American consumers are encouraged ordspråk

American consumers are encouraged to spend. At the same time, they are being told to save money. This holiday season, a growing number are shopping for piggy banks and leaving their credit cards at home.

Betsy Taylor

And not only do people dip into what they save, but they often dip into credit cards to spend money they don't have.

Gerard Poore

Shopping is both a necessity and entertainment so while consumers may have to less money to spend, that doesn't necessarily affect their enjoyment of the shopping experience. What is fundamentally different is where consumers shop and their shopping mindset.

Candace Corlett

Visa, MasterCard and their member banks have agreed not to issue cards on smaller, competing credit-card networks such as Discover and American Express. These exclusionary rules deny consumers the ability to choose among a variety of credit-card products.

Janet Reno (1938-)

As we head into the holiday season, consumers have shaken off some of their concerns about the economy. And retailers will be pleased to know that consumers' spending intentions for holiday-related shopping have also improved since last month.

Richard Jenkins

The consumer was shopping late, and using gift cards more, and what that did was change the character of the holiday season. It means it came down to the holiday wire and beyond.

Mike Niemira

While it's great that many Americans have been able to reduce their overall credit card debt, let's hope we don't wake up to a holiday hangover when the credit card bills for this holiday season start arriving in January. If consumers used credit for their holiday purchases this year, they might erase any progress they have made toward paying down their debt.

Steve Rhode

Even though gas prices have been declining since their peak in early September, consumers are still feeling the emotional and financial pinch, and they clearly see shopping online as a great way to conserve cash they spend on loved ones this holiday season.

Bob Hayes

Consumers have been on a shopping frenzy for so long, they may be trying now to 'pace themselves' in preparation for the upcoming holiday shopping season.

William Ford

Not only are retailers doing more with less, like every other large corporation, and taking advantage of six fewer days in the shopping season, but they are actually hiring less this holiday shopping season, so there's fewer people on the floors actually helping consumers out.

Diane Swonk

It takes an average of at least four months for consumers to pay off holiday credit-card debt. Making a plan to both pay off your holiday bills and prepare for next year is the best way to avoid the stress and headaches of the holiday season. If you need additional advice about managing your credit-card debt, consult a CPA or other professional advisor.

Elaine Weiss

Though a large percentage of shopping has been completed, many sales have not been recorded due to heavy purchasing of gift cards, which are not recorded until merchandise is redeemed. Most consumers will have their shopping completed by Christmas Day, but will head out after Christmas to take advantage of discounted merchandise and spend gift cards.

Phil Rist

Historically, spending for back-to-school is a closely watched indicator of consumers' willingness and ability to spend, and has been a good indicator of what consumers will look to spend during the holiday season.

Marie Driscoll

Consumers have a lot going for them in this holiday shopping season.

Carl Gomez

Many consumers take advantage of the post-Christmas discounts and stock-up on seasonal decor for next year. Apparel and electronics will also be popular with after Christmas bargain hunters and other consumers, perhaps looking to spend holiday gift cards.

Garry Butcher

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