Using consumer intelligence

If the consumer is already used to making credit card payments before the interest and fees are due this may be a good option. However, more often than not consumers pay the bill after interest has accumulated, which will always cost them more money. Postponing the card payment is much like layaway. It can cause an accumulation of hidden fees and, in the long run, will cost the consumer more money. Acquiring many of these store credit cards could make it more difficult to keep track of payment due dates, interest, fees, and costs.

Although the deals can be tough to sort through, with a little consumer intelligence it's easier to make it through the holidays without breaking the budget.