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3. Change payment due dates
Here's something you might not know: Billing dates aren't carved in stone.
If you're not juggling bills and paychecks, it can be a lot easier to remember one due date than 3 or 4, says Joe Ridout, consumer services manager with Consumer Action.
Call card providers and get all your billing dates moved to the same day each month, he advises.
"So, if you have 5 cards, have them all due on the 10th of the month," he says. "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.
Bonus travel tip: Want to reduce your stress now -- and after your vacation? Remember that even when you use plastic, what you're spending is still real money, says Arlowe, of the American Financial Services Association.
When you whip out that card, "think of yourself as taking it out of your checking account," she says. "Be mindful of what you budget and don't go crazy."