Further, 28% of credit card ... than 20% — near an all-time high. Some retail card APRs are even higher. Of those with debt, 21% expect it’ll take five months or longer to pay it off ...

Maybe they were a last-minute invite to Christmas dinner, or that gift you ordered your partner never made it — no matter the reason, you don't need to show up empty handed tomorrow.

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This is followed by putting on a fake smile (20%), changing the tone of their voice (16%), or talking too much about how great the gift looks ... been accompanied by a card or handwritten note ...