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☆ Holiday shoppers have the ‘best discounting season in years,’ expert says. These tips can help you save even more
▼ + stars: | 2023-11-22 | by ( Lorie Konish | ) www.cnbc.com time to read: +3 min

For consumers, there is no incentive to holding on to gift cards. If you don't want to use it for yourself, consider using it to buy a gift for someone else or gifting them the gift card. watch nowDO take advantage of credit card rewardsMany consumers also have credit card rewards available they have not yet redeemed. DON'T use credit cards without a plan to pay them offThe average credit card interest rate is now a record 20.72%, according to Bankrate. You may sign up for a new credit card that requires a minimum threshold for new purchases to unlock rewards.

Persons: Rossman, Paul Fabara, CNBC.com

☆ You may be at risk for fraud this holiday season, particularly if you shop at the last minute. Here's why
▼ + stars: | 2023-11-17 | by ( Lorie Konish | ) www.cnbc.com time to read: +2 min

But as consumers open their wallets, they may also be making themselves vulnerable to potential fraud, particularly when shopping at the last minute. "Procrastination is, quite frankly, one of the keys to success for crooks," said Paul Fabara, chief risk officer at Visa . But that may be just the first part of a "double whammy," according to Fabara. AI fraud risks pose a growing threatThis season, new risks tied to artificial intelligence should have consumers on high alert, Fabara said. Those are: Digital skimming, where credit or payment card information is stolen from online stores.

Persons: Mark Makela, Paul Fabara, Fabara, you've Organizations: Getty, National Retail Federation, Visa, Finance, UBS

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