How to Keep Your Credit Score Safe During Holiday Shopping Season
- Victoria McCabe
- Oct 6
- 2 min read
The holidays are right around the corner — a time of traditions, festive lights, and making memories with family and friends.
Let’s be real: it’s also the time of year when spending can quickly get out of hand. Between gifts, travel, parties, and those “just one more thing” shopping trips, your wallet (and your credit score) might feel the squeeze.
Why Holiday Spending Can Hurt Your Credit
Holiday spending doesn’t just drain your bank account, it can also affect your credit score.
Maxing out cards, opening new accounts, or carrying balances into the new year may cause your score to dip.
And since credit impacts everything from loan rates to apartment rentals, it’s worth protecting.
Smart Ways to Stay Merry Without Stressing Your Money
A few simple strategies can keep your finances in check while still enjoying the holidays:
Check your score first. Knowing where you stand gives you a clearer picture of how much flexibility you really have.
Set a holiday budget — and track it. Write down your expected expenses and stick to them. More planning equals less overspending.
Use cash or debit whenever possible. It’s easier to stay disciplined when you can physically see what’s left.
Get creative with gifts. Thoughtful doesn’t have to mean expensive — handmade gifts, shared experiences, or group efforts can mean more.
Monitor your credit regularly. Keep an eye out for unusual activity or sudden score changes that might indicate identity theft.
And if January rolls around and you’ve overspent? Don’t panic. A balance transfer card or a chat with a financial counselor can help you bounce back.
The Bottom Line
The holidays should leave you with happy memories, not financial regret. By spending intentionally and keeping an eye on your credit, you can enjoy the season and set yourself up for a stronger start to the new year.
If you’re ready to take control of your finances and protect your credit for the long run, we’re here to help.
👇🏾 Book your consultation today 👇🏾
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