stressful time. We all know Christmas is not about the gifts or how
much money we spend, but it's hard not to buy those perfect gifts for
our loved ones even if we really can't afford it. In some cases,
credit cards can be great especially around the holidays; it means
even though we currently don't have the money, it won't stop us from
being able to get those gifts. But now the holidays are over and
you're looking at your credit card statements saying, did I really
spend that much? How many monthly bills do you get? You may have a
mortgage bill, a car payment, heating, electricity, gas, telephone,
television, and that doesn't even begin with your credit card and
store card payments. The best way to avoid these penalties is to look
at the entire situation from the point of view of the credit card
company. Really, all they want from you is to keep your card safe, to
stay within your credit limit, and to make at least your minimum
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