And so long as you pay off the balance when you return home, they're cheap to use - most of the time, that is.

Know what your credit card balances are on each of your cards.

If you do not pay the balance every month, rewards cards are not for you.

And ,of course,they add to the balance the amount each bank is owed.

The balance of such loans increases when borrowers choose to pay less than the normal interest due.