Article Categories
» Arts & Entertainment
» Automotive
» Business
» Careers & Jobs
» Education & Reference
» Finance
» Food & Drink
» Health & Fitness
» Home & Family
» Internet & Online Businesses
» Miscellaneous
» Self Improvement
» Shopping
» Society & News
» Sports & Recreation
» Technology
» Travel & Leisure
» Writing & Speaking

  Listed Article

  Category: Articles » Finance » Credit » Article
 

The Christmas Temptation - Department Store Credit Cards




By Roy Thomsitt

Now that we are heading at breakneck speed to the peak retail season (ie Christmas), you will soon, if you are not already, be wondering what to do about all those gifts and other expenses that need to be catered for in the holiday season. November and December are months not only of major expense, but also of major temptation; such as department stores and department store credit cards.

Many of those temptations will be glaring at you in the local department store. The Christmas decorations, the wonderful foods, the specially wrapped sweets and chocolates, the fashions for the Christmas parties, the jewellery and perfume to impress your girlfriend. Increasingly over the next few months you will be surrounded in the department store by people hurriedly stuffing their shopping baskets with all things Christmassy; frantically spending as if there were no tomorrow. Well, maybe there is no tomorrow, I am not privileged to know; but let's assume there is a tomorrow, and lots more, and then it's Christmas Day.

Spending can be contagious. Can be? It is! People go silly in the run up to Christmas. The sad thing is, many of those who do go silly cannot afford it; the shopping binge becomes a credit binge, which leads to a miserable New Year. The department store is like a magnet for this seasonal silliness; whether you are from the North Pole or South Pole, or anywhere in between, the magnetic attraction is there.

One thing you can be sure of is that department stores will be doing all they can to grab your cash in the next few months, whether you have any or not. You have no savings, no cash to spare? Then the department store credit card will be brandished temptingly in every nook and cranny of the store. With all the dazzle, the sparkle, and frenetic buying of a glitzy Christmas going on around you, those easy department store credit cards could be like an oasis in the desert. Money, money, money to spend, spend and spend.

Tempted? Department store credit cards do have their place, but not necessarily in your wallet. Interest rates can be high, so watch out for that if you feel yourself being sucked into their trap. But they're offering interest free credit, I hear you shout? But for how long? Ever? I doubt it. Can you really afford to pay back within the free credit period? There could be a sting in the tail of that credit card from your local department store. So check the offers properly, and the fine print before you sign.
 
 
About the Author
This department store credit card article was written by Roy Thomsitt, owner author of http://www.eliminate-credit-card-debt-now.com - Roy is also responsible for the Christmas Gift site http://www.gifts-for-xmas.com

Article Source: http://www.simplysearch4it.com/article/10466.html
 
If you wish to add the above article to your website or newsletters then please include the "Article Source: http://www.simplysearch4it.com/article/10466.html" as shown above and make it hyperlinked.



  Some other articles by Roy Thomsitt
The Dangers Of Get Rich Quick Schemes -And Other Money Pits
It is an understandable that millions of people have ambitions, desires or passing wishes to have their own business. Let's face it, countless millions of people are in jobs they do not really like, nor get any ...

Decision Making In A Home Based Online Business (1)
Why is Decision Making Important? This is the first in a series of short articles on decision making, as it may affect the progress, or otherwise, of your ...

Preparing For The Birth Of A Baby - Essential Baby Clothes
If you are expecting a baby in the next few months, the chances are you will have started planning for some of her important things, if not doing them and buying them already. ...

Buying A Car With A Bad Credit Record
People with a poor credit record are likely to have as much need for a car as anybody with a good credit record. However, if they want ...

Make A Preemptive Strike Against Christmas Weight Gain
The summer holiday season is over in the northern hemisphere; the days are shortening; and the nights getting longer and cooler. While you cling on to any remnant of summer you can ...

How To Deal With Baby's Desire To Wear No Clothes
One thing you can guarantee about your baby when she is born, and that is she will have no clothes on; she will be naked. ...

  
  Recent Articles
Debt Collection Agencies : Understanding a growth industry
by Martin McAllister

Five General Financial Habits That Can Raise Your Credit Score
by Dulce Azogue

Why Your Credit Score Is More Important Than You Realize
by Dulce Azogue

How To Start Fixing Your Credit Repair Ratings
by Tony Pescatore

Cheap Credit Card: Make It Possible…With Ease
by Josephine Wingfield

Violent Crime On Innocent Victims…Adds To The Victim's Woes…With Mountains Of Unpaid Medical Bills and Bad Credit
by Dale Rogers

How To Eliminate Credit Card Debt
by Tony Pescatore

Bad Credit Is No Longer A Taboo In Loan Market
by Turk Malloy

Poor Credit Does Not Debar You From Getting Secured Loan
by Aldrich Chappel

Credit Card Debt Management Gives Better Solution of Debts
by Ann Gibson

Bank On Your Future And Purchase The Car Of Your Dreams
by Christine Macguire

Business credit card: A new dimension for financing business
by Josephine Wingfield

Can't connect to database