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Keep Safe This Holiday Season

Friday, December 18, 2009 The music, the lights, the shopping.... While it may be "the most wonderful time of the year," it's also a dangerous time for shoppers, because many criminals see the holidays as a great time to pick up some extra cash. Countless crime prevention lists are published this time of year, and I'm sure that every last one warns of the dangers of carrying cash. Yet many people drive directly to the nearest mall after cashing their paychecks or carry their entire holiday budget in their pockets. While we all know it's dangerous to take out a big wad of bills to make a purchase, how comfortable are we with the alternatives? Credit cards can be a scary option, even for those who have the available credit to use them. It's just too easy to charge more than you can afford. Many people are cutting up their credit cards or leaving them in a drawer this season, rather than having to face a leaner New Year. Debit cards offer their own worries to those who've been burned by outlandish overdraft fees, when careless errors have led to spiraling fees. That's why consumers are embracing network branded prepaid cards this season, as a safe, economical, convenient solution to their holiday payment needs. With prepaid cards, it's much easier to budget, since you can load a set amount on your card. You can't overspend! Prepaid cards offer all the safety, purchase power and convenience of debit cards – without running the risk of extreme overdraft fees. That's guaranteed to bring you a merrier Christmas and even happier New Year! Deneka Scott Senior Vice President

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