By thinking about savings and gift preparations now, you can avoid a shocker of a credit card bill after the new year.

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At a New Year's gathering, they surprised him with a card and a list of contributions.

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It also is acceptable to send a card for a nondenominational holiday such as New Year's to remind recruiters of your interest, Ms. Shapiro says.

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The CFPB, a new agency that gained authority over credit-card issues last year, examined the problem over the summer but hadn't previously signaled changes.

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At five years past graduation, Sylvia has no credit card debt, but she has one year remaining on the loan of a new car she bought two years earlier.

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The January credit card statements come soon enough into the new year bringing with it more than a dash of dismay.

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As Barclaycard launched a new credit card offer, Mr Hoffman told Money Box the company had learned the lessons of the last year.

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At the end of the year, Bank of America sent some of its BlackBerry-using customers in New York a memory card with an NFC chip capable of making a wireless payment when waved in front of special terminals found in subway stations, drug stores and taxi cabs.

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