It's easy, pay with cash instead of plastic. On Common Cents, Marlo Brawer tells us what you should do if you absolutely have to pay with plastic.
Credit cards are fast and convenient.
You can take them anywhere and pay for just about anything. But as you know, a swipe of the card now means a bill will come in later. The Consumer Credit Counseling Service in Oklahoma City says it anticipates to see more new clients after Christmas when those bills come in. Credit counselors say use the card with the lowest interest rate to do your Christmas shopping. It's also easier to keep track of just one card than a whole bunch of cards with high credit limits.