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title: The Best Credit Card Tips for Black Friday | TIME
description: While most shoppers are planning to use credit cards for holiday spending, die-hard Black Friday shoppers might have a strategy in place when it comes to paying with a credit card.
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# The Best Credit Card Tips for Black Friday

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<!-- video src="https://cdn.jwplayer.com/manifests/Mv6QGki7.m3u8" -->
## Video: The Best Credit Card Tips for Black Friday

[Watch (HLS stream): The Best Credit Card Tips for Black Friday](https://cdn.jwplayer.com/manifests/Mv6QGki7.m3u8) (2:07)

![The Best Credit Card Tips for Black Friday](https://cdn.jwplayer.com/v2/media/Mv6QGki7/poster.jpg?width=720)

_Published 2018-11-14. While most shoppers are planning to use credit cards for holiday spending, die-hard Black Friday shoppers might have a strategy in place when it comes to paying with a credit card._


---

Jul 28, 2023 12:50 AM UTC

---

## More From This Series

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[Why You Should Have A Credit Card](/video/UOdRcxdm/)

### Why You Should Have A Credit Card

---


## Transcript

[ MUSIC ] But they are set to wait in line for hours or staging a silent boycott, there's no escaping Black Friday mayhem. And this year looks to be as busy as ever. With reports estimating that holiday shoppers plan to spend over $ 700 on average this year. With nearly three fourths of shoppers planning to use their favorite piece of plastic for purchases. While die hard Black Friday shoppers may have a strategy in place. Considering about 39. 4 million Americans are still paying off credit card balances from 2017's holiday season Newbies may need some credit card tips before they go shopping.

The most important thing you can do to make the most of this holiday shopping season is select a card that provides a steady return on your spending. And, store cards like Target and Kohl's often offer customers extra perks, watch out for their high APR interest rates. Store credit cards are only a good option if you're prepared to pay them off in full every month. If you're planning to buy a lot of department stores this holiday season, opt to pay with your Chase Freedom credit card. With it, you'll earn 5 % cash back on all department store purchases for the quarter. [ MUSIC ] And when it comes to your choice of plastic, the citi double cash card could be the gift that keeps on giving.

This card offers one percent cash back on purchases and you'll earn one percent back when you pay your bill. If youre thinking about getting a new credit card, consider doing it before Black Friday. So that you can earn any sign up bonuses offered through new purchases But be wary of heavy holiday spending. If your oustanding credit card balance exceeds 30 % of your spending limit, you could actually lower credit score. If you know you're going to be swiping extra this shopping season, think about making a payment after your spree to minimize the impact. Another great way to save is to sign up for automatic refunds.

Email tools like Paribus automatically scan your email to review your online purchases with participating retailers. The price of the item you bought drops, it'll help you get a refund. Just remember door buster discounts aren't exclusive till after Thanksgiving. So, spend wisely.

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