceLocationHighlightsMarble CanyonEasy1.4 Km with 42 M Elevation Gain Located near Lake Louise, AlbertaHiking, snowshoeing, and running are the favorite activities here.It is a pet-friendly and kid-friendly trail. It is a year-long hiking trail. Stanley Glacier Trail Difficult 10.9 Km with 607 M Elevation Gain Located near Lake Louise, AlbertaSnowshoeing, camping, and hiking are popular activities on this trail.You can take your dog as a company.June to September is the best time to hike this trail. Sinclair Canyon via Juniper Trail Moderate5.8 Km with 291 M Elevation GainIt is close to Radium Hot Springs in British Columbia.You will have to hike through a beautiful cedar fir forest on this trail.The view of verdant Sinclair Canyon Falls and the Columbia Valley from this trail is breathtaking.Marble Canyon to Paint PotsModerate2.9 Km with 110 M Elevation GainRadium Hot Springs (Marble Canyon Parking Lot  - 89 km east of Radium Hot Springs, Paint Pots - 86 Km east of Radium Hot Springs).Explore a good mix of mature and burnt forest throughout the trail.Behold the Vermillion River running parallel to the trail. Floe LakeDifficult10.5 Km with 1,110 M Elevation Gain Near Radium Hot Springs (72 Km East)Backpacking and camping are popular activities on this trail. The trail leads to the Floe Lake Backcountry campground. This popular meadowy trail is known for its views of peaks, glaciers, and the beautiful Floe Lake. Numa CreeksModerate 6.3 Km with 385 M Elevation GainThe trailhead is near the Numa Falls, which is 80 Km east of the Radium Hot Springs. It is a forested trail.The trail leads to heavy avalanche paths in the park.  The hikers’ words about the trails in this national park are quite encouraging. Let’s find out what they are saying about the mesmerizing hiking trails.  “This is a beautiful, deep canyon hike. The trail crosses the canyon multiple times to view the ferocious Kootenay river below. Hiking boots aren't necessary since it is a well-traveled trail.” - Deborah Turcotte on the Marble Canyon Trail  “The trail was mostly dry and in very good condition. No snow on the trail, just a few short wet spots. Trek up is mostly sheltered but a bit chilly and windy in the bowl so bring layers as the temp changes quickly when the sun is behind clouds. Still lots of snow in the bowl. Found one rock with fossils. There are a few small waterfalls on Stanley Peak. Lots of boulders at the base of the bowl to sit and enjoy a lunch and 360 views. An easy to moderate 3-4 hour hike with nice views of Stanley Peak, Storm Mtn, and the Kootenay Valley.” - Sue W on the Stanley Glacier Trail  Kootenay National Park Camping  Kootenay National Park is a wonderful place for frontcountry and backcountry camping. You can even live in oTENTiks and spend some unforgettable days in the park under the sky.  Frontcountry Camping You can camp near the Vermillion, Kootenay, and Simpson rivers. Also, you can find some quiet spots near Radium Hot Springs village.  Summer is the best season for front-country camping in the national park. However, the sites remain crowded. So, you must go for a prior booking.  Further, the daytime temperature in the national park remains between 16-23 degrees centigrade. Still, the temperature at night can drop below 0 degrees centigrade. So, abiding by the camping rules is crucial, and especially, be particular about the things you will have to carry. Moreover, like camping in any national park, here also you have to ensure that you don’t leave any trace behind as you leave the site.  Backcountry Camping Backcountry camping and backpacking are the best ways to explore the wilderness of this Canadian national park. However, you must make a prior booking and carry a backcountry permit if you want to spend some days and nights amidst grizzly bears, black bears, wolves, elks, and cougars.  Further, there are six backcountry camping grounds in the park, five of which are located along the  Rockwall Trail. The  Verdant Creek Trail has the sixth camping ground.  Random camping is not allowed during summer, as protecting the landscape and vegetation is crucial. This restriction applies from May to October.  However, in the winter months, you can do random camping in the designated areas. You will still need a permit for this. As I have mentioned, the Rockwall trail is the most prominent place for backcountry camping in the park. This site is also popular for the presence of various multi-day hiking trails. These trails are: Honeymoon Pass and Verdant Creek Tumbling - Floe The Rockwall  Tumbling - Helmet - Ochre Loop Numa Creek Helmet Creek and Falls Tumbling Creek Helmet - Ochre Junction In the popular backcountry camping areas, the trails are maintained quite well. Further, there will be amenities like food storage cables, food lockers, picnic tables, and tent pads.  Living in oTENTik An oTENTik is a modern fusion of a cabin and a tent. In the park, you will find the oTENTik site on the Redstreak campground’s A loop.  If you stay in an oTENTik, you will wake up amidst nature, and taking a bath at the hot springs will be the most rejuvenating experience. Then, you can explore the nearby hiking trails and gorge on traditional meals cooked in the campfire.  