Could your holiday generosity wreck your credit score?

As tariffs alter holiday wish lists, financial anxiety is prompting many Americans to rethink their spending plans.

“As a parent, I’ve kind of tried to lessen what I’m spending,” shopper Samantha Hunter said.

According to NerdWallet’s holiday spending report , 31% of shoppers are entering this season with credit card debt from last year.

A recent poll from the American Institute of CPAs finds 47% of holiday shoppers and travelers expect to go into debt. While many set a holiday budget, about one in four admit they probably won’t stick to it.

With prices still high, shopping expert Trae Bodge urges preparation ahead of Black Friday.

“Look back at your credit card bill from, say, January. Did you bring debt into the new year? If so, make some tweaks,” Bodge said.

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