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Underused credit card perks could be costing you. Learn how a few small changes in how you pay might help you hold onto more of your money.

You’re paying for that credit card anyway, whether through an annual fee or by using it for everyday purchases. Most cardholders leave hundreds of dollars worth of benefits on the table every year, simply because they don’t know these perks exist. Drop your phone lately? Before you shell out for a repair or replacement, check which credit card you use to pay your monthly phone bill.