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California consumers can avoid holiday credit card debt

The holidays are right around the corner, and that means consumers are likely to increase their spending habits. Many California consumers are usually on the hunt for the perfect gift for their family members and close friends. It's important to exercise smart spending habits during the holidays in order to avoid high credit card debt.

One strategy consumers can use is to obtain a credit card that adds no interest charges on new items that they buy. Even though the zero interest charges are for a fixed amount of time, consumers do not have the burden of those types of charges for the next 18 months. Of course holiday shopping can be irresistible, but it's best to keep within a certain budget. Along with interest-free purchases, consumers stand to benefit more when they make their monthly payments on time and in full.

Using a credit card during the holidays is a favorable technique used by many to facilitate their purchases while keeping their cash flow. However, it's important to remember that credit cards are another form of payment and not a personal line of credit. Many consumers get so caught up in their shopping spree that they carry their balance for an extended period of time, causing more of a financial headache.

In many situations, a consumer's holiday spending turns into debt that becomes unmanageable. As each month goes by, the credit card debt keeps piling up, and interest charges start to kick in. Often California consumers have their backs against the wall and feel that there is no way to recover from their struggles. However, there are pathways to success and options available for debt relief. People in this situation may want to research how filing for bankruptcy can relieve them of their financial burdens.

Source:, 4 holiday credit card strategies- MSN Money, Jason Steele, Oct. 28, 2013

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