Relaxing At Radium Hot Springs  Beneath the colorful Sinclair Canyon mountains lie the most refreshing hot springs. Further, the mineral-rich water of the hot springs does not have any odor, and you can take a bath with your entire family.  To reach the Radium Hot Springs, you must drive from Banff and Lake Louise for around 1.5 hours. Further, the journey is as interesting as the destination, as you will get to small turquoise lakes, falls, canyons, and bridges over rivers as you drive through the Kootenay National Park. Also, don’t forget to stop at the following locations to make the most of your journey. Continental Divide (The line diving the Pacific and Atlantic watersheds) Marble Canyon Hike Paint Pots Trail Numa Falls Kootenay Valley Viewpoint (It is the place to get the most beautiful view of Vermilion and Mitchell Ranges.)  Olive Lake Trail and Day-Use Area However, the highlight of the journey, of course, is the Sinclair Canyon, where you will also find big horn sheep roaming. As you hike through the Juniper / Sinclair trail, you will get a “bird’s eye view” of Sinclair Canyon.  Further, as you enter the Radium Hot Springs village, you will see an iconic steel horn sculpture. The “Bighorns Public Art Sculpture” was officially unveiled on 7th April 2021. Moreover, Clara Reinhardt, the mayor of Radium in 2021, said,  “We chose something that implies a sense of arrival to Radium, the Columbia Valley, and beyond. We captured the undeniable natural beauty of the curved horns through a Fibonacci spiral—the golden ratio in nature and art.” “We wanted to create a piece of art that speaks to both the history and the future of bighorn sheep in Radium. We captured the undeniable natural beauty of the curved horns through a Fibonacci spiral—the golden ratio in nature and art.” - Adam Meikle (Artist of the Bighorns Public Art Sculpture) Burgess Shale Fossil Hike  The Burgess Shale Fossil Hike in the national park will give you access to Mount Stephen and Walcott Quarry. These are UNESCO Restricted Sites. Further, you will get to see some of the oldest fossils in the world here.  However, in total, you have three routes to explore in the Burgess Shale Fossil Hike. Let’s discuss them in detail.  Walcott Quarry Starting Point: Takakkaw Falls Difficulty Level: Difficult  Elevation Gain: 825 Meters Duration: 11 Hours Return Distance: 22 Kms Walcott Quarry is a classic example of a fossil hike. Also, the top view of the Emerald Lake from here is amazing. Further, you will find Burgess Shale creatures here, which were found in fossilized conditions at the mountaintop in the Yoho National Park.  “The Burgess Shale organisms lived 508 million years ago in a time period that Geologists call the Cambrian, which began at 541 Ma (million years ago) and ended by 485.4 Ma. The first fossil occurence of most animal lineages (at the phylum and class levels) occur in the Cambrian. As a result of this fact, and because the fossils are well preserved, Paleontologists studying the Burgess Shale fossils can deduce a great deal about the ancestory of animal lineages.” The Burgess Shale fossils were discovered at the Walcott Quarry site in 1909 by Charles Doolittle Walcott. 1 Mount Stephen Difficulty Level: Difficult  Elevation Gain: 795 Meters Duration: 7.5 Hours Return Distance: 9 Kms As you hike through the Mount Stephen trilobite beds, you will get to overlook the “town of Field” in British Columbia. Railway workers in the 1880s used to call the town of Field the space of “stone bugs.”  Further, during this trek, you will see trilobite fossils (now extinct and one of the earliest marine arthropods), and the view of the Kicking Horse River from the trail is amazing.  Stanley Glacier Difficulty: Moderate Return Distance: 10 km Elevation Gain: 385 m Duration: 7.5 hours You will start hiking the Stanley Glacier in a fire-swept forest. The forest has lodgepole pine and wildflowers. Further, along your route, you will get to see a turquoise river, waterfalls, and the best view of the Stanley Glacier. Moreover, you will get to see the fossils of hyolithids, sponges, trilobites, and sponges here, and they are from the Eldon Formation.  Cambroraster, an ancient arthropod, and many other species are found in the quarry near the Stanley Glacier. Further, the shell of a Cambroraster looks like the Millennium Falcon spaceship in its shape. Important Kootenay National Park Data At A Glance  Before you start for the Kootenay National Park, don’t forget to have a look at the stats. Location: British Columbia, Canada Established: 21st April, 1920 Area: 1,406 km² Highest Landscape: Deltaform Mountain (3,102 m) Designation: UNESCO World Heritage Site in 1984 (As Part of the “Canadian Rocky Mountain Parks ) Visitor Center: Kootenay National Park Visitor Centre (7556 Main Street East; Radium Hot Springs, B.C.) How to Reach: Via Highway 1 from Banff, AB or Calgary, AB/Via Highway 95 at Radium Hot Springs, BC Also Read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. From Cocktails To Kickflips: Must-Try Activities In San Diego.

