Smart credit card use during holidays pays off
News from Detroit Free Press:

December isn’t only the hottest month of the year when it comes to shopping. It’s also the time of year consumers most often reach for their credit cards.

Last December, shoppers racked up more than $ 851 billion in credit card debt, more than in any other month, according to data from the Federal Reserve Board, and they’re on track to do even more this year.

In September, nearly two out of five consumers told consumer intelligence firm BIGinsight that they used credit cards most often to buy clothing and accessories, the highest percentage since the company began asking the question in early 2009. Debit card usage for clothing and accessories, which has topped credit cards at times in the past few years, was at the lowest level in two years in BIGinsight’s consumer survey.

This attachment to credit cards is expected to continue through the holiday season.

“We’ll see a trend upward,” says Pam Goodfellow, BIGinsight’s director of consumer insights. “Credit cards have kind of a negative connotation nowadays, but they can be a help rather than a hindrance.”

And the holidays may actually be one of the best times to charge your card, given the perks many cards offer that can be especially nice with large purchases, credit card experts say.

“Credit cards offer the best consumer protections against fraud and unauthorized transactions,”…………… continues on Detroit Free Press

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Related News:

Google Launches AdWords Credit Card for UK SMBs, Expands in US
News from Search Engine Watch:

Earlier this week, Google extended the AdWords program that offers advertisers a credit card with rates of 8.99 to 18.99 percent. Now, SMBs in the UK are eligible to apply… if they’ve received an invitation.

Google also plans to extend more invitations to U.S. SMBs later this month. The AdWords credit card was introduced in the U.S. in July 2011. Those without an invitation will have to wait:

The card is offered through Barclaycard in the UK and Comenity Capital Bank in the U.S. The AdWords MasterCard and can be made the primary form of payment, or the backup credit card, on an AdWords account. It cannot be used for purchases outside of the AdWords program and will be declined should an advertiser try to use it elsewhere.

Interest rates in the UK will be variable at 11.9 percent APR Representative, while the U.S. will be at 8.99 percent. The APR is lower than basic credit card rates, and neither card will have an annual fee. There are additional charges for returned payments, late payments, foreign transactions, over credit limit, and copies of statements.

“Every day, AdWords enables more than one million businesses, the majority of which are SMBs, to connect with their custome…………… continues on Search Engine Watch

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