This Aug. 11, 2019, photo shows a credit card in New Orleans. Credit cards can be useful and convenient payment tools. But beyond just getting points or miles and perks, they also have strategic or unexpected uses you may not have thought of. AP PHOTO

CREDIT cards are daily payment tools for many people, but yours probably also has unintended tactical uses you never thought of, such as slicing open the birthday card envelopes your grandparents send.

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