BY  Sibashree Sep 5, 2024

Is it about getting most of your travel credits? It’s time to check out the FintechZoom best travel credit card alternatives.  As I was traveling in July this year, the travel credit card I was using gave me a lot of hassle. Only a traveler stuck in a foreign land knows what a nightmare it is! The bonus policies were all over the place for me, and every time I wanted to redeem my award points, the hotels charged me a certain fee. I was angry and did not know why I earned those points!  However, as I returned home, I started exploring other options and found the Platinum Card® from American Express a feasible option.  Then again, a better option for me may not work for others. So, as a traveler, I felt that I should have a sincere discussion about the traveler-friendly options available.  The travel credit card you choose will decide your travel benefits and how many miles you gather. FintechZoom has suggested some of the most suitable travel credit card options. In this guide, we will delve deeper and determine the best options for you.  THIS IS Why You Will Choose FintechZoom Best Travel Credit Card Let me be as honest as a mirror for you! I am always skeptical about what financial solutions to trust, and I piss my partner off with endless questions as he has a better understanding of these things. Then again, he wanted me to learn things the hard way. So, he suggested that I explore the FintechZoom options.  FintechZoom is the best platform for choosing the best travel credit card because of its in-depth analysis and comparisons. Further, FintechZoom makes the most of the artificial intelligence (AI) technology to provide specific information based on accurate financial stats.  In addition, I was really impressed by the transparency of the platform, and the app offered easy navigation while I was exploring options.  THIS Is The FintechZoom Best Travel Credit Card  Here, I present the FintechZoom best travel credit card! I will keep it to the point and drive to your travel requirements.  1. Chase Sapphire Preferred® Card As I was exploring the Chase Sapphire Preferred® Card travel benefits, I found out that USA Today has called it the best travel credit card for “beginners and experienced travelers.” Indeed, the terms are pretty clear and transparent.  Also, my research said that in 2021, Chase was the largest credit card issuer based on market share. So, there is enough backing to go by the FintechZoom suggestion.  What You Get From The Chase Sapphire Preferred® Card The table below explains the benefits of the Chase Sapphire Preferred® Card.  Welcome Bonus60000Flexible Point Transfers* 14 Airline or Hotel Partners (Or you can redeem through Chase Travel℠ at 1.25 cents each.)Travel Purchase through the Card5x Reward PointsDining3x Reward PointsAll Other Travel Purchases2x Reward PointsAnnual Hotel CreditsUp to $50Points Worth 25% More When Booking Travels (For example, for 10000 points, you will get $125 as cash back or gift cards)Yearly Bonus10%Repay Eligible PurchasesUp to 24 Months Without Interest (Purchase of $100 or More)Complimentary Travel Protections$10,000 Per Person and $20,000 Per Trip (Against non-refundable, pre-paid travel expenses when the trip is canceled or interrupted)Purchase Protection Benefits $500 for Each Item and $50000 for Every AccountForeign Transaction FeesWaived OffReferral PointUp to 75000 a Year on Successful Referrals (15000 Points on Each Referral)  However, I found two downsides of the card. The $95 annual fee is a little bothersome. Also, the “21.49%-28.49% variable APR” is high.  * Point transfers can occur among 11 airlines and 3 hotel partners on a 1:1 basis. So, there will be no transfer fees. Marriott, Hyatt, United Airlines, Air Canada, and Air France are some of the prestigious partners for this point transfer benefit.  2. The Platinum Card® from American Express Platinum Card® from American Express is celebrating its 40th year. So, you will get many years of trust and safety when you pick this one. Further, with this best travel credit card, you will get access to airport lounges, and as I have started using this travel credit card, I am already in love with the car rental benefits.  Even though the $695 annual fee is quite high, it has offered me more than $1500 in benefits and values. For me, it is a suitable option as I travel quite often. Honestly, the high annual fee can be justified only when you are using the card frequently. “No other card comes with as much perk potential as The Platinum Card® from American Express (terms apply, see rates & fees). If you travel frequently and want to do so in style, this card deserves a place in your wallet. However, this card is best for urban fitness buffs, frequent travelers, high-end shoppers and those who want top rewards on flights and premium accommodations. If you don’t fit the profile, justifying the $695 annual fee might be a stretch.” - Forbes This Is What You Get From Platinum Card® from American Express Learn the American Express Platinum Card® benefits from the table below.  