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23/11/2011 -
While a recent Burst Media survey found consumers will opt mainly for debit- and cash-based transactions this holiday season, credit card use will still be in abundance. For consumers looking to finance their holiday shopping, it's important to make a few considerations about incurring debt.First, run up your balances on cards with low interest rates. With card offers on the rise, savvy consumers will take the low introductory APRs as a chance to make low-interest purchases on major shopping items.
"Make sure you're aware of when the promotional period ends and come up with a plan to pay your balances off, before your rate jumps," reports Amy Fontinelle for Investopedia. "Also, start thinking ahead to next year. How can you set yourself up now, to minimize the interest you'll pay in 2012?"
In financing your spending, target the balances with the highest interest rates first - not just the ones with the highest actual balances. If you decide to move a balance to a new card, be wary of transfer fees, as they are often dependent on a number of circumstances.
