Flat illustration of a credit card with wrapped holiday gifts and a bauble in navy, teal and gold

Should You Use a Credit Card for Holiday Shopping? Read This First

Every December, the same question comes up at every checkout counter in America: card or debit? Cash or credit? And every January, about half of holiday shoppers get an answer they didn’t want. ICSC’s 2026 holiday survey found that 50% of consumers say their personal or household debt will affect their holiday spending — and …

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