Smart credit card use for holiday shoppers
News from Clay-Times Journal:

Smart credit card use for holiday shoppers

(BPT) – What would holiday shopping be without credit cards? Using credit cards wisely can help you score some good deals, and offers a layer of consumer protection that cash and debit cards can’t. Still, if you get carried away with holiday spending, the season’s “Ho, ho, ho!” can turn into “Oh, oh, oh!” come January when the bills arrive.

When holiday shopping, it’s important to find the right balance of when to use plastic and when not, and to understand your credit status before you give your cards a workout. Fortunately, some planning and precautions can help ensure you use credit wisely this holiday season.

Before you start using credit cards for holiday shopping, take a look at your credit score and report. Knowing your current credit status will help you better understand how much (or little) credit you can afford to use this season. When you enroll in a product such as freecreditscore.com, you are provided access to tools that can help you understand ho…………… continues on Clay-Times Journal

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Related News:

Credit Card Use Rebounds as US Loan Balances Rise by $ 14B
News from eCreditDaily.com:

U.S. consumer credit, not including real estate loans, increased more than expected in October, driven by a rebound in credit card use.

It marked the third consecutive month of increased consumer borrowing, a good economic harbinger for the holiday shopping season and overall consumer spending.

The Federal Reserve said today that both revolving and non-revolving credit jumped $ 14.2 billion in October after rising by an upwardly revised $ 12.2 billion in September.

Economists had projected an increase of $ 10 billion.

Revolving credit, which includes credit cards, saw an increase of $ 3.38 billion after falling $ 2.19 billion the prior month.

Non-revolving credit, which covers auto loans and student loans made by the government, surged $ 10.78 billion.

The Fed’s consumer credit report does not include loans backed by real estate.

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