It usually starts with one harmless click — a “free trial” for a streaming service, a $9.99-a-month wellness app, a subscription box that promises to make your life easier. You tell yourself you’ll cancel before it renews. But you don’t.

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Credit cards are the grease that keeps the travel industry moving. They let companies place holds instantly, cover damages, and process payments without hesitation. But if you don’t have one, booking travel doesn’t have to stop before it starts.

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