Best Ways to Pay for Holiday Purchases

(From the WSJ.com) You’ve figured out your holiday gift list. The next question: paper or plastic? Generally, plastic has the edge. While cash will get you discounts at some small retailers, using credit or debit cards makes it easier to return merchandise. Plus, some credit cards carry extra benefits for warranties and repairs.

Before you start charging ahead, here’s a look at some of the best ways to pay for different items on your list this winter:

Electronics

Plastic is especially useful here because pricey (and often prone to defects) consumer electronics have high rates of return. Using a card generates another paper trail in case you lose your receipt, or if a retailer is unwilling to take a return. Also, keep in mind:

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