Save Money - Spend Cash

The percentage of consumers who will pay for holiday gifts with cash or debit cards instead of credit cards is expected to rise this year, a trend that could further depress holiday sales.

A shift away from credit cards could make what is expected to be a difficult holiday season even more challenging for retailers. Store clerks have long found that it's easier to persuade people who are using credit cards instead of cash to spend more than they were intending, says NRF spokeswoman Ellen Davis.

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