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Meanwhile, buying something with a credit card can afford you more protection than buying using a debit card or cash.

Some credit cards are even designed to help those with bad credit to improve their credit rating, helping open the door to a whole range of other financial products they may not have otherwise been eligible for.

And to find out how, we asked rental car experts (read: car rental agency employees who agreed to spill if we kept them anonymous) for their tricks of the trade.

use an airline-branded credit card for all your spending, car rental agency member programs -- like Emerald Isle, Hertz Gold, Dollar Express, Thrifty Blue Chip, Avis Preferred, Budget Fastbreak -- are free to join, don't require a credit check, and begin accruing benefits pretty much immediately.

The “stoozer” scoured the market for the best credit card deals, such as the zero per cent introductory rates offered by providers to lure in new customers.

They then drew down this money and put it into the highest-paying deposit account they could find. So the reward for your efforts – all that annoying paperwork and diary-keeping – could be considerable.

While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products." The risk of identity theft continues to increase.

We also identify the best credit monitoring services so that you are prepared and protected.

Identity theft is any attempt by another person to use your identity for their own personal or financial benefit.

" -- it's off-putting and ineffective and will likely result in the agent doing little to go out of his or her way to help you.

But if you come in brandishing your AAA, Sam's Club, or Costco memberships, you are identifying yourself as a savvy bargain hunter and will likely be rewarded with a discount equivalent to what you would have paid for an upgrade.