Budgets and holidays don’t always go hand in hand. Putting gifts on a credit card can be tempting, but interest charges might sour your spirit and draw you to credit card promotions with enticing offers such as “no interest if paid in full in 12 months” or “0% intro APR for 12 months.” They sound... More From NerdWallet No Coupon Needed: Cut Grocery Bills With Credit Cards Will Your Store Credit Card Survive ‘Retail Apocalypse’? What Doesn’t Affect Your Credit Score Melissa Lambarena is a writer at NerdWallet.