When you are at the airport and wanting to pay via a kiosk for checked or excess baggage a phone could make more sense than a credit card.

当你需要在机场柜台支付托运或者超重行李的费用，使用手机进行支付比信用卡更合理。

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Make sure you don't have a sleeper card, one you hardly use but still pay an annual fee for, in your wallet.

看看你的钱包里是否有张“睡眠卡”——很少使用却还在付年费的卡。

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Other requests have included asking for embassy staff to pay a bill when a credit card had "maxed out" and a traveller asking "Can you t ell me how to make my naughty son behave?"

其它怪问题还有，信用卡刷爆了，想让大使馆工作人员付账单，还有一位旅行者问道：“能告诉我怎样才能让我淘气的儿子规矩点儿？”

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If points were the only type of credit card reward available, they might make for a more attractive deal: all you have to do to earn them is use your credit card.

FORBES: Credit Card Tip Of The Week: Your Rewards Points Are Worthless

Instead, when you make a purchase, you sign for it in the same way you do for traditional credit card purchases.

FORBES: Credit, Debit And Charge: Sizing Up The Cards In Your Wallet

Try to make sure upfront that you qualify for the card so you don't have to apply elsewhere after a rejection.

WSJ: Getting Going: The New Credit-Card Rules