Do you have a lot of frequent flier miles that you haven’t used? You may want to dedicate some time to using them. That’s because airlines are changing the expiration deadlines and they are not in your favor. United and USAir now require that you use your miles within a year and a half, and with Delta it’s now two years. It’s getting harder to use miles and the time limits are decreasing, so it may be time to switch rewards cards. About 12 years ago, the idea of earning miles other ways came about. You choose a certain lender, you earn miles. You buy a certain car, you earn miles. So, these miles are piling up and it’s important to burn them. Clark recommends using them on overseas trips. It’s the best way to avoid losing all those miles you’ve earned. Also, Visa is coming out with a new product that will offer fancy rewards and higher amounts of cash back. The cards will be out by summer and people who spend a lot of money will benefit. Visa will target people who use American Express. Merchants won’t like this deal because they will be charged a heft price per transaction. But airline card refugees who are looking for a new deal may want to consider this one.