I use credit-card points to book almost all my travel, but I try not to carry a balance on my cards. AdvertisementI am a frequent traveler — on average, I fly at least once a month — and I put most of my expenses on my Delta co-branded airline credit card. As someone who books most of my travel with points and miles, here are things I'd never do. Caroline Purser/Getty ImagesIn my experience, it's rarely a good value to use my airline miles and credit-card points on hotel stays or vacation packages. It's my oldest credit card, and the interest rate is reasonable, so keeping it is good for my credit score for now.

---

Persons: —, I've, Caroline Purser, I'm, that's Organizations: Service, Southwest Airlines Locations: San Antonio, Fort Lauderdale