Take care with credit and debit cards this holiday season

It's not just gift cards you need to watch for this holiday season. The editors of Consumer Reports Money Adviser have some tips on how to manage your debit and credit cards. Their top piece of advice: Don't let finance charges and other fees push you over your budget. To keep from spending more than you have to, use the payment method that makes the most sense for you. If you pay off your credit card balance in full each month, charging your holiday gifts won’t cost you anything in finance costs and may even provide a bonus in the form of a cash-back or other type of reward. If you’d rather spend only what you have on hand but don’t wish to carry large amounts of cash, use a debit card. Get more info and tips here.