Christmas shopping is the biggest shopping time of the year. Do you honestly think people buy everything they get for Christmas with CASH? They use CREDIT. IF their credit is tapped, or they can't get anymore, they won't be shopping as much. How many people do you think have trouble keeping their credit cards caught up, let alone are capable of making regular payments on them with rising fuel costs, food prices, retail prices. It's not going to be a very white Christmas this year for a lot of kids.







