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If keeping track of sign-up points and bonus miles sounds like a hassle, don't be dismayed.

The idea that credit card points are more trouble than they're worth is one of the biggest myths, according to Kelly.

My husband and I have become point geeks, even choosing travel destinations based on the best miles deals we can find.

After taking my first miles flight to Europe, I got hooked and made it a goal to save up miles for more business-class flights.

At 23 years old, I used my Bank of America debit card for everything.

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