Membership Rewards80000 (After spending $8000 on “eligible purchases in the first six months of the card ownership.)Foreign Purchase Transaction Fees NoneFlight And Prepaid Hotels Booked through the Card5x Reward PointsOther Purchases 1x Reward PointsAirline Free Credit Up to $200CLEAR® Plus Membership$199Global Entry or TSA PreCheck® Application Fee CreditUp to $85Hotel Benefits Up to $200Digital Entertainment CreditMaximum $240Equinox Credit $300Cellphone ProtectionUp to $800 for Each Eligible Card Account Further,  British Airways Avios and Air Canada Aeroplan are some of the prestigious aviation partners of this travel credit card. Also, among the hotel partners,  Marriott Bonvoy and Hilton deserve a special mention.  I am so proud to have chosen this card!  3. Capital One Venture Rewards Credit Card The Capital One Venture Rewards Credit Card offers an easy and transparent reward program. Here is what you get with this best travel credit card. Unlimited 2x reward points on every purchase 75000 sign-up bonus on a $4000 purchase in the first three months 1,300+ airport lounges access So, overall, this is a card for travelers who go on a trip twice or thrice a year and prefer simple terms.  4. Citi Premier® Card The Citi Premier® Card has great rewards for travelers. You can earn 3x reward points on air travel, hotel booking, and gas station usage.  You have to visit the ThankYou® Rewards program to redeem your reward points. Further, you can transfer the points to the airline partners of the travel credit card for added benefits.  Things No One Told You About Choosing FintechZoom Best Travel Credit Card FintechZoom’s selections are great, and now you have better options. However, to choose the best travel credit card for you, you will have to abide by the following smart tips.  Earlier, I was foolish not to think of these aspects, and I don’t want you to make the same mistakes.  Consider Your Travel Habits You must keep your frequency and expense of traveling and the benefits a card offers on purchases. Further, be careful about dining, lodging, flight booking, and car rental benefits. These are the things that cover the majority of our travel expenses, right?  Know the Sign-Up Bonus When you get a travel credit card, know the minimum amount you need to spend to get the sign-up bonus. It is crucial to get the sign-up bonus if you want to increase your rewards balance.  Further, make sure that the minimum amount you need to spend for the sign-up bonus is within your budget.  Look at the Annual Fee Is your travel credit card waiving off the annual fee for the first year? Or does it offer annual credits?  These are some of the factors that you need to consider to get the best travel credit card. Also. ensure that the perks and rewards of your card are more than the annual fee you pay.  Know About The Foreign Transaction Fees Benefits Foreign transaction fees are bothersome for international travelers. So, waiving foreign transaction fees is crucial if you travel to other countries frequently.  Flexible Redemption Options Flexibility and versatility in redemption options are important while using a travel credit card. The best one will allow you to transfer points to hotels and airline partners.  Of course, the option of redeeming your points as cashback or gift cards is always available.  FAQs About FintechZoom Best Travel Credit Card 1. What makes FintechZoom’s travel credit card recommendations reliable? FintechZoom is famous for its objective and accurate reviews. Further, FintechZoom has reviewed factors, such as sign-up bonuses, redemption points, travel benefits, and annual fees, to suggest the best travel credit cards for us.  Also, the FintechZoom travel credit card suggestions cater to all types of travelers and their different requirements.  2. Can I have more than one travel credit card? Yes, you can have more than one travel credit card. Each card comes with its unique reward redemption benefits and bonuses.  If you are an aware user, you will know the perks of each card and which one will be the most suitable for the type of travel expenses you are making now.  So, use your cards strategically to optimize your travel benefits and earn more points.  3. How can I maximize my travel rewards with the FintechZoom best travel credit card? You can follow simple tricks to optimize your travel credit card benefits.  Know and use the sign-up bonuses. Pay your credit card bill in full and final at the end of every month. Know and transfer the transfer points and transfer them to travel and airline partners for optimized benefits.  4. Are there any downsides to using the FintechZoom best travel credit card? Yes, some travel credit cards can have downsides in the form of high annual fees and APR. Also, the interest rates of these credit cards increase in leaps and bounds if you don’t pay the monthly bill in full. Therefore, you have to be mindful of your financial state and control your spending habits before you apply for a credit card.  Also read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. From Cocktails To Kickflips: Must-Try Activities In San Diego.