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You may be sensible with your spending but without a credit card, travel hacking can be much more difficult.

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Before, don’t worry, it is still possible for you to earn hotel nights and fly business class for less than economy, but it may take a little more planning and a while longer.

Well you could start by getting a credit card and paying the balance religiously each month or week (which in reality is little different to managing your bank account, although admittedly it involves extra time).

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This month I’ve challenged Anne to write a travel hacking guide for people who don’t use credit cards.

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