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Know the holiday retail and spending trends

With the increase in gas prices, and the slow down of the housing market, you may think consumers will cut down on their holiday spending in 2006. But many reports and surveys have shown these concerns will have little to no impact on what consumers will spend this year. According to a report from the Radio Advertising Bureau, consumers have withstood challenges this year from energy costs, slow growth in Low Interest Credit Cards and softness in the housing market, and they will continue to Union Plus Credit Cards bullish about the economy and their own financial well-being. Overall spending is expected to be up for many key categories.

Gift Cards

Same as last year, gift cards are expected to be the top holiday purchase this year. Last year, 66 percent of consumers bought at least one gift card. Gift cards are an excellent idea if you are not sure what the person will like. However, many people think they are too impersonal. Retailers on the other hand, like gift cards. They like the idea when consumers come in to use the gift cards, there is a good chance the consumer will want to use the entire gift card balance and even spend more than the gift card.

Department Store Credit Cards

Everyone knows when the holiday season approaches, many department stores Bad Credit Credit Credit Fix Repair Report Restoration zero-percent financing or an additional percent off for consumer purchases. A survey conducted by Roper Public Affairs, stated that when consumers were asked how likely they are to make a major purchase this holiday season using either a zero-percent financing or a no payments/no interest offer, fewer than two in ten (18 percent) Answer Card Credit Instant it is very likely that they Credit Less Loan Perfect Than Additionally, 71 percent responded that if they were to take advantage of such an offer, they would plan to pay off the total due before incurring any interest charges.

This same survey also found a correlation between age and income level. Ninety-five percent of consumers 65 and older say they are highly unlikely to take advantage of store credit card offers. Twenty-five percent of consumers with household incomes $50 k or greater say they are very likely to take advantage of such an offer. Eighty-one percent of consumers with household incomes $50 k or greater say they would pay off the whole purchase before the interest is due.

If you choose to take advantage of such deals, make sure you pay the purchase off as quickly as possible. Department store credit cards are known for charging ridiculously high interest rates after the promotional offer expires. If this happens to you, the initial savings you received on the product when you first bought it will turn into a net loss, especially if you rack up late payment fees. Online Shopping

Federal Trade Commission (FTC) offers tips for safe online shopping

Know the seller. Confirm the online seller's address and phone number incase of problems

Know exactly what you are buying. Look out for descriptions like "refurbished," "vintage," or "close out." These terms may indicate that the products are not in mint condition.

Compare prices of the same product on different website.

Check the privacy policy to make sure the website will not share your personal information with anyone.

Pay with a credit card. Credit cards offer consumers the most protection. Do not send cash!

Use a secure browser. Buy only from websites that offer secure payments.

Consider shipping and handling costs.

Print records of your online transactions. (receipts, confirmation e-mails, bank statements, etc.).

Understand the return policy.

Check delivery dates. A FTC rule requires sellers to ship items as promised or within 30 days after the order date.

Retail store information for 2006

According to Forbes.com, here are their holiday picks. Specialty stores like Victoria's Secret, Coach and Aeropostale, will do very Credit Debt Problem Solving because consumers want premium products. Another specialty store Gap, is introducing their limited edition "Product Red" clothing line just in time for the holidays. Product Red is being promoted by Oprah Winfrey and Bono to raise money for AIDS victims in Africa. Forbes.com says Product Red will bring a whole new customer to Gap stores, some who have not shopped there in years. Huge stores like Wal-Mart and Target have already shown a holiday shopping increase in October. Wal-Mart is now selling top notch electronics such as High Definition (HD) televisions. JC Penny is also expected to do well due their large advertising budget and their "Red Credit Management Solution holiday campaign. The Red Box campaign will feature 20 30 items in advertisement across the whole country.

Protecting your purchases

If you decide to shop with a credit card, choose one that offers a purchase protection plan. There may be an instance that you buy a product that you do not want or a product that breaks or falls apart. Since many stores have a no-return or return for store credit only policy, you are usually out of luck. This is when purchase protection plans come in. If you shop with a credit card that offers return protection, you can receive reimbursement for the purchase price even if the store of origin has a no-return policy. Return protection programs typically involve a limit on the amount per item and an annual limit for the cardholder. Other qualifications such as the condition of the Credit Repair item and the existence of any return/satisfaction guarantee programs at the store may apply. These plans also offer manufacturer's extended warranties. You may not need to buy additional warranties on major purchases because some credit card companies will extend the terms of the original manufacturer's warranty. This service could save you the expense of purchasing extended warranty programs. Make sure you familiarize yourself with coverage restrictions before making your final decision.

Pete Glocker is employed in the Education and Charitable Services Department at Debt Management Credit Counseling Corp. (DMCC), a 501c(3) non-profit charitable organization located in Boca Raton, Florida. Pete graduated from Florida Atlantic University with a BA in Multimedia Journalism and was a web Bad Credit Credit Increase Repair Score Intern for Tribune Interactive products Sun-Sentinel.com and SouthFlorida.com. DMCC provides free financial education, personal budget counseling, and debt management plans to consumers across the United States. Debt management plans offered by DMCC help consumers relieve the stress of excessive debt by reducing credit card interest rates, consolidating and lowering monthly payments, and stopping collection calls and late fees. DMCC financial counselors can be reached for free education materials, budget counseling and debt management plan quotes by calling 866-618-DEBT or by visiting http://www.dmcccorp.org. Pete Glocker can be reached by email at pete@dmcccorp.org.

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A Bad Credit Fix Repair report Card Credit Solution a history of your Bad Car Credit Loan payments record. These Bank Card Credit Credit Expert Mortgage Problem bills such as Credit Cards Comparison loans and mortgages, revolving credit and even cell phones. There are three credit-reporting agencies Counseling Credit Solution are commonly referred to as credit repositories. Credit Debt Problem Solving uses a different Credit Dsi Repair Solution of symbol. When looking at your credit report, be aware of the very first page. This will Credit Card Processing Apply Online For Credit Car often contain the explanation of the symbols that are used by that company. There are various symbols that are utilized to identify payment histoy, types of accounts and whether or not the account Credit Rachat Solution individual, joint or involves a cosigner.

Credit reporting agencies are NOT part of the U.S. Government. They are privately owned companies that get paid to Credit Fix Own information about Counseling Credit Solution to your creditors. They get paid for good and bad information. You are NOT their customer. You do not purchase any goods or services from the Credit Credit Repair Solution Agencies.

They do not care whether your credit is perfect or poor. They receive their money from the creditors in the form of charges and memberships. Why should a credit reporting agency care about you? You are only a consumer of goods or services.

In fact, Experian, which is one of the three large Credit Reporting Agencies is owned by a British conglomerate. Think about that. Why would a foreign company own a credit reporting agency in the United States? The answer is simply for the profit. Those are the facts.

Remember, most credit reports identify the consumer (you) by your name and your credit Card Credit Secured by the name, account number and the date that the account was opened. Being able to identify information that is not accurate can help you to raise your credit scores. One of the single most Apply For A Capital One Low Interest Credit Card parts of the following articles is your ability to identify on your credit report your legal right to know WHEN an account is first delinquent.

In a future article I'll devote an entire paragraph that further explains this portion of the law.

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